faithbb, its better not to waste time thinkin, y dun u go for fertility consults first. Btw, what is the issue with u or yr DH that u cant conceive naturally?
As there is a ceiling age for ivf in spore, ie 45, so u need to hurry up n not waste any more time.
the sad news is that for women 40 and above, there is no govt funding of $3k if u r sporean and wish to do ivf in a govt/restructured hospital.
So effectively, u have to come out cash for all consults and Bt and investigations, u can claim medisave of $6k for first ivf.
One treatment will cost you more than 10k at least. u shd budget at least $15k for first ivf.