How to Pay ILOE Insurance Online in UAE

What is ILOE Insurance in the UAE?

ILOE stands for Involuntary Loss of Employment insurance, a UAE scheme designed to provide temporary financial support if an eligible employee loses their job for reasons outside their control (subject to the scheme rules).

ILOE is separate from health insurance and car insurance, but it is similarly compliance-driven. Many residents treat it like a “must-keep-active” policy because missed payments can affect eligibility and can lead to penalties.

For official scheme information and access, refer to the ILOE portal.

Who Should Pay for ILOE Insurance?

ILOE is generally intended for employees working in the UAE who fall under the eligibility categories defined by the scheme.

In practice, people who usually need to pay attention to ILOE include:

• Private-sector employees
• Many free zone employees
• UAE residents on an employment visa who are covered by the scheme rules

Because eligibility and exemptions can vary by employment type and role, it is best to confirm your status directly on the official ILOE portal or through your employer’s HR.

How to Pay ILOE Insurance Online – Step-by-Step Guide

• Go to the official ILOE portal
• Log in with Emirates ID and OTP
• Select the correct subscription category
• Choose monthly or yearly payment (based on what the portal offers)
• Complete payment and save the receipt
• Download or screenshot your confirmation for future reference

Step 1 – Visit the Official ILOE Portal

Open the official website: iloe.ae. Avoid unofficial links shared on social media or messages, especially when making payments.

Tip: Use a secure connection and your own device, and do not save card details on shared browsers.

Step 2 – Log in Using Emirates ID / OTP

Log in with your Emirates ID details and complete OTP verification. If you do not receive the OTP:

• Check that your mobile number is updated in your Emirates ID records
• Try again after a few minutes
• Switch from Wi-Fi to mobile data (or the reverse)

Step 3 – Choose Your Subscription Category

ILOE is commonly structured in categories based on salary bands. Select the correct category carefully because:

• It affects the premium you pay
• It can affect how benefits are calculated if you ever claim

If you are unsure, confirm your basic salary band with HR before you proceed.

Step 4 – Select Payment Duration (Monthly / Yearly)

Choose the payment duration shown in the portal (for example, monthly or yearly options). Many people prefer paying longer durations to reduce the risk of missing a payment.

Before confirming, check:

• Your coverage start and end dates
• The next due date (if applicable)

Step 5 – Complete Online Payment

Proceed to payment and complete the transaction using the methods provided on the portal checkout page.

If the payment fails:

• Try a different browser
• Disable ad blockers for the payment page
• Use a different card if the bank blocks the transaction for security reasons

Step 6 – Download Payment Confirmation

After successful payment:

• Download the confirmation or receipt
• Save a copy in your email or cloud storage
• Keep a screenshot as backup

This proof is helpful if you need to resolve a status mismatch later.

ILOE Insurance Payment Methods Available Online

Payment methods can vary depending on the portal’s payment gateway and updates to the service, but online portals in the UAE commonly support options such as:

• Debit cards and credit cards
• Other digital payment options shown at checkout (availability depends on the portal and bank)

Always rely on what is displayed on the official payment page at the time you pay. If you do not see a method you want, try again later or use a different card.

How Much is ILOE Insurance Premium?

ILOE premiums are designed to be low-cost and are commonly presented by category.

Typical published premium levels for the base scheme are:

Notes:

• Any taxes/fees depend on the portal’s calculation at checkout.
• Always verify the latest premium on the official ILOE portal because scheme details can be updated.

What Happens If You Don’t Pay ILOE Insurance?

If you do not pay (or you miss payments), the most common outcomes are:

• Your ILOE coverage may become inactive or lapse under the scheme rules.
• You may face administrative penalties for non-compliance.
• You may become ineligible to claim benefits if you lose your job.

Because penalties and timelines can change, confirm the latest enforcement rules directly through the ILOE portal.

How to Check ILOE Payment Status Online

To confirm whether your payment has been recorded:

1. Go to the ILOE portal
2. Log in using your Emirates ID and OTP
3. Look for your subscription details and payment status
4. Download the certificate/confirmation if available

If your payment shows “pending” for longer than expected, keep your transaction reference and contact the official support channels listed on the portal.

Can You Cancel or Modify Your ILOE Subscription?

Whether you can cancel, change category, or modify payment duration depends on the scheme rules and the status of your subscription.

Practical guidance before you attempt changes:

• Review the terms shown in your portal account
• Check whether refunds are allowed (many government-linked subscriptions are not refundable once activated)
• If your employment status changes (new employer, visa change, leaving the UAE), confirm what action is required through official channels

When in doubt, use the help and contact details provided on iloe.ae so you do not accidentally lose coverage.

Common Issues While Paying ILOE Online (And Solutions)

Here are common problems users face, and what usually fixes them.

If you want an advisor to help you manage all your UAE insurance needs in one place (motor, medical, home, life, and more), you can explore InsuranceHub’s online platform at insurancehub.ae.