Dental Clinics in Dubai that Accept Nextcare Insurance
Nextcare is one of the UAE's largest Third Party Administrators — managing health insurance claims on behalf of ADNIC, AXA, and other UAE insurers. Find dental clinics in the Nextcare network, understand how TPA claims work, and learn how to use your Nextcare card to pay only your co-payment.
Unsure how your plan compares to others? Read the dental insurance Dubai overview covering all five major insurers, what basic plans include, and how the claims process works.
Direct billing and pre-auth, without the reception surprise
A Nextcare-network clinic checks your card, underlying insurer, remaining AED dental cap, and co-pay in real time. Routine check-ups, cleaning, X-rays, fillings, and simple extractions usually direct bill on the day. Root canals, crowns, bridges, and surgical extractions need pre-authorisation first, and the clinic submits that request through the Nextcare portal.
Insurance plan-fit checklist
Ask a verified clinic to confirm your NextCare plan before you book.
Shortlist verified clinics by area and treatment, then confirm network status, direct billing, pre-authorisation, and your remaining dental limit before treatment starts.
Card check
Confirm your exact policy and network tier.
Co-pay clarity
Ask what is covered and what remains self-pay.
Nearby options
Shortlist clinics in the areas you actually visit.
Confirm before treatment: clinic participation, direct billing, pre-authorisation, and remaining dental limits can vary by plan tier, branch, provider network, and treatment code. Ask the clinic and NextCare to verify your exact policy before you approve treatment.
NextCare network check
Confirm direct billing, dental sub-limit, and pre-auth needs with the clinic and insurer before treatment.
Nextcare is the UAE's largest third-party administrator (TPA), managing dental claims for multiple insurers including MetLife, Sukoon, and AXA. Nextcare-administered plans accept dental treatment at thousands of UAE network clinics via direct billing. Coverage terms depend on your underlying insurance plan, not Nextcare itself.
- ✓TPA — not an insurer; manages claims for MetLife, Sukoon, and others
- ✓Direct billing at all Nextcare-network clinics
- ✓Pre-auth submitted by your clinic through Nextcare portal
- ✓Check your plan's dental sub-limit (varies by insurer, AED 1,500–3,000)
- ✓Nextcare portal and app for claims tracking and provider search
Who Are the Underlying Insurers Behind Nextcare?
Nextcare administers claims for multiple UAE-licensed insurance companies. Your dental benefits are set by whichever insurer underwrites your policy.
Nextcare is a TPA — not an insurer
Nextcare processes your claims but does not underwrite your policy. Your actual insurance coverage — what's covered, annual limits, co-pay — is set by your underlying insurer (e.g., ADNIC or AXA). Check your policy schedule for exact dental benefits.
| Underlying Insurer | Nextcare's Role |
|---|---|
| ADNIC (Abu Dhabi National Insurance) | Primary underwriter for many Nextcare-managed plans |
| AXA Insurance UAE | Some AXA group plans are administered by Nextcare |
| Noor Takaful | Takaful-compliant plans managed by Nextcare |
| Other licensed UAE insurers | Nextcare administers claims on behalf of multiple carriers |
What Does Nextcare Dental Coverage Include?
Coverage depends on your underlying insurer's plan. The below reflects typical Nextcare-administered plan dental benefits across ADNIC and AXA group plans.
Typically Covered
- ✓ Routine dental examination and X-rays (subject to underlying insurer plan)
- ✓ Teeth cleaning and scale & polish
- ✓ Basic composite and amalgam fillings
- ✓ Simple tooth extractions
- ✓ Emergency dental consultations
- ✓ Root canal treatment (restorative plans, with pre-auth)
- ✓ Dental crowns (restorative plans, with pre-auth)
- ✓ Dental bridges (comprehensive plans, with pre-auth)
- ✓ Partial dentures (where included in the underlying insurer plan)
Typically NOT Covered
- ✗ Dental implants (excluded across almost all Nextcare-administered plans)
- ✗ Cosmetic veneers
- ✗ Teeth whitening
- ✗ Invisalign and clear aligner therapy
- ✗ Orthodontics (unless medically necessary on specific plans)
- ✗ Hollywood smile and cosmetic makeovers
- ✗ Out-of-network treatment without prior approval
See dental treatment costs in Dubai for out-of-pocket price ranges, or check how much dental implants cost in Dubai.
