IVF Cost Singapore 2026: Subsidies, MediSave & Co-Funding

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Quick answer

A fresh IVF cycle at a Singapore public Assisted Reproduction (AR) centre costs approximately $13,000 before subsidies; after MOH co-funding (capped at $7,700 per fresh cycle) and MediSave withdrawals (up to $6,000 for the first cycle), eligible couples can reduce out-of-pocket costs to a few thousand dollars or less. Private fertility clinics charge $10,000 to $20,000 or more per cycle and receive no MOH co-funding, making total costs substantially higher.

The numbers at a glance

*MediSave withdrawals are cumulative across all cycles (own + spouse accounts); limits decrease from the second cycle onwards. Medication costs ($1,500–$3,000 per fresh cycle) are often billed separately and may not be covered by the figures above.

MOH IVF co-funding: how it works

The MOH Assisted Conception Procedure (ACP) co-funding scheme reduces IVF and ICSI costs at Singapore's three public AR centres: KKH Women's and Children's Hospital, National University Hospital, and Singapore General Hospital. Eligible couples receive co-funding of up to 75% of the procedure cost, subject to caps of $7,700 per fresh IVF/ICSI cycle and $2,200 per frozen embryo transfer cycle.

The scheme covers up to three fresh cycles and three frozen cycles, for a maximum of six co-funded cycles per couple. Co-funding is applied at the point of treatment — you pay the subsidised amount directly.

Eligibility conditions:

• At least one spouse must be a Singapore Citizen (the wife must be a Singapore Citizen to access the highest co-funding tier)
• The couple must be legally married
• Treatment should ideally begin before the wife turns 40
• Up to two of the six co-funded cycles may be used when the wife is aged 40 or above, provided ART treatment started before age 40

Co-funding applies only at public AR centres. Private fertility clinics, even those accredited by MOH, do not qualify for this scheme. Couples who choose a private clinic for convenience or other reasons must fund the full cost themselves, with MediSave as the only available subsidy.

IUI (intrauterine insemination) is separately co-funded at up to $1,000 per cycle, for up to three cycles, also at public AR centres.

MediSave: how much you can use

MediSave can be withdrawn for approved Assisted Conception Procedures — IVF, ICSI, and IUI — at both public and MOH-approved private AR centres. The limits are set per patient and decrease with each successive cycle:

Both your own MediSave account and your spouse's MediSave account can be used, effectively doubling the funds available for a single cycle. For a first cycle at a public AR centre, a couple could in theory draw on up to $12,000 in combined MediSave across both accounts, though the procedure cost net of co-funding is usually lower than that.

For IUI, MediSave is limited to $1,000 per cycle for up to three cycles.

MediSave covers the procedure fee charged by the hospital or clinic. It does not cover medications billed separately, nor does it cover consultation fees or diagnostic tests unless those services are specifically approved. Always confirm with the hospital's billing department exactly which line items your MediSave can offset.

Worked example: one fresh IVF cycle at KKH

Here is how the numbers stack for a Singaporean couple doing their first fresh IVF cycle at KKH, assuming full eligibility for MOH co-funding:

Step 1 — Gross procedure cost: $13,000

Step 2 — Deduct MOH co-funding: $13,000 − $7,700 = $5,300 remaining

Step 3 — Apply MediSave (first cycle limit $6,000): $5,300 − $5,300 = $0 cash out-of-pocket for the procedure itself (MediSave covers the full remaining balance; $700 remains in the MediSave account)

Step 4 — Medications: Gonadotropins, progesterone supplements, and the trigger shot are typically billed separately. Expect an additional $1,500 to $3,000, which is usually not co-funded and may have limited MediSave coverage depending on how the clinic bills them.

Reality check: The $0 cash figure assumes the procedure cost is exactly $13,000 and co-funding lands at the full $7,700. Actual costs vary by patient protocol, the number of follicles stimulated, any additional procedures (e.g., ICSI, embryo freezing, pre-implantation genetic testing), and hospital billing practices. Embryo freezing and storage fees for a frozen transfer cycle are charged separately. The worked example is a guide, not a guarantee.

