IVF and IUI co-funding in Singapore, by citizenship mix
Made for Families says the Government pays part of the cost of assisted conception (IVF and IUI) at the three public centres, if at least one spouse is a Singapore citizen. It pays 75% for couples who are both citizens, 55% for a citizen and a permanent resident, and 35% for a citizen and a foreigner, up to a cap for each cycle.
Checked against official sources on 29 September 2026
This page covers money and paperwork only. It says nothing about medical treatment or results.
How much is co-funded, by citizenship mix
Made for Families (updated 16 March 2026) and MOH (updated 17 March 2026) give these shares and caps. "ART" means assisted reproduction such as IVF. A "fresh" cycle and a "frozen" cycle are counted separately.
| Couple | Fresh ART cycle | Frozen ART cycle | IUI cycle |
|---|---|---|---|
| Both Singapore citizens | 75%, up to S$7,700 | 75%, up to S$2,200 | 75%, up to S$1,000 |
| A Singapore citizen and a permanent resident | 55%, up to S$5,700 | 55%, up to S$1,600 | 55%, up to S$700 |
| A Singapore citizen and a foreigner | 35%, up to S$3,600 | 35%, up to S$1,000 | 35%, up to S$500 |
Source: Made for Families (MSF) Source: MOH
Who qualifies: a citizen spouse, a public centre, and a cycle count
- Made for Families says at least one spouse must be a Singapore citizen at the start of the cycle.
- It says the treatment must be at one of three public centres: KK Women's and Children's Hospital (KKH), Singapore General Hospital (SGH) or National University Hospital (NUH). Private clinics do not qualify.
- It says a doctor must assess the couple as suitable for the treatment.
- It says co-funding covers up to 3 fresh and 3 frozen ART cycles (6 in all), and up to 3 IUI cycles.
- It says there is no application form. The couple signs a declaration form at the hospital.
The age rule: the woman must be under 40 when a cycle starts
Made for Families says co-funding is for cycles that start before the woman turns 40. There is one exception: up to 2 of the 6 ART cycles can be co-funded at 40 or over, if the couple tried the treatment or an IUI before she turned 40. IUI co-funding does not continue after 40. Source: Made for Families (MSF)
MOH says it removed the old age limit of 45 for assisted reproduction, and the cap on the number of cycles, from 1 January 2020. It said this on 28 August 2019. The age rule above is about co-funding, not about whether treatment is allowed. Source: MOH
MediSave: up to S$6,000 for the first cycle, S$15,000 in a lifetime
MOH says a couple can use up to S$6,000 of MediSave for the first cycle, S$5,000 for the second, and S$4,000 for the third and each later cycle. The money can come from the patient's or the spouse's MediSave. There is a lifetime cap of S$15,000 for each patient. MediSave is your own CPF savings, not a grant. Source: MOH
Egg freezing: allowed up to age 37 since July 2023; only married couples can use the eggs
MOH says elective egg freezing has been allowed since 1 July 2023, for women whether or not they are married. It says the upper age limit was raised from 35 to 37 before the change started. It also says only legally married couples can use their frozen eggs to have a child. MOH announced this on 15 May 2023. Source: MOH
For medical questions about fertility, talk to a doctor
We publish no medical information. For health questions, go to HealthHub, your polyclinic or family doctor, or KKH. In an emergency, call 995.
Planning leave after the baby comes · What giving birth costs, by ward type
Not yet confirmed
We could not confirm these on an official page when we checked on 29 September 2026. We will update this page when we can.
- Whether a referral from a polyclinic or GP is needed to be seen at subsidised rates at the KKH, SGH or NUH fertility centres. We saw this only in secondary guides.
- The exact wording of MOH's licensing terms on who counts as a married couple for assisted reproduction. We saw it only in a search summary.
- Any lower age limit for elective egg freezing, and any age limit for using frozen eggs. We did not find these on an official page.
Sources
- Made for Families (MSF): Co-funding for assisted conception
- MOH: Marriage and Parenthood Schemes
- MOH: More support for fertility treatments (2019)
- MOH: Age limit for elective egg freezing (2023)
Checked against official sources on 29 September 2026
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