If you've ever had to get a root canal, a crown, or even a simple cleaning, you know dental care isn’t cheap. That's why dental insurance in the UAE is becoming a must-have add-on for many residents looking to protect their smiles and their wallets. UAE insurers are increasingly offering dental insurance as either part of their core medical plans or as an optional upgrade. While basic emergency dental care is often included, full coverage for things like fillings, extractions, and cleanings usually requires an add-on or a premium plan. ...read more
Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Takaful Emarat
Plan NameECARE BLUE
Medical Cover (AED)150,000
Starting FromAED 5,566/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
HAYAH Insurance
Plan NameBlue
Medical Cover (AED)150,000
Starting FromAED 5,739/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Blue
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Insurance
Plan NameHealth Plus - Plan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,780/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Cigna
Plan NameHealthguard Regional
Medical Cover (AED)2,750,000
Starting FromAED 35,756/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
General
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
GIG Gulf (Previously AXA)
Plan NameGlobal
Medical Cover (AED)7,500,000
Network
The list of hospitals & clinics where your health insurance plan can be applied.
In-house A1
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Fidelity United
Plan NameHealth First Plan G
Medical Cover (AED)500,000
Starting FromAED 5,083/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
PCP- C Network
Clinic Only
Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Dubai Insurance
Plan NameDubaiCare Next N5
Medical Cover (AED)1,000,000
Starting FromAED 6,097/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
DubaiCare Next
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Takaful Insurance
Plan NamePlan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,772/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
RAK Insurance
Plan NameNextcare RN3
Medical Cover (AED)1,000,000
Starting FromAED 6,787/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Dubai National Insurance
Plan NameEssential
Medical Cover (AED)150,000
Starting FromAED 7,350/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP/RN3
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Adamjee
Plan NameSilk Road
Medical Cover (AED)1,000,000
Starting FromAED 10,500/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
MEDNET Silk Road
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Watania Takaful (Previously Noor Takaful)
Plan NameNAS NRICare Plan 6
Medical Cover (AED)1,000,000
Starting FromAED 11,058/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NAS-VN
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Abu Dhabi National Insurance Company
Plan NameBronze
Medical Cover (AED)250,000
Starting FromAED 17,993/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
MSHI Bronze
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Allianz
Plan NameSelect Pearl (Comprehensive excl CCAD network)
Medical Cover (AED)6,426,800
Starting FromAED 69,520/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
In-house
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Sukoon Bupa
Plan NameSelect
Medical Cover (AED)6,239,000
Starting FromAED 69,883/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Premium Network
Plans shown as per selected filters. T&Cs apply
Plans shown as per selected filters. T&Cs apply
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.
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.
Can I buy dental insurance separately without health insurance?
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.
Does dental insurance cover cosmetic treatments like teeth whitening or veneers?
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.
Are braces and orthodontic treatments covered?
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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