{"id":1390,"date":"2018-12-28T16:06:09","date_gmt":"2018-12-28T08:06:09","guid":{"rendered":"https:\/\/www.pacificprime.sg\/blog\/?p=1390"},"modified":"2019-05-29T11:34:34","modified_gmt":"2019-05-29T03:34:34","slug":"topping-up-your-employee-insurance-with-dental-benefits","status":"publish","type":"post","link":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/","title":{"rendered":"Topping up your employee insurance with dental benefits"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Nowadays, many Singaporean firms provide health insurance to their employees as a way to attract and retain talents. While for some employees the insurance provided by their company is already enough, many find that the coverage is too basic to truly meet their needs. However, instead of purchasing a standalone insurance policy, topping up the existing insurance plan seems to be a more sensible option. And among so many forms of benefits, <\/span><a href=\"https:\/\/www.pacificprime.sg\/blog\/2017\/02\/10\/dental-insurance-singapore\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">dental insurance<\/span><\/a><span style=\"font-weight: 400;\"> is often left out in many employee insurance plans, such as regular teeth check-ups and extraction for tooth decay. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">With this in mind, today <\/span><a href=\"https:\/\/www.pacificprime.sg\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Pacific Prime Singapore<\/span><\/a><span style=\"font-weight: 400;\"> will focus on how to top up your employee insurance with dental benefits and answer some of the most common questions including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Why is dental care so important?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">What exactly are top-up plans?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">What dental benefits should be included?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">What should you consider when choosing a top-up plan?<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">The necessity of a bright smile<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Your smile is possibly one of the first few things people notice about you. And as we can\u2019t grow new adult teeth, it means that we should try every means to keep them healthy and shiny. As the Chinese saying goes, a toothache can be more tormenting than an illness. Unfortunately, dental care can be rather costly in the Lion City, especially compared with neighboring countries such as <\/span><a href=\"https:\/\/www.choice.com.au\/health-and-body\/dentists-and-dental-care\/dental-treatment\/articles\/the-rise-of-dental-tourism\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Malaysia and Thailand<\/span><\/a><span style=\"font-weight: 400;\">. While our savings in Medisave can offset some of the dental care expenses, more complicated dental procedures such as <\/span><a href=\"https:\/\/www.pacificprime.sg\/blog\/2017\/07\/07\/orthodontics-singapore-dental-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">orthodontics<\/span><\/a><span style=\"font-weight: 400;\"> are not covered. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, if your company has provided you with an employee health benefit, you can choose to <\/span><a href=\"https:\/\/www.pacificprime.sg\/blog\/2017\/11\/17\/employer-provided-health-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">top up your existing plan<\/span><\/a><span style=\"font-weight: 400;\"> with new dental benefits, without having to pay the premium of a new, standalone plan from scratch. And, after all, no insurance company offer insurance solutions that only focus on dental care since they are just not lucrative enough. Instead, they are usually add-on options to an existing health insurance policy.<\/span><\/p>\n<div class='code-block code-block-1' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.sg\/plans\/individual-health-insurance\/?campSource=PPSG-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=banner&utm_content=single\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-774\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2022\/12\/WP-Banner-revamp-final-20221207_1.-Single-final.jpg\" alt=\"Individual health insurance blog\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n\n<h2><span style=\"font-weight: 400;\">What exactly are top-up plans?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As mentioned above, top-up plans are additional benefits on top of company-funded insurance plans in order to supplement the coverage gaps and ensure that all your healthcare needs are met. These additional coverages can range from maternity plans, increased benefits limits, coverage for your family and dependants, all the way to dental coverage and <\/span><a href=\"https:\/\/www.pacificprime.sg\/plans\/individual-health-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">international private insurance<\/span><\/a><span style=\"font-weight: 400;\">. If you are interested in knowing more about top-up insurance in Singapore, you can click <\/span><a href=\"https:\/\/www.pacificprime.sg\/health-guides\/top-up-insurance-guide\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\"> to read our guide dedicated to this subject.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What dental benefits should be included?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While the exact scopes of coverage may vary from plan to plan, most dental benefits cover routine dental treatment services including annual dental cleaning, filling or extraction for tooth decay, treatment of mild gum disease, root canals, as well as emergency treatment for a toothache within regular consultation hours.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you think that the above coverage is not enough, you can always pay extra to include the major dental treatment as well. While more expensive, the major dental treatment benefit covers the costs of gingivitis treatment, root scaling, bridgework, periodontitis treatment, and orthodontic work. And depending on the policy, wisdom tooth surgery may also be covered.