createjoy, I find that explanation very strange leh. There are MANY doctors whose clinics aren't even close to any of the hospitals (e.g. clinic in SengKang), but they can always rush to the hospital in time to deliver for their patients, so I don't quite understand what your doc is trying to say.
Hehe, I think your doc and my doc quite different. My doc is also fertility doc (in fact, I think 70-80% of his patients may be fertility related cases), so he's very 'gan zheong' at the 1st tri, cos his main focus is to prevent miscarriage. But once baby is stable, he will try to help his patients save $$, cos they would already have spent a lot of $$ on the fertility treatment part of things.
My doc's clinics are at Paragon and Tiong Bahru, but he's never mentioned any issues about rushing off to MtA or TMC. He delivers at MtE too, which is just cross rd from Paragon, but he pointed out right from the start that it's more costly.
Have u surveyed around, and see how many ppl actually end up with midwife delivering, cos doctor can't make it there in time? then maybe make your decision from there lor. I haven't heard of many such cases actually, so I can't really comment. Does MtE offer 4-bedder?