
Senior Consultant Obstetrician & Gynaecologist
Medical Director & Clinical Governance Officer (CGO) of Monash IVF Singapore
Medical Director of Health & Fertility Centre for Women
Adolescent Gynaecology Singapore
Puberty is the process of physical changes by which a child's body becomes an adult body capable of reproduction. It is initiated by hormone signals from the brain to the ovaries in females. Puberty is characterised by the development of breasts, followed by pubic hair and the onset of menstruation. The average age of puberty is 10–13 years. Puberty is considered ‘precocious’ or too early if it occurs before the age of 8 years.
The first menstrual bleeding or menarche typically occurs about two years after breast development. The average age of menarche in girls is 11–12 years. It is considered delayed if it does not occur by the age of 16 years. The time between menstrual periods (menses) is not always regular in the first few years after menarche. Ovulation, which is necessary for fertility, may not accompany the earliest menses. In postmenarchal girls, about 80% of the cycles were anovulatory in the first year.

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Medical Director
BMBCh (Oxford), FRCOG (UK), FAMS (Singapore)
Dr Kelly Loi is the Medical Director of Health & Fertility Centre for Women and Monash IVF Singapore. She is known for her work in fertility and women’s health, with a focus on providing personalised and evidence-based care for women at different stages of their reproductive journey.
Dr Loi’s clinical interests include fertility, gynaecology, obstetrics, as well as minimally invasive laparoscopic and hysteroscopic surgery. She provides adolescent gynaecology care, supporting girls through puberty, menstrual development and related concerns such as early or delayed puberty and irregular periods.
She has also completed clinical attachments at internationally recognised institutions including Johns Hopkins Hospital and Massachusetts General Hospital, Harvard Medical School, further deepening her experience in fertility care and reproductive medicine.
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