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Protect Your Smile with Comprehensive Dental Insurance in Singapore
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What is Dental Insurance?
Dental insurance is a type of health insurance specifically designed to cover dental care expenses. It helps reduce the cost of routine dental check-ups, treatments, and emergency procedures, making essential care more affordable. Depending on the plan, dental insurance in Singapore can cover preventive services like cleanings, as well as more complex procedures such as fillings, crowns, and even orthodontics. By investing in dental insurance, you can ensure that you and your family receive quality dental care while managing out-of-pocket costs effectively.
Why is Dental Insurance Important?
Key Benefits of Having Dental Insurance
Dental insurance provides essential support for maintaining oral health, offering several valuable benefits:
Affordable Access to Preventive Care
Routine check-ups and cleanings become more affordable, encouraging regular dental visits and helping prevent serious dental issues.
Reduced Out-of-Pocket Costs
Dental insurance in Singapore helps cover the costs of procedures like fillings, crowns, and root canals, minimising financial strain during necessary treatments.
Improved Oral and Overall Health
Regular dental care supported by insurance promotes early detection of issues, which can prevent complex and costly treatments down the road.
How to Choose Dental Insurance in Singapore
Key Factors to Consider When Selecting Dental Insurance
Coverage Options
Look for a plan that covers essential treatments, including preventive care, fillings, crowns, and emergency procedures. Comprehensive plans often provide better long-term value.
Cost and Premiums
Compare premiums, deductibles, and co-payments across different plans to find an option that fits your budget without sacrificing necessary coverage.
Network of Dental Clinics
Check if the insurance provider has a network of reputable clinics close to you, as this can simplify access to quality care.
Claim Process and Limitations
Review the claim procedures, reimbursement timelines, and any annual or lifetime limits on coverage to ensure ease and transparency.
Community Health Assist Scheme (CHAS)
Community Health Assist Scheme (CHAS)
The Community Health Assist Scheme (CHAS) is a government subsidy program designed to help Singaporeans and Permanent Residents manage their healthcare costs. It offers financial assistance for a wide range of healthcare services, including dental care.
Who is Eligible for CHAS Dental Subsidy?
Types of CHAS Cards
| CHAS Criteria | CHAS Green | CHAS Orange | CHAS Blue |
|---|---|---|---|
|
Household monthly income per person (for households with income) |
Above $2,000 |
$1,201 – $2,000 |
$1,200 and below |
|
Annual Value (AV) of home (for households with no income) |
Above $21,000 |
$13,001 – $21,000 |
$13,000 and below |
What dental services are subsidised under CHAS?
CHAS dental subsidies can be used to pay for a variety of dental services, including:
- Examinations
- Cleanings
- Fillings
- Extractions
- Root canals
- Crowns
- Bridges
- Dentures
- Implants
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How CHAS Dental Subsidy Scheme Works
- Check Eligibility: Ensure that you hold a valid CHAS card which determines the subsidy tier you’re entitled to.
- Find a CHAS-Accredited Dental Clinic: Locate a dental clinic that participates in the CHAS scheme, as not all dental care providers may be part of this initiative. Happy Teeth Family Dental is a participating dental provider for CHAS subsidies.
- Schedule an Appointment: Book an appointment for a qualifying dental service, and inform the clinic that you will be using your CHAS card.
- Present the CHAS Card: On the day of the appointment, present your CHAS card (available via digital format at Singpass mobile app) at the Reception. The dental clinic will verify your eligibility and apply the corresponding subsidy to the bill.
- Receive Treatment: Receive the necessary dental care, knowing that the CHAS subsidy has been applied to reduce the cost.
- Payment: Pay the remaining amount after the CHAS subsidy has been deducted.
CHAS Green Card is not applicable for any dental subsidies. Only holders of CHAS Orange, CHAS Blue, Pioneer Generation, and Merdeka Generation cards are eligible for the CHAS dental subsidies. The amount of subsidies will depend on the type of card you have.
