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Worried about the cost of dental care in Singapore? We understand the importance of keeping dental treatments in Singapore affordable for everyone. At Dental Designs Clinic, we make it simple for you to understand how you can use MediSave for dental treatments to lower your expenses.
We are a MediSave-accredited and CHAS-accredited clinic. We have a total of three branches; two in the Central Business District (CBD) region and one in the heart of Singapore, Orchard. This makes dental care accessible to busy professionals and residents alike.
This guide explains what you need to know about utilising MediSave for dental treatments. Can we use MediSave to offset treatments such as dental implants, root canal treatments, dental crowns and wisdom tooth surgery? Read on to find out more.
What Is MediSave?
MediSave is a government savings scheme for Singapore citizens and permanent resident. A portion of their income is set aside for future medical expenses. MediSave can be utilised for medical as well as dental treatments.
When it comes to dental treatments, MediSave can only be used to offset the cost of approved procedures such as dental surgeries and selected medically-necessary treatments. There are guidelines set by the Ministry of Health (MOH) which subject dental procedures to specific eligibility criteria.
Can I Use MediSave For Dental Treatments?
According to the Central Provident Fund (CPF) Board, MediSave can only be used for surgical dental treatments or medically necessary dental procedures. Any dental procedures involving day surgeries are also subject to MediSave withdrawal limits.
This means that routine, non-surgical treatments such as teeth cleaning, dental fillings, simple tooth extractions, dental crowns, dentures, and teeth straightening (orthodontic) treatments such asdental braces and Invisalign are not covered under MediSave.
For senior citizens aged 60 and above, the Flexi-MediSave scheme has been expanded for them to include permanent crowns and root canal treatments. This is effective as of 1 June 2026, with a limit of up to $400 per year. It gives eligible seniors more flexibility in using their MediSave savings for non-surgical and essential restorative dental care. Find out more here.
What Can MediSave Be Used For?
MediSave can be used only for surgical and medically necessary treatments. It can be used to partially or fully offset the cost of dental procedures, such as:
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Surgical removal of wisdom tooth: This includes impacted wisdom tooth extraction and complex wisdom tooth surgeries. This does not include standard non-surgical tooth extractions.
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Insertion of dental implants: The dental implant procedure involves multiple phases. MediSave can only be utilised during the appointment involving surgical placement of dental implant fixture.
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Removal of dental implants
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Sinus lift procedures
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Bone grafting
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Gum grafting
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Gum surgery (such as frenectomy)
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Oral surgeries, cyst removal, lesion biopsies
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Corrective jaw surgery or jaw cyst removal
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Surgical removal of retained roots
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Surgical removal of fractured teeth
The dentists at Dental Designs Clinic are MOH-accredited to perform MediSave-approved procedures in a comfortable, modern environment. Click here to explore our team of dentists and specialists.
What Dental Treatments Are Not Covered By MediSave?
While MediSave is helpful in offsetting the cost of approved dental treatments, everyday dental care that doesn’t involve surgery is usually not eligible, such as:
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Scaling and polishing
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Dental fillings
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Simple tooth removals or non-surgical extractions
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Dentures
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Dental crowns and bridges (non-surgical)
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Teeth straightening/Orthodontic treatments like dental braces and Invisalign
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Teeth whitening and other aesthetic treatments
How Much MediSave Can I Use?
The amount that can be claimed depends on various factors, such as the type of dental procedure and withdrawal limits. This is typically determined after a consultation, thorough oral examination and dental x-rays (if required) are done to create your personalised treatment plan.
After the assessment, your dentist will be able to explain which procedure is MediSave-claimable, which is not, and to advise you on the estimated out-of-pocket costs before the treatment begins.
How To Make A MediSave Claim For My Dental Treatment?
Here’s an easy, step-by-step guide:
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Choose an MOH-accredited clinic: All our dentists at Dental Designs Clinic are fully MOH-accredited, so you can utilise Medisave for approved dental treatments with confidence.
