Toothaches and broken glasses are common, and families often ask who should pay. MOM's position on medical costs is clear, and it covers more than many employers expect.
MOM's general rule
MOM makes employers responsible for their helper's medical needs, including all medical costs, hospitalisation and six-monthly medical examinations, plus medical and personal accident insurance. You cannot pass the cost of the insurance to your helper, and MOM notes that her full salary should not be reduced for medical expenses.
Dental treatment
MOM's FAQ states that if dental treatment is deemed necessary for her health by a Singapore-registered medical or dental professional, the employer bears the cost, even if the condition is not work-related. Toothache, infections and broken teeth that a dentist says need treatment fall into this category.
Eye care and glasses
MOM's pages do not list glasses separately. A practical approach many employers take:
- If a doctor finds an eye condition that needs treatment, treat it like other medical care.
- For routine glasses or contact lenses, agree an arrangement in writing, for example the employer pays for one pair a year.
- If she needs glasses to work safely, such as for cooking or childcare, covering them is a sensible investment.
What insurance does and does not cover
The compulsory medical insurance covers inpatient care and day surgery. Routine dental visits and glasses are usually not covered, so they come from your budget. Some insurers offer add-on plans; MOM notes employers can buy additional insurance for peace of mind.
Good practice
- Ask about dental or eye problems during the first weeks, when small issues are cheaper to fix.
- Choose a nearby clinic and keep receipts with your household records.
- Give her time off for appointments, and make sure she can explain her symptoms, bringing a translation app if needed.
- Agree in writing how optional care, such as teeth whitening, is handled.
Why it matters
Untreated dental pain or poor eyesight affects her health, safety and work. Paying for necessary care early usually costs less than dealing with an emergency later, and it builds trust.
See our cost overview for budgeting.
Official source: MOM's rest days, health and well-being page.
A worked example
Your helper mentions a toothache that has lasted a week. You take her to a nearby dental clinic, where the dentist recommends a filling and says it is needed to prevent infection. Because a Singapore-registered dentist has said the treatment is necessary for her health, you pay for it, keep the receipt, and give her the afternoon to rest. Later she asks about braces for cosmetic reasons; you discuss it and agree in writing that this is her own choice and cost.
Common questions
Can I deduct dental costs from her salary?
MOM expects employers to bear necessary medical costs, including dental treatment a Singapore-registered professional deems necessary, without deducting them from her salary.
Does the medical insurance cover dental?
The compulsory medical insurance focuses on inpatient care and day surgery. Routine dental care is usually outside it, so budget for it separately.
Last reviewed: September 2026. Procedures change, so confirm the current steps on mom.gov.sg or with your licensed employment agency.
