Hello! congrats on the pregnancy! first, are u intending to go via govt hospital route? if so, yes u need a polyclinic referral letter then they will arrange ur kkh appointment like within 2 weeks from the polyclinic visit.
this route is for the subsidized route! means it's heavily subsidized but u cannot choose ur gynae and every visit may be different doctor.
if you wanna choose ur own gynae, then referral won't be necessary for your case. be it kkh, sgh or private, they will fall under not subsidized route. and the cost.. might be quite similar. of cuz private still much higher. but u have a consistent gynae to follow thru with you till ur edd. :)
Jess Lee