Zora Health / Employer guide / Asia Pacific
Compare fertility support for employees across 24 markets in Asia Pacific.
Public IVF funding, eligibility rules and leave differ from one market to the next. Ten of the 24 countries provide public or insurance funding for IVF, while Sri Lanka, Thailand and Uzbekistan run small programmes and the other eleven leave employees paying in full. Surrogacy is prohibited or unlawful in seven, including China, Malaysia and Taiwan, and commercial surrogacy is banned in Hong Kong, Nepal and Thailand. Each country guide has the full detail and sources.
Overview
| Country | Public IVF funding | Eligibility and limits | Egg freezing | Surrogacy | Maternity and paternity leave |
|---|---|---|---|---|---|
| Australia | Medicare rebates 75 to 85% of schedule fee; large gap remains | Victoria public care: egg age 42 or under, 2 stimulated cycles | Allowed; no Medicare rebate | Altruistic only in every state; parentage order needed | Paid Parental Leave 26 weeks from July 2026; no fertility leave |
| Bangladesh | None; standard health insurance excludes IVF | No IVF law; clinics set eligibility | No law or guideline; no published price | No statute; impermissible under prevailing norms | Maternity 120 days paid; no statutory paternity leave |
| Brunei | Citizens exempt from MOH charges; no published IVF funding rule | Foreign residents pay full charges since July 2025 | Not offered locally; no rules found | No law found | Maternity 15 weeks (13 paid) for citizens, 9 for foreigners; no paternity |
| Cambodia | None; NSSF health care excludes IVF | No law; clinics decide who they treat | Offered by clinics; no rules found | Banned; prosecuted under trafficking law | Maternity 90 days at 50% employer pay; fathers 7 days special leave |
| China | Basic insurance partly covers IVF in all 31 regions; rates vary | Married couples with a medical need only | Not permitted for non-medical reasons | Prohibited | Maternity 98 days, 158 to 178 in some provinces; no fertility leave |
| Hong Kong | Up to 3 cycles at set fees; 1,600 public cycles in 2026-27 | Married women under 40 with no living child | Allowed; use in Hong Kong only once married | Commercial surrogacy banned | Maternity 14 weeks, paternity 5 days, both at four-fifths pay |
| India | None verified; standard insurance excludes IVF | Women over 21 and under 50; single women allowed | Allowed at registered clinics within ART Act age limits | Altruistic only; married couples within age limits | Maternity 26 weeks (12 with two or more children); no fertility leave |
| Indonesia | None; BPJS Kesehatan excludes infertility treatment | Married couples, own eggs and sperm, infertility diagnosis | Unregulated; frozen eggs usable only with a spouse | Not lawful | Maternity 3 to 6 months; husbands 2 days plus up to 3 |
| Japan | Insurance covers IVF since 2022 at 30% co-pay, monthly cap | Under 43; 6 transfers if starting before 40, else 3 | Not insured; Tokyo subsidy for residents aged 18 to 39 | Not available; no statute; birth mother is legal mother | Maternity 14 weeks; fathers up to 28 days postnatal leave |
| Kazakhstan | State quota funds about 7,000 cycles a year; one attempt yearly | Citizens aged 18 to 42 with infertility; foreigners pay in full | Allowed as a paid service; no public funding | Legal; only married Kazakh citizens since July 2026 | Maternity 126 days; no paid paternity leave; up to 5 days unpaid |
| Macau | Fees waived for up to 2 IVF or ICSI cycles | Married or resident de facto couples aged 18 plus; no single women | Allowed; use requires a married or de facto couple | Prohibited; a crime | Maternity 90 days from July 2026; paternity 5 working days |
| Malaysia | No national IVF subsidy; BuAI funds up to 2 IUI cycles | BuAI: wife 35 or under, income below RM10,000, first child | Not addressed by MMC guideline; check with legal advisers | Prohibited by MMC guideline | Maternity 98 days paid; paternity 7 days paid |
