Dental Insurance in Singapore

Consider Your Dental Needs

Compare Prices Across Brands

Our Dental Insurance Partners

Nuffield Dental believes in making dental services accessible to all. To make that happen, we've partnered with the following insurance providers.

When Hafiz chipped his tooth during a friendly game of football, he was worried about the cost of dental care. As a graphic designer who freelanced, every dollar mattered. His dental insurance, which seemed like a monthly indulgence, became his financial saviour, covering the $1,500 procedure entirely. Without the insurance, Hafiz would have had to dip into his savings, but instead, he walked out with a smile, paying nothing out of pocket.

Key Takeaways:

1. Where Can I Buy Dental Insurance in Singapore?

Insurance providers like AIA, Chubb, and Great Eastern offer dental insurance plans. Policies can also be purchased through brokers or directly from insurance companies.

2. What is the Cost of Dental Insurance in Singapore?

The cost of dental insurance in Singapore can indeed vary, typically ranging from $20 to $200 per month, depending on the level of coverage you choose.

At Nuffield Dental, we understand navigating dental insurance options can be complex. Here’s what to look out for when choosing dental insurance:

Coverage Options

The insurance coverage you opt for will influence your premium. Basic policies cover essential dental maintenance like check-ups, while more comprehensive options extend to advanced treatments such as implants and orthodontics.

Age Impact

Premiums are affected by age, with generally lower rates for the young and gradually increasing as one gets older, reflecting the higher likelihood of requiring dental procedures.

Current Dental Health

Your existing oral health may be factored into your insurance costs. If you have ongoing dental conditions, expect that your premium could reflect the increased need for care.

Choosing Providers within the Network

Dental insurance plans usually come with a network of dentists. Sticking to this network can lead to lower costs, while choosing an out-of-network dentist may result in higher expenses.

3. What is the Waiting Period for Dental Insurance Coverage?

While a waiting period doesn’t apply to all dental insurance plans, it’s typically six months for those which have one. During this period, note that any dental work - major or minor - will not be covered.

4. How do I Pick a Suitable Dental Insurance Plan?

Assess your dental needs, compare plan benefits and costs, and consider whether standalone or inclusive plans suit you best. When in doubt regarding certain details, consider reaching out to the individual providers.

5. Should I Pick a Healthcare Insurance Plan or a Standalone Dental Insurance Plan?

This depends on your overall health and dental care needs. A standalone plan is ideal for specific dental coverage, while a healthcare plan is broader. Integrating dental coverage with health insurance can provide comprehensive health protection, including dental health.

6. Is There Dental Insurance for Expats in Singapore?

Definitely. As an expat, you can obtain dental insurance, with several plans specifically designed for your needs. For more information, hop on over to our expat dental page.

7. Does Dental Insurance For Freelancers Exist? 

Yes. For freelancers considering dental insurance, the unique considerations include:

1. Financial Responsibility: Freelancers must cover the entire cost of the insurance premium themselves, without any employer contribution.

2. Value for Investment: It's crucial for freelancers to ensure that their chosen plan offers good value, considering they are fully self-funding their dental insurance.

These considerations are unique to freelancers as they independently manage and finance their dental insurance without the typical subsidies or support structures available to full-time employees.

8. Are There Dental Insurance Plans That Cover Dental Emergencies?

Yes, some dental insurance plans in Singapore offer coverage for dental emergencies. These plans typically include treatments like consultation, emergency dental treatment, and root canals​.

9. Does Dental Insurance Cover Cosmetic Procedures?

Dental insurance typically does not cover cosmetic procedures like teeth whitening, dental implants, or Invisalign, unless medically necessary. Coverage usually focuses on procedures essential for oral hygiene and medically necessary treatments.

10. Can I Use Medisave for Dental Treatments?

In Singapore, Medisave can be used to pay for certain dental procedures such as dental implants, wisdom tooth extraction, and gum treatments. However, you won't be able to claim for non-surgical procedures such as braces and veneers.