Yes, if you are 60 and above and have a CPF Medisave account, it is possible to use Flexi-Medisave for your root canal treatment and dental crown. However, there is a limit to how much Flexi-Medisave you can use annually.
The maximum claim you can make per year from your Flexi-Medisave account is $400. It is not possible to claim beyond that.
If you are intending to proceed with root canal treatment followed by a dental crown, you might be able to combine other financing options and subsidies such as:
- CHAS to subsidise a portion of your treatments (if relevant to you)
- CDC vouchers to offset a portion of your treatments (if relevant to you)
- Dental insurance to co-pay or offset partial/full cost of treatments (if relevant to you).
| Quick Summary |
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| ▶ Flexi-Medisave can be used for eligible root canal treatment and dental crowns. ▶ Flexi-Medisave is available to qualifying Singaporeans aged 60 and above. ▶ Eligible patients can use up to $400 of Flexi-Medisave per year. ▶ Eligible spouses aged 60 and above may combine their Flexi-Medisave limits. ▶ Flexi-Medisave may be combined with CHAS subsidies to reduce out-of-pocket dental costs. |
Table of Contents
- What is Flexi-Medisave?
- Who is Qualified To Use Flexi-Medisave?
- How Do I Use My Flexi-Medisave?
- What Dental Treatments Can I Use Flexi-Medisave For?
- What Dental Treatments Does Flexi-Medisave Not Cover?
- Can I Use My Spouse’s Fleximedisave?
What is Flexi-Medisave?
Flexi-Medisave is a financing scheme that allows Singaporeans aged 60 and above to use up to $400 a year from their own Medisave account, their spouse’s Medisave account, or a combination of both.
The financing scheme allows qualifying Singaporeans to pay for selected outpatient medical and dental treatments at polyclinics, public hospitals and participating CHAS GPs.
It was created to help lower the financial burden of healthcare costs in Singapore.
If you are unsure as to whether you or a family member qualifies for Flexi-Medisave financing scheme, drop us a message to enquire about possible financing eligibilities.
What is the difference between Flexi-Medisave and Medisave for dental treatments?
The main differences between the Flexi-Medisave and Medisave account for dental treatments are as follows:
| Flexi-Medisave | Medisave |
| Up to $400 per year per qualifying person Can be combined with spouse for a total limit of $800 per year if both parties are 60 and above Only valid for patients who are 60 and above. | There is no limit for each qualifying year as long as there is sufficient Medisave balance for healthcare services Medisave claims have to be aligned with the TOSP code allowances Valid for all holders of a Medisave CPF account Medisave claims can be made in combination with accounts of a spouse/parent/child There is no age qualification before Medisave can be used. |
Who is Qualified To Use Flexi-Medisave?
The following patients can use Flexi-Medisave to claim and offset the cost of qualified dental procedures:
- 60 and above
- Have a CPF Medisave account that has sufficient funds
If you are married and both your spouse and yourself are 60 and above, it is possible to combine the limits from both parties to make Flexi-Medisave claims.
For example, if one spouse has a Flexi-Medisave remainder of $400 and the other spouse has the same remainder, you have a total of $800 in Flexi-Medisave per year that you can use to offset your relevant dental treatment costs.
Please take note that once you have used the combined limit, it is no longer possible to make further Flexi-Medisave claims till the next cycle (next year).
How Do I Use My Flexi-Medisave?
Using your Flexi-Medisave is simple. You simply need to:
- Make sure that you have sufficient funds in your Medisave account
- Head to a Flexi-Medisave accredited dental clinic like toofus™ Dental.
Should you wish to proceed with treatment with a dental clinic for root canal treatment and/or dental crowns, the dental clinic will:
- Ensure that you qualify for Flexi-Medisave based on your age
- Explain the deductions that will be made from your Medisave account
- Inform you of the final cost (if any) that you will need to pay out of pocket
- Get a signed consent and authorisation form from you to use your Flexi-Medisave
- Make photocopies of your NRIC for Medisave documentation
- Process the payment from Flexi-Medisave.
As long as you qualify for Flexi-Medisave and have sufficient funds in your Medisave account, it is simple to use your Flexi-Medisave account for dental care.
Scenario A: Mdm Lee is 61 years old and wants to use her Flexi-Medisave for a root canal treatment (molar) followed by a dental crown to protect the tooth from further damage.