For couples on their second cycle, MediSave drops to $5,000, meaning the out-of-pocket share rises by roughly $1,000 if gross costs stay the same.

Private fertility clinics: when they make sense

Private fertility clinics in Singapore — including centres at Mount Elizabeth, Gleneagles, and Thomson Medical — charge between $10,000 and $20,000 or more per fresh IVF cycle, depending on the clinic, the treatment protocol, and any add-on procedures. Frozen cycles are priced separately.

The key trade-off is straightforward: no MOH co-funding at private clinics. MediSave (up to $6,000 for a first cycle) remains available at MOH-approved private AR centres, but it is the only subsidy. After MediSave, a couple at a private clinic could still face $4,000 to $16,000 or more in cash costs per fresh cycle.

So when does a private clinic make sense?

• Shorter waiting times. Public AR centres, particularly KKH, can have waiting lists of several months. For couples where age is a factor, time matters.
• Specialist preference. Some couples prefer a specific clinician or a smaller practice environment.
• Post co-funding cycles. Once the six MOH co-funded cycles are exhausted, a couple must self-fund regardless of where they go. The cost difference between public (unsubsidised) and private narrows at that point.
• Specific protocols. Some private clinics offer treatments or add-ons not available in the public system.

The financial case for starting at a public AR centre is strong for most couples. If you are eligible for co-funding, exhaust those cycles before considering private options.

When to use the MediSave Withdrawal Calculator

The figures in this article are based on published MOH caps and CPF Board limits. Your actual MediSave balance, the number of cycles already claimed, and whether you want to draw on your spouse's account will change the calculation significantly.

The MediSave Withdrawal Calculator lets you enter your specific situation — which cycle number you are on, your current MediSave balance, and whether you are using a joint withdrawal — and see exactly how much you can draw and what cash shortfall remains.

Use it before your first consultation so you walk in knowing your subsidy ceiling, not after you receive the bill.

Pitfalls and edge cases

Medications are usually not in the headline price. The $13,000 public AR centre estimate covers the procedure. Stimulation drugs — gonadotropins in particular — can add $1,500 to $3,000 per fresh cycle. Ask for a full itemised estimate before treatment starts.

ICSI and genetic testing are add-ons. If your doctor recommends ICSI (intracytoplasmic sperm injection) rather than standard IVF, or pre-implantation genetic testing (PGT), these are billed separately and increase total costs.

Fresh and frozen cycles are separate billings. If eggs are collected, fertilised, and some embryos frozen for a future frozen embryo transfer (FET), the FET is a separate cycle with its own co-funding claim ($2,200 cap) and its own MediSave withdrawal.

Co-funding ends after six cycles. Once three fresh and three frozen co-funded cycles are used, there is no further government subsidy — not at public, not at private. Subsequent cycles are fully self-funded.

The age 40 nuance. If the wife turns 40 during treatment that began before age 40, the couple may use up to two of their remaining co-funded cycles while she is 40 or above. If treatment has not started before 40, no MOH co-funding applies at all. This makes early engagement with a public AR centre important for couples approaching that threshold.

Private clinics must be MOH-approved for MediSave. Not all private fertility clinics are accredited AR centres. Confirm MOH-approved status before assuming MediSave can be used.

MediSave does not cover all line items. Even at an approved centre, non-procedure charges — such as certain medications, hospital stay fees, or diagnostic tests — may not be claimable from MediSave. Confirm with the billing department.

Bottom line

For most eligible couples in Singapore, the first IVF cycle at a public AR centre is the most cost-effective route: co-funding of up to $7,700 plus MediSave of up to $6,000 can reduce out-of-pocket cash costs close to zero for the procedure itself, with medications adding $1,500 to $3,000 on top. Private clinics offer flexibility and shorter waits but at significantly higher cost, with no MOH co-funding available. The six-cycle co-funding limit means planning which cycles to use and when — especially relative to the wife's age — can make a material financial difference.