| Myanmar | None found; state hospital charges a fee | No law; public centre treats married couples | No rules or published price found | No rules found | Maternity 14 weeks at 70%; insured fathers up to 15 days |
| Nepal | None; public Paropakar hospital offers lower-cost IVF | No Act; centres need Ministry permission | On hold under a Supreme Court interim order | Commercial surrogacy banned; no altruistic law yet | Maternity 98 days (60 on full pay); paternity 15 days paid |
| New Zealand | Up to 2 funded packages with a priority score of 65 | Woman under 40 at referral, BMI 32 or under, non-smoker | Allowed; self-funded | Voluntary only; reform bill before Parliament | Paid parental leave up to 26 weeks; partners 2 weeks unpaid |
| Pakistan | None; health cards reportedly exclude fertility treatment | Married couples using their own eggs and sperm only | No rules; eggs usable only within marriage | Unlawful under 2017 Federal Shariat Court ruling | Federal: maternity 180 days, paternity 30; provinces 12 to 16 weeks |
| Philippines | None; PhilHealth has no IVF package | No law; clinics limit IVF to married couples, own gametes | Offered by private clinics; no legal framework | No legal framework | Maternity 105 days paid; married fathers 7 days |
| Singapore | Co-funding up to 75% for 3 fresh cycles, by citizenship | Under 40 at cycle start; no co-funding if neither spouse citizen | Allowed for women aged 21 to 37; not subsidised | Not offered by ART centres; overseas cases assessed case by case | Maternity 16 weeks government-paid; paternity 4 weeks; shared leave 10 weeks |
| South Korea | Insurance at 30% co-pay, up to 20 IVF cycles per birth | No insurance age cap stated; guideline limits IVF to couples | Allowed for single women; not insured; Seoul subsidy | Unregulated; paid arrangements prosecuted; birth mother is mother | Maternity 90 days; spouse 20 days paid; 6 days infertility leave |
| Sri Lanka | Small free state programmes at Ragama and Kilinochchi only | No law; Kelaniya unit serves heterosexual couples first | Egg banking at private clinics; no statutory limits | No legal framework | Maternity 84 days paid; no private sector paternity leave |
| Taiwan | Subsidy up to NT$150,000 per cycle, up to 6 cycles | Married couples, one Taiwanese spouse, wife under 45 | Allowed; use only within marriage; no national subsidy | Not permitted | Maternity 8 weeks; 7 days paid paternity checkup and paternity leave |
| Thailand | Gold Card pilot pays a flat ฿100,000 per IVF course; Social Security none | Gold Card: legally married Thai women aged 30 to 40 | Single women may freeze; use requires marriage | Commercial banned; altruistic only for Thai couples, relative surrogate | Maternity up to 120 days; spouse up to 15 days paid |
| Uzbekistan | State funds up to 100 people a year, paid on success | No age or marital status rule in law | Offered by clinics; no published limits | Not regulated by law | Maternity 126 days; no statutory paternity leave |
| Vietnam | None; social health insurance excludes IVF | Couples, medical indication, or single women since October 2025 | Reportedly allowed without medical reason since October 2025 | Altruistic only; surrogate must be a close relative | Maternity 6 months (7 for second child); fathers 5 to 14 days |
What employers need to know in each country
Each card sums up the country guide: the point that matters most for a fertility benefit, the typical private cost and anything that may change soon. The guide has the full detail and sources.
Australia
Medicare covers part of IVF, but clinic fees far exceed schedule fees, leaving about A$6,700 or more out of pocket for a first cycle. An allowance can close that gap and fund elective egg freezing, which gets no Medicare rebate.
- Typical private cost. About A$6,700 or more out of pocket for a first cycle
- Worth watching. ACTU proposal for 10 days’ paid reproductive leave
Bangladesh
With no IVF law, no public funding and insurance excluding IVF, employees pay Tk 3 to 5 lakh per private cycle themselves. Employers should define eligibility in their own policy and confirm each clinic’s rules.
