Estimated costs for IUI
The cost of the actual IUI procedure at a public hospital under a private patient ranges between SGD$660-$760, excluding GST. However, this excludes doctor consultation fee, medication and other investigation costs.
Approx IUI cost at a public hospital (Before GST)
* Final bills may vary among patients, depending on additional investigations, medications, and doctor consultations.
In the private centres, the cost is approximately $1800 - $3000 for the first round. This cost is inclusive of doctor’s fees, injections and blood tests. The HIV test is valid for 6 months only. Subsequent rounds of treatments within the 6 months of HIV validity period may cost around $700 - $900 each time.
Using Medisave for IVF / IUI
Medisave can be used for IUI / IVF treatments performed locally.
You can withdraw the following amounts from your own and/or your spouse’s Medisave account, up to a lifetime withdrawal limit of $15,000 per couple:
1st treatment cycle: up to $6,000
2nd treatment cycle: up to $5,000
3rd and subsequent treatment cycles: up to $4,000
You can only use your own and / or your spouse's Medisave for IVF / IUI.
You can use Medisave to pay for cycles which are co-funded by the Government (see below) and cycles which are not co-funded.
Government co-funding for IUI
Government co-funding is available only for treatment at Singapore public hospitals, namely, NUH, SGH and KKH.
You are eligible for co-funding for IUI if you meet ALL of the following criteria:
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 IVF; and
You OR your spouse must be a Singaporean Citizen.
The co-funding will cover IUI for a maximum of 3 cycles. The amount of co-funding varies, depending on the citizenship of the couple:
SG Citizen Couple: 75%; up to $1,000
SG Citizen & SG PR Couple: 55%; up to $700
SG Citizen & Foreigner Couple: 35%; up to $500
Using Insurance for IUI
Most insurance plans do not cover maternity-related costs, much less costs of fertility and IVF treatments.
Usually, coverage for IVF / IUI treatment is a supplementary benefit that is added on to a hospitalisation plan. The waiting period for such plans is usually 12 months (i.e. you can only claim on the plan 12 months after it commences).
The claims are generally subject to the following caps:
$20,000 per pregnancy for natural deliveries and caesareans
$30,000 per pregnancy for emergency caesareans
$4,000 per cycle for infertility treatments.
Each cycle includes all imaging biological and genetic investigations, hospital expenses (in and outpatient), and medical fees. The cycle starts with all medical care related to the covered fertility treatment and ends with an insemination or embryo transfer. The coverage is limited to 3 cycles per lifetime.
Some insurance plans for Expectant Mum and Baby Coverage may include pregnancies via IVF or IUI, but these plans will not include the infertility treatments themselves. Instead, they cover pregnancy complications for the mother, congenital illnesses for the baby and hospitalisation for the baby due to certain diseases. There is usually an option for the mother to transfer the life insurance policy to the baby within 60 days of birth, without any medical underwriting.