ILOE Insurance UAE

This type of insurance offers monthly compensation to eligible employees who lose their jobs for reasons beyond their control, helping them stay financially stable while searching for new opportunities. 

ILOE allows employees to financially protect themselves from unexpected financial stress by paying a small premium. It covers both public and private sector workers and ensures up to 60% of the previous salary for up to three months. With simple enrolment, affordable premiums, and flexible claim options, ILOE Insurance is an essential tool for anyone who wants to secure their future against sudden unemployment in Dubai.

How Does ILOE Insurance in UAE Work?

Under the ILOE (Involuntary Loss of Employment) insurance scheme, claimants can end up receiving a monthly compensation of up to 60% of their average monthly income from the past 12 months before the job loss. 

However, there are limits on how much can be paid out.

• For Category A members, the maximum monthly compensation is AED 10,000
• For Category B members, the maximum monthly compensation is AED 20,000

The compensation for any single claim can be received for a maximum of 3 consecutive months. Additionally, there is a lifetime cap on total ILOE insurance benefits. No matter how many valid claims a member makes during their time working in the UAE, they cannot receive more than the equivalent of 12 months of benefits overall.

ILOE Insurance Coverage and Benefits

In this section, we will understand the key benefits and features of ILOE (Involuntary Loss of Employment) insurance —

What Does ILOE Insurance Cover?

The insurance provides financial support to employees who lose their jobs due to reasons like:

• Company restructuring or downsizing
• Termination for non-disciplinary reasons

Note — It does not cover resignations, dismissals for misconduct, or fraudulent claims.

Compensation Period and Limits

Types of Coverage

Exclusions in the Case of ILOE Insurance in UAE

Although the ILOE insurance provides valuable financial support, it also comes with specific exclusions and penalties to maintain fairness and proper use. Knowing these conditions is important for employees to fully understand their rights and responsibilities.

• Voluntary resignation – Employees who quit their jobs by choice are not eligible for compensation
• Termination for misconduct – Dismissals due to disciplinary actions, fraud, or criminal behaviour are excluded
• Termination during probation – If an employee is let go during their probationary period, they cannot claim benefits
• Part-time and temporary workers – Unless mentioned, workers under short-term contracts are not covered
• Self-employed individuals – Freelancers and business owners without formal employment contracts are not eligible
• Non-payment of premiums – Missing insurance payments disqualifies employees from receiving compensation

Eligibility Criteria for UAE ILOE Insurance

The ILOE insurance covers employees in both public and private sectors across the UAE, offering a safety net to a large part of the workforce. However, certain groups are excluded — business owners, domestic workers, temporary contract workers, and retirees who already receive a pension.

To be eligible to claim benefits, employees must have contributed to the insurance scheme for at least 12 continuous months. This rule ensures that only those who have steadily supported the fund can access its benefits.

If an employee fails to pay premiums for more than three months, they can face policy cancellation and a fine of AED 200.

How Can You Subscribe to ILOE Insurance?

Registering for the ILOE (Involuntary Loss of Employment) insurance in the UAE is mandatory under Federal Decree-Law No. 13 of 2022. 

The process, however, is quite straightforward. Here’s how to get covered —

• Check Eligibility – First, ensure that you are eligible. 
  Excluded groups include investors, domestic workers, and individuals under 18 years.
   
• Select Your Category
  • Category A: Salary up to AED 16,000 — monthly premium of AED 5 + VAT
  • Category B: Salary above AED 16,000 — monthly premium of AED 10 + VAT
     
• Choose How to Enroll
  • Directly through the ILOE portal or mobile app (available on Apple and Google Play)
  • Through authorised service providers

• Pay Premiums – Select payment frequency — monthly, quarterly, semi-annual, or annual. Payment can be made online or at service centres.
• Get Your Insurance Certificate – After enrolling, download your Certificate of Insurance from the ILOE portal or app.
• Keep Your Subscription Active – Pay premiums regularly and update your employment details to stay eligible.

For more detailed payment guidelines, refer to ILOE’s official site.

All Subscriptions Channels for ILOE Insurance

You can easily subscribe to the ILOE (Involuntary Loss of Employment) insurance in the UAE through several convenient options —

• ILOE Portal – Visit the official ILOE portal or use the mobile app (available on Apple and Google Play) to register, manage your policy, and avoid extra fees
• Mobile App – Download the ILOE app for quick subscription, premium payments, and account management directly from your phone
• Exchange Centres – Sign up at any Al Ansari Exchange branch or through the Al Ansari Exchange App (available on Apple and Google Play).
• Business Centres – Visit Tawjeeh or Tasheel branches for in-person help with your subscription
• SMS and Telecom Bills – Etisalat users can subscribe by sending their Emirates ID number to 2120 via SMS, without needing the internet
• Kiosks – Use MBME Pay kiosks across the UAE for quick enrollment and payment
• Bank Apps and ATMs – Subscribe using the C3Pay app, Botim app, or directly through select bank ATMs
• Online Banking – Many UAE banks allow subscriptions through their online banking platforms
• Direct Debit – Set up automatic premium payments from your bank account for hassle-free coverage
• Mobile Wallets – Use Apple Pay, Google Pay, or Samsung Pay for easy premium payments
• Deduction Through Company Payroll – Some employers offer to deduct premiums directly from your salary through HR arrangements
• Insurance Brokers – Work with insurance brokers for personalised assistance, paperwork support, and advice

How to File a Claim against ILOE Insurance in UAE?

If you lose your job in the UAE, it’s important to act quickly and file your claim for ILOE (Involuntary Loss of Employment) insurance. 

Here are the steps — 

• Check Your Eligibility – Make sure you meet these conditions —
  • You must have been enrolled in the ILOE scheme for at least 12 continuous months
  • All premiums should be fully paid
  • Job loss must not be due to voluntary resignation or disciplinary action
  • You must file the claim within 30 days of job loss or resolving any labour disputes
  • There should be no abscondment cases or fraud linked to your claim
  • You must be living legally in the UAE at the time of the claim
• Gather Required Documents – Prepare documents like your Emirates ID, termination letter, salary proof, and payment records of your insurance premiums.
• Submit Your Claim – Submit your claim through the ILOE online portal, mobile app, or by calling 600 599 555. Fill out all the details carefully.
• Receive Your Benefits – Once approved, you’ll start receiving payments based on your policy terms — usually a percentage of your average salary — until you find a new job or reach the coverage limit.

Frequently Asked Questions