- Typical private cost. Tk 3 to 5 lakh per private cycle (2023)
Brunei
JPMC is Brunei’s only IVF provider and publishes no prices, and foreign residents have paid full Ministry of Health charges since July 2025. A fixed allowance gives staff a defined budget, including for treatment abroad, with no income tax relief to offset costs.
- Typical private cost. No local price published; the guide uses a labelled reference price
Cambodia
NSSF excludes IVF, so employees pay from US$5,500 per cycle at private Phnom Penh clinics. Surrogacy is banned and prosecuted under the trafficking law, so a benefit should not fund it.
- Typical private cost. From US$5,500 per IVF or ICSI cycle (June 2025)
- Worth watching. Dedicated surrogacy law still in draft
China
Insurance now partly covers IVF everywhere, but patients still pay for drugs, add-ons and extra cycles, about RMB 4,000 to 10,000 per Beijing cycle. An allowance can fill these gaps, though elective egg freezing is not permitted for single women.
- Typical private cost. RMB 30,000 to 50,000 per standard cycle before insurance (2025)
- Worth watching. National unification of covered IVF items announced August 2026
Hong Kong
Public IVF is limited to married women under 40, and its quotas were fully used in the two previous years, so most employees pay HK$80,000 to 90,000 privately. Single staff can freeze eggs but cannot use them in Hong Kong until married.
- Typical private cost. HK$80,000 to 90,000 per private cycle
- Worth watching. Government to look at more support for women over 40
India
Standard health policies exclude IVF, and riders cap it at ₹1 lakh to ₹3 lakh after 2 to 3 year waits. Because the ART Act sets an upper age of 50 for women, when an allowance can be used matters as much as its size.
- Typical private cost. ₹1 lakh to ₹4 lakh per private cycle
Indonesia
BPJS Kesehatan does not cover IVF, which is licensed at 59 hospitals in only 15 of 38 provinces, so many employees also face travel costs. An allowance should cover travel and accommodation, with egg freezing eligibility agreed with legal counsel.
- Typical private cost. Rp99 million to Rp143 million on average, by age and hospital type (2021 study)
Japan
Insurance covers IVF at a 30% co-pay for women under 43, but add-ons and elective egg freezing are not covered. Employers offering dedicated fertility leave can apply for Kurumin Plus, and Tokyo grants employers up to ¥600,000 for egg freezing benefits.
- Typical private cost. Average ¥501,281 per IVF treatment before insurance (2020 to 2021 survey)
- Worth watching. Donor treatment outline for de facto couples, May 2026
Kazakhstan
Free IVF covers only citizens aged 18 to 42, with waits of 1 to 1.5 years reported, so foreign staff and many others pay privately. With medical costs projected to rise 32% in 2027, a fixed allowance keeps the employer’s cost predictable.
- Typical private cost. ₸1.2 million to 1.5 million per cycle (October 2025)
Macau
The public scheme waives fees for up to 2 cycles but excludes genetic testing, underlying conditions and further cycles, and couples wait months. An allowance can fund private treatment while employees wait, plus embryo storage and extra cycles.
- Typical private cost. MOP 70,000 to 90,000 per private cycle (2024)
Malaysia
With no national IVF subsidy, most employees pay RM20,000 to RM30,000 per private cycle, helped only by tax relief and EPF withdrawals. Treatment is limited to married couples, and egg freezing eligibility for unmarried staff should be agreed with legal advisers.
- Typical private cost. RM20,000 to RM30,000 per cycle at private centres
- Worth watching. National Subfertility Registry planned from 2026
Myanmar
There is no public IVF funding or law, and clinics publish no prices, so employees pay in full or travel to Thailand, where IVF is limited to married couples. An allowance should permit treatment abroad and cover travel.
- Typical private cost. No local price published; the guide uses a labelled reference price
Nepal
A Supreme Court interim order has halted egg removal and storage since August 2025, so egg freezing and donor eggs are unavailable. Employers should fund IVF and travel to Kathmandu Valley clinics, and confirm in writing what clinics can lawfully offer.