Visit CHAS website for more updated information.
| Types of Treatments Available for Subsidy | CHAS Orange Subsidy | CHAS Blue Subsidy | Merdeka Generation (MG) Subsidy | Pioneer Generation (PG) Subsidy | Claim Limits |
|---|---|---|---|---|---|
|
Consultation |
- |
$20.50 |
$25.50 |
$30.50 |
Up to 2 consultations per calendar year* |
|
X-rays |
- |
$11 |
$16 |
$21 |
Up to 6 X-rays per calendar year |
|
Scaling and polishing
|
-
|
$50.50
|
$60.50
|
$70.50
|
Up to 2 scaling and 2 polishing per calendar year |
|
Fluoride
Treatment
|
- |
$20.50 |
$25.50 |
$30.50 |
Up to 2
topical
fluoride per
calendar year |
|
Fillings (simple)
|
- |
$30
|
$35
|
$40
|
Up to 6 fillings per calendar year**
|
|
Fillings
(complex)
|
-
|
$50
|
$55
|
$60
|
Up to 6 fillings per calendar year**
|
|
Dentures (partial) - less
than 6 teeth
|
$65.50
|
$98
|
$103 |
$108
|
Up to 1 upper and 1 lower denture per 3 calendar years**
|
|
Dentures (partial) - 6 or more teeth
|
$140
|
$210 |
$215 |
$220 |
Up to 1 upper and 1 lower denture per 3 calendar years**
|
|
Dentures
(complete) |
$170.50 |
$256.50 |
$261.50 |
$266.50 |
Up to 1 upper and 1 lower denture per 3 calendar years |
|
Simple teeth extraction (posterior)
|
-
|
$68.50
|
$73.50
|
$78.50
|
Up to 4 extractions per calendar year**
|
|
Simple teeth extraction (anterior)
|
-
|
$28.50 |
$33.50 |
$38.50 |
Up to 4 extractions per calendar year**
|
|
Root canal treatment (anterior)
|
$109.50
|
$164
|
$169
|
$174
|
Up to 2 root canal treatments per calendar year**
|
|
Root canal treatment (premolar)
|
$140
|
$210
|
$215
|
$220
|
Up to 2 root canal treatments per calendar year** |
|
Root canal treatment (molar)
|
$170.50
|
$256.50 |
$261.50
|
$266.50
|
Up to 2 root canal treatments per calendar year**
|
|
Permanent crown
|
$84.50 |
$127.50
|
$132.50
|
$137.50
|
Up to 4 permanent crowns per calendar year
|
* A six-month interval must be maintained between the two consultation claims within the calendar year. This only applies to initial consultations for newcomers or follow-up consultations in cases where the dentist proposes a new treatment strategy and performs a comprehensive oral inspection.
What is the Pioneer Generation or Merdeka Generation Package?
The Pioneer Generation Package is a scheme designed to assist Singaporeans, born on or before 31 December 1949, with lifelong healthcare and dental care costs. Pioneer Generation package provides even higher subsidies for dental treatments at participating CHAS dental clinics. The CHAS (Community Health Assist Scheme) card in Singapore does not cover all dental needs, but it does provide subsidies for a range of common dental procedures. The goal of the scheme is to make healthcare, including dental care, more accessible and affordable for Singaporeans, particularly those from lower- to middle-income households. At Happy Teeth Family Dental, patients with Pioneer Generation can enjoy subsidies ranging from $21 to $266.50 for certain dental procedures.
Likewise, the Merdeka Generation Package offers support to Singaporeans born between 1950 and 1959 to help reduce healthcare and dental care expenses. Patients recognized as part of the Merdeka Generation can benefit from subsidies ranging from $16 to $261.50 for selected dental treatments at Happy Teeth Family Dental.
Wondering if you’re eligible for the CHAS card and how it can benefit you? The Community Health Assist Scheme (CHAS) card is designed to provide subsidies for healthcare and dental care services. Let’s break down the eligibility criteria and benefits according to the different CHAS card tiers:
CHAS Blue and Orange Cards
These cards are meant for lower-to middle-income households, providing higher subsidies for dental treatments like scaling and polishing, fillings, extractions, and dentures. To qualify, your Household Monthly Income per Person should be $1,200 and below (Blue) or between $1,201 and $2,000 (Orange). Alternatively, the Annual Value (AV) of your home must be $13,000 and below (Blue) or between $13,001 and $21,000 (Orange).
CHAS Green Card
The Green tier is for those with a Household Monthly Income per Person above $2,000 or an Annual Value (AV) of Home above $21,000. This category offers moderate subsidies.
Here’s a general overview of what may be covered:
- Preventive Services: This might include procedures like scaling and polishing to prevent dental issues.
- Basic Dental Treatments: Common treatments such as fillings, extractions, and dentures may be covered.
- Selected Dental Procedures: Depending on the CHAS card tier (Blue or Orange), subsidies for specific dental treatments may be provided.
However, it’s essential to note that not all dental treatments and procedures will be covered by the CHAS card. More complex and elective treatments, such as cosmetic dentistry, orthodontic care, dental implants, or specialized surgeries, are typically not included in the subsidy scheme. If you have a CHAS card and are planning to undergo dental treatment, it’s advisable to consult with a CHAS accredited dental clinic like Happy Teeth Family Dental to understand what specific treatments are covered under your card tier and what the corresponding subsidies might be. This can help ensure that you make the most of the benefits available to you.
