Being a first-time mum is already so overwhelming, and having to figure out all the payment stuff on top of that is a lot to handle, so you are definitely not alone in feeling confused about this. I don't have the exact downpayment figures for NUH A1 off the top of my head since every hospital and package can differ, so I would really recommend calling NUH's billing department directly as they are usually quite helpful and can give you the accurate numbers based on your specific situation. You can also ask them about Medisave usage and any insurance offsets at the same time so you get the full picture before your delivery date.