IVF cost in Singapore: public and private prices, subsidies and how to pay

One fresh cycle of in vitro fertilisation (IVF) at a public hospital in Singapore costs about S$12,000 to S$18,000 before government help, on the hospitals’ own estimates. IVF is the treatment where eggs are collected, fertilised with sperm in a laboratory, and an embryo is placed in the womb.

KK Women’s and Children’s Hospital (KKH) puts a fresh cycle for a Singapore Citizen at S$12,000 to S$16,000 (as stated in May 2024). Singapore General Hospital (SGH) prints S$15,000 to S$18,000 on its own page (as of October 2026).

For a couple who are both Singapore Citizens, the government co-funds 75% of a fresh cycle at a public centre, up to S$7,700. MediSave can then pay up to S$6,000 more on the first cycle. On KKH’s range, that leaves S$0 to S$2,300 to pay in cash.

Private clinics get no co-funding, though MediSave still works there. Here is the bill stage by stage, what each kind of couple gets, and the sums worked through.

What one IVF cycle costs at a public centre

Singapore has three public assisted reproduction (AR) centres, the hospital units licensed to carry out IVF: National University Hospital (NUH), SGH and KKH. Government IVF co-funding applies only at these three.

The KKIVF Centre’s director told The Straits Times that most Singaporean couples pay little of that themselves, because the bulk can be claimed from MediSave and government co-funding. KKH describes its KKIVF Centre, set up in 1993, as Singapore’s largest IVF centre.

What the bill pays for, stage by stage

A fresh cycle and a frozen cycle are priced differently because they hold different stages. The Ministry of Health (MOH) says a frozen cycle costs less because a fresh cycle “requires the whole ART process like egg stimulation, egg retrieval and fertilisation”. ART, or assisted reproduction technology, is MOH’s umbrella term for IVF and its variations.

Before the first cycle comes the work-up. MOH says the tests that show whether a couple meets the clinical criteria for treatment may take up to three months, and SGH says IVF counselling is mandatory under MOH guidelines. MOH adds that standard preparatory treatment done before IVF starts can be considered for co-funding.

Some couples also have their embryos tested. Preimplantation genetic testing (PGT-M and PGT-SR) checks embryos when a couple is at risk of passing on a serious condition caused by a single faulty gene or a rearranged chromosome. It has its own co-funding on MOH’s page, separate from the IVF caps below.

Both hospitals quote the cycle as one figure. The split by stage is the question to take to your first consult.

If you would rather see the treatment explained than read about it, SGH has a video on how IVF differs from natural conception.

Watch on YouTube: SGH IVF CARE 1 2 3, How IVF is different from natural conception, by Singapore General Hospital.

It comes from one of the three public centres and explains the treatment itself rather than a price, so it sits well beside the stage table.

How much the government co-funds, and who qualifies

The Assisted Reproduction Technology (ART) co-funding scheme pays part of each cycle at a public centre. The share depends on the couple’s citizenship. There is no form to fill in: MOH applies it automatically to couples who qualify.

ART co-funding covers up to three fresh and three frozen cycles. IUI, intra-uterine insemination, is an artificial insemination procedure rather than IVF, and it is co-funded for up to three cycles of its own.

The percentage matters less than it looks. On any fresh-cycle bill of S$10,400 or more, 75%, 55% or 35% of the bill is already above the cap, so every couple type gets its full cap. Both public estimates above start higher than that.

The cap does not shrink as you go. MOH told Parliament in 2019 that the amount of co-funding “does not decrease with each successive ART attempt”.

On MOH’s scheme page, you qualify for ART co-funding at a public centre when all four of these are true:

• You are below 40 at the start of the cycle, except for the last two of the six co-funded cycles (the age rule is below).
• You have not already had three co-funded fresh and three co-funded frozen cycles.
• A doctor has assessed that you meet the clinical requirements for ART.
• You or your spouse is a Singapore Citizen at the start of the cycle.

The three-and-three split can bend a little. MOH told Parliament in January 2021 that a couple who has used one fresh and three frozen cycles can ask MOH to co-fund a fourth frozen cycle out of an unused fresh one, capped at the frozen-cycle limit.

How much MediSave you can use for IVF

MediSave, your CPF healthcare savings account, can pay for assisted conception procedures (ACPs), MOH’s term for treatments that include IVF and IUI. MOH sets these limits (as of October 2026):

• S$6,000 for the first cycle
• S$5,000 for the second cycle
• S$4,000 for the third cycle and every cycle after it
• S$15,000 in total over a lifetime, per patient

The money can come from the patient’s own MediSave or the spouse’s. The patient is the person having the treatment, so the lifetime limit follows her, whichever account pays.

