Hi.. I fork out around 1.5k cash in total prior to the start of IVF treatment. This was paid for initial blood test (there is few blood test by the way) , check ups (also if you have any medical history), scans and seminars. Once they start treatment, all will be paid by gov funding and medisave. BUT should you require more dosage and it exceeds the total combine amount of gov funding and medisave, then you will have to top up the difference by cash. For myself, i did not top up any cash for my 1st fresh cycle. I am now on my 2nd fresh and on long protocol. I am not sure if i need to top up cash yet, but if required to, it will be less than 1k cash according to doctor. But to get the full subsidy, please go to polyclinic first and get a referral.