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CHAS can reduce the cost of selected dental treatments for eligible cardholders. MediSave uses healthcare savings to pay for eligible treatment. They have different rules, and neither automatically covers your whole bill.
This guide explains the difference, the subsidy amounts for common procedures, and what to check before agreeing to treatment.
CHAS, MediSave and Flexi-MediSave: the difference
| Scheme | What it does | What to check |
|---|---|---|
| CHAS | Provides a subsidy for selected dental procedures | Your card tier, procedure eligibility and remaining claim limits |
| MediSave for dental surgery | Uses MediSave savings for selected medically necessary surgical procedures | The planned procedure and applicable withdrawal limit |
| Flexi-MediSave | Allows eligible patients aged 60 or older to use savings for permanent crowns and root canal treatment | Available annual limit, eligible account and clinic participation |
CPF confirms the distinction between surgical dental treatment and the Flexi-MediSave provisions for older patients.
Which CHAS cards cover dental treatment?
CHAS Blue, CHAS Orange, Pioneer Generation (PG) and Merdeka Generation (MG) cardholders can receive subsidies for selected dental procedures at participating clinics. CHAS Green does not cover these dental subsidies.
CHAS Orange coverage includes basic and preventive procedures such as scaling and polishing under the changes introduced on 1 October 2025. See the official CHAS FAQs.
Bring your valid card and identification. Patients with a Public Assistance card should tell the clinic: separate full-subsidy provisions apply to covered treatment, with visit and treatment limits. See CHAS cards and subsidies.
How much is the CHAS dental subsidy?
These are maximum subsidies per eligible claim in Singapore dollars, not treatment prices or guaranteed savings. Amounts below were checked against the official schedule on 13 September 2026.
| Dental service | PG | MG | CHAS Blue | CHAS Orange |
|---|---|---|---|---|
| Consultation | $30.50 | $25.50 | $20.50 | $13.50 |
| Polishing | $30.50 | $25.50 | $20.50 | $13.50 |
| Scaling | $40.00 | $35.00 | $30.00 | $20.00 |
| Topical fluoride | $30.50 | $25.50 | $20.50 | $13.50 |
| X-ray | $21.00 | $16.00 | $11.00 | $7.50 |
| Front-tooth extraction | $38.50 | $33.50 | $28.50 | $19.00 |
| Back-tooth extraction | $78.50 | $73.50 | $68.50 | $45.50 |
| Complex filling | $60.00 | $55.00 | $50.00 | $33.50 |
| Simple filling | $40.00 | $35.00 | $30.00 | $20.00 |
| Re-cementation | $45.00 | $40.00 | $35.00 | $23.50 |
Source: CHAS dental subsidy schedule, effective 1 October 2025. “Front” and “back” correspond to anterior and posterior in the schedule.
Claim limits matter too. Scaling and polishing each allow up to two claims per calendar year. Consultation claims have additional conditions, including a six-month interval between the two annual claims. The dentist must assess whether the procedure meets the claim requirements. See CHAS dental services and limits.
For treatment information and Teeth Q’s published fees, visit our scaling and polishing page.
Can I use MediSave for dental treatment?
MediSave may be used for selected complex dental procedures involving surgery for medical reasons, subject to the relevant day-surgery withdrawal limits. The dentist needs to identify the planned procedure before the claimable amount can be confirmed.
A non-surgical extraction is not automatically eligible because it removes a tooth. Likewise, do not assume every component of an implant treatment plan is claimable. Ask for an itemised estimate. See CPF’s dental-treatment guidance.
Read about wisdom tooth surgery or dental implants if these treatments have been recommended.
Can Flexi-MediSave pay for root canal treatment or crowns?
Eligible patients aged 60 or older may use Flexi-MediSave for permanent crowns and root canal treatment at participating CHAS dental clinics and public healthcare institutions. MOH describes this extension in its dental financing update, and CPF’s current dental FAQ confirms the coverage.
The Flexi-MediSave limit is up to $400 per patient per year. It is shared with other eligible outpatient uses; it is not an extra $400 for every tooth or dental visit. Your available amount may be lower if you have already used part of it.
You may use your own MediSave or your spouse’s MediSave if the applicable age conditions are met; a spouse whose account is used must also be aged 60 or older. Account balances and remaining withdrawal limits still apply. See CPF’s outpatient MediSave guidance.
Confirm eligibility and the clinic’s arrangements before relying on a claim. For treatment details, see our root canal guide.
What about cleaning, fillings, dentures or braces?
Routine scaling, polishing, fillings, non-surgical dentures and braces are not covered by the Flexi-MediSave dental extension. CPF specifies permanent crowns and root canal treatment and states that other dental expenses are excluded from Flexi-MediSave. See CPF’s explanation of dental coverage.
Eligible CHAS cardholders may instead receive subsidies for listed procedures, including selected fillings, removable dentures, crowns and root canal treatment. For procedures involving several visits, CHAS claims are made after completion, and treatment must finish before the CHAS card expires. Procedure-specific limits apply. Check the official dental schedule.
How much will I need to pay?
Ask the clinic to separate your estimate into:
- Total treatment charges, including GST where applicable and any additional items.
- The applicable CHAS subsidy, based on your eligibility and the treatment.
- Any eligible MediSave payment, subject to confirmation.
- The balance payable by you.
For CHAS alone, the balance is the clinic’s charges, including any applicable GST, minus the subsidy. CHAS clinics must issue itemised bills. A Blue, Orange, PG or MG card does not automatically make treatment free. See CHAS billing guidance.
MOH’s dental fee benchmarks provide a reference for typical cases. They exclude GST and are not a quotation from Teeth Q. Ask how your estimate compares, whether X-rays or other items are additional, and what could change the total.
If you may qualify for both CHAS and MediSave, ask the clinic to confirm how they apply to your treatment and show the resulting balance. Do not calculate a guaranteed final price by subtracting the highest advertised amounts.
Plan your visit to Teeth Q
Tell the clinic your card type and whether you wish to discuss MediSave or Flexi-MediSave. Ask which documents or account-holder authorisations are needed and whether eligibility can be checked before treatment.
Book a dental assessment or find your preferred clinic and contact details.
General information; individual eligibility and the amount payable require confirmation. Official rules may change.
