Flexi-MediSave for Dental Treatment
Flexi-MediSave lets patients aged 60 and above draw up to $400 a year from MediSave for outpatient care. From mid-2026 that extends to root canal treatment and permanent crowns at CHAS dental clinics — the first time MediSave money reaches dentistry that is not surgery.
The rules, in one table
| Who | Patients aged 60 and above |
| Whose MediSave | Your own, or your spouse’s if your spouse is also 60 or above |
| How much | Up to $400 a year, per patient — not per visit and not per treatment |
| What, for dental | Root canal treatment (front, pre-molar and molar) and permanent crowns |
| Where | CHAS dental clinics and public healthcare institutions |
| From when | Mid-2026 for the dental extension |
Why this change matters
Until now MediSave has been closed to non-surgical dentistry altogether. You could claim for having a wisdom tooth surgically removed, but not for saving a tooth with a root canal — which is often the treatment that keeps a tooth rather than loses it. That is the gap this closes, for patients aged 60 and above.
It is an offset, not a free treatment. On a root canal it reduces what you pay rather than removing it, and the $400 is a yearly ceiling across all your outpatient use, so a crown and a root canal in the same year share it.
What it does not cover
Scaling and polishing, fillings, dentures, bridges, braces and clear aligners, and cosmetic treatment such as whitening or veneers. It also does nothing for patients under 60, for whom root canal treatment and crowns remain payable in cash or by other means.
If you hold a CHAS, Pioneer Generation or Merdeka Generation card, those subsidies are separate and are applied first, on a wider range of routine treatments. The two work together rather than instead of each other.
How it fits with the rest
Three different things are easy to confuse, so plainly: ordinary MediSave pays for dental surgery at any age, subject to withdrawal limits. CHAS subsidises routine treatment for cardholders. Flexi-MediSave is the 60-and-above outpatient allowance, which from mid-2026 includes root canals and crowns.
Our full fee schedule is published, inclusive of GST, so you can see the cost before any of these are applied. Root canal treatment and crowns each have their own page.
Calm Dental is a CHAS dental clinic, so the treatments covered by the extension are in scope here once it begins in mid-2026. Whether you personally can claim still depends on your age and your MediSave balance, and we will confirm what applies to you in writing before treatment starts.
Questions
What is Flexi-MediSave?
Flexi-MediSave lets patients aged 60 and above use up to $400 a year from MediSave towards outpatient treatment, rather than only hospitalisation and surgery. You may use your own MediSave, or your spouse’s if your spouse is also 60 or above. The limit is per patient per year, not per visit.
Can Flexi-MediSave be used for root canal treatment or a crown?
From mid-2026, yes. The Ministry of Health is extending Flexi-MediSave to root canal treatment on front, pre-molar and molar teeth, and to permanent crowns, at CHAS dental clinics and public healthcare institutions. This is the first time MediSave money reaches non-surgical dentistry, which until now was excluded entirely.
Who is eligible for Flexi-MediSave for dental treatment?
Patients aged 60 and above, with MediSave savings in their own account or their spouse’s where the spouse is also 60 or above. The treatment must be one of the covered procedures and must be carried out at a CHAS dental clinic or a public healthcare institution.
How much does Flexi-MediSave cover for dental treatment?
Up to $400 in a year, across all outpatient use — not $400 per treatment. It offsets part of the cost rather than covering it: on a root canal, expect it to reduce what you pay rather than remove it. CHAS subsidies, where you hold a card, are applied separately and first.
Does Flexi-MediSave cover scaling, fillings or whitening?
No. The dental extension covers root canal treatment and permanent crowns only. Routine cleaning, fillings, dentures, braces and cosmetic treatment such as whitening are outside it. CHAS subsidies do apply to a range of routine treatments for cardholders.
Scheme rules are set by the Ministry of Health and the CPF Board and do change — the dental extension and the $400 limit come from MOH and CPF announcements. This page reflects published guidance as at 27 August 2026. For your own entitlement the CPF Board is the authority.