Secure your income during unexpected job loss with ILOE Insurance, the official UAE unemployment insurance scheme. Designed for UAE nationals and expatriates, this program provides up to 60% of your average basic salary for three months if you face involuntary unemployment. Quick registration, affordable premiums, and financial peace of mind ensure you stay protected while seeking new employment opportunities.
What is ILOE Insurance in the UAE?
ILOE Insurance (Involuntary Loss of Employment) is a government-backed insurance scheme introduced by the UAE in 2023 to support employees who lose their jobs due to reasons beyond their control. This program safeguards workers against sudden income loss, helping them maintain essential living expenses, such as rent, utilities, healthcare, and food, during periods of unemployment.
The ILOE scheme is mandatory for most employees across private, federal, and free-zone sectors, ensuring broad coverage for the UAE workforce. The insurance provides monthly compensation for up to three months per claim, with a lifetime benefit cap of 12 months, depending on your salary category.
Key Entities:
- UAE Ministry of Human Resources and Emiratisation (MOHRE)
- ILOE Portal: www.iloe.ae
- Dubai Now App, Amer, Al Ansari Exchange, Tas-heel, Tawjeeh
Who Needs to Subscribe to ILOE Insurance?
All employees in the UAE’s private, federal, and free-zone sectors are required to subscribe. Exceptions include:
- Investors or business owners
- Domestic helpers
- Temporary contract employees
- Under-18 individuals
- Retirees already receiving pensions
Eligibility Highlights:
- UAE nationals and residents with valid work permits
- Employees in both mainland and free-zone companies
- Those seeking financial protection against involuntary job loss
How Does ILOE Insurance Work?
The insurance is structured into two salary-based categories:
| Category | Salary Range | Premium (AED/Month) | Max Compensation/Month | Duration per Claim | Lifetime Cap |
|---|---|---|---|---|---|
| A | ≤ 16,000 | 5 + 5% VAT | 10,000 | 3 months | 12 months |
| B | > 16,000 | 10 + 5% VAT | 20,000 | 3 months | 12 months |
Key Points:
- Premium payments must be timely to maintain eligibility
- Claims cover up to 60% of the average basic salary over the last six months
- Compensation supports essential expenses during unemployment
- The lifetime cap ensures the sustainability of the insurance pool
How to Subscribe to ILOE Insurance
You can enroll through multiple channels:
1. Online Platforms
- ILOE mobile app (iOS & Android)
- Official portal: www.iloe.ae
2. SMS (Etisalat Users)
- Send your Emirates ID to 2120 to subscribe
3. Service Centers
- Tas-heel and Tawjeeh branches
- Al Ansari Exchange for in-person registration
4. Banks and Apps
- MOHRE-approved apps: BOTIM, MBME, C3Pay
- Online banking portals or ATMs for payment
Step-by-Step Iloe Insurance UAE Registration Online:
- Visit www.iloe.ae or open the mobile app
- Log in using your Emirates ID and mobile number (OTP verification)
- Choose your category (A or B) based on your basic salary
- Select a subscription duration (1 or 2 years)
- Choose payment frequency: monthly, quarterly, semi-annual, annual
- Make the payment and download the Insurance Certificate
How to check ILOE Insurance Expiry Date
You can check your ILOE insurance expiry date online through the official Involuntary Loss of Employment (ILOE) portal in the UAE. The system allows employees to confirm their insurance status, policy validity, and expiry date using their Emirates ID details.
Checking the expiry date is important because expired ILOE insurance can result in fines and loss of unemployment benefits. This page explains how to check the ILOE insurance expiry date in the UAE, what details are required, and what steps to take if the policy has expired.
Why Checking the ILOE Insurance Expiry Date Is Important
Employees should regularly check ILOE insurance status to:
- Avoid ILOE insurance fines
- Confirm the policy is active
- Maintain eligibility for unemployment compensation
- Renew the policy before expiry
An expired policy may result in penalties under the Unemployment Insurance UAE law.
Steps to Check ILOE Insurance Expiry Date Online
The official ILOE portal provides the most accurate method for an ILOE insurance check online.
- Visit the official ILOE website.