Is there a digital CHAS card?
New and existing CHAS cardholders aged 15 and above can automatically access the digital CHAS card in the ‘My Cards’ section of the Singpass app.
Medisave
Patients who are Singapore Citizens or Permanent Residents may be eligible to claim part of their surgical fees through their CPF Medisave account.
Medisave claims can only be used for dental surgical procedures, such as:
- Wisdom Tooth Surgery
- Dental Implants
- Surgical Removal of Retained Roots or Fractured Teeth
- Bone graft surgery
- Sinus lifts procedure,
- Gum Surgery e.g. Crown lengthening, Frenectomy
- Biopsy
If you do not have a Medisave account or if your balance is insufficient to cover the dental expenses, you can use the Medisave accounts of your immediate family members—such as your spouse, parents, siblings, or child.
Non-Eligible Dental Treatments
It’s important to note that Medisave cannot be used for non-surgical, cosmetic, or aesthetic dental treatments. These include:
- Tooth extractions that do not require surgery.
- Non-surgical root canal treatments.
- Orthodontics treatments, such as braces or Invisalign
- Prosthetic dentistry, including dental crowns, bridges, and Dentures.
How much MediSave can I use for dental procedures?
The amount you can claim from Medisave for dental surgeries depends on the surgery type, identified by special codes. After your surgery, your dentist will let you know how much you can claim, using guidelines from the Ministry of Health.
For more detailed information, you can look at the Ministry’s Table of Surgical Procedures.
| Medisave Claimable Dental Services | Claim Amount |
|---|---|
|
Wisdom Tooth Surgery – Single Tooth |
Up to $1,250 |
|
Wisdom Tooth Surgery – two to three Teeth |
Up to $2,150 |
|
Retained Root Removal |
Up to $1,250 |
|
Embedded Tooth Removal |
Up to $1,550
|
|
Surgical Exposure of Partially Buried Tooth |
Up to $750
|
|
Incision and Drainage for Abscess |
Up to $1,050 per tooth
|
|
Alveoplasty |
Up to $1,250
|
|
Dental Implant Insertion |
Up to $1,250 per implant
|
|
Dental Implant Removal |
Up to $750 per implant
|
|
Gingivectomy |
Up to $650 |
|
Crown Lengthening |
Up to $650 |
|
Removal of Salivary Gland |
Up to $650 |
How to Claim MediSave for Dental Treatments and Procedures
When scheduling your dental appointment at Happy Teeth Family Dental, our customer service team will inform you if your treatment qualifies for Medisave claims. It’s essential to bring your NRIC to the appointment for identity verification. Should you decide to utilize your Medisave funds, you’ll need to fill out a Medical Claims Authorisation Form, a crucial step in initiating the claim process.
On the day of your appointment, ensure you can confirm your Medisave balance either by logging into your Singpass account or by presenting a physical copy of your Medisave Statement of Account. This step is vital for verifying that you have adequate funds for the claim.
Following this verification, we’ll handle the submission of your Medisave claim. You will receive a Medisave Claims Statement once the deduction is processed, keeping you informed every step of the way.
What happens if my Medisave is not enough?
If your Medisave account does not contain enough to cover the eligible amount for the dental procedure, you will be expected to pay the full cost of the surgery in advance.
For example, consider a situation where the surgery is priced at $2,000, but you only have $800 in your Medisave account. In this scenario, you must pay the $2,000 upfront. The clinic will then proceed with the Medisave claim process for the $800. Once the claim is processed and the $800 is deducted from your Medisave account, the clinic will refund you $800 by issuing a cheque in your name.
You also have the possibility of having an immediate family member use their Medisave to contribute towards your dental expenses. However, it’s crucial to note that such claims are still subject to the predefined Medisave withdrawal limits and must be approved.
Is a root canal procedure covered by Medisave?
No, root canal treatments are not eligible for Medisave claims. This is because the Ministry of Health does not classify root canal work as a surgical procedure.
Can I claim Medisave for getting braces?
No, Medisave does not cover braces or any orthodontic treatments. These procedures are not deemed surgical and are generally categorized under cosmetic treatments, making them ineligible for Medisave claims
Is tooth extraction covered by Medisave?
This varies depending on the nature of the extraction. Surgical tooth extractions are eligible for Medisave claims. However, extractions that don’t require surgery do not qualify for Medisave coverage.
Are dental procedures eligible for Medisave?