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Last but not least, cosmetic dental treatments such as Invisalign are usually not covered, except when the dentist deems that it is medically necessary. Therefore, it is crucial that you check with your insurance agent or broker beforehand to ensure you understand your dental insurance coverage before purchasing it.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What should you consider when choosing a top-up plan?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As with other forms of insurance, there are a couple of things you should take note of before you decide on which health policy to buy. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Exclusions<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As mentioned above, cosmetic dental treatments such as Invisalign and teeth-whitening are usually excluded. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Waiting periods<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Waiting periods are the time policyholders have to wait before lodging claims to the insurers. Most dental insurance plans come with a six-month waiting period. And during that period, any dental work, be it major or minor, will not be compensated<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Co-payment<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Co-payment is the fixed amount policyholders have to pay when receiving certain healthcare services. Many dental plans cover a percentage of the cost of treatment. Regardless of the actual costs, most dental plans cover between 50% to 80% of the cost of dental care. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Specific clinics or hospitals<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some insurers have established close working relationships and direct billing arrangements with their network of dental facilities; while other non-network clinics require patients to pay first and submit claims later. Check your plan to see the list of network clinics so that you can choose the ones that provide a more direct and convenient claims process.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Portability<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If your work requires traveling a lot, then an international health plan with a dental rider may be a better option so that you will be covered in virtually every country in the world.<\/span><\/p>\n<div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.sg\/compare-quotes\/step-one\/?campSource=PPSG-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-781\" src=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2019\/06\/PPSG_Gen_02.jpg\" alt=\"Get an Insurance quote banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n\n<h2><span style=\"font-weight: 400;\">Getting insured for dental care<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Before you decide which insurance plan is suitable for you, you should definitely compare the prices of different plans and read through the T&amp;Cs carefully. An independent insurance brokerage like <\/span><a href=\"https:\/\/www.pacificprime.sg\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Pacific Prime Singapore<\/span><\/a><span style=\"font-weight: 400;\"> can save you the trouble and allow you to easily compare insurance solutions. With over 18 years of experience and nine offices across the world, we are an award-winning insurance intermediary that is well-versed in international health insurance and provides ongoing support to clients both during sales, claims, and renewals. <\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.sg\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Contact us<\/span><\/a><span style=\"font-weight: 400;\"> today for impartial insurance advice, an obligation-free quote, and a plan comparison!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nowadays, many Singaporean firms provide health insurance to their employees as a way to attract and retain talents. While for some employees the insurance provided by their company is already enough, many find that the coverage is too basic to truly meet their needs. However, instead of purchasing a standalone insurance policy, topping up the &#8230;<\/p>\n","protected":false},"author":11,"featured_media":1391,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[2],"tags":[767,768,304,630,270,40,41,30,45,599],"class_list":["post-1390","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-ban_sin","tag-cta_gen","tag-dental-insurance","tag-employee-benefits","tag-global-medical-insurance","tag-international-health-insurance","tag-international-medical-insurance","tag-singapore-health-insurance","tag-singapore-medical-insurance","tag-top-up-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Topping up your employee insurance with dental benefits<\/title>\n<meta name=\"description\" content=\"Today Pacific Prime Singapore will focus on how to top up your employee insurance with dental benefits and answer some of the most common questions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Topping up your employee insurance with dental benefits\" \/>\n<meta property=\"og:description\" content=\"Today Pacific Prime Singapore will focus on how to top up your employee insurance with dental benefits and answer some of the most common questions.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime Singapore&#039;s Blog\" \/>\n<meta property=\"article:published_time\" content=\"2018-12-28T08:06:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-05-29T03:34:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2018\/12\/pm-0216-med-img_5669-806.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1138\" \/>\n\t<meta property=\"og:image:height\" content=\"494\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Anthony Chan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Anthony Chan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Topping up your employee insurance with dental benefits","description":"Today Pacific Prime Singapore will focus on how to top up your employee insurance with dental benefits and answer some of the most common questions.