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Wisdom Tooth · MediSave Guide
MediSave Claims for Wisdom Tooth Surgery in Singapore: Limits, Eligibility & Process (2026)
Direct Answer
MediSave applies to surgical wisdom tooth removal only — not simple extraction of a fully erupted tooth. The procedure must involve a gum incision, bone removal, or tooth sectioning and be classified under the MOH Table of Surgical Procedures (TOSP). For Singapore Citizens and PRs, withdrawal limits range from S$720 to S$2,740 per session depending on how many teeth are removed and whether tooth division is required, effective 1 April 2025.
The MediSave table that applies to your case cannot be confirmed without an OPG X-ray. At Dentalis, Tanjong Pagar, the TOSP classification and your exact out-of-pocket cost are confirmed in writing before any procedure is scheduled. Our complete wisdom tooth extraction guide for Singapore patients covers all impaction types, surgery, and recovery alongside MediSave context.
At a Glance
MediSave for Wisdom Tooth Surgery — Key Facts
MediSave Range
S$720–S$2,740
Total claimable per session (Tables 1B–4B) · Effective 1 April 2025
Simple Extraction
Not Claimable
Fully erupted tooth with no bone involvement — CHAS only
Who Can Claim
Citizens & PRs
Own account or immediate family member's account
TOSP Confirmed By
OPG X-ray
Not by phone or symptoms · Clinical assessment required
Consultation + OPG
S$98
At Dentalis · Before GST · CHAS subsidy applicable
Claim Submitted By
The Clinic
Dentalis submits MCAF electronically on your behalf · No portal login needed
Eligibility
When Can MediSave Be Used for Wisdom Tooth Extraction?
MediSave eligibility is determined by the surgical classification of the procedure — not by symptoms, pain level, or patient preference. The critical distinction is whether the wisdom tooth requires surgical access to remove. Note that pain does not determine MediSave eligibility — a painful but fully erupted tooth may not qualify, while a painless but deeply impacted tooth may qualify for the highest table. For understanding why wisdom teeth cause pain and what pericoronitis involves, see our wisdom tooth pain and pericoronitis guide.
MediSave applies ✓
- Wisdom tooth is impacted — partially or fully buried beneath gum or bone
- Gum incision is required to access the tooth
- Bone removal is needed to expose the tooth crown
- Tooth must be divided (sectioned) into pieces for removal
- Multiple wisdom teeth removed in one surgical session
- Surgical consumables (sutures, irrigation) up to S$300 per session
MediSave does NOT apply ✗
- Simple extraction of a fully erupted wisdom tooth with no bone involvement
- Consultation and clinical assessment fees
- OPG panoramic X-ray or CBCT imaging fees
- Prescribed antibiotics and pain medication
- Non-surgical dental procedures in the same visit
- Post-operative review appointments
Important: MediSave eligibility is determined by whether the surgical procedure meets the MOH TOSP criteria — not by whether the tooth is painful. An asymptomatic fully buried wisdom tooth may qualify for Table 3A (the highest single-tooth limit) if it requires bone removal and tooth division to extract. A painful wisdom tooth that erupts fully and can be removed as a simple extraction does not qualify at all. Only an OPG X-ray and clinical assessment can determine which applies.
→ Impacted wisdom tooth guide — types, symptoms, surgery options and nerve proximity
Current TOSP Figures
MediSave Withdrawal Limits for Wisdom Tooth Surgery — 2026
These are the correct limits effective 1 April 2025 per the CPF Board. The TOSP table assigned to your case determines the maximum amount claimable. The surgical consumables limit of S$300 is included within the total claimable amount shown.
