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As Singaporeans, we always want the most affordable and value-for-money services, including dental crown procedures. We know that MediSave can be used for a variety of medical services, but what about dental crowns? If MediSave can’t cover it, can I use insurance instead? Does dental insurance cover crowns?
Let’s take a closer look at the costs of dental crowns and what are the procedures that can be covered.
What is the cost of a dental crown in Singapore?
Getting dental crowns in Singapore can cost between $750 to $2000 per tooth. This varies according to the material chosen and the complexity of your individual case. Porcelain dental crown types such as Zirconia and ceramic crowns typically cost more than traditional crowns like porcelain-fused-to-metal crowns. Gold crowns are the most expensive and can exceed $2000 as it depends on the price of gold as well.
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Can I use personal insurance for my dental crown?
Insurance in Singapore typically only covers clinically necessary procedures. Procedures that are considered non-essential or elective would not be covered under most dental insurance plans.
Normally, the following are covered by dental insurance in Singapore:
- Emergency dental treatments
- Routine preventive treatments and basic dental treatments such as scaling, polishing and dental fillings
- X-rays
- Teeth extractions
- Root canal treatments
Dental crowns may be eligible to be claimed under accident insurance policies if the tooth has fractured as a result of an accident and needs a crown. However there are certain guidelines that differ between each insurance company. For this its best to clarify with your insurance agent.
Can I claim work insurance for dental crown in Singapore?
You may be able to claim the costs for your dental crown through your dental insurance provided by your company as part of your dental treatment. As everyone has a different benefit package, it's a good idea to check with your company's HR for the details on your dental coverage.
If you are not sure, you can bring the policy details in for the dentist to advise you on whether your dental crown will be claimable under your insurance.
Can I use MediSave for dental crowns?
Unfortunately, non-surgical dental procedures cannot be claimed using MediSave under CPF. Hence, MediSave cannot be used for the following:
- Non-surgical root canal treatment
- Braces (metal or Invisalign)
- Dental crowns, bridges or dentures on natural teeth
- Dental crown on implant
- Teeth extraction that do not require surgery
What dental procedures can be claimed with MediSave?
You may use Medisave to pay for the following dental surgery services:
- Dental implants
- Wisdom tooth surgeries
- Surgical removal of retained roots/fractured teeth
- Bone graft
- Sinus lift
- Gum surgery
The fixed limit of the amount you can claim from MediSave will depend on the type of surgery. Claims from MediSave may be anywhere between $250 to $2850 depending on how complex the surgical procedure is.
You may also wish to use an immediate family member’s MediSave should your own be insufficient. This refers to your spouse, parents or children’s MediSave. However, this is subject to approval depending on your account balance. The MediSave Account Holder also has to fill up and sign the MediSave Authorisation Form.
Dental Designs is a MediSave Accredited Clinic approved by MOH Singapore. Read more on the FAQs regarding the use of Medisave at Dental Designs.
Conclusion
Generally, MediSave cannot be used for dental crown procedures because they are non-surgical. However, insurance may be able to cover your dental crown procedure if it is required as a result of accidents. Insurance may also cover other basic dental treatments. For more information on the list of procedures you can claim for, please check with your dental insurance provider.
Find out more about Dental Crowns with Dental Designs! Any question? Leave us a message here and we'll be happy to help.
References
- MOH | Average Fee For Dental Procedures. (2019). AVERAGE FEE FOR DENTAL PROCEDURES. https://www.moh.gov.sg/cost-financing/average-fee-for-dental-procedures