Will Dental Insurance Cover Braces – Dental care costs in Singapore can range from a few hundred dollars to thousands of dollars, according to the estimated average costs for dental procedures by the Ministry of Health (MOH). However, with underlying inflation rising in Singapore in the first half of 2023, we can expect our dental care costs to rise.
So having dental insurance is useful, whether it’s for regular polishing or wisdom tooth surgery, as Medisave can only cover the basics. It’s helpful to know that most companies in Singapore offer dental insurance coverage as part of their corporate employee health plan, so many of us don’t need to get our own private dental insurance plans. Let’s find out which dental procedures are and are not covered by Medisave, the best dental plans available and how to choose the right one for you and your loved ones.
Will Dental Insurance Cover Braces
With a total claim limit of up to US$4.5 million, AXA Insurance Singapore offers comprehensive dental insurance coverage that includes basic dental procedures such as check-ups, scaling and fillings, as well as more advanced treatments such as root canal therapy radicular, orthodontics and dental implants.
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The usual inpatient and outpatient expenses, pre-hospitalization coverage and post-hospitalization coverage up to 90 days from the date of discharge, pre-existing and congenital illnesses. For routine dental treatments, Plan A offers up to $2,500 while Plan B offers up to $250, but if you choose Plan C, you cannot request any routine dental treatments such as dental exams, extractions, fillings, scraping, polishing, X-rays, fluoride treatments, etc.
Prudential’s PRUShield is also an Integrated Shield Plan (IP) like Great Eastern’s GREAT SupremeHealth. Composed of 3 different types of plans, only 2 of the plan types offer coverage for “Accidental hospital dental treatment” and they are the Premier and Plus options.
Being the highest level of the 3 types of plan, Premier gives access to public and private hospitals, while Plus allows you to request stays in class A wards and below in restructured public hospitals.
To claim benefits related to dental treatments, you will be able to claim amounts for any incidental hospital dental treatments as charged (which means there is really no claim limit), so your bills for any dental procedures done to you when your natural teeth are lost or damaged in an accident, will be covered by the Premier or Plus plan. The annual premiums for their plans range from $229 to $693 if you are talking about the age group of 1 to 50 years.
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Known for its highest medical coverage on the market at an economical price, this integrated protection plan covers any accidental dental treatments or inpatient hospital surgeries.
Depending on your preferred choice of public or private healthcare, you can select different levels of healthcare with varying coverage limits; the highest amount, which amounts to $2 million per year, and a long pre- and post-hospitalization coverage of 13 months are also included in the highest level. Like many health plans, you will need to go through an AIA panel health provider to enjoy these benefits.
Similar to Prudential’s PRUShield Premier and Plus, AIA’s HealthShield GoldMax plans allow you to claim amounts for any incidental hospital dental treatments as billed. The annual premiums for their plans range from $101 (for a GoldMax B plan) to $1,080 (for a GoldMax A plan) if you are talking about the 1-50 age group.
GREAT SupremeHealth has one of the cheapest integrated protection plans on the market with its Standard, A Plus, B Plus, and P Plus plans that come with accidental dental coverage.
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Any accidental dental treatments or surgeries will be covered by hospital treatment. Great Eastern’s reach is considered decent, with an annual claim limit of up to $1.5 million, although coverage is lower than AIA. Similar to Prudential’s PRUShield Premier and Plus and AIA’s HealthShield GoldMax plans, GREAT SupremeHealth’s 4 plan types allow you to claim amounts for any incidental hospital dental treatments as billed. Annual premiums for GREAT SupremeHealth plans range from $31 (for a Standard plan) to $656 (for a P Plus plan) if you are talking about the 1-50 age group.
You’ll be able to claim up to $1,400 for basic and routine dental treatments as well as complex dental treatments with FWD’s customizable plan. Highlights of this plan include the “No Claims Bonus,” which doubles your annual limit when you make no hospitalization claims for two years, flexibility to choose an annual limit ranging from $100,000 to $3 million, and the ability to adjust your deductible in any amount from $0 to $10,000.
As for claiming benefits related to accidental hospital dental treatments, you will be able to claim any amount charged.
When choosing a dental plan, it is important to consider the type of coverage offered, the cost of the plan and the network of dentists covered by the plan. Some insurance plans may only cover basic procedures, such as fillings and extractions, while others may offer coverage for more extensive procedures, such as orthodontics or dental implants.
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Before choosing a dental insurance plan, evaluate your dental needs and requirements. Coverage for basic procedures or more extensive treatments like orthodontics will require broader coverage in your plan, and remember to check your workers’ compensation benefits for dental reimbursement as well.
If your employer offers you dental insurance and dental health benefits under your corporate health plan, with a co-pay aspect or other payment arrangements, you may not need to obtain this comprehensive private dental insurance on your own.
Consider the cost of the insurance plan and how it fits into your budget. Some plans may have a higher premium but offer more comprehensive coverage, while others may have a lower premium but limited coverage. Some plans may have limits on the amount they will pay for specific procedures or may not cover certain treatments.
Most dental insurance coverage benefits are included in health insurance plans, but there are some standalone ones such as EverDental Care – the standalone dental insurance policy underwritten by Chubb that is offered by Maybank at the moment. Providing up to 100% coverage for emergency treatments and routine preventive treatments once a year, EverDental Care also offers up to 70% coverage for extractions, surgical work, root canals, fillings and other conservative procedures.
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As mentioned, you will need to think about your dental needs first before you decide to opt for an all-inclusive health insurance plan with dental benefits or opt for just a dental insurance coverage plan separate from your health insurance.
Take control of your health and finances by comparing different health plans and getting the right health plans today!
If you are wondering whether you can use your Medisave to pay for your dental treatment, it really depends on whether your dental treatment is non-surgical or surgical and is carried out for medical or non-medical reasons. Those performed for medical reasons include:
Therefore, non-surgical dental procedures, especially those for cosmetic purposes such as non-surgical crownings, dentures, tooth extractions, etc., which do not involve surgery, are excluded from Medisave claims.
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Yes and no. With the rising costs of dental procedures in Singapore, and most dental treatments not being claimable under Medisave, it makes more sense to obtain dental insurance coverage, whether part of a health insurance plan or just a stand-alone dental insurance plan.
When choosing a dental plan, several factors must be considered, such as the type of coverage offered, the cost of the plan and the network of dentists covered by the plan. Some insurance plans may only cover basic procedures, such as fillings and extractions, while others may offer coverage for more extensive procedures, such as orthodontics or dental implants.
This depends on what you really need. Whether it’s a comprehensive health insurance plan that comes with a dental coverage component or a stand-alone dental insurance plan, the type of insurance policy that’s right for you will depend on your current health situation and your care needs. dental. You will also need to consider the dental benefits your employer offers in the corporate health plan they offer you.
Yes and no, it really depends on whether your dental treatment is non-surgical or surgical, and carried out for medical or non-medical reasons. Non-surgical dental procedures, especially those for cosmetic purposes such as non-surgical crowning, dentures, tooth extractions, etc., which do not involve surgery, are excluded from Medisave claims. Advertising Disclosure: When you purchase products or services through our links, we may earn commissions. These commissions allow us to produce carefully researched analyses. Unless otherwise stated, we rely on the accuracy of suppliers’ statements and have not independently verified them. To know more.
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When you sign up for a Cigna dental insurance plan, you get coverage for a variety of dental treatments, which should instill some confidence when scheduling office visits. But orthodontics is a different ball game. First, it is more expensive than typical routine dental services. Secondly, it is not as widely covered. Some insurance plans cover this