| TOSP Table | Procedure Description | Teeth | Surgical Limit | Consumables | Total Claimable |
|---|---|---|---|---|---|
| Table 1B | Bone removal, no tooth division | 1 | S$420 | S$300 | S$720 |
| Table 2C | Bone removal + tooth division | 1 | S$1,120 | S$300 | S$1,420 |
| Table 3A | Completely buried in bone, bone removal + division | 1 | S$1,390 | S$300 | S$1,690 |
| Table 3B | Bone removal, no tooth division | 2–3 | S$1,740 | S$300 | S$2,040 |
| Table 3C | Bone removal + tooth division | 2–3 | S$1,920 | S$300 | S$2,220 |
| Table 4A | Bone removal, no tooth division | 4 | S$2,380 | S$300 | S$2,680 |
| Table 4B | Bone removal + tooth division | 4 | S$2,440 | S$300 | S$2,740 |
Source: CPF Board MediSave Withdrawal Limits, effective 1 April 2025. The consumables limit (S$300) covers surgical items including sutures and irrigation solutions — it is included within the total figure shown, not added separately. TOSP classification is assigned by the treating dentist after clinical assessment and OPG X-ray.
Your Specific Case
How Is the MediSave Table Determined for Your Case?
The TOSP table that applies to your wisdom tooth surgery is determined by two clinical factors — confirmed only after an OPG X-ray and clinical examination. A phone estimate is not possible.
Factor 1 — Number of teeth treated in one session
Tables 1B, 2C, and 3A apply to one tooth per surgical session. Tables 3B–3C apply to two or three teeth. Tables 4A–4B apply to four teeth. Treating more teeth in one session moves the applicable table upward, increasing the MediSave limit proportionally.
Factor 2 — Whether tooth division is required
Within each session-size group, the higher table applies when the tooth must be divided into sections during removal — a technique used when the tooth cannot be safely extracted in one piece due to root shape, depth, or angle. Bone removal alone (no division) attracts the lower table. Bone removal plus tooth division attracts the higher table.
Table 3A — completely buried tooth
Table 3A is a specific classification for a single tooth that is completely buried within the jawbone — the most complex single-tooth scenario. It applies regardless of the number of sections the tooth is divided into, and carries the highest single-tooth MediSave limit of S$1,690 total.
In practice at Dentalis: Dr Jonathan Liu confirms the TOSP classification at your first consultation after reviewing the OPG X-ray. The classification, the resulting MediSave entitlement, and the cash top-up (if any) are set out in a written estimate before any procedure is booked. You leave the consultation knowing exactly what you will pay — before committing to surgery.
What You Actually Pay at Dentalis
Out-of-Pocket Cost Scenarios — Dentalis Fees, June 2026
Each scenario shows the MediSave surgical limit (SF code from the MOH TOSP) plus the S$300 surgical consumables allowance. The consultation and OPG X-ray (S$98) and medication are paid in cash separately. GST at 9% applies to both the cash-pay and MediSave portions.
Scenario A · Table 1B (SF812T)
1 tooth · bone removal · no tooth division
Consultation & OPG X-rayS$98
Surgical removalS$420
Surgical consumablesS$300
MediSave Table 1B−S$420
MediSave consumables−S$300
Cash out-of-pocketS$98 + GST
Surgical and consumables fees fully covered by MediSave. Cash is the consultation, X-ray, and GST on all components.
Scenario B · Table 2C (SF813T)
1 tooth · bone removal + tooth division
Consultation & OPG X-rayS$98
Surgical removalS$1,120
Surgical consumablesS$300
MediSave Table 2C−S$1,120
MediSave consumables−S$300
Cash out-of-pocketS$98 + GST
Surgical and consumables fees fully covered by MediSave. You pay the consultation, X-ray, and GST on all components.
Scenario C · Table 3A (SF810T)
1 tooth · completely buried in bone
Consultation & OPG X-rayS$98
Surgical removalS$1,390
Surgical consumablesS$300
MediSave Table 3A−S$1,390
MediSave consumables−S$300
Cash out-of-pocketS$98 + GST
Most complex single-tooth case. Surgical and consumables fees fully covered by MediSave at Table 3A.
Scenario D · Table 3C (SF800T)
2–3 teeth · bone removal + tooth division
Consultation & OPG X-rayS$98
Surgical removalS$1,920
Surgical consumablesS$300
MediSave Table 3C−S$1,920
MediSave consumables−S$300
Cash out-of-pocketS$98 + GST
Surgical and consumables for 2–3 teeth fully covered. Cash is the consultation, X-ray, and GST on all components.
