Job Loss Insurance Claims in UAE 2025: How Many Have Claimed ILOE?

How Many People Have Claimed Job Loss Insurance in the UAE? Insights and Trends

Job loss happens. In a fast-moving economy like the UAE, where the workforce is largely expatriate and labour market moves can be sudden, the federal Involuntary Loss of Employment (ILOE) / Unemployment Insurance scheme was introduced to act as a safety net. But the biggest question many people are ...read more

Job Loss Insurance Claims UAE: Quick Snapshot of Verified Public Data

Here’s what the verified public data on job loss insurance claims in UAE currently shows —

So many people are protected: Around 9 million people in the UAE have joined job loss insurance. That means they are protected if they lose their job.
How many claims ILOE insurance in UAE in 2024? More than 10,500 people used job loss insurance in 2024 when they lost their jobs.
Total people helped since 2023: From 2023 to 2025, about 17,000 people have already received help from this insurance.
How much money was paid to them? The government has given more than AED 180 million to people who lost their jobs.
Monthly subscription fee: typically AED 5–10 per worker (depends on salary slab and scheme rules).
Benefit formula (typical): up to 60% of average basic salary (calculated over prior months), for up to 3 months, subject to eligibility rules (e.g., minimum subscription history).

What This Tells Us Millions are enrolled, but only a small fraction have claimed so far (roughly tens of thousands of successful payouts against millions of subscribers). That’s expected for an insurance safety-net: many people stay insured but never claim.

Claim Statistics for Job Loss Insurance UAE: Why are Subscribers So High but Claims So Low?

This gap between 9 million subscribers and just 17,000+ total claimants often confuses people. Here’s why it exists —

1. Unemployment Is Still a Minority Event

Most insured workers do not lose jobs every year. Insurance always covers large populations, but only a fraction claims.

2. Strict Eligibility Rules

To qualify for job loss insurance claims UAE, workers must —

Pay premiums for at least 12 continuous months
Lose their job due to involuntary reasons
Follow official claim timelines

Many job exits don’t qualify, which reduces claim numbers.

3. Data Is Released Only in Aggregate

Authorities release —

Subscriber totals regularly
Claim numbers only as broad yearly figures

This makes the number of job loss insurance claims in UAE 2025 appear limited in public reporting.

4. Awareness & Application Gaps

Some eligible workers:

Don’t know if they qualify
Miss timelines
Don’t fully understand the process

This naturally lowers claims temporarily.

How does the ILOE / Unemployment Scheme Actually Work?

Who’s covered: Emiratis and residents working under qualifying contracts in public and private sectors who have enrolled and paid the subscription.
What it pays: A monthly cash benefit, typically up to 60% of the insured’s average basic salary (calculated over an established reference period).
How long it pays: Usually up to 3 consecutive months per qualifying claim.
Eligibility conditions: Common requirements include having paid premiums for a minimum period (for example, 12 consecutive months), involuntary job loss (as defined by the scheme), and following the prescribed claims steps.
How to claim: Online via the official ILOE portal, mobile app or call centre. The system can auto-fetch employment records from MoHRE, limiting paperwork for claimants.
Cost to worker: Very small monthly fee (AED 5–10). For most workers, this is an affordable safety net.

How Does the System Work in Practice?

✅ Ahmed – Retail Manager (Successful Claim)

Ahmed paid AED 7/month for 14 months. After an involuntary layoff, he —

Successfully applied
Received 60% of his salary
For 3 months
Used the support while finding a new role

❌ Sara – IT Specialist (Not Eligible)

Sara lost her job after only 8 months of subscription. Because she hadn’t completed 12 continuous months, her claim was rejected.

👉 This shows why subscription history matters deeply for ILOE claims.

What do the Headline Numbers (10,500 / 17,000 / AED 180m) Tell Us?

10,500+ claimants in 2024 show that the scheme is being used when people genuinely need it.
17,000+ cumulative beneficiaries (since 2023) confirm continuing uptake of payouts across the programme lifetime.
AED 180m+ in payouts are a key part of the analysis of job loss insurance claim trends, as they show how the scheme is supporting real income needs during unemployment.

These figures also underline a policy aim: wide enrollment to spread risk cheaply across millions, and targeted payouts to those who actually face sudden unemployment.

