In-Vitro Fertilisation (IVF) in Singapore: Process & Costs

Last updated on January 11, 2024

Cartoon of doctor and couple

If you are a couple trying to conceive a child but have been unsuccessful, you may have considered undergoing Assisted Reproduction Technology (ART) procedures, such as In-Vitro Fertilisation (IVF) treatments.

This article explains more about IVF, including the requirements to qualify for IVF treatments, the procedure and costs involved. It will also explain alternative treatments to IVF that are currently available in Singapore.

What is In-Vitro Fertilisation (IVF)?

IVF is an ART treatment to help couples who experience difficulties conceiving a child through natural means.

In IVF, a couple’s egg and sperm are fused together in a laboratory. The highest-quality developed embryos are then selected and transferred into the mother’s uterus for conception.

IVF is usually recommended for couples who have been diagnosed with fertility disorders. These include:

  • Women with blocked or damaged fallopian tubes, or who have had their fallopian tubes removed;
  • Men with decreased sperm count or sperm motility;
  • Women with ovulation disorders or conditions such as endometriosis (where the lining of the uterus is found outside the womb, and the scarring/inflammation of it may block the fallopian tubes and keep an egg and sperm from uniting); and
  • Individuals with a genetic disorder.

Couples with unexplained infertility issues may also seek IVF treatments to increase their chances of conceiving.

What is the difference between IVF and surrogacy? 

In IVF, the female partner carries the child throughout the duration of the pregnancy.

However, in surrogacy, a woman (also known as the surrogate) is artificially impregnated to carry the child for the couple, where the female partner is unable to carry the child. This may be due to her inability to conceive through ART treatments, or where pregnancy is risky.

In Singapore, surrogacy is currently illegal.

Assisted Reproduction (AR) centres in Singapore are also prohibited from carrying out surrogacy services and could risk having their licences suspended or revoked if they do so.

You may refer to our other article for further information on the legal issues to consider about surrogacy in Singapore.

What is the IVF Process? 

A typical IVF cycle can be explained through the following steps:

Step 1
  • The female partner will be provided with medication to stimulate hormone production, such as injections of Follicle Stimulating Hormone (FSH) to help the ovaries produce more eggs than usual
Step 2
  • The doctor will monitor follicle growth to complete maturation of developing eggs and start the ovulation process
  • During this period, regular blood tests and ultrasounds will be carried out to determine the best time to collect the eggs
Step 3
  • The eggs will be collected in day surgery; the procedure usually lasts around 30 minutes
  • The male partner will also be required to provide a semen (sperm) sample to fertilise the eggs
Step 4
  • Once the eggs and sperm are collected, they are transferred to a laboratory and the sperm is either mixed with the egg or directly injected into the egg
  • The sperm and egg are placed in an incubator and monitored to ensure that a healthy embryo develops
Step 5
  • The best quality developed embryos (also known as blastocysts) are transferred into the female partner’s uterus
  • Do note that the couple is not allowed to choose the sex of the embryo as sex selection procedures are illegal in Singapore
Step 6
  • After the blastocyst transfer, a urine or serum test will be conducted to determine if there is a pregnancy
Step 7
  • If the test shows a positive result, a foetal viability scan may be performed after a few weeks to confirm the successful pregnancy

Currently, there is a cap on the number of IVF cycles that a woman can undergo. This is set at 10 cycles for women aged 40 and below, and 5 for women above 40. However, this cap will be removed from 1 January 2020.

Typically, the first 3 steps of the IVF cycle (from the first injection of the hormone medication to egg retrieval) last for 10 to 12 days. However, this may vary across couples depending on whether they may need to undergo any additional tests or treatments prior to commencing the IVF process.

Generally, the success rate of 1 IVF cycle ranges between 50% to 60%. On average,  3 to 4 IVF cycles are usually required as most couples successfully conceive in less than 3 cycles.

Do I Qualify for IVF? 

With effect from 1 January 2020, there will be no age limit for women who wish to undergo ART procedures, including IVF treatments. However, women will have to be assessed by their doctor and certified fit to carry a pregnancy to its full term of 9 months before proceeding with the treatment.

A couple who wishes to undergo IVF treatment will first need to be assessed by a fertility specialist to understand their overall reproductive health. Tests will also be conducted to help identify any underlying causes that are affecting the couple’s ability to conceive naturally.

For women, these tests may include blood tests and ultrasound scans, while additional tests may be required to check the fallopian tubes and condition of the uterus. For men, a semen analysis will be conducted which measures the volume, shape and motility of his sperm.

Can foreigners undergo IVF in Singapore? 

Yes, foreigners can undergo IVF treatments in Singapore. However, do note that co-funding of IVF treatments is only available for Singapore citizens, or where one person in the couple is a Singapore citizen (explained below).

What is the Cost of IVF in Singapore?

IVF treatments are offered in both public hospitals and private hospitals or medical institutions in Singapore.

