Maintaining good oral health can help make you feel confident, but the cost of dental care can quickly mount up, especially for complex treatments or orthodontic procedures (a dentistry speciality that focuses on aligning your bite).
Understanding your dental insurance options in Singapore helps you access quality dental care while keeping your expenses in check. From government schemes to private insurance plans, various coverage options cater to different needs and budgets.
What is dental insurance?
Dental insurance is a specialised healthcare coverage designed to help manage the costs associated with oral health maintenance and dental treatments. Unlike general medical insurance, dental coverage focuses specifically on preventive care, routine treatments, and various dental procedures that support optimal oral health.
In Singapore, dental insurance operates through multiple channels, including government-supported schemes, employer-provided benefits, and private insurance plans. These coverage options recognise that dental treatments can have substantial costs, particularly for complex procedures or orthodontic care.
Dental insurance typically covers a spectrum of services ranging from routine cleanings and check-ups to more complex treatments such as fillings, dental crowns, root canals, and surgical procedures. Some plans may also provide coverage for orthodontic treatments, cosmetic procedures, and specialised dental care necessitated by accidents or medical conditions.
The coverage operates on various models, including direct billing arrangements with dental providers, reimbursement systems where you need to pay upfront and claim expenses, or hybrid approaches that combine elements of both systems. Understanding how your specific coverage works helps you maximise benefits and minimise out-of-pocket expenses.
What does dental insurance cover?

A thorough dental insurance coverage encompasses various categories of dental care, each serving different aspects of oral health maintenance and treatment. Understanding these coverage categories maximises your benefits and allows you to plan your dental care needs effectively.
Preventive care
Most plans usually cover preventive dental care, including routine examinations and check-ups. These examinations typically involve a thorough assessment of your oral health, dental charting, and personalised recommendations for ongoing care. Coverage in this category tends to be the most generous, often with minimal or no co-payments required.
Dental cleanings and scaling procedures are generally fully covered in this category, as they play a crucial role in preventing gum disease and maintaining overall oral health. Many plans cover two cleanings per year, though some plans may provide coverage for more frequent cleanings for patients with specific oral health needs.
Restorative treatments
Restorative dental treatments address existing dental problems, helping to restore the normal function and appearance of damaged teeth. Coverage for these treatments varies significantly between different insurance plans and often involves co-payments or coverage limitations.
Dental fillings:
Dental fillings for treating cavities are one of the most commonly covered restorative treatments, though coverage levels may vary based on the type of filling material used.
Amalgam fillings typically receive higher coverage percentages than composite or aesthetic filling options.
Crown and bridge:
Crown and bridge work for severely damaged or missing teeth often receives partial coverage, though these treatments typically involve higher co-payments due to their complexity and cost.
Coverage may depend on whether the treatment is deemed to be for medical reasons or for cosmetic enhancement.
Root canal treatments:
Root canal treatments for infected or severely damaged teeth are generally covered under restorative care, though coverage levels vary and may require pre-authorisation from the insurance provider.
These treatments are typically considered medically necessary to preserve natural teeth and prevent more serious complications.
Dentures:
Dentures and partial dentures for replacing missing teeth may be covered under restorative care, particularly for patients who have lost teeth due to injury, disease, or medical conditions.
Coverage often includes both the initial fitting and subsequent adjustments or repairs.
Surgical procedure
Surgical dental procedures encompass more complex treatments that may be required for serious dental conditions, injuries, or medical necessities. Coverage for surgical procedures often requires pre-authorisation and may involve higher co-payments than routine treatments.
Tooth extractions, both simple and surgical, are typically covered when medically necessary, though coverage for wisdom tooth removal may depend on whether the procedure is deemed necessary or preventive. Emergency extractions due to infection or trauma generally receive full coverage consideration.
Oral surgery procedures, such as jaw surgery or treatment of oral cancers, may be covered under some dental plans, though these treatments often require specialist referrals and extensive pre-authorisation processes.
Periodontal surgery for treating advanced gum disease, including pocket reduction procedures and gum grafts, may be covered when medically necessary to preserve oral health and prevent tooth loss. These treatments often require documentation of failed conservative treatment attempts.
Dental implant procedures may be covered under some comprehensive plans, particularly when implants are required due to injury or medical conditions rather than general tooth loss. Coverage for implants varies significantly between plans and often involves substantial co-payments.
Orthodontic treatments
Orthodontic coverage addresses treatments designed to correct tooth alignment, bite problems, and jaw positioning issues. This category often has specific limitations, waiting periods, and lifetime maximum benefits that differ from other dental coverage categories.
