SSS and fantasydm, sorry for scaring you. The ivf cost is before medisave deduction. Actually, my first fresh cost was still manageable, about 13k-14k. It is the second fresh that cost alot as I was on saizen for 3 months and on the highest stimulation dosage (saizen, gonal f and menopur). Everytime they swiped my card for payment, I will hold my breath till the receptionist said, ok, you haven't burst your card. *sweat* Till now, I still dare not calculate the total cost but should be around 20k-25k, and I haven't added in the tcm cost too. Ouch!