The most common question i’ve received on IVF. How much did it cost?
I know some of you have emailed me on this and i have yet to reply cos i can’t remember where i kept the receipt and i just found it so here goes, the detailed breakdown of the IVF Treatment.
Things to note:
1) My IVF was done thru National University Hospital (NUH)
I think the price differs slightly among the three government hospitals (KKH, NUH & SGH)
A friend told me NUH charges slightly higher than the other 2 but really not a lot higher, maybe a few hundreds here and there. If you are going the private route (Thomson, Raffles etc), then the charges will be totally different from what i have here cos you’ll not be eligible for the Government Co-Funding.
2) I’m a subsidized patient. If you’re a private patient in any of the three hospitals, the price will be a little bit higher.
3) I’m on a short IVF protocol. I did not take any other injections before starting on my stimulation jabs.
i went from taking Nor-E pills straight to Stimulation jabs.
If you are older or have a small egg reserve, your doctor might put you on a longer protocol. Longer protocol means more drugs, more checkups and higher costings.
Before we start, here’s something you should look at:
Government Co-Funding for ART Treatments:
You can find out more here.
I fall under the SC-SC Couple. So my Co-Funding is 75% of the total IVF Cost or up to $6300.00, maximum.
Apart from that, i can also pay using my Medisave.
1st Cycle – $6000.00
2nd Cycle -$5000.00
3rd Cycle – $4000.00
So safe to say, $12,300.00 is already set aside to pay for my IVF. If i exceed $12,300.00, the balance has to be paid in Cash. Most of the time, it’s because of the long protocol or because you’re a private patient and according to a friend who’s a private patient at NUH, she had to fork out about $2000.00 extra. Which i think is a decent amount to pay if you rather have the same gynae throughout your IVF Treatment.
Amount includes GST.
- Stimulation (All the jabs i had. Gonal F, Pergoveris, Cetrotide & Suprefact) for a period of 12 days.
- ART Monitoring (Ultrasound Scans & Blood Tests)
- Oocyte Recovery – Egg Retrieval with General Anesthesia
- Embryo Replacement – Egg Transfer
- ICSI – Sperm Collection, Washing & Injecting it into the eggs.
- Day Surgery: Egg Retrieval (The use of Surgery room and wards)
- Day Surgery: Egg Transfer (The use of Surgery room and wards)
Total Cost Including GST: $11,135.88
Less Co-Funding: $6,300.00
Less Medisave: $6,000.00
Total Deposit Payable: ($1,164.12)
So yes, i did not even use up the $12,300 set aside for IVF. In fact, i had a balance $1,164.12 which will be returned to my Medisave account.
So technically, i did not have to pay anything for my IVF. It was heavily sponsored by the Government. Lol
There you have it now, if you’re considering IVF as a subsidised patient, expect to pay nothing for your 1st IVF Cycle. A friend who did her 2nd Cycle as a subsidised patient had to pay less than $500 cash. Still a decent amount.
So, IVF is not as scary as it seems. Just be thankful that Singapore is currently pro-children and we benefit from the heavy IVF Grant. $6300.00 is a lot!
TTC Couples outside Singapore always have to save for a year or more to do their IVF Cycle and certainly can’t afford to do 3 cycles back to back in a year like we do and you know for IVF, time is gold! The earlier u go through it, the higher your success rate is!