MediSave Dental Coverage
in Singapore
MediSave covers MOH-approved dental surgical procedures — implants, wisdom tooth surgery, bone grafting and more. We check your eligibility and submit the claim to CPF Board for you.
MediSave can be used to pay for MOH-approved dental surgical procedures — treatments that involve cutting gum or bone, or are performed under sedation or anaesthesia as day surgery. This includes dental implant surgery, wisdom tooth surgery, bone grafting and sinus lift procedures. Routine treatments are not claimable: scaling and polishing, fillings, braces, veneers, dentures and simple tooth extraction all fall outside MediSave. Separately, Flexi-MediSave lets patients aged 60 and above use up to $400 a year from their own or their spouse’s MediSave toward selected restorative dental procedures, including root canal treatment and permanent crowns at CHAS dental clinics from mid-2026. At Meiplus Dentalcare we check your eligibility, prepare the documentation and submit the claim to CPF Board on your behalf.
What Is MediSave
Dental Coverage?
MediSave is a national medical savings scheme. A portion of your CPF contributions is set aside to pay for approved medical and dental expenses — it is your own money, not a government subsidy.
For dental treatment, MediSave covers a defined list of procedures the Ministry of Health classifies as surgical. That single distinction — surgical versus routine — decides almost every question patients have about what they can and cannot claim. At Meiplus Dentalcare we assist patients in using their MediSave to reduce out-of-pocket costs, in line with MOH and CPF Board guidelines.
The test is how the treatment is carried out, not how much it costs. A procedure qualifies if it involves cutting gum or bone, or is performed under sedation or anaesthesia as day surgery. An expensive treatment that doesn’t meet that test — a full set of veneers, for instance — is not claimable.
Terms You’ll Hear
- MediSaveyour CPF savings
- A national medical savings scheme where part of your CPF contributions is set aside to pay for approved medical and dental expenses. Drawing on it reduces your own balance.
- MOH-approved surgical procedurethe qualifying category
- A dental procedure officially classified by the Ministry of Health as surgical — involving incision, bone removal, or anaesthesia and sedation as day surgery. MediSave dental claims are limited to this category.
- Table of Surgical ProceduresTOSP
- MOH’s official list of surgical procedures and their MediSave withdrawal limits. Each procedure carries a code and a set limit, which is why claimable amounts differ between a simple and a complex case.
- Claim limitwithdrawal limit
- The maximum MediSave will pay toward a specific procedure, set by MOH. Any amount above the limit is paid out of pocket.
- Flexi-MediSavefor patients aged 60+
- An extension allowing patients aged 60 and above to use up to $400 a year from their own or their spouse’s MediSave toward selected outpatient treatments, including selected restorative dental procedures.
- CHASa subsidy, not savings
- The Community Health Assist Scheme. Unlike MediSave, CHAS is a government subsidy that reduces your bill directly and is not deducted from your CPF.
What’s Claimable
Under MediSave
MediSave covers dental procedures classified as surgical — those involving cutting of gum or bone, or performed under sedation or anaesthesia as day surgery. Each procedure carries a code in MOH’s Table of Surgical Procedures, and that code sets your limit. These are the codes we claim under at Meiplus Dentalcare.
| Treatment | Code | Table | Surgical limit |
|---|---|---|---|
| Implant surgeryPer implant placed | SB816M | 2C | $1,120 |
| Surgical tooth removal, 1 toothLAOP · includes impacted wisdom teeth | SF813T | 2C | $1,120 |
| Surgical tooth removal, 2 teethLAOP | SF800T | 3C | $1,920 |
| Bone graftBone regenerative procedure | SB803M | 2C | $1,120 |
| Sinus lift, one sideLateral window with grafting | SB802M | 3A | $1,390 |
| Sinus lift, both sidesOr multiple quadrants | SB814M | 4A | $2,380 |
| Retained root extraction, multiple rootsSurgical removal of remaining roots | SF816T | 2C | $1,120 |
| Retained root extraction, single root | SF812T | 1B | $420 |
| Crown lengtheningGingival | SF704M | 1B | $420 |
| Implant removalWith trephine bur | SB702M | 1C | $490 |
| Incision and drainageTreatment of a dental abscess | SF801M | 1A | $240 |
| Root canal treatmentVia Flexi-MediSave · aged 60+ · from mid-2026 | — | — | $400per year |
Plus consumables, up to $830
The figures above are the surgical limit set by CPF Board for each table. On top of that you can claim up to $830 for consumables — the materials, treatment fees and medicines used during the procedure.
