Nuh gynae route

I'd recommend calling NUH's maternity desk directly to clarify this, because the ward classification and subsidy eligibility can be a bit tricky depending on how your gynae is registered with them. From what I understand, choosing your own gynae in the last trimester might put you in a different category, but whether you're still eligible for B1 subsidies or if Medisave can be used depends on your gynae's status (whether they're a private practitioner using NUH facilities or part of the public team). Better to get the exact breakdown of charges upfront so there's no surprise at the end.