Traditional braces for correcting significant bite problems or severe misalignment are often covered under a more thorough plan, particularly for children and adolescents. Adult orthodontic coverage might be more restricted and frequently necessitates proof of medical necessity, not just cosmetic enhancement.
Clear aligner treatments such as Invisalign may be covered under some plans, though coverage levels often differ from traditional braces and may involve higher co-payments or more restrictive eligibility criteria.
Orthodontic coverage typically includes ongoing adjustments, monitoring visits and retention devices necessary for maintaining braces or clear aligners. However, replacement of lost or damaged orthodontic appliances may involve additional costs not covered by insurance.
Pre-orthodontic treatments such as palatal expanders or space maintainers for children may be covered when deemed medically necessary to support proper dental development and prevent more complex orthodontic problems in the future.
If you wish to undergo dental treatment but are unsure whether your insurance covers the treatment you need, please contact our medical concierge services for further information.
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What are the different types of dental insurance?
Singapore offers multiple dental insurance options through government schemes, private insurance providers, and employer-sponsored plans. Understanding these different coverage types helps you choose the most appropriate option for your specific needs and circumstances.
MediSave for dental treatments
MediSave provides coverage for specific dental treatments through Singapore's mandatory healthcare savings scheme, focusing primarily on medically necessary procedures rather than routine maintenance or cosmetic treatments. This coverage forms part of the broader healthcare framework designed to ensure essential medical care accessibility.
Eligible dental procedures under MediSave include surgical extractions, treatment of oral cancer, corrective jaw surgery, and other complex procedures deemed medically necessary. These treatments typically require specialist referrals and must meet specific medical criteria to qualify for MediSave coverage.
The coverage operates through approved healthcare providers and involves specific claim limits and procedures that patients must follow to access benefits. Understanding these requirements helps ensure proper coverage access when eligible treatments are needed.
MediSave coverage for dental treatments often requires pre-authorisation and documentation of medical necessity, distinguishing between treatments required for health reasons versus those sought for cosmetic or convenience purposes.
MediShield Life and dental care
MediShield Life, Singapore's basic universal health insurance, provides limited coverage for dental treatments, primarily focusing on emergency procedures and medically necessary treatments that may be required due to accidents or serious medical conditions.
Emergency dental treatments resulting from accidents or trauma may be covered under MediShield Life's emergency care provisions, particularly when immediate treatment is required to address serious medical complications or prevent further health deterioration.
Dental treatments that are integral to other covered medical procedures, such as dental work required before radiation therapy or treatments necessary due to medication side effects, may receive coverage consideration under the broader medical treatment framework.
The coverage operates within public healthcare facilities and follows the same co-payment and deductible structures as other MediShield Life benefits, making it accessible but potentially limited in scope compared to dedicated dental insurance plans.
Private dental insurance plan
Private dental insurance plans offer the most thorough coverage options, providing flexibility in provider choice, treatment options, and coverage levels that extend well beyond government scheme limitations. These plans cater to individuals seeking enhanced dental care options and broader coverage scope.
Comprehensive private plans usually pay for regular check-ups, repairs, and surgeries, and they might also cover braces with different levels of benefits and co-payments. These plans often provide annual benefit maximums and may include waiting periods for certain treatments.
Premium private dental plans may include coverage for cosmetic procedures, advanced treatment options, and access to specialist dental providers that may not be available through government schemes. These enhanced options come with correspondingly higher premium costs.
Private plans often feature direct billing arrangements with network dental providers, reducing upfront payment requirements and simplifying the claims process for covered treatments. Some plans also offer global coverage for emergency dental care while travelling.
Employee benefits and corporate plans
Many employers in Singapore provide dental coverage as part of comprehensive employee benefit packages, offering group insurance rates and often more generous coverage than individual plans. These benefits recognise dental health as an important component of overall employee wellbeing.
Corporate dental plans typically provide coverage for employees and may extend benefits to family members, offering convenient access to dental care through employer-negotiated rates and simplified administration processes.
Group coverage often includes preventive care and basic restorative treatments and may include more extensive benefits for senior employees or management positions. The coverage details vary significantly between employers and may be enhanced through voluntary additional coverage options.
Employee dental benefits may include access to specific dental provider networks, direct billing arrangements, and simplified claims processes that make accessing care more convenient than individual insurance plans.
For further information about which dental insurance type is suitable for your specific needs, contact our medical concierge services for further consultation.
How much does dental insurance cost?