So a single dental implant is $1,120 for the surgery plus up to $830 in consumables — up to $1,950 per implant. A single surgical wisdom tooth removal works out the same way.
What the claim does not include
- The implant crown and abutment — these are restorative, not surgical
- Consultation fees and diagnostic scans
- Any amount above the limit, which is paid out of pocket
- MediSave allows a maximum of three surgical procedures per claim, and no more than two within the same anatomical system
Surgical limits are set by CPF Board and are subject to change. Which table applies to your case depends on how the procedure is coded under MOH’s Table of Surgical Procedures, confirmed by your dentist after clinical assessment and X-ray. Our team will confirm your exact claimable amount before treatment.
CPF Surgical Limits in Full
Every surgical procedure in Singapore is classified into one of these tables. The figures apply across all surgery, not just dental.
What’s Not Claimable
Under MediSave
These treatments are generally not MediSave claimable, because they are considered routine, non-surgical, or cosmetic and elective — regardless of how necessary they may feel or how much they cost.
Scaling and polishing
Routine cleaning. CHAS subsidies may apply instead.
Tooth fillings
Restorative but non-surgical. CHAS subsidies may apply.
Simple tooth extraction
A fully erupted tooth removed without an incision isn’t classified as surgery.
Braces and Invisalign
Orthodontic treatment is considered elective.
Veneers and teeth whitening
Cosmetic treatment, not covered under any scheme.
Removable dentures
Non-surgical. CHAS subsidies may apply for eligible cardholders.
Not claimable doesn’t mean not subsidised
Several treatments on this list — scaling, polishing, fillings and dentures among them — are subsidised under CHAS, the Pioneer Generation Scheme or the Merdeka Generation Scheme for eligible patients. MediSave and CHAS are separate schemes with separate rules, which is the most common source of confusion on this topic.
Root canal treatment. Normally not MediSave claimable, as it is classified as non-surgical. From mid-2026, however, Flexi-MediSave will cover up to $400 a year toward root canal treatment and permanent crowns at CHAS dental clinics, for patients aged 60 and above. See our root canal treatment page for detail.
MediSave vs CHAS:
What’s the Difference?
Both reduce what you pay for dental treatment in Singapore, but they work in completely different ways — and they cover almost opposite lists of treatments. This is the single most common point of confusion patients raise.
MediSave
Draws down your own CPF MediSave balance. Covers MOH-approved surgical procedures — implants, wisdom tooth surgery, bone grafting. Available to Singapore Citizens and PRs with sufficient balance.
CHAS, PG & MG
A government subsidy that reduces your bill directly and is not deducted from your CPF. Covers routine and restorative treatment — scaling, fillings, extractions, dentures, crowns. Based on your card tier.
| MediSave | CHAS / PG / MG | |
|---|---|---|
| Source of funds | Your own CPF MediSave savings | Government subsidy, not from your CPF |
| What it covers | Approved surgical procedures | Routine and restorative treatment at accredited clinics |
| Typical examples | Implant surgery, wisdom tooth surgery, bone grafting | Scaling, fillings, extractions, dentures, crowns, root canal |
| Who qualifies | Singapore Citizens and PRs with sufficient balance | CHAS cardholders, Pioneer Generation, Merdeka Generation |
| Does using it cost you later? | Yes — it reduces your CPF balance | No — nothing is deducted from your CPF |
They can often be used together. Where a treatment plan includes both a surgical procedure and routine treatment, MediSave and your CHAS, Pioneer Generation or Merdeka Generation subsidy can both apply, further reducing what you pay out of pocket. Meiplus Dentalcare is an accredited provider for all of these schemes.
Whose MediSave
Can You Use?
You can use your own MediSave, or that of an approved dependant. CPF Board sets the list — it’s wider than most patients expect.
For Flexi-MediSave — the $400 a year available to patients aged 60 and above — only your own or your spouse’s MediSave can be used. The wider dependants list above does not apply.
What to Bring
Your NRIC
Along with the CPF MediSave details of whoever’s account is being used.
A checked balance
Check the available balance through the CPF website or CPF Mobile app before your appointment, so you know how much of the cost will be covered.
Proof of relationship, if using a dependant’s account
Authorisation documents and proof of relationship are required. Our team will tell you exactly which documents apply to your situation.
How the Claim Works
You don’t submit anything to CPF Board yourself. We handle the claim end to end, and you only pay the balance after the MediSave deduction.
- 1
Consultation and assessment
Your dentist examines the tooth, takes any imaging needed, and explains your treatment options. At this point we confirm whether the procedure is one MediSave covers, and roughly what you can expect to claim.