- Select the ILOE insurance login.
- Choose Login with OTP.
- Enter your Emirates ID number.
- Enter your registered mobile number.
- Request and enter the OTP.
- View your ILOE insurance details, including expiry date and status.
This method is commonly searched for as how to check the ILOE insurance expiry date online.
How to Check ILOE Insurance Expiry Date by Passport Number
- Currently, the official system primarily supports verification through the Emirates ID.
- Checking the ILOE insurance expiry date by passport number is only possible if the passport is already linked to the Emirates ID record.
For accurate results, employees should use the ILOE insurance check online option with Emirates ID.
ILOE Insurance Renewal
Renewal is crucial to maintain coverage and compliance. The ILOE insurance renewal online login process allows you to continue protection seamlessly:
Steps to Renew:
- Visit the ILOE portal or app
- Click “Subscribe/Renew Here”
- Select your employment category (private, government, free-zone)
- Log in using OTP or registered account credentials
- Review and update personal information and salary
- Select renewal term (1-year or 2-year)
- Choose a payment plan and complete the transaction
- Download the updated Insurance Certificate
Tips:
- There’s a grace period of 30 days to renew after expiry
- Update your premium if your salary changes
ILOE Insurance Fine Check
Failing to register or pay premiums on time incurs fines. Employees can check fines via:
- MOHRE website: Quick Pay section
- MOHRE mobile app using UAE Pass
Fines Overview:
| Violation | Fine (AED) | Additional Consequences |
|---|---|---|
| Late/non-subscription | 400 | Visa/ID renewals blocked |
| Overdue premium (3+ months) | 200 | Policy canceled; renewal required |
| Unpaid fines >3 months | – | Deducted via WPS or end-of-service benefits |
How to Claim ILOE Insurance
Eligibility Requirements:
- Minimum 12 months of premium payments
- Unemployment must be involuntary
- No dismissal for disciplinary reasons
- Claim submitted within 30 days of termination
- Legal UAE residency
Required Documents:
- Emirates ID copy
- Insurance certificate
- Employment contract and official termination letter
- Bank IBAN certificate
- Salary statements (stamped)
- End of Service Benefits (EOSB) statement
- Travel report confirming residency
Submission Channels:
- Online: www.iloe.ae, ILOE mobile app
- Phone: 600 599 555 (toll-free)
- Cash Claims: Al Ansari Exchange (if premiums paid there)
Claim Processing:
- Typically approved within 14 days
- Payment via bank transfer, check, or cash (depending on payment method)
- Reference number allows follow-up for pending claims
ILOE Dubai Insurance Cost
Premium Structure:
| Category | Monthly Salary | Premium | VAT | Max Monthly Compensation |
|---|---|---|---|---|
| A | ≤ AED 16,000 | AED 5 | 5% | AED 10,000 |
| B | > AED 16,000 | AED 10 | 5% | AED 20,000 |
Payment Options: monthly, quarterly, semi-annual, annual.
Salary changes must be updated on the portal; premiums adjusted accordingly.
What Makes an ILOE Claim Valid?
- Paid premiums for at least 12 consecutive months
- Employee 18+ years old
- Not a retiree, investor, or domestic worker
- Submitted within 30 days of termination
- Termination not due to strikes, wars, or misconduct
- Legal UAE residency
- No pending disputes or abscondment cases
Benefits of ILOE Insurance
- Income Support: 60% of the average basic salary
- Dignity & Peace of Mind: Financial stability during job transitions
- Universal Coverage: UAE nationals, expatriates, mainland & free-zone employees
- Economic Stability: Maintains spending power, supports the UAE economy
- Affordable Protection: AED 5–10/month, minimal burden for high benefit
- Short-Term Safety Net: Covers up to 3 months per claim
- Lifetime Cap: Up to 12 months of total benefits
Frequently Asked Questions
Final Thoughts
ILOE Insurance is a modern, essential financial safety net in the UAE. It ensures employees—both nationals and expatriates—can handle job loss without financial distress. With low premiums, easy registration, online renewals, and clear claim procedures, ILOE is a trusted government-backed program that promotes workforce stability and economic resilience.