MediSave for Dental Treatments

Did you know that you can use MediSave to pay for certain dental treatments?
MediSave is a national savings scheme that can be used to pay for medical expenses, including dental care.

Smilepoint is a CPF Medisave-accredited dental clinic for dental surgery

Singapore citizens and permanent residents can claim part of their surgical expenses from their CPF Medisave Account when undergoing dental surgeries at Smilepoint Dental.

CPF MediSave Dental Claim – Who Is Eligible?

MediSave is meant to help you save for your personal or approved dependant’s healthcare expenses incurred in any of the participating medical institutions (MIs) under the MediSave Scheme.

What if I do not have enough MediSave to pay for my outpatient treatment expenses?

If you do not have sufficient MediSave for your outpatient treatment expenses, you may consider tapping on one or more of your approved dependants’ MediSave. Approved dependants refer to your spouse, children, parents, grandchildren and siblings. You must be a Singapore Citizen or Permanent Resident if you wish to tap on your grandchildren or sibling’s MediSave.

While you can tap on your approved dependants’ MediSave, the amount you can use is subject to the MediSave withdrawal limits, which is applied on a per patient basis regardless of the number of payers. If you still have outstanding medical expenses after utilising up to the MediSave withdrawal limit, you would have to pay the remainder in cash.

Dr Mark explaining different shades of teeth

Can I use MediSave for dental treatments?

Yes, you can use MediSave to pay for certain dental surgeries. However, there are some restrictions on what types of dental procedures are eligible for MediSave claims.

In general, MediSave can be used to pay for dental surgeries that are performed for medical reasons. This includes procedures such as:

MediSave can be used to pay for surgical procedures such as:

Dental implants
Wisdom tooth surgery
Peri-radicular (root) surgery
Gum surgery (Frenectomy)
Crown lengthening
Bone grafting
Gum grafting
Biopsy

Wisdom tooth surgery and MediSave Claim

Wisdom tooth surgery is a procedure to remove impacted wisdom teeth. Impacted wisdom teeth are wisdom teeth that are unable to erupt fully through the gums.

Smilepoint Dental is a CPF Medisave-accredited clinic. You can use your MediSave savings to pay for the removal of your wisdom tooth incurred here,as long as it’s a surgical procedure.

You can find more up-to-date information about MediSave with wisdom tooth surgery on the CPF Board website.

Withdrawal Limit?

1) Day surgery	Up to a maximum of $300 per day for daily hospital charges, including investigations, medicines and doctor’s attendance fees.
2) Operation	A fixed limit for operations ranging from $250 to $7,550 depending on the type of operations performed.

Dental Implant and MediSave Claim

Dental implants are devices that replace the roots of missing teeth. They are placed in the jawbone by surgery and can be used to support crowns, bridges, or dentures. Dental implants are a more natural and secure way to replace missing teeth than other methods, such as dentures or bridges.

Withdrawal Limit ?

Singapore citizens and permanent residents who have dental implants can claim a portion of the cost from their MediSave accounts. The MediSave withdrawal limits for dental implants vary depending on the type of implant and the cost of the procedure. The following are the current withdrawal limits:

Insertion of Dental Implants	Number of implant(s) inserted x $950 Operation limit of Table 2C
Removal of Dental Implants	Number of implant(s) removed x $450 Operation limit of Table 1C

For example, if you have to insert two dental implants, you can use up to $1,900 (2 x $950) for payment of your dental implants.

You can find more up-to-date information about MediSave withdrawal limits for dental implants on the CPF Board website.

MediSave for Dental Claims	Claim Amount
Insertion of Dental Implant(s) – 2C	Up to $950 per tooth
Removal of Dental Implant(s) – 1C	Up to $450 per tooth
Wisdom Tooth Surgery – Without the division of tooth
Single tooth /2 to 3 teeth /4 or more teeth	Up to $350/ Up to $1550 /Up to $2150
Wisdom Tooth Surgery – With the division of tooth
Single tooth /2 to 3 teeth /4 or more teeth	Up to $950/ Up to $1850 /Up to $2600
Guided Bone Regeneration 2C	Up to $950
Crown Lengthening – 1B	Up to $350
Surgical Consumables	Up to $300

Source: MediSave Table of Surgical Procedure (TOSP) by Ministry of Health (MOH)

Please Note: The actual MediSave dental claims for each procedure may differ depending on the complexity of the treatment and CPF Medisave’s final approval; therefore, these amounts are only given as guidelines for you to form a general overview. Contact Smilepoint Dental for more information.

