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Home / Dental Implants / MediSave for Dental Implants
MediSave Guide 2026 Edition · Singapore CBD
Updated August 2026
Using MediSave for Dental Implants in Singapore
The market-wide figure of “S$1,950 per implant” is a conflation of two separate components. Understanding the correct structure helps you calculate exactly what your MediSave can cover — and plan your actual out-of-pocket payment.
The Short Answer
MediSave covers the surgical placement of the implant fixture only under TOSP code SB816M. The claimable amount is S$1,120 per implant placed, plus a separate S$830 per day-surgery session (fixed, regardless of how many implants are placed that day). One implant in one session: S$1,950 total. Three implants in one session: S$4,190 total. The crown, abutment, consultation, and CBCT scan are not MediSave-claimable.
Medically reviewed by
Dr Jonathan Liu
· BDS (NUS) · SDC Reg. D21395J · 25+ Years
Per Implant (SB816M)
S$1,120
Surgical placement only · TOSP Table 2C · Not per-session
Day Surgery Session
S$830
Per session · Fixed regardless of implant count · CPF Board
1 Implant (Total)
S$1,950
S$1,120 + S$830 · Maximum for single-implant session
3 Implants (Total)
S$4,190
S$3,360 + S$830 · Most common multi-implant session
Session Ceiling
S$5,290
Table 7C absolute cap · Not implant-specific · Applies above 4 implants
Bone Graft (SB803M)
S$1,120
Standalone session · Table 2C · Separate from SB816M
The Correct Structure
How the MediSave Claim Is Calculated
The MediSave withdrawal limit for dental implant surgery is made up of two separate components, both sourced from CPF Board (MediSave Withdrawal Limits, effective 1 April 2025) and MOH (Table of Surgical Procedures, as of 1 January 2024).
These are two distinct charge types. They are added together to produce the total claimable amount for a session. The common market description “S$1,950 per implant” is inaccurate for any session with more than one implant — because the S$830 day-surgery component is per session, not per implant.
Component A — Per Implant
S$1,120
TOSP SB816M — Insertion of endosseous dental implant
Table 2C on the MOH Table of Surgical Procedures. Multiplied by the number of implants placed in the session. Source: MOH TOSP as of 1 January 2024; CPF MediSave Withdrawal Limits, effective 1 April 2025.
Component B — Per Session
S$830
Day-surgery ward — per day
Covers hospital/day-surgery facility charges for a day-surgery session. Fixed regardless of how many implants are placed that day. Source: CPF Board, MediSave for hospitalisation and day surgery.
Formula
(S$1,120 × number of implants) + S$830 = Total claimable
Why the S$1,950 market figure is misleading for multiple implants: S$1,950 is only the correct total for a single-implant session (S$1,120 + S$830). For two implants: S$2,240 + S$830 = S$3,070. For three implants: S$3,360 + S$830 = S$4,190. The S$830 does not multiply with the number of implants.
Multiple Implants Per Session
MediSave Claimable by Number of Implants
All figures calculated from CPF Board MediSave Withdrawal Limits (effective 1 April 2025) using the formula: (S$1,120 × implants) + S$830. Amounts are subject to CPF Board approval and sufficient available balance.
| Implants placed in one session | Surgical placement (SB816M) | Day-surgery session charge | Total MediSave claimable |
|---|---|---|---|
| 1 implant | S$1,120 | S$830 | S$1,950 |
| 2 implants | S$2,240 | S$830 | S$3,070 |
| 3 implants | S$3,360 | S$830 | S$4,190 |
| 4 implants | S$4,480 | S$830 | S$5,290 (Table 7C session ceiling applies) |
Source: CPF Board MediSave Withdrawal Limits, effective 1 April 2025 · MOH Table of Surgical Procedures, as of 1 January 2024. The S$5,290 is the CPF Board’s absolute session ceiling for the most complex operations (Table 7C) and is not an implant-specific figure. For 4 implants, the arithmetic total would be S$5,310, which is capped at S$5,290. For sessions involving five or more implants, splitting across separate sessions may allow a separate claim for each session. Subject to CPF Board approval and clinical appropriateness.
Staging Decisions
Same-Day Procedures vs Separate Sessions
When bone grafting or a sinus lift is performed in the same session as implant placement, MediSave claims interact. This affects planning decisions for patients who need preparatory bone work before an implant.
Same-day placement
When bone grafting (SB803M) and implant placement (SB816M) are performed in the same session, only one TOSP code is typically claimable — the one representing the higher-value procedure. The MediSave benefit is combined rather than stacked. The S$830 day-surgery charge applies once for the session regardless.
