Policybazaar Insurance
Policybazaar Insurance

Dental Insurance in UAE

Dental insurance covers the cost of routine dental care and unexpected oral treatments. From regular check-ups and cleanings to emergency procedures, dental coverage eliminates out-of-pocket expenses while providing you with quality treatment.

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AED 1 million Health cover starting @4/Day

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Best Health Insurance Plans in UAE

GP Clinic
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<ul> <li>You can visit a GP (general doctor) directly at a clinic.</li> <li>To see a specialist at a clinic, your GP must provide a referral (if required).</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go directly to the hospital for inpatient care without a referral.</li> </ul>
Takaful Emarat
Takaful Emarat
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
GP Clinic
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<ul> <li>You can visit a GP (general doctor) directly at a clinic.</li> <li>To see a specialist at a clinic, your GP must provide a referral (if required).</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go directly to the hospital for inpatient care without a referral.</li> </ul>
HAYAH Insurance
HAYAH Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Blue
Specialist Clinic
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<ul> <li>You can go directly to a specialist at a clinic without a GP referral.</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go straight to the hospital for inpatient care without a referral.</li> </ul>
Orient Insurance
Orient Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Full Access
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<ul> <li>You can go directly to the hospital for any reason without any referrals.</li> <li>Full freedom for both outpatient (day visits) and inpatient (overnight stays).</li> </ul>
Cigna
Cigna
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
General
Full Access
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<ul> <li>You can go directly to the hospital for any reason without any referrals.</li> <li>Full freedom for both outpatient (day visits) and inpatient (overnight stays).</li> </ul>
GIG Gulf (Previously AXA)
GIG Gulf (Previously AXA)
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
In-house A1
GP Clinic
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<ul> <li>You can visit a GP (general doctor) directly at a clinic.</li> <li>To see a specialist at a clinic, your GP must provide a referral (if required).</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go directly to the hospital for inpatient care without a referral.</li> </ul>
Fidelity United
Fidelity United
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
PCP- C Network
GP Clinic
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<ul> <li>You can visit a GP (general doctor) directly at a clinic.</li> <li>To see a specialist at a clinic, your GP must provide a referral (if required).</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go directly to the hospital for inpatient care without a referral.</li> </ul>
Dubai Insurance
Dubai Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
DubaiCare Next
Specialist Clinic
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<ul> <li>You can go directly to a specialist at a clinic without a GP referral.</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go straight to the hospital for inpatient care without a referral.</li> </ul>
Orient Takaful Insurance
Orient Takaful Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Specialist Clinic
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<ul> <li>You can go directly to a specialist at a clinic without a GP referral.</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go straight to the hospital for inpatient care without a referral.</li> </ul>
RAK Insurance
RAK Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Dubai National Insurance
Dubai National Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP/RN3
Specialist Clinic
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<ul> <li>You can go directly to a specialist at a clinic without a GP referral.</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go straight to the hospital for inpatient care without a referral.</li> </ul>
Adamjee
Adamjee
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
MEDNET Silk Road
GP Clinic
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<ul> <li>You can visit a GP (general doctor) directly at a clinic.</li> <li>To see a specialist at a clinic, your GP must provide a referral (if required).</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go directly to the hospital for inpatient care without a referral.</li> </ul>
Watania Takaful (Previously Noor Takaful)
Watania Takaful (Previously Noor Takaful)
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NAS-VN
Full Access
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<ul> <li>You can go directly to the hospital for any reason without any referrals.</li> <li>Full freedom for both outpatient (day visits) and inpatient (overnight stays).</li> </ul>
Abu Dhabi National Insurance Company
Abu Dhabi National Insurance Company
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
MSHI Bronze
Full Access
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<ul> <li>You can go directly to the hospital for any reason without any referrals.</li> <li>Full freedom for both outpatient (day visits) and inpatient (overnight stays).</li> </ul>
Allianz
Allianz
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
In-house
Full Access
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<ul> <li>You can go directly to the hospital for any reason without any referrals.</li> <li>Full freedom for both outpatient (day visits) and inpatient (overnight stays).</li> </ul>
Sukoon Bupa
Sukoon Bupa
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Premium Network
Plans shown as per selected filters. T&Cs apply

What is Dental Insurance?

