AQUA Dent Clinics does not bill insurers directly. Instead, we prepare every document your insurer needs in their accepted format — and you submit a reimbursement claim to get most of your treatment cost back. This guide shows exactly how, for each major Saudi private insurer.
Why we don't bill direct: Direct billing means accepting the insurer's pre-approved fee schedule, which is usually significantly below true cost — forcing clinics to either compromise on materials/lab quality or upsell to compensate. We chose to keep our quality independent of insurance ceilings. The reimbursement model means you get our best work and most insurers still cover 30–80% of the cost.
The 5-step reimbursement process
1
Verify your coverage before treatment
Call your insurer (number on the back of your insurance card) and ask: "What's my dental coverage percentage for [treatment type]?" Get a written confirmation if possible (email or letter). For major treatments (orthodontics, implants), most insurers require pre-authorization — we help you obtain it.
2
AQUA prepares your documentation package
After each treatment session, we automatically prepare: detailed itemized invoice with all CPT/dental codes, treatment report from your treating consultant, copies of any X-rays (DICOM format for advanced cases), photo records (when relevant), and the treatment plan if it's a multi-session course. All in the format your insurer expects.
3
You pay AQUA directly + collect documents
Settle with AQUA on the day of treatment using cash, card, Mada, Apple Pay, or MyFatoorah (up to 12-month installments available on most plans). We hand you the complete documentation package — physical copies AND emailed PDF in case anything is misplaced.
4
Submit the reimbursement claim to your insurer
Most insurers accept claims through their app or website (see the "By insurer" section below for exact links). You upload the AQUA documents, fill a short claim form, and submit. Some insurers (older policies) still accept email or paper mail. Most claims process within 7–14 business days.
5
Receive your reimbursement
Approved claims are deposited to your bank account (the one registered with your insurance) — usually 2–4 business days after approval. Most major insurers cover 30–50% of cosmetic and orthodontic treatments, and 50–100% of medically necessary work. You keep records for tax/HR purposes.
Typical coverage by treatment
Treatment type
Typical coverage
Pre-auth needed?
Routine cleaning + exam
80–100%
—
Fillings (composite)
70–100%
—
Root canal treatment
60–90%
Sometimes
Crowns + bridges
50–80%
Yes
Pediatric orthodontics
50–80%
Yes
Adult orthodontics (Invisalign / braces)
30–50%
Yes
Implants
50–70%
Yes
Periodontal surgery
50–80%
Yes
Wisdom tooth extraction
70–100%
—
TMD splint (with medical report)
50–70%
Yes
Sleep apnea oral device (with sleep study)
50–70%
Yes
Cosmetic-only (veneers, whitening)
0–10%
—
These are typical ranges. Your specific plan may differ. Always verify with your insurer before scheduling major treatment.
How to submit by insurer
Click the link for your insurer's online claim portal. AQUA prepares all the documents — you upload them and submit.
Bupa Arabia
Submit: MyBupa app or bupa.com.sa → "Claims" → "Submit new claim"
Dental claim approval usually 5–7 business days. They accept app-only submission — no paper mail needed.
For large corporate plans. Process varies per employer.
Frequently asked questions
My insurer says you must bill direct. What now?
Some corporate plans require direct billing. In those cases, AQUA can help by either: (a) making an exception based on your specific treatment, (b) referring you to a partner clinic that does direct billing for routine work while keeping you with AQUA for specialty cases, or (c) providing the paperwork your insurer accepts as a one-time exception. Call us to discuss your specific plan.
How long do I have to submit a claim after treatment?
Most Saudi insurers allow 60–90 days from the treatment date. Some allow up to 6 months for major procedures. Submit as early as possible — claims older than 30 days sometimes require additional verification.
My claim was rejected. What do I do?
First, get the rejection reason in writing from your insurer. Common reasons: missing pre-authorization, code mismatch, treatment marked "elective" (cosmetic). Send the rejection letter to AQUA at info@aquadentistry.com — we review it and provide additional documentation or a treatment justification letter from your consultant. About 60% of initial rejections are reversed on appeal with proper documentation.
Will my employer/HR see the dental claim details?
Generally no. Insurance claims are protected medical records. Your employer sees aggregated cost data (total claims, not per-employee details) for renewal purposes. Specific treatments are confidential between you, your insurer, and AQUA. The only exception: if you submit through your HR department's manual process (rare) — in which case ask if it can go directly to insurance instead.
Can I split payment between insurance and self?
Yes. You pay AQUA the full amount, then your insurer reimburses their portion. AQUA also offers up to 12-month installments through MyFatoorah on most treatments — useful when waiting for the reimbursement.
Need help with a specific case?
Email us your insurance card + a description of the treatment you're considering, and we'll tell you exactly what coverage to expect, what pre-authorization is needed, and what we'll prepare for your claim.
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