Comprehensive Guide: IVF Costs in Singapore for LocalForeign Patients

Estimated Costs for IVF in Singapore

When considering the costs of undergoing an In Vitro Fertilization IVF procedure, patients have a choice between public hospitals that offer government subsidies and private medical institutions. While both options are avlable, prices can vary.

Public Hospitals vs Private Medical Institutions

In public hospitals, which are part of the healthcare system offering subsidised care for Singapore citizens, the average cost per IVF cycle is estimated to range from SGD 10,000 to SGD 17,000. This figure accounts for medical procedures and medication but excludes initial consultations and diagnostic tests that precede the actual IVF process.

Private medical centres typically offer IVF cycles at a slightly higher price point of SGD 10,000 to SGD 20,000 per cycle. The cost breakdown usually includes ultrasound monitoring, egg retrieval, embryo transfer, laboratory fees, nursing care, and access to facilities such as an operating room and recovery area.

Comparing Costs

It's challenging to provide a direct comparison between the costs offered by different public or private clinics due to differences in service packages and itemized costs. Factors influencing prices include specific medical requirements, volume of medication administered during the cycle, and the use of advanced techniques like Intracytoplasmic Sperm Injection ICSI.

Financial Assistance for Foreigners

For foreigners seeking IVF treatment, costs at public hospitals are estimated to be approximately 30 higher compared to Singaporeans or Permanent Residents.

Utilizing Medisave and Government Co-funding

Medisave is a government savings scheme that allows individuals to set aside funds specifically for healthcare expenses. It can cover the cost of IUI Intrauterine Unassisted Insemination and IVF treatments conducted within Singapore.

Medisave Eligibility

• Withdrawal Limits: The lifetime withdrawal limit per couple stands at SGD 15,000. Breakdown includes:

  • First cycle: up to SGD 6,000

  • Second cycle: up to SGD 5,000

  • Subsequent cycles third and beyond: up to SGD 4,000 per cycle

Government Co-funding for IVF Treatments

Government co-funding is avlable exclusively at three public hospitals in Singapore: National University Hospital NUH, Singapore General Hospital SGH, and KK Women's and Children’s Hospital KKH.

The co-funding benefits cover up to a maximum of 3 fresh and 3 frozen cycles, encompassing services such as intracytoplasmic sperm injection ICSI, in-vitro maturation, donor cycles, gamete intrafallopian transfer GIFT, and standard IVF procedures. However, it does not include initial consultations or diagnostic tests necessary before starting the IVF process.

Eligibility Criteria for Co-funding

• Singapore Citizen Requirement: One spouse must be a Singaporean at the beginning of the IVF cycle.

• Age Limit: Both spouses cannot exceed 40 years old during the start of the IVF cycle, except for the last two cycles out of six allowed.

• Clinical Assessment: Patients must undergo assessments by healthcare professionals to determine eligibility based on clinical criteria.

Insurance Coverage for IVF

While many standard insurance plans do not cover infertility treatments or maternity-related expenses in full, some provide supplementary coverage under hospitalization policies. These typically have a wting period and include specific caps:

Caps and Limits

• Coverage per Pregnancy: Usually capped at SGD 20,000 for natural delivery and SGD 30,000 for emergency cesarean sections.

• Infertility Treatment Limit: A fixed amount of SGD 4,000 is typically covered for each cycle of IVF or IUI.

Special Considerations

Some insurance plans that offer Expectant Mum coverage might include pregnancies resulting from assisted reproductive techniques like IVF or Intrauterine Insemination IUI. These plans generally do not cover the actual infertility treatments but provide benefits such as pregnancy complications, congenital illnesses in infants, and hospitalization for neonatal diseases.

Navigating the financial aspects of IVF treatment in Singapore involves understanding both public and private options avlable. This includes utilizing Medisave funds, accessing government co-funding schemes at select public hospitals, and exploring insurance coverage that might provide some relief for healthcare expenses. However, it's essential to consult with healthcare professionals or financial advisors for personalized guidance based on individual circumstances.

Note

This information is compiled by a group of IVF patients without medical or legal backgrounds. It serves as a guide but should not replace professional advice for making informed decisions about healthcare treatments and costs.

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