Eh my neighbour who is also on S-pass said the same thing, no subsidy at KKH so the gap between KKH and private clinic is actually not that big lah. Someone in my mum WhatsApp group mentioned for roughly same price or just slightly more, private gives you much better service and more personal attention from your gynae. Since you're not delivering in Singapore anyway, just do your check-ups somewhere comfortable, no point paying KKH rates without the subsidy benefit!