In essence, MediSave is a national medical savings scheme designed to help individuals in Singapore set aside a portion of their income to pay for personal (or that of an immediate family member) hospitalisation, day surgery and some outpatient expenses, as well as their very own healthcare in old age. In addition, MediSave can also be used to pay for specific dental services.
MediSave can be used to pay for the following day surgeries or dental surgical procedures:
- Dental implants
- Bone graft
- Sinus lift
- Wisdom tooth surgeries
- Gum surgery
- Surgical removal of fractured teeth / retained roots
You also have the option to use your immediate family member’s MediSave if yours is insufficient. Your parents, child, and spouse are considered immediate family members. Use of MediSave however will be subject to approval and will depend on the balance available on the account. The MediSave account holder or the patient will be required to fill in and sign the MediSave Authorisation form.
Frequently Asked Questions
How much can I use for dental services?
The surgery type will determine the amount that can be claimed from MediSave. This is because surgeries each have a specific code as well as a predetermined value that can be claimed. All the claims will be based on the fixed limit stated in the Table of Surgical Procedures (TOSP).
Generally, claims between $250 to $2, 850 can be made. The amount that can be claimed however is dependent on the surgical procedure’s complexity.
How do I claim MediSave for my dental procedure?
Understandably, you need to inform the medical institution first and foremost. For instance, if you’ll visit 1728 Dental’s Ang Mo Kio Dental Clinic, you need to inform them during payment or during discharge.
After which, you will be asked by the medical institution to sign the Medical Claims Authorisation Form (MCAF). The form will authorise established clinics like 1728 Dental’s Ang Mo Kio Dental Clinic to use MediSave for bill payment. Lastly, you will receive a MediSave Claims Statement after the payment has been processed.
Can I use MediSave for tooth extraction?
MediSave can be only be used for surgeries / day surgeries.That being said it cannot be used for tooth extraction(s) that does not involve any surgery.
Can I use MediSave for braces, dental crowns, or root canal treatments?
Unfortunately, according to CPF, MediSave can’t be used for dental procedures that are non-surgical in nature. That being said, MediSave cannot be used for:
- Braces (Invisalign or metal)
- Dental crowns
- Non-surgical root canal treatment
How much will MediSave pay me?
Basically, the amount one can claim will depend on the surgical procedure. That being said, the attending dentist will be the one to assess the claimable amount upon completion of the surgery.
In summary, MediSave can be used to pay for dental surgical procedures like gum surgery, dental implants, and wisdom tooth surgeries. It can also be used to pay for an immediate family member’s dental procedures. The amount claimable will be determined by the attending dentist.