Before you attend your first fertility consultation, use the MediSave Withdrawal Calculator to confirm exactly how much you can draw from your own and your spouse's MediSave, so you enter the conversation with a clear picture of your subsidy ceiling and likely out-of-pocket exposure.

FAQ

How much does IVF cost in Singapore in 2026?

A fresh IVF cycle at a public Assisted Reproduction (AR) centre — KKH, NUH, or SGH — costs approximately $13,000 before subsidies, and a frozen embryo transfer cycle costs approximately $3,400. After MOH co-funding (up to $7,700 per fresh cycle) and MediSave withdrawals (up to $6,000 for the first cycle), out-of-pocket costs can fall to a few thousand dollars or less for eligible couples. Medications such as gonadotropins are typically billed separately and can add $1,500 to $3,000 per fresh cycle. Private fertility clinics charge $10,000 to $20,000 or more per cycle and do not receive MOH co-funding, though MediSave can still be applied at MOH-approved private AR centres.

What is the MOH IVF co-funding scheme and who qualifies?

The MOH Assisted Conception Procedure (ACP) co-funding scheme subsidises up to 75% of IVF and ICSI costs at the three public AR centres in Singapore: KKH, NUH, and SGH. The co-funding cap is $7,700 per fresh cycle and $2,200 per frozen cycle, covering up to three fresh and three frozen cycles per couple. To qualify, at least one spouse must be a Singapore Citizen (the wife must be a Singapore Citizen for the highest co-funding tier), the couple must be legally married, and treatment should ideally begin before the wife turns 40. Up to two of the six co-funded cycles may be used when the wife is aged 40 or above, provided ART treatment started before age 40. The scheme does not apply to private fertility clinics.

How much MediSave can I use for IVF in Singapore?

For IVF and ICSI at MOH-approved AR centres (public or private), MediSave withdrawal limits are $6,000 for the first cycle, $5,000 for the second cycle, and $4,000 for the third and subsequent cycles, subject to a lifetime cap of $15,000 per patient. Both your own MediSave account and your spouse's MediSave account can be used, effectively doubling the available funds for a given cycle. For IUI (intrauterine insemination), the limit is $1,000 per cycle for up to three cycles. MediSave can be used to pay for the approved AR procedure itself; medications and some other charges may not be claimable and should be confirmed with the hospital's billing department.

Is IVF cheaper at a public hospital or a private clinic in Singapore?

Public AR centres are substantially cheaper for eligible couples because MOH co-funding reduces the gross cost of a fresh cycle from roughly $13,000 to approximately $5,300 before MediSave. After MediSave (up to $6,000 for the first cycle), out-of-pocket cash costs can approach zero for the procedure itself. Private clinics charge $10,000 to $20,000 or more per cycle and do not qualify for MOH co-funding, so after MediSave a couple may still face $4,000 to $16,000 or more in cash costs per cycle. The case for a private clinic rests on shorter waiting times, clinical preference, or circumstances where co-funding is no longer available — not on cost. Couples who have exhausted their six co-funded public cycles may weigh private clinics for subsequent attempts.

How many IVF cycles does the government co-fund in Singapore?

The MOH co-funds up to six cycles in total per couple: three fresh IVF or ICSI cycles and three frozen embryo transfer cycles, at public AR centres only. The co-funding rate is up to 75%, capped at $7,700 per fresh cycle and $2,200 per frozen cycle. Once all six co-funded cycles are used, further treatment must be self-funded — either at a public centre at full rates, or at a private clinic. Couples who have not used all six cycles but the wife turns 40 during treatment may use up to two of the remaining cycles while she is 40 or above, provided ART treatment had already started before age 40. No co-funding is available if treatment begins at age 40 or later.