Broad Spectrum Costs for Dental Insurance Coverage in the UAE

UAE: Health insurance plans offering dental and optical coverage in the UAE present a diverse range of costs, starting from as low as Dh3,000 (US$818) and soaring to over Dh100,000 (US$27,250) per person, according to industry executives. 

Avinash Babur, the founder and CEO of Insurancemarket.ae, notes that the starting point for inclusion of eye and dental coverage typically begins around Dh4,500. The final cost, however, is influenced by factors such as the individual’s age, the network of hospitals covered, and the extent of coverage desired.

Factors Influencing Costs

The broad spectrum of costs reflects the varied needs and preferences of insurance buyers, ranging from basic to highly comprehensive coverage. 

Babur highlights that factors like the policy buyer’s medical history, desired coverage extent, and choice of healthcare providers are crucial considerations when determining the final policy cost. 

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For the specific coverage of optical and dental, costs can start from Dh400 for optical, with a sub-limit of Dh1,500 and a 20% copay. Dental coverage incurs an additional cost of approximately Dh600, with a sub-limit of Dh3,000.

Toshita Chauhan, business head for health and motor insurance at Policy Bazaar, emphasizes the difference between basic insurance mandated by the Dubai Health Authority and comprehensive individual insurance plans. The basic plan covers optical and dental treatment only in emergencies. 

However, a comprehensive individual plan, starting at Dh3,000, covers dental treatment with a limit of Dh1,500 and a 20% copay, along with optical coverage for Dh1,500, including sub-limits for glasses, frames, and lenses.

Group Insurance Plan Variances

Chauhan further notes that group insurance plans for individuals and their companies vary. For example, a cost-effective network plan may charge Dh100 for optical coverage with a 20% copay and Dh1,500 limit (reimbursement only), while dental coverage might cost Dh300 with a limit of Dh3,500 and a 20% copay.

Avinash Babur underscores the impact of the policy buyer’s age on premiums, particularly when adding eye and dental coverage. Premiums substantially increase with age due to the higher risk associated with older individuals who may require more medical interventions, including those related to eye and dental health. 

This age-related premium adjustment aligns with common practices in health insurance plans, reflecting the increased cost of providing healthcare services to older policyholders.