Key Takeaways
- CHAS helps eligible Singapore Citizens reduce the cost of selected dental treatments, including preventive, basic and restorative procedures, at participating CHAS dental clinics.
- Eligible seniors aged 60 and above can use up to $400 of Flexi-MediSave each year for approved outpatient care, including permanent crowns and root canal treatment at CHAS dental clinics from mid-2026.
- The amount you can claim depends on your eligibility, treatment type and current scheme rules, so it is important to have your subsidies and estimated costs checked before treatment begins.
Overview of CHAS and Flexi-Medisave
Scheme | Who It Helps | Dental Use |
CHAS | Eligible Singapore Citizens with CHAS Blue, CHAS Orange, Merdeka Generation or Pioneer Generation status | Selected dental services in Singapore at participating CHAS dental clinics |
Flexi-MediSave | CPF members aged 60 and above | From mid-2026, root canal treatments and permanent crowns at CHAS dental clinics and public healthcare institutions |
MediSave | Eligible patients with approved claimable treatments | Mainly approved surgical dental procedures, subject to CPF rules |
CHAS dental subsidies were enhanced from 1 October 2025. CHAS Orange cardholders now receive subsidies for 10 basic and preventive dental procedures, while subsidy limits increased for 7 restorative procedures such as root canal treatment and permanent crowns.
patterns can overlap in the early stages, so a dentist typically confirms the cause using imaging and a bite test rather than relying on symptoms alone.
What Is CHAS?
CHAS stands for Community Health Assist Scheme. CHAS is a government healthcare financing scheme that provides subsidies for selected medical and dental services at participating clinics.
All Singapore Citizens are eligible for CHAS, but the subsidy tier depends on household monthly income per person or the Annual Value of the home. CHAS enrolment is still application-based.
Household eligibility for CHAS Blue or CHAS Orange is generally assessed using monthly per capita household income or the Annual Value (AV) of the home, whichever results in a higher subsidy tier. Indicative AV thresholds are as follows, though patients should confirm their current tier via Singpass or the official CHAS website.
Household Annual Value (AV) | CHAS Tier |
Up to $21,000 | Blue |
$21,001 to $31,000 | Orange |
CHAS Subsidy Tiers
CHAS Tier | Dental Subsidies |
Pioneer Generation | Up to $21 to $625 subsidy per procedure, depending on treatment |
Merdeka Generation | Up to $16 to $620 subsidy per procedure, depending on treatment |
CHAS Blue | Up to $11 to $615 subsidy per procedure, depending on treatment |
CHAS Orange | Up to $7.50 to $410 subsidy per procedure, depending on treatment |
CHAS Green | Not listed under CHAS dental subsidy tables |
CHAS dental subsidies apply only to selected dental services at participating dental clinics.
CHAS Dental Subsidy Amounts From 1 October 2025
Basic and Preventive Dental Procedures
Dental Service | PG | MG | CHAS Blue | CHAS Orange |
Consultation | $30.50 | $25.50 | $20.50 | $13.50 |
Polishing | $30.50 | $25.50 | $20.50 | $13.50 |
Scaling | $40.00 | $35.00 | $30.00 | $20.00 |
Topical Fluoride | $30.50 | $25.50 | $20.50 | $13.50 |
X-ray | $21.00 | $16.00 | $11.00 | $7.50 |
Anterior Extraction | $38.50 | $33.50 | $28.50 | $19.00 |
Posterior Extraction | $78.50 | $73.50 | $68.50 | $45.50 |
Complex Filling | $60.00 | $55.00 | $50.00 | $33.50 |
Simple Filling | $40.00 | $35.00 | $30.00 | $20.00 |
Re-cementation | $45.00 | $40.00 | $35.00 | $23.50 |
These are maximum subsidy amounts per claim. Claim limits apply for some procedures, such as consultations, scaling, polishing, X-rays, fillings and extractions.
Restorative Dental Procedures
Dental Service | PG | MG | CHAS Blue | CHAS Orange |
Denture Reline / Repair | $85.00 | $80.00 | $75.00 | $50.00 |
Permanent Crown | $625.00 | $620.00 | $615.00 | $410.00 |
Complete Removable Denture | $418.50 | $413.50 | $408.50 | $272.50 |
Partial Removable Denture, Complex | $395.50 | $390.50 | $385.50 | $257.00 |
Partial Removable Denture, Simple | $314.00 | $309.00 | $304.00 | $202.50 |
Root Canal Treatment, Anterior | $336.00 | $331.00 | $326.00 | $217.50 |
Root Canal Treatment, Premolar | $472.50 | $467.50 | $462.50 | $308.50 |
Root Canal Treatment, Molar | $594.50 | $589.50 | $584.50 | $389.50 |
Permanent crowns are claimable up to 4 crowns per calendar year. Root canal treatment is claimable up to 2 treatments per calendar year, shared across anterior, premolar and molar root canal treatments.