- Typical private cost. NPR 300,000 to 600,000 per private cycle (2025)
- Worth watching. Supreme Court ruling on egg removal and storage pending
New Zealand
Public IVF needs a priority score of 65 and referral before 40, and Auckland waits reached 9 to 10 months in May 2026. Employees in their late 30s often choose between waiting and paying NZ$15,815 to 19,135 privately, so allowance timing matters.
- Typical private cost. NZ$15,815 to 19,135 per full cycle (July 2026)
- Worth watching. Surrogacy reform bill and storage limit review
Pakistan
Most couples pay for IVF themselves, from about Rs 600,000 at private clinics, while Aon projects 23.5% medical cost growth for 2026. Treatment is limited to married couples using their own gametes, so take legal advice before offering egg freezing to unmarried staff.
- Typical private cost. From about Rs 600,000 per cycle at private clinics (2025)
- Worth watching. Personal Data Protection Bill not yet enacted
Philippines
PhilHealth and most HMO plans exclude IVF, so employees pay ₱250,000 to 350,000 per cycle plus ₱50,000 to 150,000 for medication. As clinics limit IVF to married couples, an allowance can cover egg freezing and tests regardless of marital status.
- Typical private cost. ₱250,000 to 350,000 per basic cycle before medication (2026)
- Worth watching. ART and surrogacy bills pending in Congress
Singapore
Co-funding depends on citizenship, so couples where neither spouse is a citizen get none and work pass holders have no MediSave. An allowance helps foreign staff most and can cover elective egg freezing, about S$10,000 a cycle with no subsidy.
- Typical private cost. About S$15,000 to S$17,700 per private cycle (2024)
- Worth watching. Workplace Fairness Act expected end of 2027
South Korea
Employers must give 6 days of infertility treatment leave a year, with paid days rising from 2 to 4 on 27 November 2026. Insurance covers most IVF, so an allowance is best aimed at elective egg freezing, which is fully self-funded.
- Typical private cost. About ₩1.5 million to ₩4 million per fresh cycle before insurance
- Worth watching. Paid infertility leave rises to 4 days, November 2026
Sri Lanka
Most couples pay LKR 2 to 3 million per private cycle, because state IVF is limited to a few small programmes. With no assisted reproduction law, employers should agree eligibility rules with local legal counsel.
- Typical private cost. LKR 2 to 3 million per private cycle (January 2026)
- Worth watching. Castle Street state IVF unit not yet open
Taiwan
The state pays about 77% of a standard cycle for eligible married couples, but single women, female couples and couples without a Taiwanese spouse get nothing. An allowance aimed at excluded staff, co-pays, extra cycles and egg freezing keeps the budget predictable.
- Typical private cost. NT$200,000 to NT$280,000 private; NT$150,000 to NT$170,000 public (2025)
- Worth watching. Bill to include single women stalled in committee
Thailand
Most private-sector employees are in Social Security, which has no IVF benefit, so they pay ฿100,000 to 250,000 per cycle themselves. Treatment is still limited to married couples, so check eligibility wording for same-sex spouses while the law is reviewed.
- Typical private cost. ฿100,000 to 250,000 per IVF cycle (2025)
- Worth watching. Draft ART amendment for all spouses, consulted July 2026
Uzbekistan
Outside a quota of 100 people a year, every IVF cycle is paid in full, from about UZS 15 million in Tashkent before drugs and tests. Many patients need more than one cycle, so a fixed allowance keeps the employer’s cost predictable.
- Typical private cost. From UZS 15 million per full procedure in Tashkent (2026)
- Worth watching. Paid paternity leave bill passed first reading May 2026
Vietnam
Social health insurance pays nothing toward IVF, so employees fund every cycle at about VND 70 to 100 million. Since October 2025 single women can use IVF, so benefit eligibility should not depend on marital status.
- Typical private cost. VND 70 to 100 million per cycle
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