Features & Benefits

With Dental Insurance underwritten by MSIG Insurance, your visit to any of the approved clinics island-wide* will be cashless! What’s more, MSIG Insurance’s 24-hour dental hotline is ready at your service whenever you need advice or assistance.

  • Preventive checks, dental radiology, root canal treatment, and other benefits
  • High Annual limit of S$2,000 for VIP Plan
  • 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. Please call MSIG 24-hour Dental Assist hotline at 6827 2418 to get the updated list before your visit to the dentist.

# 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.

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

  
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 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

100% coverage;
(1 visit per Policy Year)

Up to S$55;
(1 visit per Policy Year)

100% coverage;
(1 visit per Policy Year)

Up to S$55;
(1 visit per Policy Year)

100% coverage;
(1 visit per Policy Year)

Up to S$55;
(1 visit per Policy Year)

Dental Radiology Benefits

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

Access to Contracted Provider's preferential rates3

No benefit

100% coverage;
(1 x-ray per Policy Year)

Up to S$60 per Policy Year;
(1 x-ray per Policy Year)

100% coverage;
(1 x-ray per Policy Year)

Up to S$60 per Policy Year;
(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 2 Teeth per Policy Year)

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

100% coverage;
(Max 2 Teeth per Policy Year)

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

100% coverage;
(Max 2 Teeth per Policy Year)

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

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;
(1 Tooth per Policy Year)

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

100% coverage;
(1 Tooth per Policy Year)

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

100% coverage;
(Max 2 Teeth per Policy Year)

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

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;
(1 treatment per Policy Year)

50% coverage;
(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 the 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.

 

Premium

You can choose from 3 plan types with affordable premiums.

 Classic PlanPlatinum PlanVIP Plan
Annual Premium S$238.80 S$358.80 S$478.80

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The premium is inclusive of 7% GST.

 

Frequently Asked Questions

This Policy is designed exclusively for DBS 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.

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.

Please click here for the list of approved dental clinics.


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.


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.

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.

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.

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

Each person is eligible for one MSIG Dental policy only.

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.

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.

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.

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.

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.

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.

 

How to Claim

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:
    1. Original completed dental Claim Form
    2. Original final bills or receipts
    3. 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).

 

Contact Us

Need help with your insurance?

  • Call MSIG Hotline at 6827 7607 (Mon to Fri, 8.45am to 5.30pm)
  • Click here to send us your Dental Insurance enquiry

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

Click here for full 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. You should consider carefully if you are intending to switch accident & health policies, as this might be detrimental to your current and/or future needs. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You may wish to seek advice from a financial adviser before making a commitment to purchase this policy. In the event that you choose not to seek advice, you should carefully consider whether the policy is suitable for you.

You have a free look period of 14 business days from the date you receive the Policy. If you decide to cancel the Policy within these 14 days, please inform MSIG Insurance in writing and they will cancel the Policy from its start date and refund in full premium paid provided no claim has arisen.

This Policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). For more information on the scheme, please visit the General Insurance Association or SDIC websites.