Elective egg freezing has been legal in Singapore since July 2023, and the government doesn’t fund any of it. IVF gets co-funding, but only at public hospitals and only for eligible couples. That leaves a cost gap that employers are increasingly filling.
Demand is there. In a 2025 Fertility Support SG and Milieu Insight survey, 58% of respondents said they’d be more likely to join a company that offered fertility benefits, but only 27% said their company offered fertility treatment benefits (Human Resources Online, July 2025).
Singapore’s elective egg freezing rules
- Who can freeze: women aged 21 to 37, regardless of marital status (KKH; MOH, May 2023).
- Who can use the eggs: only legally married couples, for procreation.
- Where: any licensed assisted reproduction centre, including SGH, KKH and NUH (MOH, July 2023).
- Funding: none. MOH has confirmed that “subsidies, co-funding, or MediSave for egg retrieval and/or storage for EEF, will not be available.”
More than 800 women froze their eggs for non-medical reasons between June 2023 and the end of 2025. One cycle at a public hospital costs about $10,000 (The Straits Times via Asia News Network, February 2026).
What the government already funds for IVF
Eligible couples can get 75% co-funding for assisted reproduction treatment at public hospitals, for up to 3 fresh and 3 frozen cycles. They can also use MediSave, up to a lifetime limit of $15,000 per patient (Minister Indranee Rajah, July 2025).
MediSave withdrawal limits per cycle are $6,000 for the first, $5,000 for the second and $4,000 for the third and later cycles (MOH, June 2022).
About 1 in 6 couples in Singapore experience infertility, according to the same speech by Minister Indranee.
Where an employer benefit makes the biggest difference
Government support is generous for some and absent for others. An employer benefit has the most impact where public funding stops:
- Elective egg freezing, which gets no public funding at all.
- Private clinic treatment, where co-funding doesn’t apply.
- Cycles beyond the co-funded limit, which many couples need.
- Employees who don’t qualify for co-funding, including unmarried staff and some non-citizen couples.
- Time off, since Singapore has no statutory fertility leave and treatment involves frequent early-morning appointments.
How to design the benefit
Set a clear cap. Most employers use a lifetime or annual reimbursement cap per employee rather than open-ended cover. That keeps costs predictable while still covering a meaningful share of a cycle.
Decide who’s eligible. Will you cover employees regardless of marital status for egg freezing? Partners and spouses? Staff outside Singapore? Write it down before launch.
Add leave or flexibility. A few days of paid treatment leave, or flexible hours on appointment days, removes the biggest practical barrier. Our fertility policy template includes sample wording.
Protect privacy. Employees shouldn’t need to explain their treatment to a line manager to use the benefit. Route claims through HR or a third-party provider.
Check it against the Workplace Fairness Act. The Act, expected to take effect around the end of 2027, protects characteristics including sex, marital status and pregnancy (Act 8 of 2025). Apply the benefit consistently and get legal advice on eligibility rules.
Extending the benefit across Asia
Egg freezing rules, clinic quality and prices differ from country to country. If your workforce is spread across Asia, a single policy with country-level caps is easier to run than separate schemes. Our fertility corporate benefits guide and 2025 employer benchmark report go into more detail.
Frequently asked questions
Can employers pay for employees’ egg freezing in Singapore?
Yes. There’s no rule against it, and because the government provides no funding, an employer benefit is often the only financial help available.
Does MediSave cover egg freezing?
No. MediSave can be used for IVF for eligible couples, but not for elective egg freezing.
Is there statutory fertility or IVF leave in Singapore?
No. Any fertility leave is at the employer’s discretion.
How can Zora Health help?
We design fertility benefits for employers across Asia, from policy and caps to care navigation and access to our network of 128+ partner clinics in 16 countries. Book an employer consultation.
This guide is general information and not legal or medical advice. Funding rules change, so check current details with MOH and your clinic.