Benefit: Fewer appointments, shorter overall timeline, potentially lower total out-of-pocket (one set of facility fees).
Separate sessions
Where bone grafting is performed as a standalone day-surgery session, SB803M applies with its own limit (Table 2C: S$1,120 + S$830 session). When the implant is placed in a subsequent session, SB816M applies separately. Two sessions, two separate MediSave claims.
Benefit: Separate MediSave claims per session, allowing more total MediSave to be applied across the overall treatment. Appropriate where adequate healing time is clinically required between graft and implant.
Important: Session staging must be determined by clinical appropriateness and healing requirements — not by the objective of maximising MediSave claims. A dentist who stages treatment to optimise claims without clinical justification is acting contrary to CPF regulations. At Dentalis, staging decisions are made on clinical grounds and confirmed with the patient before any treatment is booked.
Who Can Claim
MediSave Eligibility for Dental Implants
Not all patients are eligible to use MediSave, and not all clinics are authorised to submit claims. Both conditions must be met.
Patient eligibility
✓
Singapore Citizen or Permanent Resident — foreigners are not eligible to use MediSave for dental implants.
✓
CPF MediSave account holder with sufficient available balance. The claimable amount is a ceiling — it cannot exceed the actual balance in the account.
✓
Procedure is medically necessary and classified as a surgical operation under the MOH Table of Surgical Procedures. Dental implant insertion under SB816M qualifies.
✓
Treatment at a MediSave-accredited clinic or day-surgery centre. Not all private dental clinics are accredited.
Clinic requirements
▶
The clinic must be registered as a MediSave-accredited dental clinic with CPF Board and MOH. Dentalis is MediSave-accredited.
▶
The treating dentist must hold an SDC registration number. Dr Jonathan Liu: SDC D21395J. Dr Albert Lee Ming Hsien: SDC D22238J.
▶
Claims are submitted electronically by the clinic. The patient does not need to file separately with CPF — the deduction is handled directly at the clinic.
▶
The TOSP code is assigned by the dentist based on the procedure performed. The patient pays only the balance remaining after MediSave is applied.
Your Own or a Family Member’s
Using Family MediSave for a Dental Implant
If your own MediSave balance is insufficient, you may use the MediSave of an immediate family member — subject to eligibility and available balance. This is permitted under CPF Board regulations and does not require the family member to be present at the clinic.
Eligible family members
- Spouse
- Parent or parent-in-law
- Child
- Sibling
- Grandparent
Conditions
- Family member must be a Singapore Citizen or PR
- Consent via MCAF signed at the clinic
- Subject to available balance
- Subject to CPF Board approval
How it works
The family member’s NRIC details are provided at the clinic. The clinic submits the claim against the family member’s account. The family member receives a MediSave Claims Statement confirming the deduction. No payment from the family member to the patient is required.
“The most common MediSave question I receive is: ‘Why does my MediSave cover less than what I was told?’ The answer is almost always that the S$830 day-surgery component was described as if it were per implant, when it is fixed per session. Understanding the correct structure before your consultation means no surprises on the day.”
— Dr Jonathan Liu · Principal Dentist and Founder · BDS (NUS) · SDC Reg. D21395J · 25+ Years
MediSave Claim Estimator
How Much MediSave Can I Claim?
Estimate your MediSave entitlement based on the number of implants placed and any related procedures. Amounts are subject to CPF Board approval and available account balance. Confirmed at consultation.
CPF Board · TOSP SB816M · Effective 1 April 2025
MediSave Dental Implant Calculator
Estimate your MediSave claim for implant surgery, bone graft, and sinus lift. Capped at S$5,290 per session (Table 7C, CPF Board).
Implant surgery (SB816M)
Related procedures (separate session only)
Patient
Note: Bone graft and sinus lift amounts shown are for standalone sessions only. When performed simultaneously with implant placement, only the higher-value TOSP code typically applies. Session cap S$5,290 (Table 7C) applies to the implant session.
Implant session — MediSave claimable
Surgical placement — SB816M (×3 implants)S$3,360
Day-surgery session charge (fixed)S$830
Implant session totalS$4,190
⚠ 4+ implants: arithmetic total exceeds S$5,290 cap (Table 7C). Capped at S$5,290 for this session.