Number of Job Loss Insurance Claims in UAE 2025: What to Expect

While full 2025 official data is still being released, early indicators suggest —

Subscriber base continues to grow
Retail, logistics, hospitality & aviation sectors show higher turnover
Claims volume is expected to rise in 2025

✅ The number of job loss insurance claims in UAE 2025 is projected to be higher than in 2024, driven by workforce mobility, not economic distress.

ILOE Quick Pay & Convenience Features

To encourage enrolment and simplify payments, MoHRE and the scheme provide digital tools —

ILOE Quick Pay: A digital payment option via the ILOE portal/app that accepts bank cards and transfers, stores payment history, and issues e-receipts.
Integration with MoHRE records: Eligibility and claims are streamlined because the system can verify employment history automatically, reducing paperwork and speeding approvals.

This aligns with the broader analysis of job loss insurance claim trends, which shows steady year-on-year growth in utilisation.

Penalties for Non-Compliance with ILOE

Failing to enrol within the grace period: AED 400 (reported penalty figure).
Missing premium payments > 3 months: AED 200 fine and potential policy cancellation if non-payment continues.
Why this matters: Non-payment or non-enrolment can mean loss of cover and legal issues when renewing visas or meeting administrative checks.

Why Job Loss Insurance Now Matters More For Employers?

Retention & attraction: In a tight labour market, offering clear protection (or supporting enrolment) is a differentiator.
Cost/value balance: Employers increasingly say they care about service, financial strength and product range of benefits carriers — not just lowest cost. ILOE fits into that mix as a low-cost, high-value perk.
Administrative challenge: Many HR teams report managing benefits with limited resources; digital enrolment and integrated claims help, but employers must still communicate and support employees.

Analysis of Job Loss Insurance Claim Trends (What to Watch for)

The analysis below will help you study the future claims statistics job loss insurance UAE—

Utilisation rate: If claimants grow faster than subscribers, the scheme’s payouts will increase, and policy adjustments may follow.
Sectoral patterns: Certain industries may show higher claims (hospitality, aviation), policymakers and insurers will watch that.
Policy changes: Look for updates on eligibility rules (e.g., minimum subscription duration) or benefit length/amount.
Data transparency: If more monthly and industry-wise data is shared publicly, it will help people better understand job loss insurance claim trends in the UAE.

Bottom Line

The ILOE / job-loss insurance scheme is a practical, low-cost safety net: millions are covered, and tens of thousands have already used it to bridge unemployment periods. For workers, it’s inexpensive protection against a significant financial shock; for employers, it’s a benefits tool that supports recruitment and retention.

Keep subscriptions current, understand eligibility rules (including minimum subscription durations), and use the official portal for claims; that’s the simplest way to make the scheme work for you.

In addition to subscribing to the ILOE program, buy an additional income protection insurance plan in UAE only on Policybazaar.ae!

FAQs for Job Loss Insurance Claims UAE

Yes, ILOE (Involuntary Loss of Employment) insurance is now mandatory in the UAE for most private sector and federal government employees. This has directly contributed to the rise in job loss insurance claims in the UAE, as more people are now covered under the scheme.

The ILOE insurance premium is extremely affordable and based on salary slabs:

For Category A: Salary up to AED 16,000 → AED 5 per month + VAT
For Category B: Salary above AED 16,000 → AED 10 per month + VAT

If your claim is approved, you can receive up to 60% of your average basic salary for up to 3 months. The payout depends on your salary category, subscription history, and compliance with eligibility rules.

Official updates report 10,500+ claimants in 2024 and 17,000+ cumulative beneficiaries since the scheme launched in 2023. These figures form the backbone of the latest claims statistics for job loss insurance in UAE.

While the government has not yet released full-year data for 2025, early estimates based on subscriber growth and 2024 usage suggest that the number of job loss insurance claims in UAE 2025 is likely to increase further, especially in sectors like retail, hospitality, logistics, and aviation.

As per global macro-economic estimates, the UAE unemployment rate in 2025 is expected to remain around 2.20%.

Yes, ILOE is mandatory across the UAE, including Dubai, Abu Dhabi, and other emirates. Non-enrolment can lead to monetary fines, issues with employment records, and problems during visa or labour-related processes.

You must submit your job loss insurance claim in the UAE within 30 days from the date of termination. Missing this deadline can result in claim rejection, even if you are otherwise eligible.

You can submit your claim through multiple official channels —