Hi chris,
If you need to work within budget, then I think better stick to KKH. The package that your friend recommends is usually a basic package... I think for IVF patients, doctors may be more careful so they may want to see us more, hence the cost maybe higher.
Once there are complications, you never know what the private hospital rates are. For private hospitals, their basic charges tend to be a lot cheaper. But any other costs, including any consults from other doctors or any other services etc. are additional costs (charged by time), but in the restructured hospitals, the additional costs are usually a lot cheaper. These additional costs are what might make the bulk of your medical bill at the end of the day, which is not comparable, as every individual has different needs. Hence you'll find that the tables of comparisons in the newspapers might reflect that TMC or mt alvernia are one of the cheaper ones.. but they don't inform you about the so called 'frills' that are added in, that are not included in the table. Hope you know what I mean.
Private hospitals are smart in that sense, as people tend to compare the basic charges... but they don't see the final bill at the end.
I did IUI with KK, and 2 more IUIs privately. Consultation fee is about the same for KKH or private doctor. But the puregon I paid, at KKH was exactly 50% cheaper than what the private clinic sold me! Exactly even down to the cents!(a good $300+ difference almost) Imagine! I even took the prescription to KKH for the pharmacist to prescribe, but was turned down as they accepted only KKH prescriptions. In terms of additional care, I also found that the private place I went to was the same, if not worse than at KK! I had to wait for a good 2 hrs sometimes! So much for being 'private'.
Also, KKH hospital has better care for the children or babies, especially if you think your pregnancy is at risk. If your baby is born in a private hospital, but need to be transferred to KKH, KKH may reject you, when the beds are full. One of my friend's baby took 1 month before they could be transferred! and the hospital they were at (a well-known and very popular maternity hospital) did not have all the equipment they required for their baby who required additional medical attention... My friend felt that their baby subsequently had further complications from the poorer care at the private hospital, because the nursing team and even doctors did not have the experience working with more complex cases. In the end, the baby's bill was so high! and when they transferred from the private hospital to KKH, they could not downgrade as well. :S
So, you need to consider all these other factors also before you decide.
I think going to a private hospital is good if you're confident that there won't be any problems... for me, if you want insurance, then KKH would be the best bet.