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Dental insurance in Singapore: Your guide to dental coverage options

Here at WeSmile Dental, we’re excited to announce that we are now a direct billing partner of AIA and IHP, making it even more convenient for patients covered under their insurance plans. We understand that dental health is an essential aspect of your overall well-being, and it’s our mission to make sure you have access to the best dental care. In this guide, we’ll take you through the ins and outs of dental insurance in Singapore, helping you make informed decisions about how you can take charge of your oral health with the added convenience of direct billing through WeSmile Dental.

What are some of the dental insurance plans in Singapore?

When it comes to dental insurance in Singapore, there are several options to choose from, each offering different plans and coverage levels. We’ll provide a brief overview of some of the well-known dental insurance plans and the common dental services they typically cover.

WeSmile Dental’s direct billing partnerships:

Direct billing is a game-changer in the realm of dental insurance, significantly enhancing the convenience for patients seeking dental care. When a dental clinic offers direct billing, it means that the clinic can submit insurance claims directly to the insurance provider on behalf of the patient.

This eliminates the need for patients to pay the full amount upfront and then go through the hassle of filing a claim for reimbursement. Patients can focus on their oral health without the added burden of navigating complex insurance paperwork, ensuring a seamless and efficient experience from check-in to check-out.

Direct billing for AIA Dental Insurance

As a direct billing partner of AIA, WeSmile Dental ensures a seamless experience for patients covered under their insurance plans. AIA is a reputable insurance provider in Singapore, offering various dental insurance plans tailored to meet the diverse needs of individuals and families.

Common dental services covered by AIA Dental Insurance with WeSmile Dental’s direct billing:

  1. Routine check-ups: AIA dental insurance usually covers routine dental check-ups, which include examinations and cleanings to maintain your oral health.
  2. X-rays: X-rays may be covered to help diagnose dental issues and plan treatment effectively.
  3. Fillings: The cost of dental fillings, often required to treat cavities, is typically covered.
  4. Root canal treatment: AIA insurance may cover root canal treatment, a procedure to save a tooth with an infected or damaged pulp.
  5. Extractions: Basic extractions, such as removing wisdom teeth, are generally included in their coverage.
  6. Minor oral surgery: Certain oral surgical procedures may be covered under AIA dental insurance.

AIA may offer different plans with varying levels of coverage, so it’s essential to review the specific details of the plan you choose.

Direct billing for IHP Dental Insurance

WeSmile Dental is pleased to be a direct billing partner of IHP, providing added convenience for patients covered under their dental insurance plans. Integrated Health Plans (IHP) offers dental insurance plans that focus on maintaining and improving your dental health.

Common dental services covered by IHP Dental Insurance with WeSmile Dental’s direct billing:

  1. Preventive care: Routine dental check-ups, cleanings, and X-rays are often covered to keep your oral health in check.
  2. Restorative procedures: IHP dental insurance usually covers restorative services like fillings, crowns, and bridges.
  3. Orthodontic treatments: Some IHP plans may offer coverage for orthodontic treatments such as braces and retainers, making it easier for you or your family members to get the care you need.

IHP offers a range of plan options, and it’s essential to explore their offerings to select the one that best matches your dental health requirements.

Other dental insurance with no direct billing:

Without direct billing, patients must pay the full cost upfront for dental services. They are then responsible for independently collecting detailed invoices, receipts, and necessary documentation to submit a claim to their insurance provider. Following submission, there is typically a waiting period for the claim to be processed, during which the insurance company assesses the documentation provided by the patient.

Chubb Dental Insurance

Chubb is another trusted insurance provider that offers dental insurance plans designed to cater to different dental needs.

Common dental services covered by Chubb Dental Insurance:

  1. Preventive care: Chubb dental insurance often covers preventive dental services like regular check-ups, cleanings, and routine X-rays.
  2. Restorative procedures: Coverage typically includes fillings, crowns, and bridges for restoring damaged or missing teeth.
  3. Orthodontic treatment: Some Chubb plans may also offer coverage for orthodontic treatments, such as braces or Invisalign, which can be beneficial for both children and adults.
  4. Periodontal (Gum) treatment: Gum disease treatment, including scaling and root canal treatements.
  5. Oral surgery: Minor oral surgeries and extractions are typically covered.
  6. Endodontic treatment: Root canal therapy, an essential restorative procedure, is generally included in Chubb’s dental insurance.

Chubb may provide various plan options, so it’s advisable to explore their offerings to select the one that aligns best with your dental health needs.

DBS Dental Insurance

DBS Bank offers dental insurance plans that aim to provide comprehensive dental coverage while remaining affordable.

