Hi Babydust,
if you get a referral from polyclinic, you will definately pay a much better rate but you may not get to see Dr Loh who is a senior consultant. KK will assign any available gynae to you, you can't choose.
Yes, you will go to Clinic D if you are subsidised and so, you can imagine the waiting time. Yes, you can opt to go to TPS after that but then you will be upgraded as private patient.
Remember, as subsidised patient, you will not get to choose the gynae you want but of course, the charges you are paying is quite attractive.
However, if you are looking into fertility treatment, then I suggest that you do it fast and go straight to the point as time is crucial to the success of the treatment, especially if you are already in your 30s. Don't waste time going round the circle. This is just my suggestion. Hope it helps.