Wah, NICU bills can be really scary, my neighbour's baby was born at 30 weeks at KKH and she said even after subsidies, the total came to around $150K-$170K, so please make sure your insurance covers NICU. Someone in my mum WhatsApp group said KKH subsidised route helps a lot, but Mount Elizabeth Novena being private means no subsidy, so the bills can hit $250K before any claims. Make sure your baby has its own hospitalisation insurance from Day 1, that one non-negotiable.