For couples struggling with fertility, in-vitro fertilisation (IVF) offers a pathway to parenthood. However, one of the biggest concerns is IVF cost in Singapore and whether the procedure is accessible to everyone. Many couples ask, “How much is IVF in Singapore?” and “Is IVF legal in Singapore?” If you’re considering this treatment, understanding the financial and legal aspects is essential.
In this article, we’ll explore the IVF procedure in Singapore, how much it costs, legal considerations, and funding options available for couples.
How Much Does IVF Cost In Singapore?
The cost of IVF in Singapore varies depending on the clinic, type of treatment, and the number of cycles required. On average, here’s what you can expect to pay per cycle:
- Public Hospitals: S$10,000 – S$15,000
- Private Clinics: S$12,000 – S$20,000
These prices typically cover consultation, medication, laboratory fees, and embryo transfers. However, additional charges may apply for specialised treatments like embryo freezing or genetic screening.
Government Subsidies & Medisave Coverage
To help ease the financial burden, couples can use Medisave and government subsidies:
- Medisave: Couples can withdraw up to S$15,000 in their lifetime for IVF treatment.
- Government Co-Funding: Singaporean couples undergoing IVF at public hospitals may receive up to S$7,700 per cycle, depending on their eligibility.
Is IVF Legal In Singapore?
Yes, IVF is legal in Singapore, but it is strictly regulated under the Ministry of Health’s (MOH) licensing framework. Couples considering IVF must meet certain legal and medical requirements.
1. Eligibility Criteria
Only married heterosexual couples can undergo IVF in Singapore. This means that unmarried individuals and same-sex couples are not eligible for treatment. Both Singaporean and permanent resident (PR) couples, as well as foreigners who meet the criteria, can access IVF services at licensed clinics.
2. Age Limit and Number of Cycles Allowed
Singapore previously had an age limit for IVF, but as of 2020, women above 45 can undergo IVF treatment, provided they are medically fit. Additionally, there is a limit of 10 IVF cycles for women under 40 and 5 cycles for women aged 40 and above.
3. Restrictions on Egg Freezing
Elective social egg freezing (for non-medical reasons) was not allowed in Singapore until recent policy changes. Starting in 2023, Singaporean women aged 21 to 35 can freeze their eggs, but fertilisation and use are only permitted within marriage.
4. Legal Guidelines on Embryo Storage and Genetic Testing
- Embryo Freezing: Extra embryos can be frozen and stored for future use, but they must be used before the woman turns 55.
- Pre-implantation Genetic Testing (PGT): Genetic testing of embryos is only permitted for screening severe inherited conditions, subject to MOH approval.
5. Surrogacy and Donor Egg/Sperm Use
- Surrogacy is illegal in Singapore, meaning couples cannot use a surrogate mother to carry their child.
- Egg and sperm donation are allowed, but they must come from an anonymous donor through an approved medical facility.
6. MOH Licensing and Compliance
All fertility clinics must be licensed under the MOH’s Assisted Reproduction Services Regulations to ensure ethical and medical standards are upheld. Regular inspections and compliance checks are conducted to maintain patient safety and quality care.
IVF Procedure In Singapore: Step-By-Step Process
If you’re considering IVF in Singapore, it’s helpful to understand the step-by-step process before beginning treatment. While the journey varies slightly for each individual, most couples go through the following key stages:
1. Initial Consultation and Fertility Assessment
The IVF process begins with an appointment at a fertility clinic, where a specialist will review your medical history and conduct necessary tests. These may include blood tests, hormone level checks, ultrasounds, and semen analysis for the male partner. The goal is to assess your fertility health and determine whether IVF is the right treatment for you. If you qualify, the doctor will explain the procedure, success rates, and estimated costs.
2. Ovarian Stimulation
To maximise the chances of retrieving multiple mature eggs, the woman is given hormonal injections for about 10 to 14 days. These medications stimulate the ovaries to produce more eggs than the usual one per cycle. Throughout this period, regular scans and blood tests monitor the response to ensure the ovaries are developing eggs at an optimal rate.
3. Egg Retrieval (Oocyte Collection)
Once the eggs are mature, a trigger injection is administered to prepare them for retrieval. About 34 to 36 hours later, the eggs are collected through a minor surgical procedure called follicular aspiration. This is done under mild sedation or anaesthesia, where a fine needle is guided through the vaginal wall to extract the eggs from the ovaries. The procedure is usually painless, though some women may experience mild discomfort afterwards.
4. Sperm Collection and Fertilisation
On the same day as the egg retrieval, the male partner provides a sperm sample, which is then processed in a laboratory. The healthiest and most active sperm are selected and combined with the eggs in one of two ways:
- Conventional IVF: The sperm and eggs are placed together in a dish and fertilisation occurs naturally.
- Intracytoplasmic Sperm Injection (ICSI): A single healthy sperm is injected directly into an egg to assist fertilisation, usually recommended for male fertility issues.
After fertilisation, the embryos are monitored for a few days to assess their quality and development.
5. Embryo Transfer
Once the embryos have developed, one or more are selected for transfer into the woman’s uterus. This is a quick and painless procedure, similar to a pap smear, where a thin catheter is inserted into the uterus to deposit the embryo. No anaesthesia is required. The number of embryos transferred depends on age, embryo quality, and medical history. Any extra healthy embryos may be frozen for future use.
6. Luteal Phase Support and Pregnancy Test
After the embryo transfer, hormonal support (such as progesterone supplements) is prescribed to help the uterine lining support implantation. About 10 to 14 days later, a blood test is conducted to check for pregnancy. If the test is positive, the pregnancy will be monitored closely. If unsuccessful, the couple may discuss the next steps with their doctor, including trying another IVF cycle.
Conclusion About IVF Procedure In Singapore
Starting an IVF journey is a deeply personal decision, and IVF cost in Singapore is an important factor to consider. With government subsidies, Medisave support, and professional medical advice, couples have more options to manage costs.
If you have legal concerns about fertility treatments, Tembusu Law can provide professional guidance. Our firm has some of the best Divorce and family lawyers in Singapore, ensuring that couples navigating complex legal matters, including fertility-related disputes, receive expert advice.
Reach out to Tembusu Law today for legal support tailored to your needs.
Frequently Asked Questions About IVF Cost In Singapore
Is IVF Covered By Medisave In Singapore?
Yes, Medisave allows couples to withdraw up to S$15,000 for IVF treatments, subject to limits per cycle.
Is IVF Legal In Singapore?
Yes, IVF is legal in Singapore but is regulated by the Ministry of Health. Only married heterosexual couples are eligible for treatment.
What Is The Success Rate Of IVF In Singapore?
The success rate depends on age and health factors. On average, women under 35 have a 40-50% success rate, while older women may have lower chances.
Can Unmarried Couples Undergo IVF In Singapore?
No, only legally married couples can undergo IVF treatment in Singapore.
Are There Subsidies For IVF In Singapore?
Yes, Singaporean couples undergoing IVF at public hospitals can receive up to S$10,700 per cycle in government co-funding.