- 2
Documentation prepared before treatment
We prepare the required claim forms and check the MediSave balance available. If you’re using a dependant’s account, this is when the authorisation and proof of relationship are collected.
- 3
Treatment, then we submit the claim
Your procedure is carried out, and the clinic submits the claim electronically to CPF Board. You settle only the portion not covered by MediSave.
- 4
Statement for your records
You receive a statement showing exactly how much was deducted from MediSave and how much you paid, which you can check against your CPF transaction history.
Check your balance first. You can view your MediSave balance any time through the CPF website or the CPF Mobile app. Knowing it before your appointment means there are no surprises when the claim is processed.
FAQs on MediSave
Dental Coverage
What dental treatments does MediSave cover in Singapore?
MediSave covers MOH-approved dental surgical procedures — treatments involving cutting of gum or bone, or performed under sedation or anaesthesia as day surgery. This includes dental implant surgery, wisdom tooth surgery, bone grafting and sinus lift procedures. Separately, from mid-2026, Flexi-MediSave will cover root canal treatment and permanent crowns at CHAS dental clinics for patients aged 60 and above.
What dental treatments are NOT covered by MediSave?
Routine and cosmetic treatments are generally not MediSave claimable, including scaling and polishing, fillings, braces and Invisalign, veneers, teeth whitening, removable dentures, and simple tooth extraction that doesn’t require an incision. Several of these are subsidised under CHAS instead, so not claimable under MediSave doesn’t mean you pay full price.
How much can I claim from MediSave for a dental implant?
Dental implant surgery is claimable up to $1,950 per implant. That’s made up of a $1,120 surgical limit — the implant is coded SB816M, Table 2C, under MOH’s Table of Surgical Procedures — plus up to $830 in consumables. Where several implants are placed, the number of claims equals the number of implants. The implant crown, abutment, consultation fees and diagnostic scans are not included, as they are restorative rather than surgical. See our dental implants page for full costs.
Can I use MediSave for wisdom tooth removal?
Surgical wisdom tooth extraction is MediSave claimable for Singapore Citizens and Permanent Residents. Simple extraction of a fully erupted tooth that doesn’t require an incision is not. The claimable amount is banded by the number of teeth and the complexity of the extraction, from $1,250 for a single tooth needing bone removal only, up to $3,270 for four teeth. Those figures are the surgical limit plus consumables, which are claimable up to $830. See our wisdom tooth page for detail.
Can I use MediSave for tooth extraction?
It depends on the type of extraction. A simple extraction, where a fully erupted tooth is removed without an incision, is not MediSave claimable — though CHAS subsidies may apply. A surgical extraction, requiring an incision and sometimes bone removal or sectioning of the tooth, is claimable. Your dentist determines which applies after a clinical examination and X-ray.
What’s the difference between MediSave and CHAS for dental treatment?
MediSave draws from your own CPF savings to pay for approved surgical procedures, so using it reduces your CPF balance. CHAS, Pioneer Generation and Merdeka Generation are government subsidies that reduce your bill directly and are not deducted from your CPF. They also cover opposite lists: MediSave covers surgery, while CHAS covers routine and restorative treatment such as scaling, fillings and dentures. The two can often be used together.
Can I use a family member’s MediSave for my dental treatment?
Yes. CPF Board allows you to use the MediSave of an approved dependant — your spouse, parent, child, grandparent or sibling. Grandparents and siblings must be Singapore Citizens or Permanent Residents; spouse, parent and child may be of any nationality. You’ll need authorisation documents and proof of relationship at your appointment. Note that Flexi-MediSave is narrower: only your own or your spouse’s MediSave can be used.
How do I check my MediSave balance before a dental procedure?
You can check your MediSave balance through the CPF Board website or the CPF Mobile app at any time. Doing this before scheduling treatment means you’ll know how much of your procedure cost can be covered and what you’ll need to settle yourself.
Is root canal treatment covered by MediSave?
Root canal treatment is generally not MediSave claimable, as it’s classified as non-surgical. From mid-2026, however, Flexi-MediSave will cover up to $400 per year toward root canal treatment and permanent crowns at CHAS dental clinics, for patients aged 60 and above. Root canal treatment is also subsidised under CHAS for eligible cardholders. See our root canal treatment page for detail.
Does Meiplus Dentalcare help submit MediSave claims?
Yes. Our team guides patients through the full process — checking eligibility, preparing the documentation before treatment, submitting the claim electronically to CPF Board afterward, and providing a statement of the MediSave deduction for your records. You don’t submit anything to CPF Board yourself.
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