How much does IVF really cost after subsidies in Singapore?

For a Singaporean couple at a public AR centre, government co-funding (up to 75%, capped at S$7,700 for a fresh cycle) plus MediSave (up to S$6,000 on the first cycle) can cut the net cash cost of a roughly S$10,000-S$18,000 fresh cycle to about S$2,000-S$5,000. Private clinics cost more out of pocket because they qualify for MediSave but not co-funding.

Can I use MediSave for IVF at a private clinic?

Yes. MediSave can be used for ART at both public and private clinics by Singapore Citizens and Permanent Residents, within the limits of S$6,000 (first cycle), S$5,000 (second), S$4,000 (third onwards) and a S$15,000 lifetime cap. Government co-funding, however, is only available at the three public AR centres.

How many IVF cycles does the government co-fund?

Up to 3 fresh and 3 frozen cycles (six in total) at public AR centres for eligible couples. Women aged 40 and above can still receive co-funding for up to 2 of those 6 cycles if they began ART or IUI before turning 40.

Is there an age limit for IVF in Singapore?

Treatment itself is available to married couples and is regulated by MOH, with cycle limits that are more restrictive for women aged 40 and above, who must also be assessed as medically fit to carry a pregnancy. The under-40 rule specifically governs full government co-funding eligibility, not whether treatment is permitted.

What does the base IVF fee usually not include?

Quoted base fees often exclude add-ons such as ICSI, blastocyst culture, embryo freezing and annual storage, frozen embryo transfers, PGT-A genetic testing, and medication, which varies widely by protocol. Always request an itemised quote so you can compare clinics and see which items are subsidy-eligible.

IVF Cost in Singapore: Fees, Government Co-Funding & MediSave

Written & reviewed by the BestDoctors.sg editorial team · Last updated 2 Jul 2026 · General information, not medical advice

Quick answer. A fresh IVF (in-vitro fertilisation) cycle in Singapore typically costs around S$10,000-S$18,000 at a public assisted-reproduction centre (KKH, NUH or SGH) and roughly S$13,000-S$25,000 at a private clinic before subsidies, with add-ons like ICSI, embryo freezing, frozen embryo transfer and PGT-A pushing the total higher. At public centres, eligible couples can receive up to 75% government co-funding (capped at S$7,700 per fresh cycle and S$2,200 per frozen cycle) for up to 3 fresh and 3 frozen cycles, and both citizens and PRs can additionally use MediSave (up to S$6,000 for the first cycle, S$5,000 for the second, S$4,000 thereafter, lifetime cap S$15,000). After co-funding and MediSave, net out-of-pocket for a Singaporean-couple fresh cycle at a public centre often falls to roughly S$2,000-S$5,000, while private clinics qualify for MediSave but not co-funding.

IVF is one of the most common fertility treatments in Singapore, and its sticker price can look daunting at S$10,000 or more per cycle. But the figure that actually matters is your net out-of-pocket cost, because Singapore layers two major forms of support on top of the gross fee: government co-funding for treatment at public hospitals, and MediSave withdrawals available to both citizens and permanent residents. This guide breaks down the typical 2026 market ranges, explains exactly how the financing framework works, and shows what add-ons and conditions affect the final bill.

At a glance

Indicative IVF costs and financing in Singapore (2026, SGD) – typical market ranges; confirm exact fees with the clinic
Item / pathway	Typical cost	Notes (co-funding / MediSave)
Fresh cycle – public AR centre (KKH/NUH/SGH)	S$10,000-S$18,000	Co-funding up to 75% / S$7,700 (citizen couple); MediSave applies
Fresh cycle – private clinic	S$13,000-S$25,000	No government co-funding; MediSave applies (citizens & PRs)
Frozen embryo transfer (FET) cycle	S$2,000-S$5,000	Co-funding up to 75% / S$2,200 per frozen cycle at public centre
ICSI add-on	From a few hundred up to ~S$5,000	Counts toward the cycle cost the subsidy is calculated on
Embryo freezing + first-year storage	From ~S$800 (then annual storage fee)	Storage fees usually paid in cash
PGT-A genetic testing	Several thousand dollars (often S$3,000-S$8,000)	Optional add-on; not separately subsidised
MediSave withdrawal (per patient)	Up to S$6,000 / S$5,000 / S$4,000 by cycle	Lifetime cap S$15,000; public or private; citizens & PRs

Gross IVF cost per cycle: public vs private

The headline cost of a single fresh IVF cycle in Singapore in 2026 generally falls within these ranges before any co-funding or MediSave:

Public assisted-reproduction centres (KK Women’s and Children’s Hospital, National University Hospital, Singapore General Hospital): roughly S$10,000-S$18,000 per fresh cycle.
Private clinics and hospitals: roughly S$13,000-S$25,000 per fresh cycle.