The costs of IVF treatment are typically between S$10,000 and S$15,000 per cycle at the 3 public hospitals that currently offer IVF treatments:

  1. KK Women’s and Children’s Hospital;
  2. National University Hospital; and
  3. Singapore General Hospital.

Private medical centres offer IVF treatment packages at a rate of between S$13,000 and S$25,000 per cycle. Their treatment packages may include the following services:

  • Doctor’s consultation fees during follicle scans
  • Ultrasound follicle scans
  • Doctor’s professional fees for egg collection and transfer
  • Laboratory charges
  • Nursing fees, use of operating theatre, standard consumables and recovery room charges.

However, do note that some IVF packages may not cover initial consultation fees with a doctor, medication and other optional procedures which will incur additional costs.

You should review the costs of IVF treatment at both public and private centres to determine which would be the most affordable option for you.

Co-funding options for IVF treatments and eligibility requirements

Co-funding options are also available to increase the accessibility and affordability of IVF treatments. Currently, the Government offers co-funding of up to 75% of the costs for undergoing such treatments. Do note, however, that co-funding is only available for treatment at public Assisted Reproduction (AR) centres.

Currently, co-funding covers the following:

  • The costs of the IVF treatment, for a maximum of 3 fresh and 3 frozen ART cycles.
  • Up to 2 out of the existing 6 co-funded cycles for women aged 40 and above (as long as the couple has previously attempted ART treatments or procedures before the age of 40)

In addition, to be eligible for co-funding:

  • You are below 40 years of age at the start of the cycle (except for the last two cycles of treatment);
  • You must not have already received 3 co-funded fresh and 3 co-funded frozen cycles in the past;
  • You have been assessed by a doctor to have met the clinical requirements for ART; and
  • You or your spouse must be a Singapore citizen at the start of the cycle.

The current co-funding options are set out in the table below:

Couple’s citizenship Per fresh cycle Per frozen cycle Coverage
Both Singapore citizens Up to S$7,700 Up to S$2,200 Maximum 3 fresh cycles and 3 frozen cycles
1 Singapore citizen, 1 Permanent Resident Up to S$5,700 Up to S$1,600
1 Singapore citizen, 1 foreigner Up to S$3,600 Up to S$1,000

A Singapore Citizen or Permanent Resident couple can also use their Medisave to help fund the costs of IVF treatments. The withdrawal sums are set out in the table below:

Treatment cycle Amount Withdrawal limit
First treatment cycle S$6,000 Lifetime withdrawal limit of S$15,000 per patient applies
Second treatment cycle S$5,000
Third treatment cycle S$4,000

What Other Fertility Treatment Options are There in Singapore?

Besides IVF, there are other fertility options that are available to couples. These include:

Intra-Uterine Insemination (IUI)

This involves inserting the prepared sperm sample (from the male partner or a donor) through the neck of the womb and into the uterus, close to the time of ovulation. IUI can be performed during a natural menstrual cycle or with artificial hormone stimulation.

It aims to increase the number of sperm that reach the fallopian tubes and subsequently increase the chances of fertilisation. If a couple performs the IUI procedure each month, the pregnancy success rates may be as high as 20% per cycle.

One may opt for IUI due to conditions such as unexplained infertility or ejaculation dysfunction in the male partner. It is however not recommended to women whose fallopian tubes are diseased, or who are suffering from endometriosis, where their fallopian tubes may be blocked (as mentioned above), decreasing their chances of fertilisation.

Intra-Cytoplasmic Sperm Injection (ICSI)

If the male partner has been diagnosed with male fertility problems such as low sperm count or low sperm motility, the ICSI procedure may help a couple conceive.

During ICSI treatment, an embryologist will use a micromanipulation equipment to inject a single sperm into each egg. The ICSI technique assists in the penetration of the egg by the sperm. This is different from IVF where thousands of sperm are added to each egg for fertilisation.

Both IVF and ICSI procedures can be carried out together to increase the chances of a successful fertilisation.

Intracytoplasmic Morphologically-Selected Sperm Injection (IMSI)

IMSI is offered where the male partner is diagnosed with severely reduced levels of sperm morphology or with mid to high-range DNA damaged sperm. It may be appropriate where the couple has a history of recurrent implantation failures or unsuccessful ICSI treatments.

A sperm sample is first obtained from the male partner. Through IMSI, the laboratory can enlarge the images of sperm to over 1,200 times its actual magnification.

The male partner’s sample is then compared against pre-defined sperm that are determined to have the best sperm quality in terms of size and shape to select the most appropriate sperm to be injected into the egg of the female partner.

IMSI offers couples a significant increase in fertilisation and pregnancy rates, as well as a reduction in miscarriage rates. However, this treatment option is not widely available and is only offered in selected fertility treatment centres.

If you are considering IVF treatments, you should consult specialist gynaecologists who are accredited IVF clinicians. They will be able to assist you with any concerns or queries that you may have about undergoing IVF.

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