GST at 9% applies to the cash-pay and MediSave portions. CHAS cardholders can additionally reduce the consultation and X-ray fees. Medication is separate and charged in addition. All figures before 9% GST.
→ Full cost guide — all CHAS tiers, public vs private comparison, complete fee schedule
Estimate Your Cost
MediSave Calculator — Dentalis Fees 2026
Select your likely scenario to see an estimated out-of-pocket breakdown. Your actual TOSP table is confirmed by your treating clinician after an OPG X-ray — this calculator uses current Dentalis fees as the baseline.
All figures before 9% GST. TOSP table assigned by the treating clinician after OPG X-ray — not by phone or self-assessment. Nerve-proximity cases may require CBCT and are assessed individually. Source: CPF Board MediSave Withdrawal Limits, effective 1 April 2025.
Using Another Account
Can I Use a Family Member's MediSave?
Yes. MediSave can be used from an immediate family member's account with their consent. The patient undergoing surgery does not need to be a Singapore Citizen or PR — only the MediSave account holder must be.
| Account Holder | Eligible? | Condition |
|---|---|---|
| Yourself | Yes | Must be Singapore Citizen or PR |
| Spouse | Yes | Must be Singapore Citizen or PR · consent required |
| Children | Yes | Must be Singapore Citizen or PR · consent required |
| Parents | Yes | Must be Singapore Citizen or PR · consent required |
| Grandparents | Yes | Must be Singapore Citizen or PR · consent required |
| Siblings | Yes | Must be Singapore Citizen or PR · consent required |
| Foreign national patient | Yes (as patient) | Can use a qualifying family member's MediSave — the patient does not need to be a Singapore Citizen or PR |
At Dentalis, we clarify family account eligibility at the first consultation. Both the patient's and the account holder's NRICs are needed on the day of surgery. The account holder does not need to be present — consent is captured via the Medical Claims Authorisation Form (MCAF) signed before the procedure.
Know the Limits
What MediSave Does Not Cover for Wisdom Tooth Treatment
Understanding what falls outside MediSave prevents surprises on the day of surgery. These components are paid in cash — though CHAS and dental insurance may apply to some of them.
| Component | MediSave? | Alternative Subsidy |
|---|---|---|
| Simple extraction (fully erupted tooth) | No | CHAS Blue: S$68.50 per tooth |
| Consultation fee | No | CHAS Blue: S$20.50 per visit (up to 2/year) |
| OPG panoramic X-ray | No | CHAS Blue: S$11.00 per exposure (up to 6/year) |
| CBCT 3D scan | No | None — cash only |
| Antibiotics and analgesics | No | None — cash only (typically S$12–S$50) |
| IV sedation | Partial in some cases | Confirm at assessment — not guaranteed |
| Inhalation sedation | No | None — cash only |
| Post-operative review | No | None — cash only (S$0–S$80 per visit) |
At Dentalis, the wisdom tooth consultation and OPG X-ray is S$98 before GST. This is the cash component that applies regardless of MediSave status. GST applies to the patient cash balance, and separately to the MediSave-covered portion.
Step by Step
How the MediSave Claim Process Works at Dentalis
The claim is handled by the clinic — patients do not need to log into the CPF portal or manage paperwork themselves. Here is the full sequence.
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Consultation and OPG X-ray Dr Jonathan Liu conducts a clinical assessment and reviews your OPG panoramic X-ray (S$98 before GST, includes examination and imaging). The X-ray confirms whether your wisdom tooth qualifies as surgical and determines the applicable TOSP table. This is the only accurate way to confirm MediSave eligibility — symptoms or a phone description are not sufficient.
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Cost Estimate You receive a cost estimate showing the surgical fee, the TOSP classification, the MediSave withdrawal amount, and any cash top-up required. If you plan to use a family member's MediSave, this is confirmed at this stage. You are not committed to proceeding — the estimate is provided for your decision.
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Medical Claims Authorisation Form (MCAF) When you are ready to proceed, you sign the Medical Claims Authorisation Form (MCAF) — the CPF Board document that authorises the MediSave withdrawal. If using a family member's account, the account holder must also sign; they do not need to be present. You can check your MediSave balance in advance via the CPF mobile app or through SingPass. Bring your NRIC (and the account holder's NRIC if using a family member's account) on the day of surgery.
