An embryologist examines a culture dish as part of the IVF laboratory process.
How Much Does IVF Cost in Singapore? (2026)
First, what does one IVF cycle involve?
An IVF cycle involves ovarian stimulation, monitoring, egg retrieval and fertilisation, followed by either a fresh embryo transfer or embryo freezing for a later transfer.
When clinics quote the cost of IVF, they are usually referring to one treatment cycle. A fresh cycle begins with medication to stimulate the ovaries so that several eggs can mature. Your fertility specialist monitors the response through scans and blood tests before retrieving the eggs. These are then fertilised in the laboratory. If a suitable embryo develops, it can be transferred into the uterus or frozen for later use.
As a general estimate, one complete IVF cycle in Singapore costs around S$15,000 to S$20,000 before financial support. This estimate includes the ovarian stimulation medication used during the cycle, although the amount spent on medication differs depending on the prescribed dose and how long stimulation continues.
At Majella Women’s Specialist Clinic, the cost of an IVF cycle starts from SGD $14,000.
Not every cycle ends with a fresh embryo transfer. Sometimes the embryos are frozen and transferred during a separate frozen embryo transfer cycle, which is charged separately. It usually costs less than a fresh cycle because another round of stimulation medication and egg retrieval is not required.
What is included in the cost for IVF?
The price of an IVF cycle covers much more than the egg retrieval and embryo transfer themselves. It generally includes:
- Ovarian stimulation medication
- Ultrasound scans and blood tests during stimulation
- Egg retrieval and anaesthesia
- Laboratory fertilisation
- Embryo culture
- Fresh embryo transfer, if one takes place
However, clinics package these charges differently. Initial fertility tests, ICSI, embryo freezing and annual storage fees can sit outside the quoted price. A frozen embryo transfer is also billed as a separate cycle.
What additional procedures can affect the cost of IVF?
The quoted price for IVF does not always include every procedure used during treatment. Depending on your fertility needs, the doctor could recommend one or more of the following:
- Intracytoplasmic sperm injection (ICSI) — An embryologist injects a single sperm directly into an egg. This is often used when sperm quality is a concern or fertilisation has been unsuccessful before.
- Pre-implantation genetic testing (PGT) — Embryos are tested for certain chromosomal changes or inherited genetic conditions before transfer. The type of testing and number of embryos tested affect the fee. Some forms of PGT in Singapore are only offered when specific clinical criteria are met.
- Surgical sperm retrieval — Sperm can be collected directly from the epididymis or testicle when it is not present in the semen. This requires a separate procedure and adds to the treatment cost.
- Assisted hatching — A small opening is made in the embryo’s outer layer before transfer. The doctor can advise whether there is a clinical reason to consider it.
- Embryo freezing and storage — Suitable embryos that are not transferred can be frozen for future use. Clinics usually charge for the freezing process and continued storage.
- Frozen embryo transfer — Using a frozen embryo involves a separate treatment cycle. Although it avoids another egg retrieval, there are still charges for preparing the uterus, thawing the embryo and performing the transfer.
- Donor sperm or eggs — Donor treatment can involve additional screening, laboratory and administrative costs. Availability and eligibility also depend on Singapore’s requirements and the fertility centre’s programme.
Not every procedure is necessary or useful for every patient. Before agreeing to an additional cost, ask why it is being recommended, whether it is already included in the quoted package and how it relates to your particular case.
Can IVF be paid with MediSave or Insurance?
Yes. MediSave can be used for IVF and IUI treatments performed in Singapore, including cycles that do not receive government co-funding. You can use your own or your spouse’s MediSave, subject to the following withdrawal limits:
| First treatment cycle | Up to $6,000 |
| Second treatment cycle | Up to $5,000 |
| Third and subsequent cycle | Up to $4,000 per cycle |
A lifetime withdrawal limit of S$15,000 per patient applies across all assisted conception treatment cycles. MediSave can be used at both public and private assisted reproduction centres.
| Can both partners’ MediSave be used for IVF in Singapore?
Yes. You can use the female patient’s MediSave, her spouse’s MediSave or a combination of both to pay for IVF. However, the total amount withdrawn from both accounts cannot exceed the applicable limit for that treatment cycle |
Private insurance and fertility loans
Most standard private insurance plans in Singapore do not cover fertility treatment directly. However, some policies provide partial coverage through supplementary riders, so it helps to check your policy or speak to your insurer before starting IVF.Fertility-specific loans may also be available from certain financial institutions. Some clinics provide plans that spread the cost over several payments. Interest rates, fees and repayment periods differ, so review the terms carefully before committing.