The cost of dental insurance in Singapore varies considerably based on coverage scope, provider choice, age factors, and specific benefit selections. Understanding these cost factors helps in budgeting for dental insurance and comparing different coverage options effectively.
It is best to directly consult your insurance providers on the cost of the dental insurance plans and how different tiers of coverage may vary in price.
Complementing your dental insurance

Although dental insurance provides essential financial protection, partnering with dental providers ensures optimal oral health outcomes and makes the most of your coverage investment.
At Thomson Dental Care, we provide dental services that seamlessly integrate with a variety of insurance plans. We focus on preventive care, early intervention, and patient education to maximise health outcomes and insurance benefits.
Our dentists work closely with insurance providers to facilitate direct billing arrangements, pre-authorisation processes, and treatment planning that optimises coverage benefits while ensuring you receive the necessary care. This collaborative approach minimises administrative burdens and helps you understand your coverage options clearly.
Our diagnostic services include dental X-rays, intraoral cameras, and oral health assessments. These tools can help identify potential dental issues at an earlier stage, when treatment options are less invasive and more cost-effective.
Our treatment planning takes into account both immediate dental needs and long-term oral health. Patients are supported with information to make decisions about their care, including cost estimates and an explanation of insurance coverage before treatment begins.
Where specialised care is needed, you may be referred to orthodontists, oral surgeons, or other dental professionals. This ensures that more complex conditions can be managed appropriately in collaboration with trusted partners.
FAQ
Is dental covered by AIA insurance?
AIA offers various health insurance plans in Singapore, some of which include dental coverage as part of comprehensive health insurance packages or as optional riders that can be added to basic health policies.
The extent of dental coverage varies significantly between different AIA plans and policy configurations. It is best to directly contact AIA and ask them about their dental coverages.
Is dental insurance mandatory in Singapore?
Dental insurance is not mandatory in Singapore, unlike MediShield Life which provides basic health insurance coverage for all residents. Individuals are free to choose whether to purchase dental insurance based on their personal circumstances, dental health needs, and financial preferences.
Can you claim insurance for dental?
Yes, dental treatments can be claimed through insurance provided you have appropriate dental coverage, whether through private dental insurance, employer-provided benefits, or government schemes that include dental provisions. The claimability depends on your specific coverage and the type of treatment received.
Can I use a CHAS card for dental?
Community Health Assist Scheme (CHAS) cards provide subsidised healthcare access for Singaporean citizens, including basic dental services at participating dental clinics. CHAS cardholders can access subsidised dental care based on their household income and CHAS tier level.
CHAS Orange and Blue cardholders can receive subsidies for basic dental treatments, including consultations, cleanings, fillings, and extractions at participating private dental practices. The subsidy amounts vary based on the specific treatment and CHAS tier level.
To use CHAS benefits for dental care, you need to visit CHAS-registered dental providers and present your valid CHAS card during treatment. The subsidies are typically applied directly at the point of care, reducing the immediate out-of-pocket expenses.
CHAS dental benefits have annual limits and may not cover all types of dental treatments, with coverage typically focusing on basic dental care rather than cosmetic procedures or advanced treatments. You should verify coverage details and annual limits before seeking treatment.
How to get a subsidy for dental?
Several subsidy programmes are available in Singapore to help make dental care more affordable, particularly for lower-income residents and vulnerable populations. Understanding these options helps ensure access to necessary dental care regardless of financial circumstances.
Community Health Assist Scheme (CHAS):
CHAS provides the most comprehensive dental subsidies for eligible Singaporean citizens based on household income levels.
Eligible residents can apply for CHAS cards through community centres or online platforms, with subsidies applied directly when visiting participating dental providers.
Pioneer generation and Merdeka generation:
Pioneer Generation and Merdeka Generation schemes provide additional healthcare subsidies for eligible seniors, including enhanced dental care subsidies that can be combined with CHAS benefits.
These programmes recognise the specific healthcare needs of Singapore's founding generations.
Polyclinic subsidies:
Polyclinics offer subsidised dental care for Singaporean citizens and permanent residents, with fees determined by income assessment and subsidy eligibility.
These services focus on basic dental care and emergency treatments at significantly reduced costs compared to private dental providers.
School dental programmes:
School dental programmes provide subsidised dental care for students, with regular screenings and basic treatments available through school-based dental services.
These programmes emphasise preventive care and early intervention to promote lifelong oral health habits.
Disclaimer: The information provided is intended for general guidance only and should not be considered medical or financial advice. For personalised recommendations and tailored advice on pricing and services, contact us at Thomson Medical today.
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