Yes, Medisave can be utilized for specific dental surgeries, including but not limited to wisdom tooth removal and the insertion of dental implants. Non-surgical dental treatments, including braces, do not qualify for Medisave claims. For detailed information, please consult the Ministry of Health’s list of surgical procedures that qualify for Medisave.
Can Medisave be used for non-surgical dental treatments?
Medisave coverage extends only to dental treatments that are surgical and medically necessary, as outlined by the CPF Board. For individuals holding a CHAS card, certain non-surgical dental treatments may be available at a subsidized rate. For a comprehensive list of treatments eligible for CHAS subsidy, please check our detailed guide.
What is the maximum amount I can claim from Medisave for dental procedures?
The claimable amount from Medisave for dental procedures is determined by the specific surgical codes assigned to the procedure performed. Your dentist will provide an estimate of the claimable amount based on the Ministry of Health’s predetermined withdrawal limits after the completion of the surgery. For precise details, the Table of Surgical Procedures is available for reference.
Baby Bonus/CDA
The CDA is a unique savings account for Singaporean children. By opening a CDA with DBS/POSB, OCBC, or UOB, your child immediately receives the CDA First Step Grant and the government matches each dollar you deposit, up to a certain limit. You can contribute to and use this account until your child reaches 12 years old.
Using CDA Funds
You can use CDA money at places approved by the Baby Bonus Scheme. This includes:
- Childcare centres, kindergartens, and certain schools and programs.
- Medical bills at places like hospitals, dental clinics and local GP clinics.
- MediShield Life or some private plans (if you top up cash to MediSave first).
- Gadgets to help with disabilities.
- Eye care items and services from optical shops.
- Selected health products from pharmacies
Happy Teeth Family Dental is a recognized medical institution under the Baby Bonus Scheme. As such, you can utilize the funds from your child’s CDA to cover dental expenses.
FAQs
What should I carry for my child's dental appointment?
For your child’s dental visit, please ensure you have:
- Patient’s ID (child’s birth certificate) for the initial visit
- For follow-up visits at the same clinic, only the patient’s ID is required for registration.
- Your NETS-CDA card to handle the bill payment.
How do I process payments using the Baby Bonus Dental Scheme at Happy Teeth Family Dental?
It’s simple! Just inform our front desk when making an appointment or upon arrival that you’d like to use funds from your child’s CDA. We’ll guide you through the quick and easy payment process.
Are Happy Teeth Family Dental clinic participating in the Baby Bonus Scheme?
Yes, our clinic are recognized under the Baby Bonus Scheme. You can use your child’s CDA funds for dental services at Happy Teeth Family.
Can I use the funds from my child’s CDA for all types of dental services at Happy Teeth Family Dental?
Generally, funds from the CDA can be used for a wide range of dental services for your child at Happy Teeth Family Dental. However, it’s always best to check with our front desk or your account provider for any specific exclusions or limitations.
Insurance Partners
We work with a range of trusted insurance agencies to make your dental care more accessible. Explore our partnerships to see how your insurance can help cover your treatment needs.
Dental Insurance FAQs
Do you accept dental insurance?
Yes, we accept many dental insurance plans. If you’re unsure whether we accept yours, please contact us, and we’ll be happy to check for you
What does my dental insurance cover?
Coverage varies by provider, policy, and treatment. We recommend checking with your insurance provider for details on your benefits. You can also contact us, and we’ll assist in verifying your coverage where possible.
How do I find out if my treatment is covered?
Do I have to pay anything out of pocket?
Do you submit insurance claims for me?
We submit claims for many insurance providers, but some may require you to file them yourself. Contact us to check whether we can submit claims on your behalf.
What if my insurance doesn’t cover the full cost?
If your insurance does not fully cover your treatment, we’ll inform you of the remaining balance due.
Do you accept Medisave or government dental subsidies?
Yes, we accept Medisave, CHAS, and the Baby Bonus Scheme for eligible procedures. Contact us to check if your treatment qualifies.
What if I don’t have dental insurance?
No problem! We offer self-pay options and may have payment plans available. Contact us to learn more.
Can I use multiple insurance plans?
Some patients have dual coverage through spouses or parents. If you have more than one plan, let us know, and we’ll help coordinate benefits where possible.
What if my claim is denied?
If your claim is denied, we can help you understand the reason and guide you on the next steps. You may need to contact your insurance provider for further clarification.
Brighten Your Smile Today
Expert care for healthy, confident teeth, conveniently located near Novena MRT, Newton MRT, Thomson Road, the IRAS Building, United Square Mall, Square 2, and Velocity Mall. Book your appointment now!