Compulsory Neo-natal Insurance for IVF
- Louis Ng asked whether neo-natal insurance for IVF should be made compulsory at the point of a positive pregnancy test rather than at embryo transfer.
- The Ministry of Health explained that requiring insurance at IVF enrollment keeps premiums affordable due to a larger risk pool, while deferring it to pregnancy could raise premiums due to a smaller risk pool.
- The Ministry is currently reviewing the policy but did not specify a timeframe.
- Only one insurance provider (Great Eastern) offers the neo-natal insurance, and the Ministry sees no need for more providers due to the small policy pool, though it will review this if necessary.