Wisdom tooth extraction in Singapore is covered by MediSave — but only if the procedure is surgical. A simple, routine extraction does not qualify. For surgical removal of an impacted wisdom tooth, you can claim between $420 and $1,920 per session depending on complexity. You may also use a close family member’s MediSave. Hospital-based cases may be further covered by your Integrated Shield Plan (ISP).

Not medical or financial advice. All figures are for educational reference only. Data verified as at 10 July 2026 unless noted.

What Is MediSave?

MediSave is Singapore’s mandatory medical savings scheme under the CPF system. Every working Singaporean and PR contributes a portion of their monthly CPF into their MediSave Account (MA).

You can use MediSave for approved healthcare expenses — including hospitalisation, surgery, MediShield Life premiums, and Integrated Shield Plan premiums. In 2026, the Basic Healthcare Sum (BHS) — the maximum your MediSave Account can hold — is $79,000 for members aged 65 and below.

MediSave earns 4% interest per year. You cannot withdraw it as cash — it can only be used for approved medical purposes. For a full breakdown of what MediSave covers and the contribution rates, see our complete MediSave Singapore guide.

Is Wisdom Tooth Extraction MediSave Claimable?

The short answer: only if it is a surgical extraction.

MediSave covers wisdom tooth removal only when the procedure is surgical. This typically means the tooth is impacted — it has not fully erupted and is stuck against your jawbone, another tooth, or nearby tissue.

Simple (non-surgical) extraction — NOT claimable
A simple extraction removes a fully visible tooth with forceps. It is quick and straightforward. MediSave cannot be used for this type of extraction.

Surgical (impacted) extraction — CLAIMABLE
A surgical extraction involves cutting the gum, sometimes removing bone, and stitching the site afterward. This qualifies under the Ministry of Health’s Table of Surgical Procedures (TOSP) and is MediSave-claimable.

To qualify, the procedure must meet three conditions:

• Performed at an accredited healthcare institution (licensed dental clinic, polyclinic, or hospital)
• Classified as a surgical extraction under TOSP
• The patient must be a Singapore Citizen (SC) or Permanent Resident (PR)

Who Can You Claim For?

You can use your own MediSave or a close family member’s. Eligible family members include your spouse, children, parents, parents-in-law, grandparents, grandparents-in-law, and siblings — provided they are Singapore Citizens or PRs.

How Much MediSave Can You Claim?

The amount you can claim depends on the surgical complexity. The Ministry of Health classifies procedures under the Table of Surgical Procedures (TOSP), from Table 1 (simpler) to Table 7 (most complex). Wisdom tooth surgery typically falls in Table 1B to Table 3B.

Source: CPF Board MediSave Withdrawal Limits, effective 1 April 2025

The MediSave limit includes the combined surgeon, anaesthetist, and facility fees. You claim the lower of actual cost or the applicable limit.

If your procedure is done in a hospital (inpatient or day surgery), you can claim the ward charge separately — up to $830 per day for day surgery or $1,130 per day for the first two days of a hospital stay.

Wisdom Tooth Extraction Costs in Singapore (2026)

Your actual bill depends on where you go and how complex your case is. Here’s a practical breakdown:

Source: MOH Singapore, private clinic fee estimates, 2026. Costs before GST and may vary by provider.

A worked example: If your private clinic charges $1,200 for a moderately impacted wisdom tooth (Table 2B complexity), you could claim up to $1,120 from MediSave — leaving just $80 out of pocket. Add a 9% GST and the cash portion rises slightly, but it is still very manageable.

However, if you need general anaesthesia (GA) at a hospital, the total bill can easily exceed $2,000. In that case, your Integrated Shield Plan becomes very important for covering the balance.

How to Make a MediSave Claim

Good news: most accredited dental clinics and hospitals submit the MediSave claim on your behalf. You do not need to handle any paperwork directly.

Here is how it works in practice:

1. Before the procedure: Tell the clinic you want to use MediSave. Bring your NRIC. The clinic will check that the procedure qualifies under TOSP and tell you the expected claim amount.
2. At payment: The clinic submits a claim to CPF Board electronically. You pay only the remaining balance (actual cost minus MediSave claim) in cash or by card.
3. After the procedure: CPF processes the claim — usually within a few days. You can track it on cpf.gov.sg or the CPF mobile app.

Using a family member’s MediSave: Inform the clinic upfront and bring the family member’s NRIC. They must consent to the claim. The clinic handles the rest.

If you have an active Integrated Shield Plan rider, the hospital will also process your ISP claim at the same time for hospital-based procedures.

Does Your Integrated Shield Plan Cover Wisdom Tooth Surgery?

Your ISP covers hospitalisation and inpatient care. The major ISPs in Singapore — including AIA HealthShield Gold Max, Prudential PRUShield, Great Eastern Supreme Health, NTUC Enhanced IncomeShield, and Singlife Shield Plan — all cover day surgery and inpatient procedures at hospitals.

If your wisdom tooth surgery is done in a hospital (either as day surgery or an inpatient case), it is likely covered by your ISP — subject to your plan’s deductible and co-payment.

Key points about ISP coverage:

• ISP covers hospital-based procedures — standalone dental clinic treatments are NOT covered
• From 1 April 2026, new ISP riders no longer cover the mandatory deductible ($1,500–$3,500 depending on ward class). You pay this first before ISP kicks in
• New riders (sold from 1 April 2026) have a co-payment cap of $6,000 per policy year
• MediSave is applied first to reduce the bill; ISP then covers the remaining hospital charges (above deductible)

For a full comparison of which ISP is right for you, see our Integrated Shield Plan comparison guide.

2026 Updates: New Dental MediSave Coverage

Two changes in 2026 are worth knowing — even if they do not directly change wisdom tooth MediSave claims.

1. Outpatient scan cap doubled (January 2026)
From 1 January 2026, the MediSave withdrawal cap for outpatient scans increased from $300 to $600 per year. This affects diagnostic imaging (X-rays, CT scans) that may be required before complex dental surgery.

2. Flexi-MediSave expands to restorative dental (mid-2026)
From mid-2026, Flexi-MediSave — a scheme for Singapore Citizens and PRs aged 60 and above — will cover permanent crowns and root canals. This is a meaningful expansion of dental MediSave coverage for seniors. However, wisdom tooth extraction is not covered by Flexi-MediSave. It continues to use the standard TOSP surgical claim route.

For the full picture of what your MediSave account can cover, including the MediSave limit for 2026 and top-up strategies, see our dedicated guides.