if youre short on cash and you need it urgently, then i suggest it would be better to get a personal loan but ofc, this depends on your financial health - whether you can also afford to take on debt. I think there are websites that has promotions for personal loans you can take. the gifts offered looks very good but i havent tried but the website looks legit with customer contact us page. hope this helps! https://www.moneysmart.sg/personal-loan
Pardon me if it is incorrect, if I correctly remember, you can use Medisave, Medishield then Insurance to cover for all cost. Unless, this is otherwise with the changes time to time then cash is involve. However, if you are unsure, definitely better to direct enquire when you do registration.
Nicholas Chew