Medical & Health

Dental Insurance

For just S$0.65 a day, Dental Insurance offers you comprehensive benefits and care for your pearly whites!

Dental Insurance

With Dental Insurance, underwritten by MSIG Insurance, your visit to any of the  approved clinics island-wide*  will be cashless!

What’s more, whenever you need advice or assistance, MSIG Insurance’s 24-hour dental hotline is ready at your service.

Benefits

  • Preventive checks, dental radiology, root canal treatment and other benefits
  • High annual limit of up to S$2,000#
  • No payment required at any of the approved clinics^
  • Preferential rates at any of the approved clinics for treatment not covered by the Dental Insurance

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* Click here for the list of approved dental clinics
# Applicable to VIP Plan
^ The level of coverage will depend on the Plan selected. 20% co-payment is required for Root Canal Treatment at the approved dental clinics. Please refer to the Benefits Table for more information.

Product Details


The Dental Insurance Policy pays for the Reasonable and Customary Charges incurred up to the Benefit limit of the selected Plan.

This cover is extended to all POSB Customers (including foreigners) who are aged between 18 years and below 60 years old and residing in Singapore.


BENEFITS

BENEFIT LIMITS

CLASSIC PLANPLATINUM PLANVIP PLAN
Contract¹Out-of-Contract²Contract¹Out-of-Contract²Contract¹Out-of-Contract²

Overall Limit for each Policy Year

S$1,500

S$1,500

S$2,000

Emergency Dental Services

Medically necessary emergency dental services provided by a dentist

100% coverage

Up to S$55 per Visit

100% coverage

Up to S$55 per Visit 

100% coverage

Up to S$55 per Visit 

Preventive Dental Benefits

Medically necessary preventive dental services provided by a dentist

100% coverage;

One (1) visit per Policy Year

Up to S$55;

One (1) visit per Policy Year

100% coverage;

One (1) visit per Policy Year

Up to S$55;

One (1) visit per Policy Year

100% coverage;

One (1) visit per Policy Year

Up to S$55;

One (1) visit per Policy Year

Dental Radiology Benefits

Dental radiology services for:
(a) up to two (2) bitewing intraoral x-ray during the Policy Year; or
(b) one (1) posterior/anterior or lateral skull, and facial bone survey x-ray during the Policy Year; or
(c) one (1) panoramic x-ray during the Policy Year.

Access to Contracted Provider's preferential rates³

No benefit

100% coverage;

One (1) x-ray per Policy Year

Up to S$60 per Policy Year;

One (1)
x-ray per Policy Year

100% coverage;

One (1)
x-ray per Policy Year

Up to S$60 per Policy Year;

One (1)
x-ray per Policy Year

Conservative Benefits (Fillings)

Medically necessary conservative treatments for:
(a) amalgam, 1-2 surfaces, permanent
(b) composite/resin, 1-2 surfaces, permanent

100% coverage;

Max two (2) Teeth per Policy Year

Max two (2) Teeth (Up to S$140) per Policy Year

100% coverage;

Max two (2) Teeth per Policy Year

Max two (2) Teeth (Up to S$140) per Policy Year

100% coverage;

Max two (2) Teeth per Policy Year

Max two (2) Teeth (Up to S$140) per Policy Year

Extraction Benefits (Non-Surgical)

Medically necessary dental extractions limited to:
(a) simple extraction, e.g., erupted tooth or exposed root.
(b) complicated extraction, e.g., tooth or root, partially bony.

100% coverage;

One (1) Tooth per Policy Year

One (1) Tooth (Up to S$100) per Policy Year

100% coverage;

One (1) Tooth per Policy Year

One (1) Tooth (Up to S$100) per Policy Year

100% coverage;

Max two (2) Teeth per Policy Year

Max two (2) Teeth (Up to S$100 per tooth) per Policy Year

Endodontic Benefits (Root Canal treatment)

Medically necessary dental extractions limited to:
(a) root canal
(b) therapeutic pulpotomy (excluding final restoration)

Access to Contracted Provider's preferential rates³

No benefit

Access to Contracted Provider's preferential rates³

No benefit

80% coverage;

One (1) treatment per Policy Year

50% coverage;

One (1) treatment per Policy Year

Note: Policy Year refers to the period of insurance of twelve (12) consecutive months starting from the commencement date of the policy and each consecutive period of twelve (12) months for which the policy remains in force.

All benefits except Emergency Dental Services are subject to a 90-day waiting period. For more details on the benefits and exclusions, please refer to the Policy Contract.

¹ Contract refers to approved panel of dental clinics
² Out-Of-Contract refers to dental clinics not in the approved panel
³ Rate is subject to change at the discretion of the clinic


You can choose from 3 plan types with affordable premiums.

PremiumCLASSIC PLANPLATINUM PLANVIP PLAN

Monthly Premium

S$19.90

S$29.90

S$39.90

Annual Premium

S$238.80

S$358.80

S$478.80


Dental Insurance Plan FAQs

  1. Who can apply for this Policy?

  2. This Policy is designed exclusively for POSB customers (including foreigners) aged between 18 and below 60 years and residing in Singapore. You can apply the Policy for yourself, or jointly with your spouse.

     

  3. Is it compulsory that I use a dentist under the Contract Providers for treatment only?


    You have a choice of visiting a Contract Provider clinic or an Out-of-Contract dental clinic.

    To fully enjoy the benefits of the policy, we recommend that you visit the Contract Provider clinics for these reasons:
    1. The clinics carry information of the policy and will be able to guide on the covered procedures.
    2. Cashless visit as long as treatment is covered and falls within the benefit limit and the annual benefit limit.
    3. You will enjoy the Contract Provider's preferential rates for any treatment not covered by the policy.
  4.  