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Surgery Wisdom tooth surgery at Dentalis is performed by Dr Jonathan Liu or visiting oral and maxillofacial surgeon Dr Albert Lee Ming Hsien (FAMS, SDC D22238J) — confirmed at consultation based on case complexity. Surgery is performed under local anaesthesia — Calaject computer-controlled delivery significantly reduces the discomfort of the injection. The procedure typically takes 30–60 minutes per tooth. Post-operative care plan and medical leave are provided before discharge. For what to expect during recovery, see our wisdom tooth recovery guide.
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Electronic Claim Submission The clinic submits the MediSave claim electronically to CPF Board on your behalf on the day of surgery. If the MediSave account has sufficient balance, the deduction is processed within days and the clinic is paid directly. You pay any cash balance (consultation, X-ray, and any surgical shortfall) on the day.
If MediSave balance is insufficient: The clinic will discuss payment arrangements with you at the estimate stage. Some patients use a combination of their own MediSave and a family member's account if their personal balance does not cover the surgical fee in full.
Combining Subsidies
How MediSave and CHAS Work Together
For CHAS cardholders having surgical wisdom tooth removal at a CHAS-accredited, MediSave-accredited clinic like Dentalis, both subsidies can be applied in the same visit. MediSave covers the surgical fee. CHAS reduces the consultation and X-ray costs separately.
| CHAS Card Type | Consult subsidy | X-ray subsidy (per exposure) | Simple extraction (per tooth) |
|---|---|---|---|
| Pioneer Generation | S$30.50 | S$21.00 | S$78.50 |
| Merdeka Generation | S$25.50 | S$16.00 | S$73.50 |
| CHAS Blue | S$20.50 | S$11.00 | S$68.50 |
| CHAS Orange | S$13.50 | S$7.50 | S$45.50 |
Source: CHAS Dental Subsidies Schedule, effective 1 October 2025. CHAS does not apply to the surgical extraction fee — that is covered by MediSave. Bring your CHAS card to every visit.
Combined example — CHAS Blue + MediSave Table 2C at Dentalis
Consultation S$80 − S$20.50 CHAS BlueS$59.50
Surgical removal S$1,120 − S$1,120 MediSaveS$0
Surgical consumables S$300 − S$300 MediSaveS$0
Total cash out-of-pocket~S$59.50 + GST
GST applies on the S$59.50 cash balance and separately on the MediSave-covered portion. Medication is additional.
→ CHAS dental subsidy at Dentalis — full breakdown by card tier
"The MediSave table that applies to a patient's case is not something we can tell them over the phone. It requires an X-ray. A Table 1B case and a Table 3A case look identical from outside the mouth — the difference of a thousand dollars is visible only on imaging. That is why the first step is always the assessment, followed by the cost estimate before scheduling the treatment."
Dr Jonathan Liu · BDS (NUS) · Principal Dentist, Dentalis · 25+ Years
Common Questions
Frequently Asked Questions — Wisdom Tooth MediSave Claims
Only for surgical extraction — not simple removal of a fully erupted tooth. The procedure must involve gum incision, bone removal, or tooth sectioning and be classified under the MOH Table of Surgical Procedures. Singapore Citizens and PRs may use their own or an immediate family member's MediSave account at a MediSave-accredited clinic.
Effective 1 April 2025: Table 1B (1 tooth, bone removal only) = S$720. Table 2C (1 tooth, bone removal + tooth division) = S$1,420. Table 3A (1 tooth, completely buried) = S$1,690. Tables 3B–3C (2–3 teeth) = S$2,040–S$2,220. Tables 4A–4B (4 teeth) = S$2,680–S$2,740. All figures include the S$300 consumables allowance. TOSP table confirmed after OPG X-ray assessment.
Yes — spouse, children, parents, grandparents, or siblings who are Singapore Citizens or PRs. The patient does not need to be a Singapore Citizen or PR — only the account holder does. At Dentalis, both NRICs are needed on the day of surgery. The account holder does not need to be present — consent is captured via the MCAF.
