MediSave Claims for Dental Treatments in Singapore
Medically reviewed by Dr Tan Wei Chong, BDent (Hons)
Last reviewed [July 2026]
In Singapore, MediSave, a national medical savings scheme, offers support for eligible dental treatments. This includes specific procedures like dental implants and wisdom tooth surgery, helping manage associated costs. Understanding MediSave dental claim processes can assist individuals in utilising a portion of their savings for necessary oral healthcare.
What is MediSave?
MediSave is a national medical savings scheme in Singapore designed to help residents manage their healthcare expenses, including certain dental procedures. It allows individuals to set aside a portion of their monthly income, which can then be utilised to cover eligible dental treatments for themselves or approved dependents. This mechanism can reduce out-of-pocket expenses for medically necessary procedures.
For dental care, MediSave dental claim applications are typically applicable to surgical treatments such as dental implants and wisdom tooth surgery. It is also important to note that specific MediSave withdrawal limits are in place for these procedures. These limits are designed to ensure sufficient savings remain for future healthcare needs, while still enabling individuals to claim for eligible dental procedures.
Who Can Use MediSave for Dental Treatment?
MediSave claims can be used for your own approved dental procedures and for certain treatments for your dependents. Approved dependents include your spouse, parents, grandparents, siblings, and children. While dependents of any nationality are generally covered, grandparents and siblings must be Singapore Citizens or Permanent Residents to qualify.
Who Can Use Flexi-Medisave for Dental Treatment?
Starting from 1st June 2026, the Flexi-MediSave scheme has been extended to permanent crowns and root canal treatment procedures. Singapore citizens and Permanent Residents aged 60 and above can claim up to $400 per patient per year, from their own or their spouse’s MediSave Accounts (who are also aged 60 and above) to pay for permanent crown and root canal treatment procedures.
Dental Procedures Covered by MediSave
MediSave claims primarily cover dental surgeries, and some of these include:
MediSave for Dental Implant Surgery
MediSave can cover claims for dental implants to replace teeth lost due to injury, decay, or other issues, restoring your dental function and aesthetics.
MediSave for Wisdom Tooth Surgery
Wisdom tooth surgery prevents your impacted molars from causing complications like pain, infection, and damage to adjacent teeth. Fortunately, MediSave covers this procedure.
MediSave for Other Surgeries
Other dental treatments eligible for MediSave claims include:
- Gum surgery
- Bone or gum grafting
- Sinus lift
- Crown lengtheningÂ
- Surgical removal of retained roots or fractured teeth
- Oral biopsy and surgical removal of oral cysts or growths
The claimable amount for each procedure depends on the surgical code assigned under the Ministry of Health’s (MOH) Table of Surgical Procedures. While the claimable amount can be estimated to be up to S$5,290, your dentist will confirm the applicable amount after assessment
Dental Procedures Not Covered by MediSave
While MediSave provides coverage for various dental procedures, claims do not apply to the treatments below:
- Dentures
- Crowns and bridges
- Simple tooth extraction
- Teeth scaling and polishing
- Braces or aligners
- Non-surgical root canal treatment at the clinic
MediSave Claim Amounts for Dental Surgeries
The amount you can claim from MediSave for dental treatments varies based on the complexity and type of the procedure:
Dental Procedure | Maximum Claim Amount |
Dental Implant Insertion | Up to S$1,120/tooth |
Dental Implant Removal | Up to S$490/tooth |
Wisdom Tooth Surgery | Fixed limit ranging from S$240 to S$5,290 depending on the type of operations performed |
Guided Bone Regeneration | Fixed limit of S$1,120 |
Crown Lengthening | Fixed limit of S$490 |
Sinus Lifting Surgery | Fixed limit of S$1,390 |
Retained Root Removal | Up to S$1,120 |
Embedded Tooth Removal | Up to S$1,740 |
Surgical Consumables | S$830 per visit |
For instance, wisdom tooth surgery costs at TWC Dental range from S$650 to S$1,950. The claimable MediSave amount may offset a portion of the surgical fee, depending on the complexity of the procedure and the applicable surgical code.
Worked Example: Claiming MediSave for a Dental Implant
The table below shows how a MediSave dental claim applies to a typical single-tooth implant procedure at one of our clinics. Figures are illustrative only.
Detail | Amount |
Implant Fixture Placement (Surgical) | S$1,950 |
Abutment and Crown | S$1,050 |
Total Treatment Fee (Illustrative Only) | S$3,000 |
Less: MediSave Claim for Dental Implant Insertion | (S$1,120) |
Less: MediSave Claim for Surgical Consumables | (S$830) |
Total MediSave Claim | (S$1,950) |
Estimated Balance Payable | S$1,050 |
*The figures above are illustrative only. Actual treatment fees, claimable amounts, and out-of-pocket costs depend on the complexity of your individual case and are subject to final CPF Board approval. A clinical assessment is the only way to confirm costs applicable to your situation.
Any balance not covered by MediSave will be confirmed after claim processing. Speak to our team at booking if you have questions about payment arrangements. Those with applicable insurance coverage may be able to offset a further portion of the balance, subject to their policy terms.
Flexi-MediSave for CHAS Dental Clinics
From mid-2026, Singapore Citizens and Permanent Residents aged 60 and above can use Flexi-MediSave to offset up to S$400 per year for permanent crowns and root canal treatments at CHAS-accredited dental clinics and public healthcare institutions. TWC Dental is a CHAS-accredited clinic and is onboarded to the Flexi-MediSave scheme.
This is separate from standard MediSave, which remains reserved for surgical procedures such as dental implant insertion and wisdom tooth surgery. Seniors eligible for Flexi-MediSave may be able to draw on both schemes for different parts of their treatment, depending on what procedures are involved.
