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Using MediSave and Flexi-MediSave for dental treatment

MediSave is the national medical savings account in your CPF. It can be used for a defined list of dental procedures. This page explains the two routes: standard MediSave for surgical procedures, and Flexi-MediSave for patients aged 60 and above for root canal treatment and permanent crowns.

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In brief: MediSave: wisdom tooth surgery (fully claimable) and implant surgery (up to $1,950 per implant) · Flexi-MediSave: age 60+, up to $400 a year, root canals and crowns at CHAS dental clinics, can be stacked with CHAS · Not for check-ups, cleaning, fillings or braces.

Standard MediSave: surgical dental procedures

MediSave may be used for dental procedures that involve surgery and are performed for medical reasons, at a MediSave-accredited clinic such as ours. The amount that can be withdrawn is set by CPF for each procedure. At Toothsmith this works out as follows:

Procedure at ToothsmithOur fee (incl. GST)MediSave
Surgical removal of impacted wisdom tooth (one tooth)$1,362.50100% MediSave-claimable. No cash payment, subject to available balance.
Surgical removal of two impacted wisdom teeth (same sitting)$2,343.50100% MediSave-claimable. No cash payment, subject to available balance.
Dental implant placement (Visit 1)$1,950Fully claimable: CPF allows up to $1,950 per implant placed ($1,120 operation limit plus up to $830 day-surgery charges), which matches our surgical fee.
Implant abutment, scan and crown (Visits 2–4)$1,250Not claimable (not surgical).
Simple extraction, fillings, scaling, dentures, braces, whitening–Not claimable. CHAS may apply to some of these.

Source: CPF Board, MediSave withdrawal limits for dental surgery and dental implants; MOH Table of Surgical Procedures.

Whose MediSave can be used?

Your own, or that of an approved dependant: your spouse, child, parent, grandparent or sibling (siblings must be Singapore Citizens or Permanent Residents). The account holder completes and signs a Medical Claims Authorisation Form, which we provide.

What to bring

  • Your NRIC
  • If a family member is paying: their NRIC, a screenshot of their MediSave balance (from the CPF app or website) and the signed authorisation form

We submit the claim electronically after the procedure. Any amount above the claimable limit, or above the available balance, is paid in cash, NETS or card on the day.

Flexi-MediSave: for patients aged 60 and above

Flexi-MediSave allows Singaporeans aged 60 and above to use up to $400 a year from MediSave for outpatient treatment at CHAS clinics, polyclinics and public specialist outpatient clinics. The annual limit was raised from $300 to $400 on 1 October 2025, and from mid-2026 the scheme was extended to root canal treatment and permanent crowns at CHAS dental clinics and public dental institutions.

Flexi-MediSave at the dentistDetails
WhoPatients aged 60 and above
Whose accountYour own MediSave, or your spouse’s if your spouse is also aged 60 or above
How muchUp to $400 per patient per calendar year, shared with any other Flexi-MediSave use (for example GP visits for chronic conditions)
Which dental treatmentsRoot canal treatment and permanent crowns
WhereCHAS dental clinics with Flexi-MediSave accreditation (including Toothsmith), and public healthcare institutions
With CHAS?Yes. CHAS subsidy is deducted first; Flexi-MediSave is applied to the remainder
Not coveredScaling, fillings, extractions, dentures, implants, braces

Toothsmith Dental Surgery is onboarded for Flexi-MediSave and our dentists are MediSave-accredited, so eligible patients can use Flexi-MediSave for root canal treatment and permanent crowns at our clinic now.

Worked example: molar root canal, Pioneer Generation patient aged 72

Root canal treatment, molar$1,000.00
CHAS Pioneer Generation subsidy (up to)− $594.50
Flexi-MediSave (up to)− $400.00
Cash payment$5.50

If a permanent crown is placed afterwards, the CHAS crown subsidy (up to $625 for PG) applies; Flexi-MediSave can be used again only if part of the $400 yearly limit remains, or in the following calendar year.

MediSave versus CHAS: quick comparison

CHASMediSaveFlexi-MediSave
What it isGovernment subsidy (money you do not pay)Your own CPF savingsYour own CPF savings
WhoCHAS Blue/Orange, MG, PG cardholdersAny CPF member or approved dependantAge 60 and above
Dental use18 common procedures (check-ups to root canals, crowns, dentures)Surgical procedures (wisdom tooth surgery, implants)Root canal treatment, permanent crowns
LimitPer-procedure caps and yearly countsSet by CPF per procedure; covers our wisdom tooth and implant surgery fees in full$400 per year

Frequently asked questions

Which dental treatments can MediSave pay for?
Standard MediSave covers dental procedures that involve surgery and are done for medical reasons, such as surgical removal of impacted wisdom teeth, dental implant placement and removal, and certain jaw and gum surgeries. It cannot be used for check-ups, scaling, fillings, simple extractions, dentures, braces or whitening. Separately, Flexi-MediSave (age 60 and above) can be used for root canal treatment and permanent crowns at CHAS dental clinics.
What is Flexi-MediSave?
Flexi-MediSave allows Singaporeans aged 60 and above to use up to $400 a year from their own MediSave, or their spouse’s MediSave if the spouse is also 60 or above, for outpatient treatment at CHAS clinics, polyclinics and public specialist clinics. From mid-2026 it was extended to root canal treatment and permanent crowns at CHAS dental clinics. The $400 is a yearly total per patient, not per visit.
How much MediSave can I use for wisdom tooth surgery?
At Toothsmith, the full surgical fee ($1,362.50 for one tooth, $2,343.50 for two) is 100% MediSave-claimable, so nothing is payable in cash as long as the MediSave account used has sufficient balance. We submit the claim for you after the procedure.
How much MediSave can I use for a dental implant?
Up to $1,120 per implant for the operation plus up to $830 for day-surgery charges, so up to $1,950 per implant placed. Our surgical visit fee is $1,950. The abutment, scan and crown stages ($1,250) are not MediSave-claimable.
Can I use a family member’s MediSave?
Yes. MediSave can be used for approved dependants: spouse, children, parents, grandparents and siblings (siblings must be Singapore Citizens or PRs). The account holder signs a Medical Claims Authorisation Form. For Flexi-MediSave, only your own or your spouse’s MediSave can be used, and both must be aged 60 or above.
Can Flexi-MediSave be combined with CHAS?
Yes. For a root canal or crown, the CHAS subsidy is applied first, and up to $400 of Flexi-MediSave can then be applied to the remaining amount, with any balance paid in cash.
What documents do I need for a MediSave claim?
Your NRIC. If using a family member’s account: their NRIC, a screenshot or printout of their MediSave balance, and the signed Medical Claims Authorisation Form. The claim is submitted by the clinic; the deduction appears in the account holder’s CPF statement.
Is Toothsmith MediSave and Flexi-MediSave accredited?
Yes. Toothsmith Dental Surgery is a MediSave-accredited dental clinic for surgical procedures and is onboarded for Flexi-MediSave, so patients aged 60 and above can use Flexi-MediSave for root canal treatment and permanent crowns here. Our dentists are MediSave-accredited practitioners.

Questions about your teeth?

Book a check-up. You will hear what we find, the options and the fee before anything is done.

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