What is ILOE insurance in the UAE?
ILOE insurance applies to both Emiratis and expatriates employed in either the federal or private sectors. With low monthly premiums (AED 5 or AED 10 depending on salary), it offers essential income protection during job transitions.
What Is ILOE Insurance and Why Does It Matter
ILOE Insurance, short for “Involuntary Loss of Employment,” is a mandatory unemployment insurance scheme in the UAE established under Federal Decree Law No. 13 of 2022. It ensures that if you lose your job for reasons beyond your control, you receive financial support up to 60% of your average basic salary for three consecutive months, provided you’ve paid premiums for at least 12 months.
This small monthly contribution (AED 5 for salaries ≤ 16,000; AED 10 for salaries > 16,000) provides vital peace of mind. Whether you’re an Emirati or an expatriate, a private sector or federal government employee, this simple insurance can ease financial stress during unemployment.
Who Needs ILOE Insurance?
Anyone employed in the private or federal government sectors, whether local or expat, is required to join. This includes free-zone workers under “non-registered in MOHRE” status. Exemptions include investors or business owners, domestic workers, temporary contract workers, retirees already receiving a pension, and under-18s.
By legally subscribing, you avoid fines and remain eligible for unemployment protection.
How Much Does ILOE Insurance Cost in 2025?
Two salary-based tiers apply:
- Category A (≤ AED 16,000): AED 5 + VAT/month, compensation up to AED 10,000/month
- Category B (> AED 16,000): AED 10 + VAT/month, compensation up to AED 20,000/month
Flexible payment options: monthly, quarterly, semi-annual, annual, or multi-year plans. Keep paying premiums consistently; missing more than 90 days voids your policy and triggers an AED 200 fine or AED 400 for initial non-registration.
How to Register & Renew ILOE Insurance
1. Register: Step-by-Step
- Visit the iloe.ae portal or download the ILOE app.
- Log in with Emirates ID and mobile via OTP or password.
- Confirm your employment sector and basic salary.
- Choose your category (A or B) and subscription length (1 or 2 years).
- Select payment frequency and complete VAT-inclusive payment.
- Receive insurance certificate via portal/dashboard/email
2. Renew
Renewal is seamless through the portal or app, usually tied to new policy selections. Use ILOE Quick Pay to check for unpaid premiums or fines and settle them promptly to maintain coverage
How Do I Get an ILOE Certificate?
This section shows users how to retrieve the official document confirming their insurance status.
1. After Initial Registration
Once you register and pay, the ILOE certificate is:
- Generated instantly
- Available in your ILOE dashboard
- Sent to your registered email
2. Through the ILOE Portal/App
You can download your certificate anytime from:
- The ILOE portal (www.iloe.ae)
- The ILOE mobile app
It’s useful for visa renewals, job transitions, and claim processing.
3. When Do You Need the Certificate?
You may need to present the certificate.
- When filing a claim
- During MOHRE inspections
- For HR or visa documentation
Keep a digital and printed copy available for quick reference.
How to Claim ILOE Insurance
1. Claim Eligibility
- The policy must be active and premiums paid for ≥12 consecutive months with no gap over 90 days.
- Job loss must be involuntary, not resignation or misconduct.
- File within 30 days of job termination or labor settlement.
2. Required Documents
- Termination letter stating involuntary dismissal.
- Emirates ID, canceled work permit/visa, employment contract, bank statements, IBAN.
- Travel report proving legal residence, visa cancellation proof.
- Insurance certificate; judgment document if applicable
3. Application Process
- Log in via the ILOE portal/app or call 600 599 555.
- Submit the claim and upload key documents, adding others as requested.
- The ministry reviews decisions typically within two weeks; funds are disbursed shortly after approval.
What Makes an ILOE Insurance Claim Valid?
This section helps users understand what conditions must be met before they are eligible to file a claim.
1. Minimum Subscription Period
You must have paid ILOE premiums continuously for at least 12 months. Any gap over 90 days in payments will void your eligibility.
2. Reason for Termination
Claims are only accepted for involuntary job loss (like company downsizing or restructuring).
You cannot claim if:
- You resigned voluntarily
- You were fired for disciplinary reasons or misconduct
3. Claim Submission Deadline
File your claim within 30 days of job termination or legal settlement closure. Late claims are automatically rejected.
4. Compliance with MOHRE & Visa Status
You must be legally residing in the UAE and have a valid residency record, canceled visa, and employment termination proof.
What Happens If You Don’t Register or Miss Payments
- AED 400 fine for initial failure to subscribe
- AED 200 fine after 90 days of missed premiums
- Policy cancellation and barred from claiming unless re-registered
- Risk to visa/work permit registration and renewals
All Subscription Options for ILOE Insurance
This section helps readers choose the right subscription method for their needs.
1. Subscription Duration
You can subscribe to:
- 1 year
- 2 years
The longer duration offers peace of mind and may reduce the hassle of frequent renewals.
2. Payment Frequency Options
Choose how you want to pay:
- Monthly
- Quarterly
- Semi-Annually
- Annually
Multi-Year (for those who want long-term coverage in one go)
3. Accepted Payment Methods
ILOE accepts payments through
- Debit/credit card
- Bank transfer
- Some employers may also deduct directly from your salary
Use the Quick Pay tool on the portal/app to track and settle payments/fines.
Benefits & Limitations of ILOE Insurance
1. Benefits
- Financial cushion during involuntary job loss
- Covers up to three months with 60% of basic pay
- Helps avoid sudden financial stress during transitions
2. Limitations
- Only applies after 12 months of timely payments
- Cap of AED 10k or AED 20k per month per category
- Total lifetime cap of 12 months’ worth of benefits
- No cover for resignation, misconduct, or voluntary separation
Tips for a Smooth ILOE Experience
- Pay premiums on time; opt for online autopay
- Keep your Emirates ID, contract, and salary documents current
- File claims quickly, ideally within days of termination
- Gather necessary documents before submitting a claim
- Use the portal/app to track renewals and fines regularly
FAQs
1. Is ILOE insurance mandatory in the UAE?
Yes, mandatory for employees in the private and federal sectors, including free-zone staff.
2. Can I resubscribe after policy cancellation?
Yes, but you must repay the fines and restart the 12-month premium cycle.
3. How long until the claim payout?
Typically, within two weeks after approval.
4. Does free-zone employment count?
Yes, select “Non-Registered in MOHRE” during signup.
5. Can I still claim if I resigned?
No, only involuntary job loss qualifies.
Conclusion
ILOE insurance in the UAE is a low-cost, high-impact safety net that gives you financial peace if you lose your job involuntarily. Keep up with payments, stay informed on renewal and claim deadlines, and file your claim within 30 days of job termination. With just AED 5–10 per month, you gain access to 60% of your salary for up to three months, making it a smart investment in your career resilience.
Stay compliant, stay covered, and focus confidently on your next opportunity.