She also has a Blue CHAS card. Her spouse, Mr Lee, is 63 years old and wants to use his Flexi-Medisave to help her pay for treatment as well.
| Cost of Root Canal Treatment (Molar) | $1,200 |
| Cost of Dental Crown | $828 |
| CHAS Subsidy | |
| Minus: CHAS Subsidy for Root Canal Treatment (Molar) under Blue CHAS Subsidy | $584.50 |
| Minus: CHAS Subsidy for Dental Crown under Blue CHAS Subsidy | $615 |
| Flexi-Medisave | |
| Minus: Flexi-Medisave from Mdm Lee | $400 |
| Minus: Flexi-Medisave from Mr Lee | $400 |
| Total Mdm Lee Pays | $28.50 |
Scenario B: Mdm Rosnah visited a dental clinic in August 2026. She is only turning 60 years old in December this year. She wants to use her Flexi-Medisave for a dental crown to protect her tooth.
She has a Blue CHAS card. Her spouse, Mr Hafiz, is 66 years old and asks to use his Flexi-Medisave to help her pay for treatment.
In this scenario, Mdm Rosnah is unable to use her Flexi-Medisave until she turns 60 in December. Her husband is also unable to make any Flexi-Medisave payments on her behalf until she turns 60 in December.
If she wishes to take up treatment in August 2026, it is still possible to do so, but she will have to do it without claiming from her Flexi-Medisave account.
| Cost of Dental Crown | $828 |
| CHAS Subsidy | |
| Minus: CHAS Subsidy for Dental Crown under Blue CHAS Subsidy | $615 |
| Total Mdm Rosnah Pays | $213 |
Disclaimer: Please take note that all names used in Scenario A and B are fictitious patient names. If there are any similarities or resemblances to actual patient names or scenarios, they are purely coincidental.
What Dental Treatments Can I Use Flexi-Medisave For?
As of August 2026, the only dental treatments that patients can use Flexi-Medisave for are:
- Tooth-treated dental crowns
- Root canal treatment
The total amount that you will pay to the dental clinic will be as follows:
Total Treatment Cost – Flexi-Medisave Amount – CHAS Subsidy (if relevant) = Out-of-Pocket Cost
Please take note that it is not permissible to use your Flexi-Medisave to make claims for dental treatments that are out of scope.
Your dentist will also not be able to assist you to make out-of-scope dental treatment Flexi-Medisave requests.
Can I use Flexi-Medisave for dental implant crowns?
No, unfortunately, Flexi-Medisave is limited to tooth-treated dental crowns. It cannot be used to claim dental implant crowns.
Can I use Flexi-Medisave for dental bridges?
No, it is not possible to use Flexi-Medisave for dental bridges. Dental bridges are currently not covered under the list of allowable Flexi-Medisave claims.
What Dental Treatments Does Flexi-Medisave Not Cover?
Flexi-Medisave does not cover surgical or cosmetic dentistry treatments. You will not be able to use your Flexi-Medisave for the following:
- Dental implant surgery
- Wisdom tooth surgery
- Buried tooth surgery
- Dentures
- Dental bridges
- Braces or clear aligners
- Dental cleaning
- Dental fillings
- Tooth extractions
The list mentioned above is non-exhaustive.
If you have a question about whether a treatment is covered under Flexi-Medisave, please let us know, and one of our patient success coordinators can help work out a financing arrangement for you.
Can I Use My Spouse’s Flexi-Medisave?
Yes, that is possible as long as they meet the following requirements:
- Both you and your spouse are aged 60 and above
- Your spouse has sufficient Medisave to cover the cost of treatment.
If you are unsure as to whether you or your spouse has sufficient Medisave balance, it is possible to check your account balances via the Central Provident Fund portal.
Alternatively, our patient success coordinators are also able to help you with your enquiries.
Flexi-Medisave can help reduce the cost of root canal treatment and a dental crown
If you are aged 60 or above, Flexi-Medisave may be used to offset the cost of an eligible root canal treatment and a crown placed on the treated natural tooth, subject to the prevailing annual withdrawal limit and your available Medisave balance.
Depending on your eligibility, Flexi-Medisave may also be combined with CHAS subsidies, CDC vouchers, dental insurance or the Flexi-Medisave entitlement of your child. However, the amount payable will depend on your treatment needs, remaining benefits and the subsidies available to you.
Before beginning treatment, inform our patient success coordinators that you intend to use Flexi-Medisave. Our team can check your eligibility, estimate the applicable deductions and subsidies, and explain any remaining out-of-pocket costs before you decide whether to proceed.
Book a consultation with toofus™ Dental to have the affected tooth assessed and receive a personalised treatment and financing plan.