Dental insurance UAE is a health insurance benefit or add-on that covers expenses related to dental treatments. The coverage generally includes preventive care such as consultations, scaling, polishing, X-rays, and basic procedures like fillings or extractions. 

Furthermore, some comprehensive plans may also cover advanced treatments such as root canals, crowns, and gum treatments.

Why Should You Buy Dental Coverage Insurance UAE?

People often think it is not crucial to include dental coverage when buying health insurance. However, the related costs can be quite high at times and 

Provides Emergency Coverage

Dental emergencies, including severe tooth pain, infections, or accidental damage, can occur unexpectedly. With insurance, you can access instant treatment at network clinics without worrying about high emergency dental costs.

Helps You Save Money

As mentioned, with high medical costs, you may have to spend a lot on your gum and dental treatments, especially without insurance coverage. A dental cover helps reduce such expenses by covering consultations, procedures, and sometimes even major therapies. 

Access to Preventive Care

Regular dental check-ups and cleanings are crucial for maintaining oral health. A valid insurance plan promotes preventive care as it covers routine checkups, which help diagnose issues at an early stage. Hence, it also eliminates costly treatments later.  

Who Needs Dental Coverage Insurance UAE?

Everyone needs dental insurance UAE. But categorisation always helps. Here’s a list of individuals who must have a dental cover included in their comprehensive health insurance policy –

Kids and Children

Children require regular dental check-ups and cavity care. Teeth insurance ensures timely preventive care, promotes healthy oral habits, and helps avoid long-term dental issues.

Senior Citizens

With age, the possibility of developing dental issues such as gum disease, tooth loss, and infections increases. With proper insurance, dental visits and treatment costs become more affordable. This further ensures better oral health in later years.

Individuals With a History of Dental Issues

Treatments and medication costs for recurring dental problems, such as cavities or gum disease, can be quite high. However, a dental insurance plan ensures all these are covered at a low cost. 

Working Professionals

Busy professionals often delay dental visits due to their hectic schedules. Their busy lifestyles can cause dental issues in later stages. Dental insurance enables quick access to clinics and hospitals at an affordable price, helping maintain oral health without any stress.

Is Teeth Insurance Covered in Comprehensive Health Insurance?

In the UAE, basic health insurance plans usually do not include dental coverage. However, many comprehensive health insurance policies offer dental insurance as an add-on or as part of premium plans. Coverage limits, treatments included, and network hospitals vary as per insurer. Therefore, check the policy details before purchasing.

Types of Health Insurance Offering Dental Coverage in the UAE

Several health insurance plans in the UAE now include dental insurance benefits. Depending on your life stage and family needs, you can choose from different types of dental coverage insurance UAE plans.

Individual Health Insurance

A dental insurance UAE within a comprehensive health policy for individuals provides coverage for routine dental check-ups, fillings, scaling, and other treatments. This is suitable for professionals seeking teeth insurance at an economical premium with quality dental care access.

Family Health Insurance

A family health insurance plan with dental coverage protects parents and children. Note that each member has a different policy with the same amount of coverage. This plan reduces your out-of-pocket costs for cleanings, treatments, and basics, making it a cost-effective solution for your family’s health. 

Senior Citizen Health Insurance

As we age, taking care of our oral health becomes more important. Health insurance for senior citizens with dental cover generally includes gum treatment, regular dental consultations, and more. Having a reliable teeth insurance policy ensures that senior citizens in your family remain protected without any financial stress. 

Health Insurance for Kids

A comprehensive insurance with dental cover helps kids with early preventive oral care. Routine dental visits, cavity treatments, and basic orthodontic needs are covered, helping parents secure long-term oral care for their children.