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/","og_locale":"en_US","og_type":"article","og_title":"Topping up your employee insurance with dental benefits","og_description":"Today Pacific Prime Singapore will focus on how to top up your employee insurance with dental benefits and answer some of the most common questions.","og_url":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/","og_site_name":"Pacific Prime Singapore&#039;s Blog","article_published_time":"2018-12-28T08:06:09+00:00","article_modified_time":"2019-05-29T03:34:34+00:00","og_image":[{"width":1138,"height":494,"url":"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2018\/12\/pm-0216-med-img_5669-806.jpg","type":"image\/jpeg"}],"author":"Anthony Chan","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Anthony Chan","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/#article","isPartOf":{"@id":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/"},"author":{"name":"Anthony Chan","@id":"https:\/\/www.pacificprime.sg\/blog\/#\/schema\/person\/7160ace798b8a7d6880e7513f3b9b8bd"},"headline":"Topping up your employee insurance with dental benefits","datePublished":"2018-12-28T08:06:09+00:00","dateModified":"2019-05-29T03:34:34+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/"},"wordCount":915,"image":{"@id":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2018\/12\/pm-0216-med-img_5669-806.jpg","keywords":["Ban_sin","CTA_gen","dental insurance","employee benefits","global medical insurance","international health insurance","international medical insurance","Singapore health insurance","singapore medical insurance","top-up insurance"],"articleSection":["Insurance"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/","url":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/","name":"Topping up your employee insurance with dental benefits","isPartOf":{"@id":"https:\/\/www.pacificprime.sg\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/#primaryimage"},"image":{"@id":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2018\/12\/pm-0216-med-img_5669-806.jpg","datePublished":"2018-12-28T08:06:09+00:00","dateModified":"2019-05-29T03:34:34+00:00","author":{"@id":"https:\/\/www.pacificprime.sg\/blog\/#\/schema\/person\/7160ace798b8a7d6880e7513f3b9b8bd"},"description":"Today Pacific Prime Singapore will focus on how to top up your employee insurance with dental benefits and answer some of the most common questions.","breadcrumb":{"@id":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/#primaryimage","url":"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2018\/12\/pm-0216-med-img_5669-806.jpg","contentUrl":"https:\/\/www.pacificprime.sg\/blog\/wp-content\/uploads\/2018\/12\/pm-0216-med-img_5669-806.jpg","width":1138,"height":494,"caption":"Topping up your employee insurance with dental benefits"},{"@type":"BreadcrumbList","@id":"https:\/\/www.pacificprime.sg\/blog\/topping-up-your-employee-insurance-with-dental-benefits\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.pacificprime.sg\/blog\/"},{"@type":"ListItem","position":2,"name":"Topping up your employee insurance with dental benefits"}]},{"@type":"WebSite","@id":"https:\/\/www.pacificprime.sg\/blog\/#website","url":"https:\/\/www.pacificprime.sg\/blog\/","name":"Pacific Prime Singapore&#039;s Blog","description":"Informative articles covering insurance in Singapore and beyond","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pacificprime.sg\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.pacificprime.sg\/blog\/#\/schema\/person\/7160ace798b8a7d6880e7513f3b9b8bd","name":"Anthony Chan","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/b4086937183d04973f5b171a8dcff8a45568be52ee42cb4b0f15608aa4438ddb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b4086937183d04973f5b171a8dcff8a45568be52ee42cb4b0f15608aa4438ddb?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b4086937183d04973f5b171a8dcff8a45568be52ee42cb4b0f15608aa4438ddb?s=96&d=mm&r=g","caption":"Anthony Chan"},"description":"With over 13 years of experience in bilingual content creation and digital marketing, Anthony Chan is a seasoned writer and editor for Pacific Prime and its subsidiary, Kwiksure. Leveraging his deep understanding of local and international insurance landscapes, he crafts a diverse range of online and offline articles, reports, e-newsletters, videos, and more. His expertise encompasses a broad range of areas including international health insurance, employee benefits solutions, motor insurance, life insurance, and various other forms of general insurance. This breadth of knowledge enables him to distill an array of complex insurance concepts into a series of progressive, easily understandable articles. Anthony earned his Bachelor of Arts degree from Lingnan University, majoring in Translation and minoring in English. He also studied at West Virginia University in the United States as an exchange student. When he\u2019s not working, Anthony can typically be found on the badminton court, in the gym, or at the theatre.","sameAs":["https:\/\/www.linkedin.com\/in\/anthonyc1013\/"],"url":"https:\/\/www.pacificprime.sg\/blog\/author\/anthony\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/posts\/1390","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/comments?post=1390"}],"version-history":[{"count":1,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/posts\/1390\/revisions"}],"predecessor-version":[{"id":1392,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/posts\/1390\/revisions\/1392"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/media\/1391"}],"wp:attachment":[{"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/media?parent=1390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/categories?post=1390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificprime.sg\/blog\/wp-json\/wp\/v2\/tags?post=1390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}