• Connect with us:

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 to ART/IUI treatment done at public hospitals. Patients can still withdraw from MediSave to pay for ART/IUI treatment performed at private hospitals, up to the prevailing withdrawal limits.

  • 3. Do I have to apply for the ACP co-funding scheme for my ART/IUI treatments?

    There is no need to apply for the co-funding scheme. Instead, 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. Couples can withdraw the following amounts from either the patient’s or the patient’s spouse’s MediSave Account 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 can qualify 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/IUI 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 women who start their 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. The safety of ART procedures has improved over the years with medical technology advancements. This has significantly reduced the medical risks for women undergoing ART procedures, even beyond age 45. As such, from 1 January 2020, MOH has lifted the age limit of 45 years old for women to undergo ART treatments and removed the cap on the number of ART cycles for all women.

    As a further gesture of support, with effect from 1 January 2020, MOH has extended co-funding to the last two unutilised ART cycles (out of the six existing Government co-funded ART cycles) to women beyond age 40, as long as they have prior attempts of ACP before age 40.

    IUI co-funding is not extended to women aged 40 or beyond. 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 existing 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, if required.

  • 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 : 11 Oct 2020