Raising a family in Singapore isn’t cheap — and when it comes to dental care, many parents are surprised by how quickly costs add up. From routine cleanings to braces and fillings, having a good dental insurance plan can make a big difference.
But here's the challenge: dental coverage isn't always included in standard health insurance, and many plans only cover basic treatments — if at all.
So how do you choose a dental insurance plan that's affordable and truly useful for families in Singapore?
Let’s break it down.
What to Look for in a Family Dental Plan
Before jumping in, ask yourself:
Does it cover both preventive (check-ups, cleaning) and restorative care (fillings, crowns)?
Are paediatric dental visits included?
Is orthodontic treatment (like braces) partially covered?
Can you visit your preferred clinic, or is it limited to a panel?
Are there waiting periods or yearly caps?
Top Affordable Dental Insurance Options in Singapore (2025)
1. Singlife Shield (Integrated Plan with Dental Add-On)
Offers an optional Dental Care Rider
Covers scaling & polishing, fluoride, fillings, and simple extractions
Access to over 300 partner clinics
Estimated Premium (family of 3): ~$600/year with rider
Good for: Families looking for basic, preventive coverage
2. AIA Dental Coverage (via Employee or Group Plans)
Offered mainly through corporate policies, but some group plans are available for families
Covers routine cleaning, X-rays, fillings, and selected major work
Panel-based access to AIA Quality Healthcare clinics
Estimated Premium: Varies by employer or group
Good for: Families with employer support or SME group access
3. IHP (Integrated Healthcare Plans)
Offers standalone dental plans
Full coverage for check-ups, scaling, fillings, extractions
No co-payment at IHP panel clinics
Estimated Premium (per child): ~$180/year
Good for: Budget-conscious families wanting paediatric coverage
4. NTUC Income i-MediCare (Add Dental Option)
Allows optional dental add-on with health plans
Covers regular dental exams, scaling, polishing, and fillings
Network of NTUC-affiliated clinics
Estimated Premium (family of 4): ~$700/year
Good for: Households with existing NTUC policies
5. Raffles Shield Dental Benefits (Through Raffles Medical Group)
Add-on available for outpatient dental
Can bundle with GP care
Access to Raffles Dental clinics (islandwide)
Estimated Premium: ~$250/year per adult
Good for: Families already visiting Raffles clinics regularly
What’s Not Usually Covered
Cosmetic procedures (whitening, veneers)
Braces (unless orthodontic rider is added)
Pre-existing dental conditions
> Tip: Always read the fine print — and ask about waiting periods before benefits kick in.
Is It Worth It?
If your kids need frequent dental visits or might need braces down the line, a dental plan can help you save hundreds yearly. Even just routine cleaning for a family of four can add up to $500+ per year without insurance.
Final Thoughts
Dental insurance in Singapore isn’t one-size-fits-all — but the right plan can keep your family smiling without breaking the bank. Whether you're just looking for preventive care or something more comprehensive, there’s a plan that fits your needs.
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