The S$400 annual claim limit can be drawn from your own MediSave account or your spouse’s account, provided your spouse is also aged 60 and above. The limit applies per patient per calendar year across all Flexi-MediSave-eligible outpatient treatments, not per procedure.Â
How to Claim MediSave for Dental?
Unsure of how to file a MediSave claim for your dental procedure? Here is how the MediSave claim process works at TWC Dental:
1. Make an Appointment
When you schedule your appointment, your dental clinic will inform you whether your treatment is eligible for MediSave claims. It's also important to confirm this beforehand to avoid any surprises later. Additionally, you can check the Ministry of Health (MOH) website for a list of approved dental procedures.
2. Initial Consultation with Dentist
On the day of your dental consultation, you must complete a Medical Claims Authorisation Form (MCAF) before the dental treatment if you intend to use your MediSave. This form authorises the dental clinic to submit a MediSave claim on your behalf. Please bring your NRIC, or the NRIC of the family member whose MediSave account will be used, for verification purposes.
3. Processing of MediSave Claim Application
Once your treatment is complete, our team will submit the MediSave claim to CPF on your behalf. Processing usually takes around one week. If the claim is unsuccessful, our staff will contact you to discuss the next steps. This may include using another approved MediSave payer or making direct payment to the clinic.
Why Choose TWC Dental for MediSave Claimable Dental Treatment?
When it comes to using MediSave for your dental needs, TWC Dental ensures a smooth and stress-free experience. Here’s why patients choose us:
- MediSave-Accredited Dental Clinic: TWC Dental is accredited to process MediSave claims at both our clinics.
- Convenient Locations: Easily accessible clinics in Jurong East and Yishun make it simple for patients across Singapore to receive dental care.
- Support for Other Subsidies: Beyond MediSave, we also assist patients in claiming CHAS and other applicable dental subsidies.
- Wide Range of MediSave-Covered Procedures: From wisdom tooth surgery to dental implants, we help you maximise your MediSave benefits.
- Transparent Pricing: Our clear, upfront pricing ensures there are no surprises, giving you confidence and peace of mind from the start.
Frequently Asked Questions About MediSave Dental Claims
Can I use MediSave for all types of dental procedures?
No, not all dental procedures are eligible for MediSave claims. MediSave primarily covers surgical dental treatments, like surgical wisdom tooth extractions and dental implants. Routine procedures such as scaling and braces are excluded from the coverage. Your dental clinic will be able to advise you further during appointment booking.
How much of my dental bills can be covered by MediSave?
The claimable amount from MediSave is decided by specific codes corresponding to the dental surgeries performed and is subject to a withdrawal limit established by the Ministry of Health. Your dentist will be able to determine the sum you can claim after your procedure. You can also consult the Table of Surgical Procedures for more information.
Are family members allowed to use my MediSave funds for their dental surgeries?
Your MediSave can be used by immediate family members, such as your spouse, children, parents, grandparents, and siblings. However, the dental surgeries must fall within MediSave’s coverage scope and be performed at a clinic participating in the MediSave scheme. Additionally, grandparents and siblings who wish to file for claims must be Singaporean or PR.
Do all dental clinics in Singapore accept MediSave claims?
Only dental clinics participating in the MediSave scheme can process your claims. As such, patients are advised to check with their chosen dental clinic in Singapore before receiving treatment. For further information about using your MediSave funds for dental procedures, speak to our team at our dental clinic in Yishun or Jurong East today.
Can I use Flexi-MediSave for root canal treatment or crowns?
Yes, from mid-2026, Singapore Citizens and Permanent Residents aged 60 and above can use Flexi-MediSave to offset up to S$400 per year for root canal treatments and permanent crowns at CHAS-accredited dental clinics, including TWC Dental.
What happens if I don’t have enough funds in my MediSave account to cover the dental procedure?
Our team submits the MediSave claim to CPF on your behalf after treatment. If your MediSave balance is insufficient, we will contact you to arrange an alternative approved payer or direct payment to the clinic.Â
Eligible individuals can also use the MediSave funds of immediate family members, subject to approval by CPF and the MediSave claim limits.
Can I use MediSave for non-surgical dental treatments?
No, MediSave cannot be used for non-surgical dental treatments because the current contribution rate hasn’t factored in funding for non-surgical treatments. However, MediSave can be used to claim subsidies for procedures like the surgical placement of dental implants.
Is a root canal procedure covered by MediSave?
No, you cannot file MediSave claims for root canal treatments. The only exception is if your root canal treatment requires peri-radicular (root) surgery, which involves a dental surgical approach to address infections or complications in the root area.
Can I use MediSave for braces?
Unfortunately, orthodontic treatments like braces are not covered by MediSave claims as they are not considered dental surgical procedures. However, you may explore alternative financing options that cover orthodontic treatment.
Book an Appointment
Have questions about MediSave and your dental treatment options? Schedule an appointment with TWC Dental today, and our team will provide advice on processing MediSave claims for dental implants, wisdom tooth surgery, and eligible procedures.
Our Articles
Dr Tan Wei Chong
Dental Surgeon
SDC Reg. No.: D25715Z
Dr Tan Wei Chong holds a Bachelor of Dentistry (Honours) from the University of Queensland and is trained at the California Implant Institute. He is an active member of the Singapore Dental Association and the Australian Dental Association, and a certified Invisalign provider.
With clinical experience in both Australia and Singapore, Dr Tan handles a broad range of dental concerns across all age groups, including dental implants, wisdom tooth surgery, and general dentistry. He is committed to a comfortable experience while delivering efficient care.