Dental Insurance Singapore: What is it, Who Offers it, and How to Choose the Right One for You
Dental care is costly, especially if you require more than routine cleanings and preventive maintenance. Acquiring dental insurance at any time can assist in offsetting the cost of preventative treatment while easing the financial burden of more expensive dental procedures such as bridges, crowns, and fillings. However, it’s critical to search for dental insurance in Singapore for the coverage you require in the evolving Singapore insurance market, without having low restrictions or limitations that prevent you from receiving any benefit.
What is dental insurance in Singapore?
Dental insurance is an insurance policy that covers your routine dental checkups and treatment, including emergencies and dental injuries. It is a type of insurance that helps you pay for certain dental procedures. These policies can assist insured individuals in paying for all or part of the services provided by their dentists, ranging from periodic cleanings and X-rays to more highly complicated procedures such as dental implants. Dental insurance operates the same way as health insurance. Although the rates are often significantly lower, there is a catch. After you’ve paid your deductible, most health insurance policies cover a significant portion of even the most costly expenses, and most have a yearly out-of-pocket maximum.
How does dental insurance in Singapore work?
Dental insurance coverage is also surprisingly straightforward once you understand a few basic words. Dental insurances, unlike medical insurance, have a limited number of covered options. As a result, it’s simple to keep a count of which dental services are insured and how much each service costs under your dental plan.
Dental coverage is commonly obtained as an add-on benefit on top of a local or foreign health insurance plan from most major insurers. Insurers often refer to this add-on dental benefit as a rider and charge it with an additional premium. The cost may vary depending on the plan’s dental coverage restrictions. Dental insurance can also be obtained as a stand-alone plan with only dental benefits in rare situations. Some employers offer dental coverage to their employees, but these plans often have minimal coverage limitations.
Types of dental Insurance Singapore
Routine dental treatment insurance covers preventive medicine or diagnostic services, including oral exams, fluoride, x-rays, cleanings, and sealants. Equally, periodontal (gum) maintenance and deep pocket cleanings are some of the services covered. Rates charges for routine dental treatment covers are lower since the procedures and services offered are cheap.
Major dental treatment insurance covers restorative services such as fillings, root canals, crowns, oral surgery, extractions, specialty gum and teeth (periodontics), endodontics, prosthodontics, and orthodontics. This form of dental cover comes with high coverage limits.
With dental insurance, you pay out of pocket, and then you will be reimbursed. Reimbursement can be a flat fee or at 50%, 70%, or 80%. Always check the dental plan document to see which services are covered and the percentage cover. You will have to pay the rest of the cost out of pocket.
What you should know when shopping for dental insurance
Dental insurance doesn’t cover cosmetic procedures
Usually, dental insurance plans exclude aesthetic procedures such as gum reshaping and teeth whitening. Braces for slightly misaligned teeth are also considered aesthetic treatments, and orthodontic treatment is usually only funded if deemed medically necessary. However, some plans provide discounts on some cosmetic treatments, so it all depends on the plan and the perks specified in the coverage documentation.
There is a waiting period.
All dental plans have a waiting period. It means you won’t be covered for any dental expenses, and you will likely have few to no benefits for a particular period after taking the cover. The length of the waiting time varies, but it usually lasts between 10 and 12 months. The waiting period exists to protect insurers from the possibility of having to pay for dental treatment that you know you’ll need right away after purchasing your dental plan.
Network of preferred providers
Another aspect to watch is your dental plan’s approved provider network. If you’re already a patient at a dental clinic that isn’t part of your plan’s recommended network, your dental expenses at that clinic are unlikely to be covered. If this is the case, you might want to look for a plan that includes your favorite dental clinic as an in-network provider or find another dental clinic that your plan covers.
Who provides dental insurance in Singapore?
Chubb Dental insurance ltd Singapore
Chubb Dental Care Plus provides a comprehensive cover for dental checkups and treatment. There are preferential rates on different treatments and coverage for several treatments for premiums of less than S$0.82 per day. For Deluxe, you get up to 80% coverage and 100% cover on Premium for emergency dental services, x-rays, and routine preventive treatment. After two years of continuous coverage, you get $150 dental vouchers, and there is a 25% discount on dental services for four family members.
DBS Dental Insurance
The DBS-offered dental insurance is an underwritten policy by MSIG Insurance Singapore. It allows you to avail of approved dental clinical and is acknowledged under the plan at no cost. The plan is eligible for Singaporeans aged 18 to 60 years. The policy covers preventive services, dental radiology, and root canal treatment at a coverage limit of S$2,000 per year.
Pacific Prime dental Insurance Singapore
Pacific Prime has the most comprehensive dental coverage plans with short waiting periods. Co-pay only applies for some treatment, but all preventive dental care procedures are covered. Most importantly, the insurance can cover most dental issues included orthodontics and dental surgery.
Community Health Assist Scheme
Singapore offers dental and medical care subsidies to its low and middle-income households to access services at dental clinical and General Practitioners near them. To be eligible for the CHAS, one has to be from a household whose monthly income per person is below S$1,800 and families with no income with an annual value of home below S$21,000. For those with a Public Assistance card, there is no need to apply for CHAS.