Dental Clinics that Accept Nextcare
Showing verified clinic profiles. Call ahead to confirm Nextcare acceptance for your underlying insurer.
Ask verified clinics about Nextcare
Use our search to find verified clinic profiles where you can ask about Nextcare near you.
Search ClinicsHow to Use Your Nextcare Card at a Dubai Dental Clinic
A clear walkthrough — from choosing a clinic to paying only your co-pay.
Understand that Nextcare is a TPA, not an insurer
Nextcare is a Third Party Administrator. They process your claims on behalf of your actual insurer (e.g., ADNIC, AXA, or another UAE insurer). Your dental benefits are defined by your underlying insurer's plan — not by Nextcare itself.
Find a Nextcare network dental clinic
Nextcare maintains its own provider network portal at nextcarehealth.com. Use DentistNearMeDubai to also filter clinics that accept Nextcare, then verify directly with the clinic that they are registered in the Nextcare network for your specific insurer.
Present your Nextcare card at reception
Show your Nextcare health card and Emirates ID at reception. The clinic scans your card and verifies eligibility, remaining dental balance, and pre-auth requirements via the Nextcare online portal in real time.
Pre-authorisation for major dental work
Root canals, crowns, and bridges require prior authorisation from Nextcare/your underlying insurer. The clinic submits the request — Nextcare reviews it and responds within 1–2 working days. Never start major work without confirmed approval.
Pay your co-payment only
Once authorised, the clinic submits the claim directly to Nextcare. You pay only your co-insurance amount — typically 10–20% of the approved claim. Keep your receipt as proof of payment.
Typical Dental Plan Tiers — Nextcare Administered Plans
Annual limits below are indicative for common ADNIC and AXA plans administered by Nextcare. Your actual limit depends on your employer's contract with the underlying insurer.
| Plan Level | Annual Dental Cap | What's Covered |
|---|---|---|
| Basic / Preventive | AED 500–1,500 / year (varies by underlying insurer) | Check-ups, cleaning, basic fillings, simple extractions |
| Standard / Restorative | AED 2,000–4,000 / year | All Basic + root canals, crowns (pre-auth required) |
| Comprehensive / Enhanced | AED 4,000–7,000 / year | All Standard + bridges, partial dentures, complex restorative |
| Corporate Executive | Employer-negotiated — can be higher | May include prosthodontics, limited orthodontic benefit |
Limits vary by underlying insurer and employer contract. Check with your HR department or call Nextcare on 800 NEXTCARE (6398 2273).
Compare plans — see how Cigna, Daman, and Sukoon compare, or explore options for freelancers.
Dental Procedures Covered by Category Under Nextcare Plans
UAE dental insurance categorises procedures into four groups: preventive, basic restorative, major restorative, and orthodontic. Understanding these categories helps you assess your plan coverage and co-pay expectations.
Preventive Care
Usually no co-pay- ✓ Dental examination and diagnosis
- ✓ Dental X-rays — periapical, bitewing, panoramic OPG
- ✓ Professional scale and polish (prophylaxis) — 1–2x/year
- ✓ Fluoride treatment (select plans)
- ✓ Fissure sealants for children (select plans)
Basic Restorative
10–20% co-pay typical- ✓ Composite resin (tooth-coloured) fillings
- ✓ Amalgam fillings
- ✓ Simple tooth extractions
- ✓ Emergency dental treatment
- ✓ Temporary fillings and emergency relief
Major Restorative
20–40% co-pay — pre-auth required- ✓ Root canal treatment (Standard plan and above)
- ✓ Dental crowns — PFM and zirconia (50–70% covered)
- ✓ Dental bridges (Comprehensive plan only)
- ✓ Partial dentures (where in plan schedule)
- ✓ Surgical extractions
Orthodontic (Rarely Covered)
Usually excluded — verify your plan- ✗ Traditional metal braces (excluded standard plans)
- ✗ Ceramic braces (excluded)
- ✗ Invisalign / clear aligners (excluded)
- ✗ Retainers (excluded — unless following covered ortho)
- ✗ Lingual braces (excluded)
Need orthodontic treatment? See our braces cost guide, Invisalign Dubai options, and ceramic braces in Dubai for self-pay pricing.
