Dental Insurance UAE: Dental Insurance Types, Coverage & Benefits

Best Dental Insurance plans in UAE

The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

What is Dental Insurance in the UAE?

In the UAE, dental insurance isn’t a standalone insurance product — it’s included as part of a broader health insurance policy. In most cases, dental coverage is either:

Built into the medical policy (especially for Dubai visa holders), or
Offered as an optional add-on for an extra premium

Basic plans usually cover emergency dental care — think of pain relief, infections, or trauma caused by accidents. But if you're looking for routine dental care (like cleanings, fillings, x-rays, and root canals), that often requires you to have a comprehensive policy or dental add-on module.

Coverage Options and Dental Insurance Benefits

Depending on your provider and the type of policy you choose, dental coverage can range from basic emergency care to full annual check-ups, treatments, and even orthodontics. Some plans include dental by default, while others offer it as an optional upgrade.

Most insurance providers in the UAE offer two levels of dental coverage —

Basic or Emergency Dental Care

This is the most commonly included benefit in standard health plans and covers —

Toothaches and dental pain
Tooth extractions due to injury
Emergency fillings or root canals
Gum infections or trauma

This type of care is covered by almost all insurers, especially for Dubai residents, as per government health regulations.

Routine & Preventive Dental Care

This includes —

Regular checkups
Scaling and polishing (cleaning)
Fillings, crowns, and bridges
Root canal treatments
X-rays and oral exams

Routine dental is usually an optional add-on, available only in higher-tier plans.

Advanced and Major Dental Treatments

Some enhanced comprehensive policies also cover —

Dentures and implants
Orthodontic treatments (like braces)
Cosmetic procedures (veneers, whitening)

These services are rarely covered unless you’ve opted for a premium insurance module. Even then, co-payments may apply.

Who Should Buy Dental Insurance in the UAE?

Here is the list of who really benefits from buying dental insurance in the UAE —

Families with Kids: Children need regular dental check-ups, cavity fillings, and, sometimes, even orthodontic care. Dental coverage helps parents manage these recurring costs, especially if the plan includes preventive care and follow-ups.
Working Professionals: Busy schedules and stress can lead to dental issues like grinding, sensitivity, or gum problems. Professionals who value quick access to private dental care — without huge bills — should definitely consider dental cover, especially if their employer-provided plan doesn’t include it.
Adults Above 40: As we age, our dental health needs increase. From gum treatments to root canals and even dentures, costs can rise quickly. Dental insurance can ease the burden, especially for long-term treatments that come with age.
People with a History of Dental Problems: If you’ve had dental issues before, like frequent cavities, gum disease, or jaw pain, dental coverage can be a cost-effective way to manage and maintain your oral health without worrying about unexpected bills.

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What is Included in Dental Insurance in the UAE?

Dental insurance in the UAE usually comes with a set list of treatments and services that are covered during your policy period. These services can vary depending on your insurance provider and the type of plan you choose.

With that said, most dental insurance benefits can be grouped into a few common categories that help maintain your oral health and address common dental problems.

Given below is a breakdown of what’s generally included —

Consultations and Check-Ups

Most dental policies allow you to visit a dentist for routine consultations. This includes —

Oral exams
General assessments for pain, sensitivity, or swelling
Professional advice and diagnosis

Basic Treatments

Once a problem is found, insurance often covers common dental procedures such as —

Tooth fillings (to treat cavities)
Tooth extractions (removing damaged or decayed teeth)
Root canal treatments (to save infected teeth)
Simple gum treatments

X-Rays and Diagnostics

Some policies include dental X-rays and basic diagnostic procedures. These help detect:

Hidden decay
Bone loss
Impacted teeth or other underlying conditions

Scaling and Polishing (if covered)

In a few upgraded plans, dental cleaning may also be included. This helps remove plaque and tartar, reducing the risk of gum disease.

Follow-Up Visits

Many insurers offer free or reduced-cost follow-up visits, especially if done within 7 days of the initial treatment. This allows for:

Checking healing progress
Minor adjustments
Further care instructions

What is Not Included in Dental Insurance in the UAE?

Most regular dental insurance plans do not cover cosmetic procedures, braces, implants, or surgical work unless you purchase an add-on. These services fall under advanced or premium plans.

How to Get Dental Coverage in the UAE?

If you're looking for dental insurance in the UAE, a great place to start is Policybazaar Health Insurance. It’s an easy-to-use online platform that helps you compare plans from top insurance providers in the country.

Policybazaar.ae is a smart choice for you as —

✅ It shows multiple medical insurance plans in one place
📋 You can view each plan’s Table of Benefits, which clearly mentions if dental coverage is included
🔍 You can check details like what’s covered, coverage limits, waiting periods, and co-payments related to dental treatments
💻 You don’t need to visit different provider websites — everything is listed for easy comparison

Just visit the website, enter a few details, and browse available plans that suit your needs. It’s a quick and reliable way to find affordable dental insurance in the UAE.

No, dental insurance is not mandatory in the UAE. However, emergency dental treatment is usually included in basic health insurance plans. Routine dental care (like cleanings, fillings, and more) is optional and usually comes as an add-on or with premium plans.

In most cases, dental insurance is not sold as a standalone policy. It's offered as part of a health insurance plan or as an add-on module. If you’re looking for full dental benefits, you’ll need to upgrade your medical insurance or add a dental rider.

No, cosmetic dental procedures such as teeth whitening, veneers, and smile design are not covered under standard dental insurance plans in the UAE. Insurance only covers medically necessary treatments. Cosmetic care is considered elective and must be paid out-of-pocket.

Only some high-end insurance plans or optional dental modules (like Cigna’s Healthy Connect) offer partial coverage for orthodontics. There’s often a waiting period (e.g. 18 months) and a coinsurance requirement (you might pay up to 50%). Most basic and mid-range plans do not include orthodontic benefits.

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