Your bill sounds pretty normal to me, someone in my mum group mentioned paying around $13k before deductions for a vaginal birth with epidural at NUH as a private patient, so your $10k gross is actually on the lower end, which is reassuring. The epidural alone adds roughly $800 on top of everything, and single bedder plus a senior consultant fees do push the total up quite a bit. After Medisave and subsidies, landing at $4.8k out of pocket for a private single room natural birth with epidural sounds like a reasonable final figure, I'd say go ahead and pay with confidence, but no harm double-checking the itemised bill line by line just to make sure nothing looks off.