Frequently Asked Questions
What is Nextcare and is it the same as an insurance company?▼
How does the Nextcare claims process work for dental treatment in Dubai?▼
Does Nextcare cover dental implants in Dubai?▼
How do I find dental clinics in Dubai that are in the Nextcare network?▼
Do I need pre-authorisation for a root canal with Nextcare?▼
Which insurers use Nextcare as their TPA in the UAE?▼
What is the Nextcare online portal and what can I use it for?▼
What happens if I visit a dentist that is not in the Nextcare network?▼
What is my co-payment (co-pay) under a Nextcare-administered plan?▼
My Nextcare claim was rejected — what should I do?▼
How is Nextcare different from direct insurance in the UAE?▼
Do different Nextcare-administered plans offer different dental benefits?▼
How do I contact Nextcare customer service for dental queries?▼
Does Nextcare cover teeth cleaning and check-ups without pre-authorisation?▼
Is Nextcare TPA the same as Nextcare Health?▼
What is the annual dental sub-limit on Nextcare-administered plans?▼
Pre-Authorisation for Dental Treatment Under Nextcare
Pre-authorisation (pre-auth) is a mandatory approval process for major dental procedures. Your in-network clinic submits the request — you do not file it yourself.
| Procedure | Pre-Auth Required? | Typical Timeline |
|---|---|---|
| Consultation and examination | No | Instant — direct billing |
| Dental X-rays (periapical, bitewing) | No | Instant — direct billing |
| Scale and polish (prophylaxis) | No | Instant — direct billing |
| Composite fillings | No | Instant — direct billing |
| Simple tooth extraction | No (usually) | Same day at clinic |
| Root canal treatment | Yes | 1–2 working days |
| Dental crown (PFM or zirconia) | Yes | 1–2 working days |
| Dental bridge | Yes | 2–3 working days |
| Surgical extraction | Yes | 1–2 working days |
| Partial denture | Yes (if on plan) | 2–3 working days |
Never start major work without written approval
If your clinic begins a crown or root canal without pre-auth from Nextcare or your underlying insurer, the claim will be rejected. You will be responsible for 100% of the treatment cost. Always confirm authorisation has been received before any major procedure begins.
Emergency Dental Coverage Under Nextcare Plans
Emergency dental situations are typically covered without pre-authorisation, even for procedures that would normally require prior approval. Here is what Nextcare-administered plans typically cover in emergencies.
Covered in a Dental Emergency
- ✓ Acute toothache requiring immediate intervention
- ✓ Dental abscess drainage and antibiotic prescription
- ✓ Emergency extraction of fractured or non-restorable tooth
- ✓ Trauma — knocked-out or cracked tooth from injury
- ✓ Severe gum infection (acute pericoronitis)
- ✓ Broken filling or crown causing pain or sharp edges
- ✓ Emergency temporary restoration to relieve pain
Important Notes on Emergency Claims
- 1.Visit an in-network clinic even in an emergency wherever possible — out-of-network emergency treatment is reimbursed at a lower rate, often 60–70% of the Nextcare schedule fee.
- 2.Emergency treatment covers the immediate intervention only. Follow-up restorative work (e.g., crown after emergency root canal) still requires standard pre-authorisation.
- 3.Keep all clinical documents, X-rays, and itemised receipts — these are required for any reimbursement claims on emergency out-of-network treatment.
- 4.For same-day emergency care see our emergency dentist Dubai guide with clinics offering walk-in appointments.
How to Find a Nextcare Network Dental Clinic in Dubai
The Nextcare provider network spans hundreds of clinics across Dubai and the wider UAE. There are several ways to find an approved in-network clinic.
Nextcare Provider Portal
Visit nextcarehealth.com and use the Find a Provider search, filtering by dental specialty and your city or area.