Total MediSave claimable (all sessions)S$4,190
MediSave amounts: CPF Board MediSave Withdrawal Limits, effective 1 April 2025. TOSP classifications: MOH Table of Surgical Procedures, as of 1 January 2024. SB816M Table 2C S$1,120/implant. Day surgery S$830/session. Session cap S$5,290 (Table 7C). Amounts are ceilings subject to CPF Board approval and available balance. Not a guaranteed quotation.
WhatsApp to enquire →Step by Step
How the MediSave Claim Process Works
At a MediSave-accredited dental clinic like Dentalis, the claim process is handled by the clinic. The patient does not need to contact CPF directly or submit separate paperwork.
1
Consultation and treatment planning
Dr Jonathan Liu conducts a clinical examination and, where indicated, takes a CBCT 3D scan. The dentist identifies the relevant TOSP code and confirms your estimated MediSave entitlement. A treatment plan with itemised fees — showing the claimable amount and your out-of-pocket balance — is provided before any procedure is booked.
2
Authorisation form (MCAF)
At the surgical appointment, you (or the family member whose MediSave is being used) sign the Medical Claims Authorisation Form (MCAF). This authorises CPF Board to release funds from the MediSave account directly to Dentalis. Your NRIC is required. If using a family member’s account, their NRIC details are also required.
3
Procedure and claim submission
MediSave is applied at this stage. After the implant surgery, Dentalis submits the claim electronically to CPF Board. The approved amount is deducted directly from the MediSave account. GST (9%) is payable on the full pre-tax fee before MediSave is deducted — not on the net amount.
4
You pay the balance
You pay the remaining out-of-pocket balance at the clinic on the day of surgery. For a single Camlog implant at Dentalis: full fee S$4,500 + 9% GST = S$4,905. MediSave deducted: up to S$1,950. Estimated cash payment: approximately S$2,955+ (before any additional CHAS consultation or X-ray subsidies).
5
MediSave Claims Statement
Within a few days, CPF Board sends a MediSave Claims Statement to the MediSave account holder confirming the deduction, the procedure, and the clinic. This can be viewed in the CPF member portal (my.cpf.gov.sg) or mobile app.
Scheme Boundaries
What MediSave, CHAS, and Flexi-MediSave Do Not Cover
Understanding the boundaries of each scheme is as important as knowing what they cover. The following is a factual summary of what is excluded from each Singapore dental subsidy programme for implant patients.
MediSave
Covers: surgical fixture placement only (SB816M)
Does not cover:
- The crown or abutment
- Consultation fee
- CBCT or X-ray scan
- Temporary restoration
- Local anaesthesia (included in Dentalis surgical fee)
- Post-operative review appointments
CHAS
Covers: consultation and X-ray at CHAS-enrolled clinics
Does not cover:
- Implant surgery
- Implant crown
- Bone graft
- Sinus lift
- CBCT scan
Dentalis is CHAS-enrolled. Consultation subsidy S$13.50–S$30.50 and X-ray S$7.50–S$21.00 by tier (effective 1 October 2025).
Flexi-MediSave (60+)
Covers: permanent crowns on natural teeth + root canal at CHAS clinics
Does not cover:
- Dental implant surgery
- Implant crown
- Bone graft
- Sinus lift
Available from 1 June 2026. Up to S$400 per year. For SC/PR aged 60+ at accredited CHAS clinics only.
Common Questions
MediSave for Dental Implants — Frequently Asked Questions
Yes. MediSave covers the surgical placement of the dental implant fixture under TOSP code SB816M: S$1,120 per implant, plus S$830 per day-surgery session. The crown, abutment, consultation, and scan are not MediSave-claimable. The clinic must be MediSave-accredited, and you must be a Singapore Citizen or PR.
The claimable amount is S$1,120 per implant (TOSP SB816M, Table 2C) plus S$830 per day-surgery session. One implant in one session: S$1,950 total. Two implants: S$3,070. Three implants: S$4,190. The S$830 is fixed per session — it does not multiply with the number of implants. All amounts are subject to CPF Board approval and available balance.
S$1,950 is the correct total for a single-implant session (S$1,120 + S$830). Many clinics describe this as “per implant” because it is technically accurate for one implant — but it becomes inaccurate for two or more, since the S$830 session charge does not repeat. For two implants in one session, the total is S$3,070 — not S$3,900. This distinction matters when budgeting for multiple implants.
Yes. You may use MediSave from a spouse, parent, parent-in-law, child, sibling, or grandparent — provided they are Singapore Citizens or PRs with sufficient balance, and consent is given via the Medical Claims Authorisation Form (MCAF) signed at the clinic. The family member does not need to be present at the appointment.
