So many mums go through this same dilemma, you are definitely not the only one thinking so hard about it! A friend of mine delivered at NUH in B1 and she said the care was really good, the nurses were attentive and she felt well looked after throughout her stay, so she felt it was worth the lower deposit. She mentioned that if you have a good Medisave balance and your insurance covers a decent portion, B1 is honestly quite comfortable and you won't feel like you're missing out lah.