First time mummy here!

Hi! I haven't been under Dr Jessie Phoon myself, but a few mums I know have gone through natural conception with gynae specialists and found that delivery fees vary quite a bit depending on whether you're doing a normal delivery or if there are complications, so it's really best to call the clinic directly and ask for a breakdown - they're usually pretty helpful about this. Mt Alvernia and TMC both have good facilities, so you're in safe hands either way. Congrats on your pregnancy!