Dental treatments that are NOT MediSave-claimable

MediSave cannot be used to pay for non-surgical dental treatments, including cosmetic or aesthetic treatments, as they are not considered to be a surgical or medical necessity.

The following dental treatments are NOT MediSave-claimable:

Tooth extraction
Non-surgical root canal treatment
Dental crowns
Dental bridges
Dentures
Braces (including Invisalign)
Teeth whitening

Note: For non-surgical treatments, you may be eligible for a subsidised rate if you have a CHAS/MG/PG card. Please check with your dentist for more information on the dental treatments available for CHAS subsidy.

How to use Medisave for payment?

Other dental clinics often collect the full cash amount before processing dental claims.

At Smilepoint Dental, we do not require patients to pay cash upfront. We simplify the process so that patients do not need to come up with cash upfront.

We understand that dental care can be expensive, and we want to make it as affordable as possible for our patients. That’s why we offer a variety of payment options, including financing and payment plans. We also work with most insurance companies to ensure that our patients receive the maximum possible coverage.

If you are looking for a dental clinic that will work with you to make your dental care affordable, then Smilepoint Dental is the right choice for you. Contact us today to schedule an appointment and learn more about our payment options.

You can find more up-to-date information on the CPF Board website.

These documents are required. Please provide the documents below at the time of or before surgery:

Original NRIC of
Patient

This needs to be sighted by witness/clinic staff

Medisave Claim
Statement

You need to have sufficient funds in your MediSave account

You can download these medical claims authorisation forms from the CPF website using your SINGPASS by logging onto your account or by going to any of the CPF offices and request a printout.

Original NRIC of
Medisave Account Holder

In the case of immediate family members, they must be either Singapore Citizens or Permanent residents (if the MediSave account holder is not the patient please provide proof of relationship i.e. marriage certificate, birth certificate).

It is important to note that not all dental surgeries are eligible for MediSave claims. If you have any questions about whether your dental treatment is eligible for MediSave, you should speak to our dentist.

Please ensure the following:

The printout should be dated within 1 month of the surgery
The printout should show clearly the IC number, name of the Medisave account holder & the current Medisave account balance
Soft copies in USB thumbdrive, and CDs are NOT ACCEPTED.
Emails on the day of surgery are also not accepted, the emails need to be sent 1 week before the surgery date to allow our business office time to verify the account. There is no available internet access in the clinic.

To ensure the privacy of patients, Smilepoint will not go into the patient’s account to check the balance.

After submission, the CPF board will inform the owner of the Medisave account in writing of the total amount taken out of the Medisave account.

Make sure to submit these documents before the surgery or else you will have to incur the full payment in cash or Nets.

For the Medisave dental claim, you should submit the documents within 5 working days to allow the use of Medisave. In this instance, consequently, the money can only be refunded in 3 weeks after Medisave approval & banking clearance. The Medisave account holder receives the refund in the form of a crossed cheque to the Medisave account holder’s name, you need to collect & sign it in person.

Besides that, Medisave can also be used to pay for certain dental services at dental clinics and medical institutions accredited by the Ministry of Health (MOH) and Central Provident Fund (CPF) Board. As a general guide, dental treatments that involve surgery and are performed due to medical reasons can be paid for using Medisave.

We also accept other indirect payment options

Baby Bonus Scheme CDA

Smilepoint is a Baby Bonus-approved institution. Therefore, funds from Child Development Accounts (CDAs) can be used for dental treatment for the child and their siblings.

AIA

Smilepoint at Holland Village is an AIA-accredited clinic. This means that patients with AIA Dental coverage can receive treatment at Smilepoint and be reimbursed by AIA.

CHAS

We are a CHAS-approved dental clinic. We accept valid Orange and Blue CHAS cards, or Merdeka and Pioneer Generation cards for CHAS dental subsidies.

Book Appointment

Smilepoint Dental provides professional, meticulous care, in-house specialists, and assistance with insurance claims for expats. Book an appointment with us today!

Book Now

Latest Updates

We provide useful information about oral health, dental procedures, and how to keep a healthy smile. Learn about oral health and get the smile you’ve always wanted!