The three cycle limits add up to exactly S$15,000. A couple who use the full limit on cycles one, two and three have reached the lifetime cap, so a fourth cycle is paid without MediSave. MOH said in January 2021 that couples facing an unexpectedly large bill, for example from complications, may appeal to use MediSave beyond the limits, case by case.

Two more rules from MOH. MediSave can be used at both public and private AR centres. And if a cycle is not completed for non-medical reasons, MediSave cannot pay for it.

What a couple pays on a first fresh cycle

Put co-funding and MediSave together and most of a public-centre bill is covered. These sums use the hospitals’ own estimates for a couple who are both Singapore Citizens, with co-funding at its S$7,700 cap and MediSave up to its S$6,000 first-cycle limit.

MediSave can only pay what is in the account, so check your balance, and your spouse’s, before you count on the full S$6,000.

MOH has a figure of its own. It told Parliament in January 2021 that after co-funding and MediSave on the first cycle, 8 in 10 eligible citizen couples would pay nothing out of pocket, and 9 in 10 could expect to pay no more than S$500. That fits the low end of KKH’s range better than SGH’s range, and it is from 2021, so plan on your own centre’s written estimate.

The cash share grows with each cycle, because the co-funding cap stays the same while the MediSave limit drops. If every cycle billed KKH’s top figure of S$16,000, a citizen couple would pay S$2,300 in cash on the first, S$3,300 on the second and S$4,300 on the third.

A couple with one citizen and one PR, or one citizen and one foreigner, gets a lower cap. The most help on a first fresh cycle, co-funding plus MediSave, is S$13,700 for two citizens, S$11,700 for a citizen and a PR, and S$9,600 for a citizen and a foreigner.

SGH says different rates apply for foreigners and non-residents. If one of you is not a citizen, ask the centre for the estimate that applies to you rather than adjusting the figures above.

The age rule for IVF co-funding

Co-funding expects you to be below 40 at the start of each cycle. Since 1 January 2020, up to two of the six co-funded cycles can take place at 40 or over, as long as you attempted assisted reproduction or IUI before 40.

So a woman who began treatment before 40 can still use up to two co-funded cycles after turning 40. One who first tries at 40 or later gets no co-funding.

MOH ties the rule to clinical evidence. It told Parliament in January 2021 that the success rate for ART after 40 “decreases significantly”, and on 8 October 2026 that a woman’s age and medical history drive the success rate more than the number of cycles does.

Private clinics: MediSave, but no co-funding

Singapore had 13 licensed AR centres in May 2024, and 10 of them were private, The Straits Times reported. Co-funding applies only at the three public ones.

MediSave works at a private centre on the same limits, so on a private bill it is the only help from the schemes on this page. If a private centre quoted S$16,000, the same as KKH’s top figure, a citizen couple’s first cycle would leave S$10,000 to pay in cash, against S$2,300 at KKH.

Ask each private centre for a written quote split by stage, and set it beside the public estimates above.

What a frozen embryo transfer costs

A frozen embryo transfer (FET) uses an embryo frozen from an earlier fresh cycle, so it skips egg stimulation, egg retrieval and fertilisation. MOH says that is why a frozen cycle costs less than a fresh one.

Neither public estimate above gives a separate price for a frozen cycle, so ask your centre for it. For two citizens, co-funding pays 75% of a frozen cycle up to S$2,200, which is the full cap on any frozen-cycle bill of S$2,934 or more.

How to get the figure that applies to you

Every price here is an estimate or a cap. The number to plan on is the one your centre puts in writing, and four steps get it.

1. Check your eligibility on MOH’s Marriage and Parenthood Schemes page: citizenship, age at the start of the cycle, and how many co-funded cycles you have used.
2. At the first consult, ask the centre for a written estimate split by stage: the tests, the stimulation medicine, egg retrieval, the laboratory work, embryo transfer, and freezing and storing any spare embryos.
3. Ask what co-funding and MediSave will take off that estimate, and what is left for you to pay in cash.
4. Ask for the price of a frozen cycle too, because spare embryos from one fresh cycle can make the next attempt a cheaper frozen one.

If you are still trying on your own, our guide to getting pregnant covers the basics first. When a pregnancy comes, the next big bill is the birth, and we have priced the cost of giving birth in Singapore hospital by hospital. The Pregnancy hub picks up from there.

Co-funding and MediSave limits change, and MOH is reviewing them now, so open MOH’s page before you commit to a figure.

Wei Chun

Founder & Editor

A Singapore parent writing the guide he wished he'd had — practical, calm, and grounded in what actually works.

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