Melissa Mok – Master Financial Consultant In Singapore
Melissa prides herself as an educator and facilitator for her clients.
Does Health Insurance in Singapore Cover Dental Care?
Good oral health is essential, but dental care in Singapore often comes with extra costs. A 2019 survey commissioned by the Singapore Dental Association revealed that nearly 90% of Singaporeans are concerned about rising dental care costs.
Understanding how health insurance and national schemes like MediSave cover dental treatments can help individuals manage these expenses effectively.
Learn more: Health Insurance In Singapore >>
Dental Coverage in Health Insurance Plans
Standard health insurance in Singapore usually provides little to no coverage for dental care. Since insurers classify dental treatments separately from medical procedures, they often exclude them from basic plans. Some comprehensive policies offer dental benefits, but they are less common and usually come with higher premiums.
MediSave: National Medical Savings Scheme
MediSave, Singapore’s national medical savings scheme, allows citizens and permanent residents to save for various healthcare needs. However, its application to dental care is limited. MediSave can be used for specific dental surgeries, such as:
- Surgical removal of wisdom teeth
- Dental implant surgeries
- Biopsies
Non-surgical procedures, including routine check-ups, fillings, and simple extractions, are not covered by MediSave. The withdrawal limits depend on the complexity of the procedure, with caps set to prevent excessive claims.
Learn more: Ministry of Health
Private Dental Insurance Options
Given the limited coverage through standard health insurance and MediSave, individuals often consider private dental insurance to manage dental expenses. These plans vary in coverage and cost, typically ranging from SGD 15 to over SGD 100 per month, depending on factors such as:
- Extent of coverage
- Inclusion of preventive care
- Coverage for major dental work
Private dental insurance can cover a range of treatments, from routine cleanings to more complex procedures like root canals and orthodontics.
Employer-Provided Dental Benefits
Many employers in Singapore offer dental benefits as part of their healthcare packages. These benefits can significantly reduce out-of-pocket expenses for employees. Coverage details vary by employer, so it’s essential to review the specific benefits provided under your employment contract.
Cost of Dental Procedures in Singapore
Dental care costs in Singapore can range from a few hundred to several thousand dollars, depending on the procedure. For instance, a simple tooth extraction may cost around SGD 100, while more complex procedures like dental implants can cost upwards of SGD 4,000 per tooth.Â
These costs highlight the importance of having a financial plan for dental care. Source:Â MoneySmart
Find a Trusted Financial Consultant For Your Health Insurance Needs
In Singapore, dental care requires careful financial planning since standard health insurance and MediSave offer limited coverage. Exploring private dental insurance and employer-provided benefits can help manage costs effectively.
Finding the right financial expert is key to successful financial planning. We partner with experienced financial consultants to provide valuable insights for our readers. Learn more about them below.
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This article is informative only and is not intended to be a substitute for professional medical advice, diagnosis, or treatment, and should never be relied upon for specific medical advice.