Intrauterine insemination (IUI) is one of the most popular fertility treatments in Singapore. However, while it is one of the more affordable fertility treatment plans available, it is best that couples planning to undergo it are aware of the different financial support options available for them.
While IUI is not comprehensively covered by most insurance plans, there are many different options for financial assistance. Here's a breakdown of the coverage landscape for IUI in Singapore:
Insurance Coverage for IUI
Most private health insurance plans in Singapore do not directly cover the costs of fertility treatments like IUI. However, some insurers offer partial coverage through supplementary maternity riders.
This plan explicitly covers pregnancies that result from procedures such as IVF and intrauterine insemination (IUI). It is designed for those who are seeking basic yet sufficient coverage while accommodating additional premiums for ART-related pregnancies.
This maternity insurance plan covers assisted pregnancies and includes benefits tailored for both mother and child. It also addresses potential complications that arise from fertility treatments.
Learn more about Thomson Medical’s Prudential panel doctors here.
However, despite the explicit coverage provided by plans such as Manulife ReadyMummy for pregnancies resulting from assisted conception procedures, including IUI, these often come with additional premiums. It’s essential to check the fine print of your policy or consult with your insurer to determine if your plan includes such benefits.
Medisave coverage and government co-funding
Patients can explore several payment options for IUI treatments:
Medisave coverage
You can withdraw from your Medisave account and/or your spouse’s Medisave account for IUI procedures, up to a withdrawal limit of $15,000 per couple. Details of the withdrawal limits are as follows:
1st treatment cycle: up to $6,000
2nd treatment cycle: up to $5,000
3rd and subsequent treatment cycles: up to $4,000
Government co-funding
For eligible couples undergoing IUI at public hospitals, government co-funding is available. To qualify, couples must meet certain criteria:
The female partner must be under 40 years old at the start of the IUI cycle.
You have been assessed by a doctor to have met the clinical requirements for assisted reproduction technology (ART) treatment.
You have not already received 3 co-funded fresh and 3 co-funded frozen cycles in the past.
You or your spouse must be a Singapore citizen at the start of the IUI treatment.
The co-funding covers up to three cycles with varying amounts based on citizenship status:
SG citizen couple: 75% coverage, up to $1,000
SG citizen & permanent residence couple: 55% coverage, up to $700
SG citizen & foreigner couple: 35% coverage, up to $500
Learn more about Medisave coverage and government co-funding options available to you at the Ministry of Health.
Factors affecting the cost
Actual costs may vary based on your medical conditions and/or fertility challenges that require tailored treatment plans.
The type of clinic used, public hospitals or private clinics, has different prices due to variations in service and facility fees.
Fees are subject to change.
The information provided above serves as a general guide only and should not be considered a quotation or guarantee of costs. Actual fees may vary based on individual medical circumstances, complexity of treatment, and specific medical requirements. All fees are subject to prevailing GST and may be revised without prior notice.
For detailed fee information, available subsidies, and payment options:
Contact with your insurance provider regarding coverage eligibility
For a more personalised and detailed breakdown of your costs, request for an appointment with our fertility specialists
Treatment suitability and success rates vary for each individual. Your doctor will provide personalised advice based on your specific medical condition and circumstances.
This information was last updated in January 2025. You can contact Thomson Medical to findthe most current fee structures and find more information on financial assistance programs relevant for your situation.
When should I consider getting insurance coverage for my IUI treatment?
In Singapore, you should consider getting insurance coverage for IUI treatment in advance because of waiting periods and coverage limits.
What should I do?
Apply in advance: Many maternity insurance plans have a waiting period of at least 12 months before you can claim for fertility treatments.
Check coverage limits: Each policy may have a cap on fertility treatment claims.
How to apply for financial assistance?
Research options: Look into government subsidies, insurance coverage, and payment plans to figure out what’s best for you.
Gather documents: You may need to submit medical records, financial statements, and identification.
Work with your clinic: Most fertility clinics can help you apply for subsidies, use MediSave, or arrange loans.
Follow up: Make sure you meet all deadlines and check the status of your paperwork.
In Singapore, IUI is not widely covered by private insurance plans unless supplemented by specific maternity riders. However, government co-funding and MediSave withdrawals provide significant financial support for eligible couples undergoing treatment at public hospitals.
Couples considering IUI should explore both private insurance options and government assistance programs to manage costs effectively. Consulting with a fertility specialist and financial advisor can help you navigate these options and make informed decisions.
FAQ
Is IUI covered by MediSave Singapore?
Yes, you can withdraw from your Medisave account and/or your spouse’s Medisave account for IUI procedures, up to a withdrawal limit of $15,000 per couple.
What is the minimum cost of IUI in Singapore?
In Singapore, the minimum cost for an IUI procedure is around SGD$600 - $760, excluding GST, doctor consultation fees, medication, and other investigations, typically found at public hospitals; with private clinics potentially charging between $1800 and $3000 for the first round, including additional costs.
Which is cheaper, IUI or IVF?
In Singapore, IUI (intrauterine insemination) is significantly cheaper than IVF (in vitro fertilization). While an IUI cycle typically costs between $1,000 and $3,000, an IVF cycle can range from $10,000 to $17,000 depending on the clinic and individual circumstances.
Should I try IUI or IVF first?
IUI is often recommended as a first-line treatment for those with unexplained infertility, irregular cycles or ovulation, and mild male factor infertility.
Will my pregnancy be covered by insurance?
There are multiple insurance providers that provide coverage for your pregnancy, such as Manulife ReadyMummy, PRUfirst Promise and Singlife MyMaternityPlan. However, it is best to consult with your insurance providers to discuss what coverage plan is best suited for your pregnancy journey.
Can I use my MediSave to pay for my ultrasound scan?
You can use a maximum of $300 from your MediSave annually for covering the costs of scans for yourself or your dependents, provided they are conducted for diagnostic reasons.
The information provided is intended for general guidance only and should not be considered financial advice. For more information, enquire here.
For more information, contact us:
Thomson Fertility Centre
- Paragon: +65 6252 7766