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Co-Funding For Assisted Conception Procedures (ACP)

Eligible couples undergoing Assisted Conception Procedures (ACPs) in public Assisted Reproduction (AR) centres can receive up to 75% in co-funding from the Government. The co-funding will cover:

  • Assisted Reproduction Technology (ART) treatment, for a maximum of 3 fresh and 3 frozen ART cycles.
    • <NEW> From 1 Jan 2020, 2 co-funded cycles (out of the existing 6 cycles) can be carried out at age 40 or later*.
  • <NEW> From 1 Jan 2020, intra-Uterine Insemination (IUI), for a maximum of 3 cycles.

* As long as the couple has attempted AR or IUI procedures before age 40

The amount of co-funding varies, depending on the citizenship of the couple. Details are below.

(A) ACPs Co-Funding per Treatment Cycle

Singapore Citizen (SC) Couple

SC-PR Couple

SC-Foreigner Couple

Fresh ART cycles

75%; up to $7,700

55%; up to $5,700

35%; up to $3,600

Frozen ART cycles

75%; up to $2,200

55%; up to $1,600

35%; up to $1,000




75%; up to $1,000

55%; up to $700

35%; up to $500

The co-funding scheme covers ART procedures such as in-vitro fertilisation (IVF) and its variations (with or without intracytoplasmic sperm injection (ICSI), in-vitro maturation, donor cycles and double stimulation cycles), 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 ACP co-funding if you meet ALL of the following criteria:

For ART Co-Funding:

  • You are below 40 years of age at the start of the ART cycle (except for the last two cycles of ART for couples who have attempted ART/IUI before age 40, from 1 Jan 2020);
  • You have not 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 ART cycle.

^Investigations and tests are required to determine if a couple has met the clinical criteria to undergo ART treatment, and this process may take up to 3 months before a couple can commence their ART cycle.

For IUI Co-Funding:

  • You are below 40 years of age at the start of the IUI cycle;
  • You have been assessed by a doctor at the public AR centre to be suitable to try IUI before proceeding to ART; and
  • You OR your spouse must be a Singaporean Citizen.

For more information on the ACP co-funding schemes, please refer to: www.moh.gov.sg (under “Schemes & Subsidies -> Marriage and Parenthood Schemes”).

  • 1. Which Assisted Reproduction (AR) centres are eligible for the ACP co-funding scheme?

    ART and IUI co-funding are 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/IUI co-funding extended to private hospitals? Why not?

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

  • 3. Do I have to apply for the ART/IUI 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 ACP cycle?

    Yes, MediSave can be used to pay for both co-funded cycles and cycles that are not co-funded. For co-funded cycles, you can use MediSave to further reduce the out-of-pocket amount. 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 already have two children, but am trying for a third. Will I still qualify for the ACP co-funding scheme?

    Yes, couples with children are eligible for ACP co-funding, as long as all the eligibility criteria are met.

  • 6. Why is there an age restriction for the ACP 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 ACP 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.

    At the same time, we understand that some couples may wish to try to conceive even beyond 40 years of age. As a gesture of support, the Government will extend the last two cycles (out of the six existing Government co-funded ART cycles) to couples beyond age 40, as long as they have prior attempts of ACP done locally.

    IUI co-funding is not extended to couples age 40 or beyond, because it is an upstream fertility treatment and women beyond 40 years old are likely to be referred to undergo ART treatments.

  • 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?

    The number of co-funded ART cycles is currently set at 3 fresh and 3 frozen cycles based on current clinical evidence which shows that the success rate of ART decreases with each cycle and with age. Co-funding for 3 fresh and 3 frozen cycles allows couples to freeze and store excess embryos produced from fresh cycles, and to follow up with a frozen treatment cycle subsequently.

  • 8. Why is co-funding only provided for 3 IUI cycles? What about subsequent IUI cycles for couples who may need it?

    The number of co-funded IUI cycles is set based on the typical clinical practice where couples will usually try three cycles of IUI before moving on to ART.

Last Updated : 16 Sep 2019