DentistNearMeDubai Filter
Use the insurance filter on our browse page to find verified clinics that accept Nextcare, then read reviews and compare.
Call Nextcare Directly
Call Nextcare on 800 NEXTCARE (800 6398 2273) to speak to a customer service agent who can confirm which clinics accept your specific underlying insurer.
Call Your Clinic First
Always call ahead and confirm the clinic is in the Nextcare network for your underlying insurer (e.g., ADNIC, AXA). Some clinics are in the network for only selected insurers.
HR Department
Your HR department or benefits administrator may have a pre-approved list of dental clinics that have worked well for your company plan.
Network Areas
Nextcare has strong network coverage in JLT, Dubai Marina, Business Bay, DIFC, Deira, Bur Dubai, and most major residential areas across Dubai.
Nextcare vs Other UAE Dental Insurance Options
Nextcare is a TPA — so comparing it directly with insurers requires comparing the underlying insurer plans. Here is how ADNIC (a major Nextcare-administered insurer) stacks up against other UAE dental insurers.
| Insurer / Plan | Annual Dental Cap | Implants | Network Size | Co-Pay |
|---|---|---|---|---|
| ADNIC via Nextcare (TPA) | AED 500–7,000 (plan-dependent) | Not covered | Very wide — UAE-wide | 10–20% |
| Daman (Smart Care) | AED 1,000–5,000 | Not covered | Largest UAE network | 20% |
| AXA Insurance UAE | AED 1,500–20,000 | Not covered | Large employer network | 10–20% |
| Sukoon (formerly Oman Insurance) | AED 3,000–7,000 | Not covered | Good Dubai coverage | 30–50% |
| Cigna Global (international) | USD 1,500–5,000+ | Some plans include | International + UAE | 0–20% |
For full insurer guides, see: Daman, AXA, Sukoon, Cigna, Bupa.
Tips to Maximise Your Nextcare Dental Benefits
Simple strategies to get the most value from your Nextcare-administered dental plan each year.
Use your cleaning allowance every year
Most Nextcare plans allow 1–2 scale and polish sessions annually. These are typically pre-authorisation free. Book both sessions — a professional cleaning prevents expensive restorative treatment later and costs you nothing on a Standard or above plan.
Book a check-up in January, not December
Annual dental caps reset at the start of your policy year — usually 1 January or your employment anniversary. If you are approaching your annual limit in November–December, wait until your new policy year begins before starting non-emergency work, to access a fresh annual maximum.
Confirm your underlying insurer at every new clinic
When switching clinics, always call ahead with both your Nextcare card details AND your underlying insurer name (e.g., ADNIC, AXA). Some clinics are in the Nextcare network only for specific underlying insurers. Assuming coverage without confirmation risks a full out-of-pocket bill.
Request pre-auth as soon as a crown or RCT is diagnosed
Pre-authorisation for crowns and root canals takes 1–2 working days. Ask your dentist to submit the pre-auth request at the diagnosis appointment so treatment can begin at your next visit without delay.
Keep copies of all clinical documents
If your direct billing claim has any issue, you will need original itemised invoices, X-rays, and treatment notes. Ask your clinic for a printed or emailed copy of all documentation at every visit — not just when you think there might be a problem.
Prioritise in-network clinics for significant treatment
For straightforward cleanings and fillings, any licensed clinic will do. But for crowns, root canals, or bridges costing AED 2,000–8,000, the difference between in-network direct billing (you pay 10–20% co-pay) and out-of-network reimbursement (you pay 100% upfront and wait for partial refund) is significant. Always use an in-network clinic for major work.
