Dental Insurance Dubai | Direct Billing at Top Smile
We accept NAS, MedNet, MetLife and most major dental insurance plans in Dubai.
Top Smile Dental Clinic offers direct billing with major UAE insurance providers at both our Oud Metha and Dubai Silicon Oasis clinics. No upfront payment for covered treatments — we handle everything.
Direct Billing Insurance Partners
We bill these providers directly. No upfront payment for covered treatments.
MedNet
Direct Billing
Almadallah
Direct Billing
NextCare
Direct Billing
MetLife
Direct Billing
Daman Health
Direct BillingReimbursement-Based Insurers
We welcome patients from all insurers. Pay at the clinic and claim back with our DHA-compliant documentation.
Also accepted: Orient Insurance, Emirates Insurance, ADNIC, Enaya, Saico, and all other UAE-regulated insurers on a reimbursement basis. We provide same-day itemised invoices with DHA procedure codes.
What Does Dental Insurance Cover in Dubai?
Coverage depends on your plan tier. Here's a typical breakdown:
| Treatment | Basic Plan | Enhanced Plan | Premium Plan | Our Price |
|---|---|---|---|---|
| Check-up & Cleaning | ✅ 1-2×/year | ✅ 2×/year | ✅ Unlimited | From AED 250 |
| Dental Fillings | ✅ Covered | ✅ Covered | ✅ Covered | From AED 250 |
| Root Canal | ⚠️ Limited | ✅ Covered | ✅ Covered | From AED 800 |
| Dental Crowns | ❌ Usually not | ✅ With pre-auth | ✅ Covered | From AED 800 |
| Extractions | ✅ Simple only | ✅ All types | ✅ All types | From AED 300 |
| Dental Implants | ❌ Not covered | ❌ Usually not | ⚠️ Some plans | From AED 2,999 |
| Veneers | ❌ Cosmetic | ❌ Cosmetic | ❌ Cosmetic | From AED 499 |
| Braces / Invisalign | ❌ Not covered | ⚠️ Some plans | ✅ Partial | From AED 3,700 |
⚠️ Coverage varies by policy. Our team verifies your specific benefits before treatment. For treatments not covered by insurance, we offer 0% interest payment plans.
How to Use Your Insurance at Top Smile
Book & Mention Insurer
Call us or WhatsApp. Tell us your insurance provider and card number.
Bring Card & Emirates ID
We verify your benefits, coverage limits, and co-pay on the spot.
We Handle Pre-Auth
For major treatments (crowns, root canals), we obtain pre-authorisation.
Treatment & Direct Billing
You pay only your co-pay (if any). We bill the insurer directly.
Check Your Coverage — Free
Call us with your insurance card number and we'll verify your plan, limits, and co-pay before your appointment.
Our Insurance-Accepted Clinics
📍 Oud Metha Clinic
Sultan Business Centre, Oud Metha Road
Convenient for: Al Karama, Bur Dubai, Healthcare City, Zabeel, Downtown
📍 DSO Clinic
Palace Towers, Nadd Hessa, Silicon Oasis
Convenient for: Academic City, International City, Mirdif, Nad Al Sheba
Not Covered? 0% Payment Plans Available
Cosmetic treatments like veneers, Hollywood Smile, and dental implants are typically not covered by insurance. We offer flexible 0% interest payment plans to make these treatments accessible:
VENEERS
From AED 83/mo
12-month plan
IMPLANTS
From AED 250/mo
12-month plan
INVISALIGN
From AED 417/mo
12-month plan
HOLLYWOOD SMILE
From AED 667/mo
12-month plan
Frequently Asked Questions
Top Smile Dental Clinic accepts most major dental insurance providers in Dubai including MetLife, Cigna, Daman, Oman Insurance, AXA, Bupa, Neuron, Nextcare, and many others. We regularly update our insurance panel. If your provider is not listed, please call us on +971 58 508 7321 and we will check coverage for you.
Yes, we offer direct billing with most of our partnered insurance providers. This means you do not need to pay upfront and claim later. Our front desk team handles the pre-authorisation and billing process for you, so your visit is as hassle-free as possible.
Most dental insurance plans in Dubai cover preventive treatments like checkups, cleaning, and X-rays. Basic restorative treatments such as fillings and extractions are usually covered as well. Orthodontics, cosmetic procedures, and implants may have partial coverage or require pre-approval. Our team will verify your specific benefits before any treatment begins.
Simply call us on +971 58 508 7321 or WhatsApp your insurance card details and the treatment you need. Our insurance coordinator will check your policy benefits, co-pay amounts, and any pre-authorisation requirements. We do this free of charge before your appointment so there are no surprises.
If your treatment exceeds your insurance coverage, you only pay the remaining balance out of pocket. Top Smile offers 0% finance plans to help cover any excess costs, making it easy to spread payments. We always inform you of any out-of-pocket costs before starting treatment so you can make an informed decision.
Visit Our Clinics
This treatment is available at both our Dubai locations:
Questions? Speak to a specialist today.
Consultations available at our Oud Metha & Dubai Silicon Oasis clinics.
Ready to transform your smile?
Visit us at Oud Metha or Dubai Silicon Oasis — same-week appointments available.