How to Claim ILOE Insurance in UAE: Step-by-Step Guide for 2025

An ILOE insurance plan offers the much-needed income stream if you end up involuntarily losing your job. If you’re covered under the ILOE scheme, you may be eligible to receive monthly payments that help support your living expenses while you search for new employment. However, to receive these benefits, you must follow a clear and timely claims process.

This page explains how to claim your ILOE insurance step-by-step — from checking your eligibility and gathering required documents to submitting your claim and receiving your payments. We will also cover some important tips to avoid delays or rejections and what to do if your claim is denied.

Whether you’ve recently lost your job or are preparing just in case, understanding the claim process ensures you can access your benefits without unnecessary stress. Read on to know more!

Who is Eligible for the UAE ILOE Claim Process?

Before submitting your ILOE (Involuntary Loss of Employment) claim, make sure you meet the following conditions —

Active Insurance Policy – Your ILOE policy must be active, with all premium payments up to date.
12-Month Contribution – You must have paid into the policy for at least 12 continuous months. Missed payments can make you ineligible.
Involuntary Unemployment – Only job losses beyond your control, like company downsizing or layoffs, are covered.
Valid Residency – You must have a valid UAE residency visa when filing the claim.
30-Day Deadline – Submit your claim within 30 days from the date your job ended. Claims submitted late will be automatically rejected, even if you're eligible.

How Much Claim Can You Get Under ILOE Insurance?
The amount that you can claim through ILOE insurance depends on your policy’s terms. Here’s a simple breakdown — Claim Amount – You can receive up to 60% of your last basic monthly salary. However, there is a monthly limit based on your salary category. Payment Duration – The insurance will provide monthly payments for up to 3 to 6 months, depending on your plan. This is meant to help you cover expenses while you look for a new job. Make sure to check your policy details to know the exact cap and coverage duration.

How Much Claim Can You Get Under ILOE Insurance?

The amount that you can claim through ILOE insurance depends on your policy’s terms. Here’s a simple breakdown —

Claim Amount – You can receive up to 60% of your last basic monthly salary. However, there is a monthly limit based on your salary category.
Payment Duration – The insurance will provide monthly payments for up to 3 to 6 months, depending on your plan. This is meant to help you cover expenses while you look for a new job.

Make sure to check your policy details to know the exact cap and coverage duration.

How to Claim ILOE Insurance?

Here’s a simple, step-by-step guide to help you easily file your ILOE (Involuntary Loss of Employment) insurance claim —

Step 1: Check Your Eligibility

Make sure your ILOE policy is active and all premiums are fully paid
Confirm that you’ve been enrolled into the scheme for at least 12 consecutive months
Make sure your job loss was involuntary (not due to resignation, fraud, or misconduct)

Step 2: Prepare Your Documents

Termination Letter from your employer
Emirates ID for identity and residency proof
Policy Certificate or account details
Proof of Salary (recent payslips or bank statements)
Any additional documents requested by your insurer

Step 3: Submit the Claim

Log in to the ILOE claims portal or app
Accurately fill out the claim form
Upload all required documents
Submit and save your reference number

Step 4: Track and Respond

Use the portal or app to track your claim status
Respond quickly to any requests for extra info or documents
Contact customer support if needed

Step 5: Receive Your Payment

Claims are typically processed in 14 to 30 days
Once approved, payments (up to 60% of your last salary) are sent to your bank account

By following these steps carefully, you can ensure a smooth and timely claim process.

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What to Do If Your Claim Gets Denied?
Before understanding what to do in case your ILOE insurance claim is denied, let’s understand the common reasons for the denial — Missing or Incorrect Documents – If key documents like your termination letter or Emirates ID are not submitted, or if there are mistakes in your paperwork, your claim may be denied. Not Meeting Eligibility Requirements – Your claim can be rejected if you haven’t paid all your premiums or haven’t completed the required 12-month contribution period. You can also face rejection if you lose your job due to misconduct or because you resigned on your own. Late Claim Submission – Claims must be filed within 30 days of your job loss. If you miss this deadline, your claim will not be accepted, even if you meet all other conditions. If your UAE ILOE insurance claim is denied, don't worry — you can appeal the decision by following these clear and simple steps — Contact the Insurer - Reach out to your insurance provider’s customer service. Ask for a detailed reason why your claim was rejected. Collect Missing Documents - If the denial was due to incomplete or missing paperwork, gather all required documents. Double-check that the information matches your policy. Fix Any Errors - Correct mistakes in your submission, if any, such as incorrect policy numbers, salary amounts, or termination dates. Submit an Appeal - File an appeal through the insurer’s online portal or office. Include corrected documents and a clear explanation addressing the original issue. Escalate if Needed - If your appeal is rejected or remains unresolved, report the matter to the Ministry of Human Resources and Emiratisation (MOHRE).

What to Do If Your Claim Gets Denied?

Before understanding what to do in case your ILOE insurance claim is denied, let’s understand the common reasons for the denial —

Missing or Incorrect Documents – If key documents like your termination letter or Emirates ID are not submitted, or if there are mistakes in your paperwork, your claim may be denied.
Not Meeting Eligibility Requirements – Your claim can be rejected if you haven’t paid all your premiums or haven’t completed the required 12-month contribution period. You can also face rejection if you lose your job due to misconduct or because you resigned on your own.
Late Claim Submission – Claims must be filed within 30 days of your job loss. If you miss this deadline, your claim will not be accepted, even if you meet all other conditions.
If your UAE ILOE insurance claim is denied, don't worry — you can appeal the decision by following these clear and simple steps —
Contact the Insurer - Reach out to your insurance provider’s customer service. Ask for a detailed reason why your claim was rejected.
Collect Missing Documents - If the denial was due to incomplete or missing paperwork, gather all required documents. Double-check that the information matches your policy.
Fix Any Errors - Correct mistakes in your submission, if any, such as incorrect policy numbers, salary amounts, or termination dates.
Submit an Appeal - File an appeal through the insurer’s online portal or office. Include corrected documents and a clear explanation addressing the original issue.
Escalate if Needed - If your appeal is rejected or remains unresolved, report the matter to the Ministry of Human Resources and Emiratisation (MOHRE).

Things to Keep in Mind When Filing an ILOE Insurance Claim in the UAE

Here are some important tips to keep in mind during the ILOE claim process in the UAE —

Submit All Documents – Missing key files like your termination letter, salary slips, or Emirates ID can delay or cancel your claim. Double-check everything before submission.
Respect the Deadline – File your claim within 30 days of losing your job. Late submissions will be automatically rejected.
Give Accurate Details – Mistakes in your policy number, salary, or personal info can lead to delays or denial. Review everything before you submit.
Pay All Premiums – Make sure all your insurance payments are up to date. Any unpaid amount will result in disqualification.
Meet All Eligibility Requirements – Check your policy for conditions like 12-month contributions and valid residency. If these aren’t met, the claim won’t be accepted.
Respond Quickly – If your insurer asks for more documents or details, reply fast to avoid processing delays or rejection.
Understand Your Policy – Know your policy limits, exclusions, and rules to avoid surprises during the claim process.
Track Your Claim – Regularly check your claim status through the portal or support team to stay updated and act on any further requests.