Hi Vince,
Will try to see if I can help...
KKH 1 bedder vs KKH premium
My understanding is that as kkh 'premium' patients, u can choose to see your gynae at The Private Suite which is much nicer than their usual clinics (clinic A,B and C) and u will have priority in booking 1 bedder or A1 beds. Of coz u will be paying more for better facilities and services.
Private vs subsidized patient
To be a subsidized patient, u will need a referral letter from a polyclinic NOT GP. However, u cannot choose your gynae and the waiting time is long.
If u want to choose your own gynae and have the same person looking after ur wife's pregnancy, then go as a private or premium patient. No need to go polyclinic first. You can make direct appointment to kkh without GP referral.
Having said all these, u can still choose to go private or subsidized for the actual delivery. If from subsidized to private, u need at least 2-3 visits to your chosen gynae b4 due date so that he or she know your wife's history. If from private to subsidized, u must be prepared that it could be a junior doctor doing the delivery and not the gynae that u have been seeing.
Just to share, I was a TPS 'premium' patient all the way until my delivery when I decided to downgrade to subsidized class as I was about to deliver a pre-term baby. The cost savings was tremendous.
Make a wise decision. Congrats and best wishes.