Common dental services covered by DBS Dental Insurance:

  1. Regular check-ups: DBS dental insurance often covers routine dental check-ups, which are essential for preventive care.
  2. Restorative procedures: Coverage includes services like fillings, crowns, and bridges for restoring damaged or missing teeth.
  3. Orthodontics: Some DBS plans may offer coverage for orthodontic treatments, such as braces or Invisalign.
  4. Major dental work: DBS dental insurance may cover major dental procedures, including dental implants, to help you maintain a healthy smile.
  5. Endodontic care: Root canal treatment, a crucial service for saving damaged teeth, is typically included in their coverage.

DBS Bank may have various plans available, so it’s advisable to evaluate their options to find the one that best suits your dental health needs and budget.


Keep in mind that the specifics of dental insurance plans can vary, and the services covered may depend on the plan you choose. It’s advisable to carefully review the policy documents and discuss any questions or concerns with the insurance provider to ensure you understand the extent of your coverage. Ultimately, the right dental insurance plan for you will align with your unique oral health needs and financial considerations.

How much does dental insurance usually cost?

The cost of dental insurance in Singapore can vary significantly depending on the provider, the coverage level, and your personal circumstances. Typically, dental insurance plans can range from as low as SGD 15 per month for basic coverage to around SGD 100 or more for comprehensive policies. Here are some factors that can influence the cost of your dental insurance:

Coverage level

The extent of coverage you choose will have a direct impact on the cost of your dental insurance. Basic plans usually cover preventive care, such as regular check-ups and cleanings, while more extensive plans may include coverage for major dental procedures like crowns, implants, and orthodontic treatments.


Your age can also affect the cost of your dental insurance. Younger individuals often pay lower premiums than those in older age groups. Insurers consider age as a factor because older individuals tend to require more dental care.

Existing dental health

Some dental insurance providers may take your current oral health into account. If you have pre-existing dental conditions that require immediate attention, your premium may be higher.

Provider network

Many dental insurance plans have a network of affiliated dentists. If you choose a dentist within the network, you may receive discounts or additional coverage benefits. However, if you prefer to see a dentist outside the network, your out-of-pocket costs may be higher.

It’s essential to carefully evaluate your needs and budget to determine which dental insurance plan is the most suitable for you. We recommend reaching out to insurance providers directly or working with an insurance agent to get quotes tailored to your situation.

Does dental insurance cover the following dental services?

When considering dental insurance, it’s essential to understand what types of dental services are typically covered. Coverage can vary between plans, so it’s crucial to review the policy details provided by your chosen insurance provider. Here’s a breakdown of common dental services and whether they are typically covered by dental insurance:

Dental cleaning (Scaling & polishing)

dental cleaning scaling and polishing dental insurance at WeSmile Dental clinic

Coverage: Dental cleaning, including regular check-ups and cleanings, is typically covered by dental insurance plans. Preventive care is a core component of most policies.

Considerations: Be aware of any waiting periods or frequency limitations on cleanings imposed by your insurance plan.


Coverage: Dental insurance plans often cover bridges, but the extent of coverage can vary. Some plans may cover a portion of the cost, while others might cover the full expense.

Considerations: It’s important to understand any waiting periods or limitations associated with bridge coverage. Pre-existing conditions may also impact coverage.

Dental surgery

Coverage: Dental surgery is typically covered by dental insurance, especially if it is deemed medically necessary. However, elective or cosmetic surgeries may not be covered.

Considerations: Check if there are any pre-authorisation requirements or restrictions related to specific surgical procedures.


Coverage: Dental insurance plans often cover crowns, but the level of coverage may differ. Some plans may cover the full cost, while others may cover a percentage of the expense.

Considerations: Understand any waiting periods or exclusions related to crown coverage. Coverage for crowns on pre-existing teeth might be limited.

Dental implants

Coverage: Dental implants are often considered a major procedure and may not be fully covered by all dental insurance plans. Some plans may provide partial coverage, while others may exclude them altogether.

Considerations: If dental implant coverage is essential to you, look for plans that specifically include this procedure, or consider more comprehensive policies.

Teeth bonding

Coverage: Dental insurance plans may cover teeth bonding, particularly if it’s for restorative or medically necessary purposes. Cosmetic bonding may not be covered.

Considerations: Check for coverage limits or pre-authorisation requirements related to teeth bonding.

invisalign dental insurance at WeSmile Dental clinic


Coverage: Invisalign treatment is often considered an orthodontic procedure. Some dental insurance plans cover orthodontics, which may include Invisalign, while others may not.

Considerations: If you or your child require Invisalign, check the policy details to determine if it’s covered and to what extent.

Root canal treatment

Coverage: Root canal treatment is generally covered by dental insurance plans as it is often necessary for the preservation of a tooth.

Considerations: Understand any waiting periods, coverage limits, or pre-authorisation requirements for root canal treatments.

Night guards

Coverage: Dental insurance plans may cover night guards, especially if they are recommended for medical reasons, such as to treat bruxism (teeth grinding).