Table 1B: bone removal required, no tooth division — S$720 total MediSave (1 tooth). Table 2C: bone removal plus tooth sectioning — S$1,420 total. Table 3A: completely buried in bone, requires bone removal and sectioning — S$1,690 total. Higher complexity = higher table = greater claimable amount. All three cover one tooth per session.
MediSave does not cover: simple (non-surgical) extraction, consultation fees, OPG or CBCT imaging, antibiotics and pain medication, inhalation sedation, and post-operative review appointments. These are cash-pay; CHAS subsidies may reduce the consultation and X-ray costs for eligible cardholders.
OPG X-ray at consultation confirms TOSP table → written cost estimate provided → MCAF signed (account holder consent required if using family account) → surgery performed → claim submitted electronically to CPF Board by the clinic. You pay the cash balance on the day. Both NRICs needed. Account holder does not need to be present. Check your MediSave balance via SingPass in advance.
Yes — MediSave eligibility is determined by surgical classification, not by pain. A completely buried asymptomatic wisdom tooth may qualify for Table 3A if it requires bone removal and tooth division. A painful but fully erupted tooth removable as a simple extraction does not qualify. Only OPG X-ray and clinical assessment can confirm which applies.
Tanjong Pagar · Singapore CBD
Want Your Exact MediSave Entitlement Confirmed Before Deciding?
A consultation and OPG X-ray with Dr Jonathan Liu takes 20–30 minutes. You leave with your TOSP table confirmed, a written cost estimate, and the exact cash top-up — if any — before committing to surgery.
Consultation, Examination & OPG S$98 · Before GST · MediSave claim handled by the clinic
Clinical Sources
References
MediSave limits, CHAS subsidies, and TOSP classifications cited in this guide are verified against the following primary sources.
- CPF Board — MediSave Withdrawal Limits for Wisdom Tooth Removal (effective 1 April 2025). Authoritative source for TOSP table limits, consumables allowance (S$300), family account eligibility, and claim submission process. All figures in this guide are drawn from this source.
- Ministry of Health Singapore — Guide to Dental Treatment Costs (November 2025). Defines the TOSP classification criteria for dental surgical procedures including the SF code system (SF812T Table 1B through SF800T Table 4B). Used to confirm procedural classification descriptions in the withdrawal limits table above.
- CHAS Dental Subsidies Schedule (effective 1 October 2025). Source for CHAS subsidy rates by card tier for consultation, X-ray, and simple extraction — all cash components not covered by MediSave.
- Ghaeminia H et al. — Surgical removal versus retention for the management of asymptomatic disease-free impacted wisdom teeth. Cochrane Database of Systematic Reviews, 2020. Cited for evidence basis on clinical decision-making for impacted wisdom teeth — relevant to the TOSP classification section noting that asymptomatic teeth may still qualify for surgical MediSave classification when complete bony impaction is confirmed on imaging.
Medical Review & Credentials
BDS (National University of Singapore) · SDC Registration D21395J · 25+ years in general and oral surgery dentistry · Principal Dentist, Dentalis
MediSave withdrawal limits verified against the CPF Board MediSave Withdrawal Limits effective 1 April 2025. CHAS figures verified against the CHAS Dental Subsidies Schedule effective 1 October 2025. TOSP classifications verified against the MOH Guide to Dental Treatment Costs. Dentalis fee schedule current as of June 2026. Last reviewed: June 2026. Next scheduled review: December 2026.
Dentalis is a MediSave-accredited and CHAS-accredited private dental clinic at 52 Craig Rd, Tanjong Pagar, Singapore 089690 — accessible from Maxwell MRT (Thomson-East Coast Line, Exit 3), Tanjong Pagar MRT (East-West Line, EW15), and Outram Park MRT (EW16/NE3/TE17). Recipient of three global awards in 2026. Rated 5.0 from 136 Google reviews.
This guide is for informational purposes only. MediSave eligibility and TOSP classification are confirmed at clinical assessment. Subsidy limits are subject to CPF Board and MOH policy changes — verify current figures at cpf.gov.sg.