A “fresh cycle” covers ovarian stimulation, egg retrieval, fertilisation and a fresh embryo transfer. A frozen embryo transfer (FET) cycle using already-stored embryos is much cheaper, typically S$2,000-S$5,000. The wide bands reflect differences in clinic, doctor’s fees, the medication protocol you need, and which add-on procedures are bundled in. Quotes from a clinic should always be itemised so you can see what is and is not included.

Government co-funding for ART at public hospitals

This is the single biggest cost reducer, but it applies only at the three public assisted-reproduction (AR) centres – KKH, NUH and SGH. Private treatment does not qualify for co-funding (though MediSave still applies). For eligible couples the Government co-funds up to 75% of the treatment cost, subject to per-cycle caps that depend on citizenship:

Couple type	Fresh cycle	Frozen cycle
Singapore Citizen couple	75%, up to S$7,700	75%, up to S$2,200
Citizen + Permanent Resident	55%, up to S$5,700	55%, up to S$1,600
Citizen + Foreigner	35%, up to S$3,600	35%, up to S$1,000

Number of cycles: co-funding covers up to 3 fresh and 3 frozen cycles (six in total). Conditions: at least one spouse must be a Singapore Citizen, the couple must be assessed by a doctor as clinically suitable for ART, and the woman must generally be under 40 at the start of the cycle. Couples where the woman is 40 or older can still claim co-funding for up to 2 of the 6 cycles, provided she had started ART or IUI before turning 40.

Using MediSave for IVF

MediSave can be used to pay for ART by both Singapore Citizens and Permanent Residents, and unlike co-funding it can be applied at public or private clinics. You may draw from your own MediSave account, your spouse’s, or both. The withdrawal limits are tiered by cycle:

First cycle: up to S$6,000
Second cycle: up to S$5,000
Third and subsequent cycles: up to S$4,000 per cycle
Lifetime cap: S$15,000 per patient

Because MediSave is your own CPF savings rather than a cash subsidy, it reduces the cash you pay upfront but is not “free money.” Stacked with co-funding at a public centre, however, it can bring the net cash cost of a fresh cycle for a Singaporean couple down to roughly S$2,000-S$5,000. From June 2026, MediSave and MediShield Life can also be used for medically necessary fertility preservation (e.g. egg or embryo freezing before chemotherapy or radiotherapy); this does not cover elective egg freezing.

Add-ons that change the price

The base cycle fee is rarely the whole story. Common add-ons, each adding to the gross cost (and so to what co-funding/MediSave is calculated against), include:

ICSI (intracytoplasmic sperm injection, where a single sperm is injected into each egg): commonly several hundred to a few thousand dollars depending on clinic.
Blastocyst culture (growing embryos to day 5): around S$800 and up.
Embryo freezing (vitrification, often including the first year of storage): from about S$800, with annual storage fees thereafter (commonly a few hundred dollars per year).
Frozen embryo transfer (FET): roughly S$2,000-S$5,000 per transfer (and itself co-fundable as a “frozen cycle”).
PGT-A (pre-implantation genetic testing for chromosomal abnormalities): one of the most expensive add-ons, often several thousand dollars.
Medication: highly variable by protocol and response – typically S$500 up to several thousand dollars per cycle.

Because needs differ from patient to patient, always ask for a written, itemised quote and clarify which items are subsidy-eligible.

Eligibility and regulation in Singapore

IVF is legal in Singapore but tightly regulated under the Ministry of Health’s licensing framework. In practice this means:

ART is provided to legally married couples; clinics require a marriage certificate.
There are limits on the number of treatment cycles a woman may undergo (for example, more cycles are permitted for women under 40 than for those aged 40 and above), and older women must be assessed as medically fit to carry a pregnancy.
Elective egg freezing is permitted for women aged 21 to 37, but the eggs can only later be used for procreation within a legal marriage.

These rules are separate from, but interact with, the funding conditions – note that the under-40 condition for co-funding is about the subsidy, not whether treatment itself is allowed. Confirm current eligibility with the centre, MOH or Made For Families before planning.

Related guides

Best Fertility Clinics in Singapore — our editorial shortlist
fertility clinics directory
IVF success rates in Singapore
Egg freezing in Singapore: law & cost
When to see a fertility specialist

Sources

Last updated 21 June 2026. Prices are typical market ranges gathered from the cited sources and vary by clinic, doctor and individual case — they are not quotes. This guide is general information, not medical advice; always consult a qualified, MOH-accredited doctor before any treatment.

Related conditions & guides

Related conditions and guides you may find useful:

Find a specialist

Prefer a named doctor? See our independent, sub-specialty-grouped directory of fertility & reproductive medicine specialists in Singapore.

Part of our Fertility & IVF guides · Browse all health topics