Some restorative dental procedures, such as Root Canal Treatment and Dental Crowns, may be eligible for CHAS subsidies if the treatment meets the scheme requirements. If a tooth cannot be restored, your dentist may also discuss other tooth replacement options, including Dental Implants or All-on-X Dental Implants, although these treatments are not covered under CHAS or Flexi-MediSave.
What Is Flexi-MediSave?
Flexi-MediSave allows eligible CPF members aged 60 and above to use part of their MediSave savings for selected outpatient treatments, subject to prevailing CPF rules.
The annual Flexi-MediSave withdrawal limit increased from $300 to $400 from 1 October 2025. CPF also states that root canal treatments and permanent crowns at CHAS dental clinics and public healthcare institutions can be paid with Flexi-MediSave from mid-2026.
Flexi-MediSave for Dental Treatment From Mid-2026
Dental Treatment | Flexi-MediSave Use |
Root canal treatment, anterior | Eligible from mid-2026 |
Root canal treatment, premolar | Eligible from mid-2026 |
Root canal treatment, molar | Eligible from mid-2026 |
Permanent crown | Eligible from mid-2026 |
Scaling and polishing | No, not listed under the dental Flexi-MediSave expansion |
Fillings | No, not listed under the dental Flexi-MediSave expansion |
Dentures | No, not listed under the dental Flexi-MediSave expansion |
Braces or Invisalign | No |
Veneers or teeth whitening | No |
Flexi-MediSave is not a cash subsidy. Flexi-MediSave allows eligible patients to use available MediSave savings towards approved outpatient treatments, subject to CPF rules and available balances.
Can CHAS and Flexi-MediSave Be Used Together?
Eligible patients may be able to use both CHAS subsidies and Flexi-MediSave for approved dental treatments where scheme requirements are met.
For example, from mid-2026, an eligible patient aged 60 and above may be able to use CHAS subsidy and Flexi-MediSave for root canal treatment or a permanent crown at a CHAS dental clinic.
This still depends on CHAS eligibility, CPF rules, available annual Flexi-MediSave limit, treatment type and clinic accreditation.
CHAS vs Flexi-MediSave vs MediSave
Feature | CHAS | Flexi-MediSave | MediSave |
Type | Subsidy | MediSave withdrawal | MediSave withdrawal |
Who it applies to | Eligible Singapore Citizens | CPF members aged 60 and above | Eligible patients with claimable procedures |
Dental use | Selected dental services | Root canals and permanent crowns from mid-2026 | Mainly approved surgical dental procedures |
Reduces cash payment? | Yes | Y es | Yes |
Uses CPF savings? | No | Yes | Yes |
Covers cosmetic dental treatment? | No | No | No |
MOH Dental Fee Benchmarks
MOH introduced dental fee benchmarks to help patients compare common dental fees and discuss costs with their dentist.
From 1 October 2025, CHAS dental clinics are required to display fee benchmarks next to their price lists. From 1 September 2026, CHAS dental clinics must submit clinical justifications for CHAS subsidy claims that exceed fee benchmarks.
Procedure | MOH Fee Benchmark |
Consultation | $21 to $31 |
Scaling | $35 to $60 |
Polishing | $26 to $38 |
Simple Filling | $65 to $160 |
Complex Filling | $80 to $180 |
Anterior Extraction | $70 to $120 |
Posterior Extraction | $93 to $164 |
Permanent Crown | $750 to $1,400 |
Root Canal Treatment, Anterior | $400 to $775 |
Root Canal Treatment, Premolar | $500 to $900 |
Root Canal Treatment, Molar | $872 to $1,400 |
Complete Removable Denture | $500 to $818 |
Partial Removable Denture, Simple | $320 to $603 |
Partial Removable Denture, Complex | $450 to $750 |
Denture Reline / Repair | $80 to $150 |
Re-cementation | $70 to $131 |
Topical Fluoride | $21 to $31 |
X-ray, Periapical / Bitewing / Occlusal | $16 to $33 |
X-ray, Orthopantomogram | $65 to $104 |
Fee benchmarks are reference ranges, not treatment guarantees. Final fees depend on the dentist’s assessment, complexity, materials used and the treatment required.
What Dental Treatments Are Not Usually Covered?
Cosmetic treatments such as Veneers, Teeth Whitening, Braces and Invisalign or clear aligners are not covered under CHAS or Flexi-MediSave. If you are considering these treatments, your dentist can explain the available treatment options, expected fees and whether alternative subsidised treatments may be appropriate for your dental condition.
