There are variations in beds, but that is one of them, yes. :) The most common thing that you seem to not have is a a box spring (that might be one word, I'm not sure) which sits between the frame and the mattress, but that depends on the kind of frame you have. (We don't use one either.)

Also, there are often two sheets, one fitted to the mattress and one flat right above it. As far as I know, the intended purpose of the flat sheet is to be something between the body and quilt which is easier to wash than the quilt--underwear for your bed, I guess--but I usually use it as something thinner to sleep under on warm nights than the quilt.

Also also, both the blanket and the quilt cover are optional. If you ask testing4l, it's the quilt and quilt cover that are optional, but he's wrong. ; )

So how different is all this from Singapore? I keep wondering that.