Insurance For IVF – When it comes to navigating complex and emotionally charged medical journeys like IVF, having the right financial guidance can make all the difference. We sat down with Melissa Mok, a Master Financial Consultant in Singapore, to discuss a recent case where she helped a client manage a $130,000 bill from a private hospital – ensuring that her client paid as little out of pocket as possible.
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In Conversation With Melissa Mok, Master Financial Consultant, On How She Helped A Client With Her Insurance For IVF Costs
Q: Melissa, can you tell us a bit about this case relating to insurance for IVF, and how it started?
Melissa: My client reached out during her IVF journey because she was unsure about what parts of the process would be covered under her medical insurance. IVF, as many know, is not claimable under personal health insurance as it’s considered elective. But during our discussions, I found out she was undergoing some procedures due to underlying medical conditions like endometriosis and cervical polyps—both of which can impact fertility and are medically necessary.
Q: That’s quite a critical distinction. How did you help her navigate this?
Melissa: It was important to clarify what her insurance could and couldn’t cover. We worked closely with her doctor, who recommended a hysteroscopy and laparoscopy—both medically indicated procedures. From there, I guided her on how to present her case, ensuring the claims were framed around the treatment of these health issues rather than the fertility journey itself.
Q: What were the challenges regarding claiming insurance for IVF, and how did you work around them?
Melissa: There were quite a few. Firstly, she didn’t have a rider attached to her Shield plan, which meant she was subject to both a deductible and co-insurance. Secondly, she was a foreigner, so she wasn’t eligible for a Letter of Guarantee (LOG) under her personal insurance policy. In Singapore, LOGs under personal insurance plans are not issued to foreigners—they’re only available via corporate insurance.
Another complication regarding her insurance claims for IVF, was that her doctor wasn’t on any insurance panel, so we couldn’t do pre-authorisation either. That meant she had to pay upfront, and we had to file the claims manually post-treatment.
Q: How did you help her minimise her out-of-pocket costs then?
Melissa: The key was leveraging both her corporate and personal insurance policies. We carefully reviewed her corporate policy to check the coverage limits and co-payment terms. From there, I helped coordinate the claims process across both policies, ensuring that the corporate insurer picked up the shortfall wherever possible.
This helped reduce the financial stress significantly, even though the total bill was close to $130,000.
Q: That’s impressive. What’s your advice for others in similar situations or wondering about insurance for IVF?
Melissa: Always speak to a financial advisor before undergoing major medical procedures—especially ones involving private hospitals and specialist treatments. When it comes to insurance for IVF, many people don’t realise how much complexity there is in claim eligibility, especially with procedures related to fertility or chronic health issues.
Even if a treatment isn’t directly covered, the underlying medical condition might be. And the structure of your policy—whether it’s individual or corporate, whether you have a rider, whether the doctor is on a panel—these all play a major role in how much you end up paying.
Why Having A Good Financial Advisor Matters
Medical costs in Singapore, particularly in private hospitals, can be overwhelming without proper planning. A qualified financial advisor does more than recommend policies—they provide clarity, strategic advice, and active support throughout your healthcare journey. From understanding claim criteria to navigating documentation and timelines, a good advisor helps you maximise your coverage while minimising stress.
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Be Financially Prepared For Life’s Challenges
Your health and financial stability go hand in hand. Don’t wait until a crisis to understand your insurance. Ensure you’re adequately protected with the right coverage and guidance. If you are looking to speak to a financial advisor, you can consider Melissa Mok, Master Financial Consultant in Singapore.
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Disclaimer: 365Asia aims to provide accurate and up-to-date information, our contents do not constitute medical or any professional advice. If medical advice is required, please consult a licensed healthcare professional. Patient stories are for general reading. They are based on third-party information and have not been independently verified.