Treatment | CHAS | Flexi-MediSave |
Teeth whitening | No | No |
Veneers | No | No |
Braces | No | No |
Invisalign | No | No |
Smile makeover | No | No |
Cosmetic treatment | No | No |
Routine scaling and polishing | Yes, if eligible | No |
Fillings | Yes, if eligible | No |
Root canal treatment | Yes, if eligible | Yes, from mid-2026 |
Permanent crown | Yes, if eligible | Yes, from mid-2026 |
What to Bring to Your Appointment
Bring This | Why It Matters |
NRIC | Needed for eligibility checks |
CHAS, PG or MG card | Helps confirm subsidy tier |
Singpass access | May help with CHAS or CPF-related checks |
Medication list | Helps with safe dental planning |
Medical history | Important for treatment planning |
Previous dental X-rays, if available | May help the dentist assess your tooth condition |
How Casa Dental Helps
Understanding your subsidy eligibility can make it easier to plan your dental treatment and expected costs. Before your treatment begins, our team will guide you through the process and explain the subsidies or claims that may apply based on your eligibility and treatment needs.
- Step 1: Eligibility check
We check your eligibility for CHAS, Pioneer Generation, Merdeka Generation and, where applicable, Flexi-MediSave. - Step 2: Dental assessment
Your dentist examines your teeth, gums and overall oral health to determine the most appropriate treatment. - Step 3: Treatment recommendations
The clinic can provide an estimated breakdown and recommend a suitable approach based on your clinical assessment. - Step 4: Cost explanation
You will receive a breakdown of the estimated treatment fees, applicable subsidies and any remaining out-of-pocket costs. - Step 5: Claim assistance
Where applicable, our team will guide you through the CHAS and Flexi-MediSave claim process. For CHAS, this typically involves presenting your CHAS, Merdeka Generation or Pioneer Generation card together with your NRIC, after which the clinic submits the claim electronically. For Flexi-MediSave, eligible patients aged 60 and above may be asked to complete a MediSave Authorisation Form, which the clinic submits to the CPF Board on your behalf. You will only need to settle the remaining balance after applicable subsidies and claims, in accordance with current scheme requirements.”
If you are eligible, our team can explain the available subsidies, estimated treatment fees and claim process before treatment begins.
Frequently Asked Questions
Can I use CHAS at any dental clinic in Singapore?
No. CHAS subsidies are only available at dental clinics that participate in the CHAS scheme. Before making an appointment, check that the clinic is CHAS-accredited or ask the clinic directly.
How do I check if my CHAS card is still valid?
You can check your CHAS status through your Singpass account or the official CHAS website. If you are unsure, our team can help check your CHAS eligibility during your appointment.
What happens if my CHAS card expires before my dental appointment?
If your CHAS eligibility has expired, you may not be able to receive CHAS subsidies until your eligibility is renewed. It is best to check your status before your appointment if you think your card may have expired.
Can I receive CHAS subsidies for multiple dental visits in a year?
Yes, provided you remain eligible and the treatment falls within the applicable CHAS claim limits and subsidy conditions. Some dental procedures also have annual claim limits.
Can I choose any type of dental crown under CHAS subsidies?
Not necessarily. CHAS provides subsidies for eligible permanent crowns, but the type of crown recommended depends on your clinical needs. Your dentist will advise which treatment option is suitable for your condition.
Do I need a referral to use CHAS or Flexi-MediSave for dental treatment?
No. You generally do not need a referral to receive treatment at a participating CHAS dental clinic. Your dentist will assess your condition and determine whether your treatment is eligible under the relevant scheme.
Can foreigners or work pass holders use CHAS or Flexi-MediSave?
CHAS is available only to eligible Singapore Citizens. Flexi-MediSave is available to eligible CPF members aged 60 and above who meet the scheme requirements. Foreigners who are not eligible for these schemes cannot claim these subsidies.
Can I use CHAS and private dental insurance together?
In some cases, yes. This depends on your insurance policy and the insurer’s terms and conditions. If you have private dental insurance, you may wish to check with your insurer before treatment.
Will I know my subsidy amount before treatment starts?
Your dentist will first assess your oral health and recommend the appropriate treatment. Once your eligibility has been verified, the clinic can explain the estimated subsidy, claimable amount and expected out-of-pocket costs before treatment begins.
Can I claim CHAS or Flexi-MediSave after I have already paid for my treatment?
CHAS subsidies and Flexi-MediSave claims are generally processed by the clinic during your visit if you are eligible. They cannot usually be claimed retrospectively after treatment has been completed and payment has been made.