Bone grafting is MediSave-claimable under TOSP SB803M (Table 2C: S$1,120, plus S$830 session charge) when performed as a standalone day-surgery session. If bone grafting and implant placement are performed in the same session, only one TOSP code is typically applicable — the one representing the higher-value procedure. Staging decisions are made on clinical grounds and confirmed at consultation.
The absolute CPF Board ceiling for a single day-surgery session is S$5,290 (Table 7C). For dental implants specifically, the realistic maximum is S$4,190 for three implants (S$3,360 + S$830). For four implants, the arithmetic total (S$5,310) is capped at S$5,290. Sessions with five or more implants may require splitting across separate sessions to allow separate claims. Subject to CPF Board approval.
No. CHAS subsidies do not apply to implant surgery or the implant crown. CHAS covers consultation and X-ray at enrolled clinics. Consultation subsidy ranges from S$13.50 (CHAS Orange) to S$30.50 (Pioneer Generation); X-ray from S$7.50 to S$21.00 (effective 1 October 2025). Dentalis is CHAS-enrolled.
No. Flexi-MediSave, available from 1 June 2026 for Singapore Citizens and PRs aged 60 and above, covers permanent dental crowns on natural teeth and root canal treatment at accredited CHAS dental clinics. It does not cover dental implant surgery or the implant crown. The standard MediSave surgical claim under TOSP SB816M remains the applicable scheme for implant surgery. Confirm your eligibility at consultation.
Primary Sources
References
MediSave figures on this page are sourced directly from CPF Board and MOH primary documents. No clinic-cited figures are used where a primary source is available.
- CPF Board — MediSave Withdrawal Limits. Effective 1 April 2025. Source for all dollar limits on this page: S$1,120 (Table 2C surgical), S$830 (day-surgery session), S$5,290 (Table 7C absolute ceiling).
- MOH Singapore — Table of Surgical Procedures (TOSP). As of 1 January 2024. Source for TOSP code classifications: SB816M (Table 2C — implant insertion), SB803M (Table 2C — bone graft), SB802M (Table 3A — unilateral sinus lift), SB814M (Table 4A — bilateral sinus lift), SB702M (Table 1C — implant removal).
- CPF Board — Using MediSave for hospitalisation and day surgery. Confirms day-surgery charge: up to S$830 per day. Confirms surgery limits by TOSP table. Last updated 6 April 2026.
- Ministry of Health Singapore — CHAS Dental Subsidies. Effective 1 October 2025. Consultation and X-ray subsidy rates by CHAS tier. Confirms CHAS does not cover implant surgery.
- MOH Singapore — Enhanced Financing Support for CHAS Dental Procedures (Flexi-MediSave). Announcement, June 2026. Confirms Flexi-MediSave covers root canal and permanent crowns on natural teeth from 1 June 2026 at accredited CHAS clinics; does not cover implants.
Reviewed by Dr Jonathan Liu, BDS National University of Singapore · SDC Registration D21395J · Principal Dentist and Founder, Dentalis · 25+ years clinical experience · 10,000+ patients
All MediSave figures sourced from CPF Board MediSave Withdrawal Limits (effective 1 April 2025) and MOH Table of Surgical Procedures (as of 1 January 2024). CHAS subsidy rates from chas.sg (effective 1 October 2025). Flexi-MediSave boundaries from MOH announcement (June 2026). Rated 5.0 from 141 Google reviews. Last reviewed: August 2026. Next review: February 2027.
MediSave amounts are ceilings subject to CPF Board approval and available balance. Actual entitlements are confirmed at clinical consultation. All fees before 9% GST and subject to revision without prior notice. This page provides factual patient information in accordance with the Healthcare Services (Advertisement) Regulations 2021. Dentalis is a MediSave-accredited and CHAS-enrolled private dental clinic at 52 Craig Rd, Tanjong Pagar, Singapore 089690. Maxwell MRT (TE18, Exit 3) · Tanjong Pagar MRT (EW15) · Outram Park (EW16/NE3/TE17).
When You Are Ready
A Consultation Is the Right Place to Begin.
At Dentalis, your confirmed MediSave entitlement — and the out-of-pocket balance at each treatment stage — is provided in writing before any procedure is scheduled.
Nothing is scheduled until you are ready.
Consultation S$80 · CBCT & digital scan S$150 · All before 9% GST · Mon–Fri 9am–6pm · Sat 9am–1pm · 52 Craig Rd, Tanjong Pagar · Maxwell MRT (TE18)