What Is Excluded From Nextcare Dental Insurance in Dubai
Understanding exclusions prevents claim rejections. These treatments are not covered under standard Nextcare-administered plans regardless of the underlying insurer.
| Excluded Treatment | Why Excluded | Typical Out-of-Pocket Cost |
|---|---|---|
| Dental implants | Classified as elective prosthetic — not medically necessary | AED 5,500–12,000 per implant |
| Teeth whitening (in-clinic or take-home) | Cosmetic only — no medical indication | AED 800–2,500 per session |
| Porcelain veneers | Purely cosmetic restoration | AED 1,500–4,000 per veneer |
| Invisalign and clear aligners | Orthodontic/cosmetic — excluded on most UAE group plans | AED 12,000–25,000 full treatment |
| Hollywood smile packages | Cosmetic makeover — no clinical need | AED 15,000–45,000 |
| Orthodontic braces (standard plans) | Not medically necessary unless malocclusion is severe | AED 8,000–18,000 full treatment |
| Implant-supported overdentures | Contains implant component — excluded | AED 20,000–60,000 |
Need to budget for excluded treatments? Our 2026 dental cost guide covers full price ranges for every treatment in Dubai. For implants specifically, see dental implant costs in Dubai. For cosmetic work, explore smile makeover options and dental veneers.
Find a Nextcare Network Dentist in Dubai
Use our locate a dental clinic nearby to compare clinics, read reviews, and book appointments.
Browse verified clinic profiles, then ask each clinic to confirm your exact Nextcare plan, network tier, and billing route before you book.
Understanding Nextcare as a TPA — Key Differences from Direct Insurers
Many Dubai residents are confused by the TPA model. Here is a clear comparison between Nextcare as a TPA versus dealing with an insurer directly.
| Aspect | Nextcare (TPA Model) | Direct Insurer (e.g., Daman, AXA) |
|---|---|---|
| Who manages your claim | Nextcare processes claims on behalf of your actual insurer (ADNIC, AXA) | Insurer processes claims directly |
| Who sets dental benefits | Your underlying insurer (ADNIC, AXA) sets benefits — not Nextcare | Insurer sets all benefit details |
| Card branding | Card may show Nextcare + underlying insurer name | Card shows insurer name only |
| Who to call for disputes | Contact both Nextcare AND your underlying insurer for escalations | Contact insurer directly |
| Network verification | Verify clinic is in Nextcare network for your underlying insurer | Verify clinic is in insurer network |
| Pre-auth submissions | Clinic submits pre-auth to Nextcare portal; Nextcare reviews for underlying insurer | Clinic submits directly to insurer portal |
| Annual cap authority | Annual cap is set by your underlying insurer — Nextcare tracks usage | Insurer sets and tracks annual cap |
Bottom line for dental visits
At the clinic, the process is identical whether your card shows Nextcare or a direct insurer name. Present your card and Emirates ID — the clinic verifies coverage through the Nextcare portal and bills accordingly. The TPA distinction only matters when you need to appeal a rejection or escalate a coverage dispute.
How to Submit a Reimbursement Claim to Nextcare
If you visit a dental clinic outside the Nextcare network, you pay upfront and file a reimbursement claim. Here is the process.
Collect all clinical documentation at the clinic
Before leaving the dental clinic, obtain: an original itemised invoice (not a summary receipt) listing each procedure code, clinical notes and diagnosis documentation, all X-rays taken during your visit, and a copy of any prescription. Out-of-network reimbursement claims that lack clinical documentation are rejected.
Download the Nextcare reimbursement claim form
Visit nextcarehealth.com and download the reimbursement claim form for your underlying insurer. Some claims can now be submitted via the Nextcare mobile app. Complete all sections accurately — member ID, policy number, date of treatment, clinic details, and procedure codes.
Attach proof of payment
Attach your credit card statement or bank transfer proof alongside the itemised invoice. The reimbursement claim cannot be processed without evidence that you personally paid the full amount. Personal cheques or cash payment proofs are also accepted.
Submit within the deadline
Most Nextcare-administered plans require reimbursement claims to be submitted within 90 days of treatment. Late submissions are rejected. If you are unsure of your submission deadline, call Nextcare on 800 NEXTCARE (800 6398 2273) before submitting.
Track your claim status
After submission, track your claim status on the Nextcare portal or app. Nextcare typically processes reimbursement claims within 14–21 working days. If approved, reimbursement is credited to your registered bank account at the schedule fee rate — which may be lower than the premium clinic's actual charge.
For the full picture on how the claim process works in Dubai, read our dental insurance guide for Dubai. For freelancers without employer coverage, see our freelancer dental insurance guide.