Employer benefits
Some employers include fertility support in their staff benefits. Depending on the company’s policy, this could cover part of the cost of IVF or egg freezing. Check with your human resources team or benefits provider to find out what is available and whether you’re eligible.
Planning for the total cost of IVF
Before starting IVF, ask the clinic for an estimate based on your expected treatment plan rather than relying only on the advertised package price. The quotation should show what is included and which charges could arise separately.
Questions worth asking include:
- Is ovarian stimulation medication included, and what happens if I need a higher dose?
- Are consultations, scans and blood tests part of the package?
- Does the fee include ICSI or standard laboratory fertilisation?
- Is embryo freezing included?
- How much does embryo storage cost each year?
- What would a later frozen embryo transfer cost?
- What fees apply if the cycle is cancelled before egg retrieval or embryo transfer?
- How much MediSave can be used, and when is the remaining balance due?
What else should you consider before opting for IVF?
Cost matters, but it should not be the only figure you compare. A lower package price can become less meaningful if medication, laboratory procedures or embryo storage are charged separately.
Ask for an itemised quotation and find out who will manage your treatment throughout the cycle. It also helps to understand how easily you can contact the clinical team if your medication changes or you have concerns between appointments.
Ultimately, the aim is not simply to find the cheapest IVF package. It is to understand what you are paying for, whether the proposed treatment is appropriate and how the clinic will support you through each stage.
Financial counselling at Majella Singapore
Asking questions about the treatment plan and expected costs can help couples feel more prepared before starting IVF.
Planning for IVF can feel overwhelming. Alongside the emotional side of treatment, it is natural to worry about how much you need to set aside and whether other costs could arise along the way. You shouldn’t have to work through these questions on your own.
At Majella Women’s Specialist, you can rest assured that Dr Tan Heng Hao and our team will take the time to explain your proposed treatment and the expected costs. Our clinical team can provide an itemised estimate, clarify what the quoted fee covers and help you understand how much MediSave you can use. We can also let you know what information you will need when checking your coverage with your insurance provider.
If you are considering IVF, schedule a consultation with us today. We will help you understand your options and plan for the treatment ahead with greater peace of mind.
Frequently Asked Questions
How many IVF cycles are generally needed?
There is no fixed number. Some patients become pregnant after their first cycle, while others need two or more attempts. Age, ovarian response and the number of suitable embryos available all influence how many cycles are needed. If frozen embryos remain from the first egg retrieval, another transfer can take place without repeating the full stimulation and retrieval process.
What happens if an IVF cycle does not reach embryo transfer?
A cycle can stop before embryo transfer if the ovaries do not respond as expected, fertilisation does not occur or no suitable embryo develops. In other cases, the doctor might advise freezing the embryos and arranging the transfer for a later cycle.
You will generally still need to pay for the medication, monitoring, egg retrieval or laboratory work already completed. Ask your clinic how it handles these charges before starting treatment.
Is IVF medication included in the quoted cost?
This depends on how the clinic structures its IVF package. Even when medication is included, the final amount can change according to the dose prescribed and the length of ovarian stimulation. Check in with your doctor on whether the quotation includes all medication or only an estimated allowance.
Why does the cost of IVF differ between patients?
Each treatment plan is different. One patient might need a higher dose of stimulation medication, while another requires ICSI, surgical sperm retrieval or genetic testing. Embryo freezing, storage and a later frozen embryo transfer can also increase the overall cost.
Does a frozen embryo transfer cost less than a fresh IVF cycle?
Generally, yes. A frozen embryo transfer does not require another egg retrieval or the same course of ovarian stimulation medication. There are still costs for preparing the uterus, monitoring the cycle, thawing the embryo and carrying out the transfer.
Are embryo freezing and storage included in an IVF package?
Not always. Some packages include the initial freezing fee or a limited period of storage, while others charge for these separately. Ask about both the freezing fee and the cost of annual storage when reviewing your quotation.
Can both partners’ MediSave be used for IVF?
Yes. The female patient’s MediSave, her spouse’s MediSave or a combination of both can be used. However, the combined withdrawal cannot exceed the applicable limit for that treatment cycle: up to S$6,000 for the first cycle, S$5,000 for the second and S$4,000 for the third and subsequent cycles. A lifetime withdrawal limit of S$15,000 per patient applies.
Can MediSave be used for IVF at a private clinic?
Yes. MediSave can be used for eligible IVF treatment at approved private assisted reproduction centres in Singapore, subject to the prevailing withdrawal limits.
