How the add-ons are written
Dental and optical are almost always sub-limits with their own co-payment, sitting inside the main annual limit. A typical structure is a AED 2,000 dental sub-limit with 20% co-payment, and an optical benefit of AED 500 to AED 1,000 for lenses and frames once per policy year.
The arithmetic is unusually simple
Unlike hospitalisation, dental and optical usage is predictable — you broadly know whether you will need a cleaning, a filling, or a new prescription this year. Compare the annual premium loading against your realistic expected spend, after the co-payment. If the loading exceeds it, pay cash.
What is almost never covered
- Cosmetic dentistry: whitening, veneers, aligners
- Orthodontics for adults, on most plans
- Implants, or a long waiting period before they qualify
- Sunglasses, and non-prescription lenses
- Laser vision correction
When it does pay
Two cases. Families with children, where routine dental visits multiply across members on a shared limit. And anyone with a known upcoming treatment — but declare it, because a treatment already planned at inception is a pre-existing condition like any other.
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