Singapore’s AMHP Co-Funding Scheme: A Plain-English Guide for Couples

For couples in Singapore considering IVF, cost is often one of the key concerns. Alongside MediSave, there is also a government co-funding scheme that may help reduce part of the treatment cost.

This is known as the Assisted Reproduction (AR) Co-Funding Scheme, sometimes referred to as AMHP. Understanding how it works can help you plan your treatment more clearly.

What is the AMHP (AR) co-funding scheme?

The AR co-funding scheme is a government initiative in Singapore that helps eligible couples offset part of the cost of fertility treatments such as IVF.

Instead of covering the full cost, the scheme provides co-funding for specific treatment cycles, subject to eligibility and prevailing guidelines.

How much co-funding is available?

The amount of co-funding depends on factors such as citizenship and the type of treatment.

In general:

• Singapore Citizen couples may receive a higher level of co-funding 
• Mixed couples (Citizen + PR) may receive partial co-funding 
• The number of supported cycles is capped 

There are also limits on the amount that can be claimed per cycle.

As these amounts may change over time, it is helpful to confirm the latest details with your clinic.

Who is eligible for co-funding?

Eligibility for the AR co-funding scheme typically depends on:

• Being a legally married couple 
• At least one partner being a Singapore Citizen 
• Undergoing treatment at a publicly assisted or approved centre in Singapore 
• Meeting applicable age and medical criteria 

Your doctor and clinic can help assess whether you meet the requirements based on your situation.

What treatments are covered?

The scheme may apply to certain assisted reproduction treatments, including:

• IVF (In-Vitro Fertilisation) 
• ICSI (Intracytoplasmic Sperm Injection), where appropriate 

Coverage applies to specific components of treatment cycles, rather than all associated costs.

How co-funding works with MediSave

The co-funding scheme is often used together with MediSave.

In practice:

• Co-funding is applied first, reducing part of the cost 
• MediSave may then be used to offset the remaining amount, within withdrawal limits 
• Any remaining balance is paid out-of-pocket 

This combined approach can help reduce the overall financial burden of treatment.

Where you can receive co-funded treatment

To be eligible for co-funding:

• Treatment must be carried out at approved centres in Singapore 
• Not all private clinics may offer co-funded cycles 

If you are considering different clinics, it may be helpful to check whether co-funding applies.

What the scheme does not cover

While co-funding can help reduce costs, it does not cover everything.

For example:

• Not all treatment components may be included 
• There are limits per cycle and per patient 
• Additional procedures or medications may not be fully covered 

Understanding these limits can help you plan your finances more clearly.

What this means for you

The AMHP (AR) co-funding scheme can help reduce part of the cost of IVF in Singapore, but it is one part of the overall financial picture.

When planning treatment, it may be helpful to consider:

• Your eligibility for co-funding 
• How MediSave may apply 
• The expected out-of-pocket costs 

Speaking with your care team can help you understand what support may be available based on your situation.

Common questions about IVF co-funding in Singapore

Can I use both MediSave and co-funding for IVF?

Yes, co-funding and MediSave may be used together, subject to eligibility and withdrawal limits.

Do all clinics in Singapore offer co-funding?

Co-funding is typically available at approved centres. It may not apply to all clinics.

How many IVF cycles are co-funded?

There are limits on the number of co-funded cycles. The exact number depends on eligibility criteria and guidelines.

Can foreigners access co-funding?

Co-funding is generally available to Singapore Citizens or eligible couples where at least one partner is a citizen.

Does co-funding cover the full cost of IVF?

No, co-funding helps offset part of the cost. There may still be out-of-pocket expenses.

Understanding your next step

Cost planning is an important part of the fertility journey. Understanding how co-funding and MediSave work together can help you make more informed decisions.

If you would like to better understand what may apply to your situation, our team can guide you through your options.