Considerations: Verify the coverage details, such as any requirements for a dentist’s prescription or diagnosis.

It’s important to note that dental insurance policies can differ in terms of coverage and exclusions. Before choosing a plan, review the policy documents carefully, and if you have specific dental needs, consider discussing them with the insurance provider to ensure they are adequately covered.

Are there any dental insurance plans for children?

While there are no dental insurance plans designed exclusively for children, some providers may offer family discounts in the form of a premium discount (or what is known as a free child discount) to benefit families with children. Here are some key points to consider:

  • Number of children: Free child discounts typically extend coverage to all children beyond a family’s second child at no extra cost. This may help in providing additional savings for families with more children.
  • Age limits: Be sure to check the age limits for children’s coverage, as they can vary among different insurance providers. Some plans may cover children up to a certain age or until they finish full-time education.
  • Orthodontic coverage: If your child requires orthodontic treatment like braces or Invisalign, inquire about the coverage for such procedures. Some policies may cover orthodontic work as part of their comprehensive dental care.

It’s therefore essential to consult with an insurance agent or provider to explore dental insurance plans with family discounts that cater to your child’s oral health needs, whether it’s for routine check-ups, cavity treatments, or orthodontic care.

What should I consider when choosing my dental insurance plan?

Choosing the right dental insurance plan is essential to ensure you receive the coverage you need for your oral health needs. Here are several key factors to consider when selecting a dental insurance plan:

  1. Coverage options
    • Preventive care: Look for coverage that includes routine check-ups, cleanings, and X-rays. Preventive care is crucial for maintaining good oral health.
    • Basic services: Ensure that the plan covers common procedures like fillings, extractions, and root canals.
    • Major services: If you anticipate needing more extensive dental work, such as crowns, bridges, or dentures, make sure the plan includes these services.
    • Orthodontic coverage: If you or your family members may need orthodontic treatment like braces, check if the plan provides orthodontic coverage.
  2. Coverage for pre-existing conditions
    • Some plans may not cover pre-existing dental conditions immediately. Find out how pre-existing conditions are handled under the plan.
  3. Coverage for emergency care
    • Ensure that the plan provides coverage for emergency dental services, such as sudden toothaches or injuries.
  4. Exclusions and limitations
    • Carefully review the plan’s exclusions and limitations to understand what is not covered.
  5. Waiting periods
    • Some dental insurance plans may have waiting periods before they cover certain services, especially major procedures. Be aware of these waiting periods, and consider how they may affect your immediate dental needs and dental appointment schedule.
  6. Network of providers
    • You might consider selecting a plan that offers an extensive and dependable network of dental care providers.
  7. Cost and premiums
    • Assess the cost of monthly premiums, co-pays, and any out-of-pocket expenses. Choose a plan that fits your budget.

Remember that each individual’s dental needs may vary, so it’s important to assess your unique requirements and financial situation when choosing a dental insurance plan. Additionally, consider consulting with a dental professional or insurance specialist for guidance in making an informed decision.

Can I use my dental insurance at WeSmile Dental?

dental insurance at WeSmile Dental clinic

At WeSmile Dental, your oral health is our top priority. While we aim to provide you with exceptional care, we strongly advise you to check with your insurance provider for more information on claiming process before booking an appointment with us. Here are the step-by-step guide on how you can claim for your dental services at WeSmile Dental:

  1. Contact your insurance provider: Before scheduling an appointment, it’s a good idea to get in touch with your dental insurance provider and check if they can reimburse your dental claims. They can also provide you more information on your coverage and any pre-authorisation requirements.
  2. Schedule your appointment: Once you’ve confirmed your coverage, you can book your dental appointment with us. We offer a range of dental services, from routine check-ups to more complex procedures, and our team is dedicated to ensuring your oral health.
  3. Pay for your dental services:
    • For those with Direct Billing (AIA & IHP): You will not need to pay upfront; the billing will be settled directly with your insurance provider and you will not need to continue with steps 4 & 5!
    • For those without Direct Billing: You will pay the full amount at WeSmile Dental and remember to get a payment receipt!
  4. Submit for reimbursement: Submit your dental claim and supporting documents to your insurance provider as per their processes.
  5. Receive your reimbursement: Once your claim is processed by your insurance company, they will determine the amount of reimbursement you are eligible for based on your policy’s coverage. The reimbursement will be sent to you, depending on your insurance company’s procedures.

Smile secure: navigating dental insurance in Singapore

Dental insurance is a valuable tool in maintaining your oral health and ensuring that you have access to necessary dental treatments when needed. Whether you’re looking for coverage for yourself, your children, or your entire family, Singapore offers a variety of dental insurance plans to choose from. By understanding your dental coverage, you can ensure that your dental health is well taken care for!

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