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Book a consultation: Schedule a checkup appointment with our dentists. During this appointment, they will assess your condition, and provide a personalised treatment plan. They will also be able to advise you if the treatment you require qualifies for MediSave.
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Bring your NRIC and inform us: On the day of your treatment, bring your NRIC on the day of treatment and let us know in advance that you want to use MediSave. This helps us prepare everything smoothly.
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Sign the Medical Claims Authorisation Form (MCAF): This form provides the clinic permission to deduct the approved amount from your MediSave account. It is signed on the day of the treatment appointment.
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Submission of claims and payment of remaining balance: After the treatment, our team will submit the claim directly to CPF on your behalf. Any remaining payment amount will have to be paid out-of-pocket.
What Happens If My MediSave Is Not Enough?
If your MediSave account doesn’t have sufficient funds, you may still be able to:
- Use the account of an immediate family member, with their consent
- Apply for additional subsidies if you qualify under the Community Health Assist Scheme (CHAS). The subsidy amount depends on your card type and eligibility.
- Explore other financial assistance options available at public healthcare institutions
Contact us for a clear price breakdown and to check your eligibility.
Related Articles
Can Family Members Use Their MediSave To Help?
Yes. If your MediSave balance is insufficient, eligible immediate family members (such as your spouse, parents, children, or siblings) may use their MediSave to help cover the cost, subject to CPF's prevailing rules and their consent. They will need to provide consent and meet the relevant eligibility criteria.
MediSave For Dental: Why Choose Dental Designs Clinic?
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MOH-Accredited & MediSave-Approved: Safe, reliable claims process with a team of MediSave-accredited dentists and dental specialists.
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Prime CBD Locations: Convenient branches in Raffles Place, Telok Ayer, and Orchard, ideal for busy professionals as well as residents.
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Transparent Pricing: Clear cost breakdowns during your consultation.
Conclusion
MediSave for dental procedures is an optimal way to reduce the cost of surgical dental treatments in Singapore. With the Flexi-MediSave expansion in 2026, even more options are available for seniors.
At Dental Designs Clinic, we’re here to make the process simple and transparent. Whether you need dental implants, wisdom tooth surgery, or just want clarity on your options, our team is ready to help you achieve good oral health without financial stress.
Feel free to leave us a message!
Frequently Asked Questions On MediSave For Dental Treatments
Q) What if my MediSave isn’t enough?
You can pay the remaining balance yourself, or use an immediate family member’s MediSave to help cover the cost. This is subject to sufficient balance and their consent.
Q) Is root canal treatment covered by MediSave?
Standard MediSave generally does not cover routine root canal treatment. However, effective from 1 June 2026, eligible seniors aged 60 and above can use Flexi-MediSave (up to the annual withdrawal limit of $400) for approved root canal treatment at eligible clinics.
Q) Are dental crowns covered by MediSave?
No, dental crowns are non-surgical procedure and therefore not covered by MediSave. However, eligible seniors aged 60 and above can use Flexi-MediSave for permanent dental crowns at eligible clinics from 1 June 2026.
Q) Can I claim MediSave for braces or Invisalign?
No. Orthodontic treatments like dental braces and Invisalign are not considered as surgical dental treatments nor medically necessary by MOH. So, MediSave cannot be use for dental braces and Invisalign.
Q) Is tooth extraction covered by MediSave?
Only surgical extractions (e.g., impacted or complex cases) qualify. Simple extractions are non-surgical procedures and is not MediSave-claimable. CHAS subsidies may be applicable, depending on your eligibility.
Q) Can MediSave be used for regular checkups and cleanings?
No. MediSave is limited to medically necessary and surgical dental procedures only. Essential dental procedures such as regular checkups and teeth cleanings are not MediSave-claimable. CHAS subsidies may be applicable, depending on your eligibility.