  5. Where can I find the list of Contract Providers?

  6. Please click here for the list of approved dental clinics.

     

  7. Are pre-existing conditions covered?

  8. Pre-existing conditions are excluded. Pre-existing condition refers to any Dental service that you have received or condition you have been advised or would have reasonably known to require treatment by a Dentist during the twelve (12) months prior to the Policy Commencement Date.

     

  9. What is a Waiting Period and how does it work?

  10. Waiting period refers to a period of time for which no benefits are payable. For this Policy, the waiting period is 90 days from the commencement date of the policy and applies to all benefits except for Emergency Dental Services benefit.

     

  11. I am issued a MSIG Dental Insurance card. What is the purpose of having the card?

  12. The Dental Insurance card states your policy number and enables the clinic to verify your coverage for you to enjoy the services. Please produce your card each time you visit the Contract Provider dental clinic.

     

  13. Why are there Out-of-Contract and Contract Provider dental clinics?

  14. We offer cashless services for our customers at Contracted Provider dental clinics for covered treatments. By extending cover to Out-of-Contract dentist, we ensure flexibility to customers who wish to visit their dentists who are not within our network of Contracted Providers.

     

  15. Can I make a claim for overseas dental treatment?

  16. Yes, you may claim for overseas treatment in event of an emergency.

     

  17. If I claimed for the full policy limit, can I buy another MSIG Dental policy?

  18. Each person is eligible for one MSIG Dental policy only.

     

  19. Can I change the Policy plan mid term?

  20. Any change of plan is permissible upon the next policy renewal or anniversary date only. You need to submit your request in writing not more than 30 days before the renewal of your policy. There is no penalty incurred for a change of plan. The premium will be adjusted according to the plan selected at the policy renewal or anniversary date.

     

  21. If I am covered by another dental policy, can I make a dental claim for the same treatment under both policies?

  22. No, you can't. If you have another dental policy e.g. an employer sponsored policy, you are advised to claim under that policy first before claiming under your MSIG Dental policy.

     

  23. How do I make a claim?


    Please call the MSIG Dental Assist 24 hour hotline at 6827 2418 before visiting the dentist. This will not apply in an emergency situation.

    The claim procedures depend on whether treatment is done at a Contract Provider or Out-Of-Contract clinic.
    1. a.Contract Provider: MSIG will settle your claim directly with the clinic. If the treatment cost is covered under the policy, you will not be required to pay for the visit.
    2. b.Out-Of-Contract Provider: You need to complete a claim form with the dentist and send the form together with the original receipts and medical reports to MSIG within 30 days of the treatment to recover your expenses. You can download the claim form here.
  24.  

  25. Why do I need to call the MSIG Dental Assist hotline before I make a claim?

  26. This way, we could assist you to check out a Contract Provider clinic, the insured benefits and benefit limits to ensure your claim will be processed promptly.

     

  27. Is the completion of a Claim form compulsory in order to make a claim under the policy?

  28. The completion of a Claim Form is necessary only in respect of expenses incurred at Out-of-Contract providers. Original bills and receipts, medical reports (if any) are to be submitted together with the Claim form. MSIG will settle claims for expenses incurred at Contract Providers directly with the dental clinic.

     

  29. Do I get a refund if I cancel my policy?

  30. Yes, you will receive a pro-rated refund of premium paid from the date of cancellation provided no claim has arisen and the amount refundable is more than S$10.

     

  31. What if I have more questions about this insurance?

  32. Please contact MSIG Insurance Customer Centre at 6827 7607 (Mon – Fri, 8.45am – 5.30pm) or email your questions to banca_d@sg.msig-asia.com.


Please call MSIG 24-hour Dental Assist hotline at 6827 2418 before your visit to the dentist. MSIG will advise you on the covered benefits and limits and the necessary documents for your claims submission. It is not necessary for you to call in an emergency situation.

A) For visits to panel of approved dental clinics

You are not required to submit the claim for dental treatments covered under the Policy. MSIG will settle the expenses directly with the clinic.

For dental treatments not covered under the Policy, you would have to bear the cost and settle the expenses directly with the clinic.

Please click here for the list of approved dental clinics.

B) For visits to a non-panel dental clinic

  1. Bring the Claim Form with you on your visit to the clinic. Download the Claim Form here.
  2. Ask the attending doctor to complete the “Medical Report” section of the form. The fee for obtaining the medical report, if any, shall be borne by you.
  3. Submit the completed Claim Form along with the necessary supporting documents to MSIG within 30 days of the treatment.

    The supporting documents should include:
    a. Original completed dental Claim Form
    b. Original final bills or receipts
    c. Dental X-rays, if any

    MSIG will contact you for any additional documents that may be required.

For more details on the Claims Conditions, please refer to the Policy Contract and Product Summary. For enquiries on your claim, please contact MSIG at 6827 7607 (Monday – Friday, 8.45am to 5.30pm, excluding public holidays).

Please refer to the policy wordings for the full details of the terms, conditions and exclusions of this insurance.

Terms and Conditions Governing Purchase of Insurance Products from MSIG Insurance via the POSB website

Disclaimers

Dental Insurance is underwritten by MSIG Insurance (Singapore) Pte. Ltd. ("MSIG Insurance") and distributed by DBS Bank Ltd ("DBS"). It is not an obligation of, deposit in or guaranteed by DBS. You'll find the precise terms, conditions and exclusions of this plan in the Policy Contract. What you read here is for general information only and is not a contract of insurance and has not been tailored to your specific investment objectives, financial information and particular needs. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Do speak to a financial adviser and obtain the product summary to read before deciding whether the product suits you. A product summary may be obtained from MSIG Insurance. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.

This Policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your Policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact MSIG Insurance or visit the General Insurance Association or SDIC websites (www.gia.org.sg or www.sdic.org.sg).