ILOE insurance—Involuntary Loss of Employment cover—has become an indispensable safety net for many UAE residents. Renewing it on time ensures uninterrupted monthly benefits if you suddenly lose your job. This guide shows you exactly how to renew ILOE insurance online and avoid common pitfalls.
What Is ILOE Insurance?
ILOE insurance pays up to 60 % of your basic salary (capped at AED 20,000 per month) for a fixed period when you are laid off. Policies are offered via the Ministry-approved subscription platform and supported by multiple insurers. The small monthly premium—often less than AED 5 for Category A employees—makes it an affordable layer of financial security.
Why You Should Renew Your ILOE Insurance on Time
- Coverage lapses after the policy anniversary if no payment is received.
- A 30-day grace period applies, but claims filed during this window may be rejected.
- Renewing early maintains your no-claim record, which can qualify you for loyalty discounts.
- Continuous cover is often a visa-renewal prerequisite for private sector workers.
Step-by-Step Process to Renew ILOE Insurance Online
- Visit the official ICP portal or authorised app.
- Log in with your Emirates ID and registered mobile OTP.
- Select “Renew ILOE Policy” from the dashboard.
- Confirm personal details and employment category.
- Choose the renewal term (12 or 24 months) and review the premium.
- Pay securely using a UAE-issued credit/debit card or Apple Pay.
- Download the renewed certificate and save the PDF for HR records.
How to Check ILOE Renewal Status
| Method | Where to Access | Information Shown |
|---|---|---|
| ICP Portal | icp.gov.ae → Services → ILOE | Active/inactive status, expiry date |
| Mobile App | ICP Smart Services | Digital copy of certificate |
| SMS | Send “ILOE | Instant renewal confirmation |
ILOE Renewal Fees and Payment Options
Premiums remain unchanged for 2025:
- Category A (salary ≤ AED 16,000): AED 60/year.
- Category B (salary > AED 16,000): AED 120/year.
Payment options include Visa, Mastercard, Mada, Apple Pay, and select digital wallets. Insurancehub.ae partners with payment gateways that apply PCI-DSS security, keeping your card data encrypted.
Common Issues During ILOE Renewal and How to Fix Them
- OTP not received: Check if your mobile number is updated on the ICP system; update via SmartPass if needed.
- Card declined: Ensure 3-D Secure is enabled or use another card.
- Duplicate policy error: You may already have auto-renewed through your employer. Contact HR or the insurer.
- Expired Emirates ID: Renew your ID first, then process ILOE renewal.
Renew Your ILOE Insurance with Confidence
For seamless renewals, set calendar reminders a month before expiry and keep your payment details current. If you prefer guided assistance, insurancehub.ae offers free chat support and renewal alerts so you never miss a deadline.
