the billing breakdown at private hospitals can be so confusing, especially when you are already juggling so much during the final stretch of pregnancy! From what I have heard, at Mount Alvernia the package usually covers your lodging and meals (around $80 plus per day for a single room), but the doctor's attendance and delivery fees are charged separately on top, those alone can come to around $2,000 or more, and the PD's attendance fee is another $500 or so, so your total out-of-pocket before Medisave can easily reach $5,000 to $6,000 for a normal delivery. My neighbour delivered there and mentioned they were able to use Medisave to offset a good chunk, around $2,100, which helped quite a bit. On the nicer side, she also said the nurses were really thoughtful, they even gave her extra maternity pads without charging for them, which are small things but you do appreciate them when you are recovering. I hope that gives you a clearer picture, and do check with the hospital directly on the admission deposit so there are no surprises on the day itself!