Dental
Dental care they’ll actually book
Group dental cover pays for check-ups, scaling and polishing, fillings and extractions, up to a yearly limit per employee. It is a simple, well-used add-on to your hospital cover.
What it is
A small cover staff notice
Dental bills are rarely large, but they come round every year. Group dental cover gives each employee a yearly amount to use at the dentist, often cashless at a panel clinic.
Most insurers sell it on top of group hospital and surgical cover. On the SME packages we compare, yearly limits run from S$200 to S$1,000 per person.
What it usually pays for
Routine care, and a little more
Check-ups and cleaning
Examinations, scaling and polishing, and dental X-rays, usually once or twice a year.
Fillings and extractions
Simple fillings and extractions, paid from the same yearly limit as the check-ups.
More on higher plans
Higher plans can add root canal treatment, crowns, dentures and surgical wisdom tooth removal. Braces and cosmetic treatment are usually excluded.
Exclusions explainedEntry plan or top plan
How dental plans differ
The yearly limit is the headline, but where staff can go and what they pay per visit matter too.
| Entry plan | Top plan | |
|---|---|---|
| Yearly limit | About S$200 to S$500 per person | About S$600 to S$1,000 per person |
| Clinics | Panel clinics | Panel clinics, and some plans allow any clinic |
| Treatments | Check-ups, scaling, fillings and simple extractions | Adds root canal, crowns, dentures and surgical extractions on many plans |
| Employee’s share | Some plans have a co-pay or 10% to 20% co-insurance | Often none, though some plans keep a share |
Is dental cover right for your team?
A good fit if
- You want a benefit staff use every year, not only when something goes wrong
- You already offer hospital cover and want to round out the package
- You’d like staff to keep up routine check-ups instead of putting them off
- You want a predictable cost, with a fixed yearly limit per person
In practice
Using dental cover
01
Book a panel dentist
Your employee books a dentist from the insurer’s panel and shows their medical card at the visit.
02
Treatment within the limit
Covered treatment is paid by the insurer, cashless at panel clinics, until the yearly limit is used up.
03
Anything above it
Treatment that isn’t covered, or goes past the yearly limit, is paid by the employee. The limit resets each policy year.
Questions about dental cover
Dental cover, answered
Usually not. Most insurers sell group dental as a rider to group hospital and surgical cover.
Generally not. Orthodontic and cosmetic treatment is usually excluded from group dental plans.
No. The yearly limit resets at the start of each policy year, and anything unused lapses.
On some plans, yes, with a claim afterwards. Many plans are panel only, so we check the panel against where your team works and lives.
Emergency dental treatment after an accident is often paid under hospital or personal accident cover rather than dental cover. We check how each insurer handles it.
Compare dental cover across insurers
Tell us about your team. We lay out plans from our panel of 14 insurers side by side and send exact quotes within the next working day. Our advice is free: the insurer pays our commission.