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Enhanced Co-Funding For Assisted Reproduction Technology (ART) Treatment

Eligible couples seeking Assisted Reproduction Technology (ART) treatment in public hospitals can receive up to 75% in co-funding from the Government for ART treatment cycles, for a maximum of 3 fresh and 3 frozen ART cycles. The amount of co-funding varies, depending on the citizenship of the couple, as illustrated below:

Enhanced ART Co-Funding Parameters per Treatment Cycle (with effect from 1 Jan 2013)
Singapore Citizen (SC) Couple SC-PR Couple* SC-Foreigner Couple*
Fresh 75%; up to $6,300 55%; up to $4,600 35%; up to $3,000
Frozen 75%; up to $1,200 55%; up to $900 35%; up to $600
* Note: At least one member of the couple must be an SC. 

Couples with children are also eligible for co-funding. The co-funding scheme covers ART procedures such as in-vitro fertilisation (IVF) with or without intracytoplasmic sperm injection (ICSI), as well as gamete intra-fallopian transfer (GIFT).

All the standard procedures, from ovarian stimulation or thawing of the embryo to embryo transfer, can be considered for co-funding. However, initial consultations and investigations prior to a patient’s decision to start ART treatment are not included.

You are eligible for enhanced ART co-funding if you meet ALL of the following criteria:

  1. You have started or are scheduled to start your ART cycle at a public hospital on or after 1 Jan 2013, i.e. the date of ovarian stimulation (for fresh cycles) or the thawing of the embryo (for frozen cycles) is on or after 1 Jan 2013;
  2. You are below 40 years of age at the start of the cycle;
  3. You have not already received 3 co-funded fresh and 3 co-funded frozen cycles in the past;
  4. You have been assessed by a doctor to have met the clinical requirements for ART; and
  5. You OR your spouse must be a Singapore Citizen at the start of the ART cycle.
  • 1. Which Assisted Reproduction (AR) centres are eligible for the ART co-funding scheme?

    ART co-funding is available only at AR centres in Singapore public hospitals. These are located at National University Hospital (NUH), Singapore General Hospital (SGH), and KK Women's and Children's Hospital (KKH).

  • 2. Is ART co-funding extended to private hospitals? Why not?

    No. Similar to general healthcare subsidies, the ART co-funding scheme only applies for ART treatment done at public hospitals. Patients can still use Medisave for ART treatment performed at private hospitals up to the prevailing withdrawal limits.

  • 3. Do I have to apply for the ART co-funding scheme?

    You will only need to fill up a declaration form provided by the hospital, which will be used to check your eligibility for the co-funding scheme. Once the hospital has verified that you are eligible to receive co-funding, the hospital will incorporate it into your bill.

  • 4. Can I use Medisave to foot the remaining costs of a co-funded ART cycle?

    Yes, Medisave can be used to pay for both co-funded cycles and cycles that are not co-funded. For co-funded cycles, the use of Medisave will serve to further reduce the out-of-pocket amount that you will have to pay. Couples can withdraw the following amounts from Medisave for ACP, up to a lifetime withdrawal limit of $15,000:

    • 1st cycle: up to $6,000
    • 2nd cycle: up to $5,000
    • 3rd and subsequent cycles: up to $4,000

  • 5. I have two children already, but am trying for a third. Will I still qualify for the ART co-funding scheme?

    Yes, you can qualify for ART co-funding as long as all the eligibility criteria are met.

  • 6. Why is there an age restriction for the ART co-funding scheme?

    Medical evidence shows that the chance of conception is significantly higher for a woman who undergoes ART treatment at a younger age. The ART co-funding scheme is meant to encourage couples who have difficulty conceiving to seek treatment early, and hence focuses on those who start their ART treatment cycle before reaching 40 years of age.

  • 7. Why is co-funding only provided for 3 fresh and 3 frozen ART cycles? What about subsequent ART cycles for couples who may need it?

    Fresh ART treatment cycles usually produce excess embryos, which are then typically frozen and stored for future use. With improvements in technology and clinical practice, it is now a norm in clinical practice for couples who have produced enough good quality embryos from the first fresh treatment cycle to follow up with a frozen treatment cycle thereafter. Co-funding for 3 fresh and 3 frozen cycles is meant to encourage couples to use their frozen embryos left over from fresh cycles.

    Please note that no co-funding will be provided for subsequent ART cycles beyond the 3 fresh and 3 frozen co-funded cycles.

    For more information on the ART co-funding scheme, please refer to: www.moh.gov.sg (under “Marriage and Parenthood Schemes”).

  • 8. Why are the other assisted conception procedures (ACPs) such as intra-uterine insemination (IUI) not co-funded by the Government?

    The ART co-funding scheme is meant to help make more costly ART treatments such as in-vitro fertilisation (IVF) (with or without intracytoplasmic sperm injection (ICSI)) and gamete intra-fallopian transfer (GIFT) more affordable. The other ACPs, such as IUI, are generally less costly in nature. In both cases, Medisave can be used to help defray the cost.

For more information on the ART co-funding scheme, please refer to the MOH website.

Last Updated : 13 Oct 2017