Insurance
Direct billing with eight insurers. Reimbursement billing for the rest.
We are in-network with the eight insurers below — for those, we submit your claim directly and you only pay the patient share at the visit. For any other insurer, we provide a complete claim pack so you can submit it yourself for reimbursement.
In-network insurers
Daman
In-network
Plan family: National Health Insurance Company — Daman (Enhanced & Premium)
Pre-authorisation: No pre-auth for routine care. Pre-auth required for any planned surgical procedure exceeding AED 5,000.
Routine: 10% on routine and preventive
Major restorative: 20% on major restorative (crowns, bridges, root canals)
Orthodontic benefit: Premium plans include a lifetime orthodontic benefit of AED 18,000.
AXA Gulf
In-network
Plan family: AXA Gulf — Comprehensive and Standard plans
Pre-authorisation: No pre-auth for routine care. Pre-auth required for surgery exceeding AED 7,500.
Routine: 20% on routine and preventive
Major restorative: 30% on major restorative
Cosmetic procedures (whitening, veneers) are excluded.
Aetna International
In-network
Plan family: Aetna International — Pioneer / Pioneer Plus / Summit
Pre-authorisation: Pre-authorisation required for any planned procedure exceeding AED 3,000.
Routine: 0% on Pioneer Plus / 20% on Pioneer
Major restorative: 10–20% depending on plan tier
Orthodontic benefit: Pioneer Plus includes an orthodontic benefit (lifetime cap typically AED 25,000).
Allianz Care
In-network
Plan family: Allianz Care — International Health
Pre-authorisation: No pre-auth for routine care. Pre-auth required for orthodontics and implants.
Routine: 20% on routine
Major restorative: 30% on major restorative
Orthodontic benefit: Some plans include orthodontics (lifetime cap AED 20,000–25,000).
Cigna International
In-network
Plan family: Cigna Global / Cigna International — Standard, Plus, Platinum
Pre-authorisation: Pre-authorisation required for any planned procedure exceeding AED 5,000.
Routine: 20% across the board on Standard
Major restorative: 20% on Plus / 0% on Platinum within annual limit
Implants covered on Platinum only (subject to annual limit).
MetLife
In-network
Plan family: MetLife (PPO Dental)
Pre-authorisation: No pre-auth for in-network preventive. Pre-auth required for procedures exceeding AED 4,000.
Routine: 0% on preventive (in-network)
Major restorative: 20% on basic / 50% on major
Now Health
In-network
Plan family: Now Health International — Apex / Foundation
Pre-authorisation: Pre-authorisation required for any procedure exceeding AED 4,000.
Routine: 20% routine
Major restorative: 30% major
Bupa Global
In-network
Plan family: Bupa Global — Premier / Elite
Pre-authorisation: No pre-auth for in-network preventive. Pre-auth required for procedures exceeding AED 5,000.
Routine: 20% on basic
Major restorative: 30% on major restorative
Orthodontic benefit: Elite plan includes a lifetime orthodontic benefit (AED 22,000).
How direct billing works
- You bring your insurance card to the consultation visit.
- We file the claim with your insurer at the time of service.
- You pay only the patient share (co-pay or deductible) at the visit.
- For larger procedures we submit a pre-authorisation request and wait for the approval before starting.
How reimbursement billing works
- You pay the full fee at the visit by card or bank transfer.
- We give you a complete claim pack — invoice, itemised treatment codes, and clinical notes if requested.
- You submit it to your insurer through their app or portal.
- Most patients are reimbursed within four to six weeks.