What are the Inclusions of Dental Insurance UAE?

The following are the general inclusions of teeth insurance in the UAE–

  • Doctor Consultation 
  • Scaling
  • X-Ray 
  • Amalgam Fillings 
  • Tooth Extraction
  • Root Canal Treatment 
  • Temporary and/or Permanent Composite

What are the Exclusions of Dental Coverage Insurance UAE?

Most standard dental insurance plans don’t include braces, implants, surgeries, or cosmetic treatments. To get coverage for these, you need to include an add-on or choose a higher, premium plan.

How to Buy Dental Insurance?

At Policybazaar.ae, you get the best dental coverage insurance UAE. We put our customers first; hence, we provide you with a seamless insurance buying process. Here’s how to buy–

  1. Click here for the lead form. 
  2. Answer the relevant questions. 
  3. Submit the form to view the quotes page. 
  4. On the quotes, you will find a list of insurers and their plans. 
  5. Read the fine print of plans and compare them. 
  6. Select the best plan and apply. 
  7. Proceed with the on-screen prompts and complete the payment process.  

How to Choose Dental Insurance UAE?

Follow these smart tips to choose the most suitable teeth insurance–

Know Your Requirements

The primary step is to assess your dental needs based on age, medical history, and frequency of dental visits. This helps you choose a plan with adequate coverage, limits, and at an affordable price. 

Compare Plans

Now that you're aware of your requirements, compare similar plans from various providers to get the best deal. At Policybazaar.ae, compare plans from top insurance providers across the UAE under one roof. This helps you browse and analyse coverage benefits, annual limits, co-payments, and exclusions.

Choose a Comprehensive Plan

When choosing a policy, review if the plan covers all the necessary services, including basic, preventive, and other major dental treatments, to provide you with maximum protection.

Check for the Insurer’s Reputation and CSR

It is essential to choose insurers with a strong claim settlement ratio and a wide network of dental clinics across the UAE for hassle-free treatment. A higher CSR ensures you don’t have to face any issues while filing your claim. Additionally, read customer reviews and testimonials to know the reputation of the provider in the market.

Related Health Insurance

Frequently Asked Questions 

Is dental insurance mandatory in the UAE?

No, having a teeth insurance policy is not mandatory. However, dental costs are high in the country. Residents should consider dental coverage as part of comprehensive health insurance. It allows them to have a routine checkup and manage emergency expenses.

What does dental coverage insurance UAE include?

Dental insurance generally covers consultations, scaling, polishing, fillings, X-rays, and extractions. Besides, some comprehensive plans may also include root canals, gum treatments, and more, depending on the policy you choose. 

Is dental coverage included in basic health insurance plans?

Generally no. Most providers do not offer dental coverage in their basic health insurance plans. Dental and gum coverage is usually an add-on. 

Can I buy dental insurance separately from my regular health insurance in the UAE?

There are no standalone dental insurance plans in the UAE. This coverage is covered as an optional benefit in a comprehensive health insurance policy or included within premium medical insurance plans.

Are dental emergencies covered under dental insurance?

Yes, emergency treatments are often covered in dental insurance. These include severe tooth pain, infections, or accidental damage. However, check your policy to know if the treatment is covered in your policy and included in the policy's coverage limit.  

Does teeth insurance cover braces in the UAE?

Treatments like braces are usually excluded from standard dental insurance plans. Coverage is available under selected premium plans or as a specific add-on, often with sub-limits.

Can I choose a dentist at an out-of-network hospital?

Dental insurance coverage is usually available only at network dental clinics approved by the insurer. If you visit an out-of-network hospital, it limits the reimbursement or provides no coverage, based on policy terms.

Does dental insurance cover cosmetic dental procedures?

Most insurers do not cover any dental-related cosmetic treatments, such as teeth whitening or smile design procedures. This is because these are considered elective rather than medically necessary.

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