IVF Cost in Singapore: 2025 Guide
Public vs private, Medisave limits, government co-funding for Singapore citizens, and what each stage of IVF actually costs.
What IVF Costs in Singapore
A single IVF cycle in Singapore typically costs between $10,000 and $22,000 in total, depending on the hospital (public vs private), medication protocol, and any additional procedures. This does not include the initial fertility workup, which costs $500-2,000 separately.
| Provider Type | Total Per Cycle (est.) | Medisave Applicable? | Co-funding Available? |
|---|---|---|---|
| KKH (public, subsidised) | $8,000-$12,000 | Yes | Yes (SGC) |
| NUH (public, subsidised) | $8,000-$12,000 | Yes | Yes (SGC) |
| Private fertility clinics | $15,000-$22,000 | Yes | Limited eligibility |
Cost estimates as of 2025. Medication costs, which vary significantly by protocol, are included in these ranges. Always get an itemised quote from your clinic.
What Each Component Costs
| Component | Typical Cost | Notes |
|---|---|---|
| Initial fertility workup | $500-$2,000 | AMH, hormone panel, semen analysis, pelvic ultrasound |
| Stimulation medications | $2,000-$5,000 | FSH injections; cost varies by protocol and response |
| Monitoring scans and bloods | $500-$1,200 | 4-6 scans and hormone checks during stimulation |
| Egg retrieval (OPU) | $2,500-$5,000 | Includes anaesthesia and theatre fees |
| Fertilisation (IVF/ICSI) | $1,500-$3,500 | ICSI (sperm injection) costs more than standard IVF |
| Embryo culture (5 days) | $800-$1,500 | Blastocyst culture to day 5 |
| Embryo transfer (fresh) | $500-$1,500 | Per transfer |
| Embryo storage (annual) | $500-$1,000 | For frozen embryos not transferred in first cycle |
| PGT-A (genetic testing) | $2,500-$5,000 | Optional; screens embryos for chromosomal abnormalities |
Medisave and Government Co-Funding
Singapore provides significant financial assistance for assisted reproduction treatments (ARTs) including IVF, IUI, and ICSI. Understanding what you can claim before starting treatment is important.
Medisave withdrawal limits (per ART cycle)
- - Cycles 1 and 2: Up to $7,700 per cycle
- - Cycles 3 and beyond: Up to $5,000 per cycle
- - Both spouses' Medisave accounts can be used
- - Applicable at accredited Singapore fertility clinics (public and private)
ART Co-Funding Scheme (Singapore Citizens only)
- - Available to legally married Singapore citizen couples where the woman is under 40 at the time of treatment
- - Cycles 1-3: Government co-funds 75% of costs up to $6,300 per cycle (i.e. up to $4,725 government-paid)
- - Cycles 4-6: Government co-funds 50% of costs up to $6,300 per cycle
- - Applies at accredited public and private fertility centres
- - Medisave can be used on top of co-funding
For Singapore citizens undergoing their first IVF cycle at KKH or NUH, the effective out-of-pocket cost after co-funding and Medisave can be as low as $2,000-$5,000 per cycle. PRs and foreigners do not qualify for co-funding but can still use Medisave.
Check current co-funding amounts at MOH.gov.sg or ask your fertility clinic's finance coordinator for an itemised estimate before starting treatment.
IUI vs IVF: Which Comes First?
Many doctors recommend starting with IUI (intrauterine insemination) before moving to IVF, as it is less invasive and significantly cheaper. However, IUI is not appropriate for all fertility issues.
| Treatment | Cost per Cycle | Success Rate per Cycle | Best For |
|---|---|---|---|
| Natural IUI | $600-$1,200 | 8-12% | Unexplained infertility, cervical factor |
| Stimulated IUI | $1,500-$3,000 | 12-20% | Mild PCOS, ovulatory dysfunction |
| IVF | $10,000-$22,000 | 35-50% (under 35) | Tubal factor, severe male factor, failed IUI, age over 38 |
| IVF + ICSI | $12,000-$22,000 | 35-50% (under 35) | Severe male factor infertility |