Iloe Insurance - Price, Benefits, Eligibility & Online Application 2025
A simple and easy 3 step process to get your Iloe Insurance online.
While saving your Time, effort, and money.
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A simple and easy 3 step process to get your Iloe Insurance online.
While saving your Time, effort, and money.
Google Rating
Mobashar Hussain I had a great experience with Insurancehub. It is so easy to reimburse your claims with them. I would call their customer service team for help and they have been responsive and they care about your inquiry. Thank you Insurancehub team!
Alka Edvin Insurancehub provides good customer service and they really care about their clients. I was able to talk to Mr. Jibin, he helped to understand my case, my benefits and also explained the process of taking approvals. Thank you Jibin for helping me.
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ILOE Insurance ( Involuntary Loss of Employment Insurance) is a mandatory government-backed insurance scheme in the UAE that provides temporary monthly financial compensation to employees who lose their jobs involuntarily. It is regulated under Federal Decree-Law No. 13 of 2022 and applies to most private and public sector employees across Dubai and the UAE.
Yes, ILOE insurance is mandatory for all eligible employees working in the UAE private sector and federal government entities. Failure to subscribe can result in fines and legal consequences.
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Employees who fail to subscribe to the ILOE scheme may face:
To file an ILOE insurance claim:
Compensation is paid for up to 3 months per claim.
ILOE claims may be rejected for several reasons, including voluntary resignation, termination due to misconduct, or submission of fraudulent or fake documents. Claims can also be denied if the policyholder has missed premium payments or provided incorrect salary information at the time of subscription. Ensuring full compliance with eligibility rules and maintaining accurate records helps avoid claim rejection.
ILOE Insurance offers significant advantages for employees in the UAE. It provides financial protection during unexpected job loss, offering monthly income support to help cover essential expenses. As a mandatory government-backed program, it ensures stability and security for both expatriates and Emiratis. The insurance is affordable, with a low monthly premium, and features an easy online claim process. Additionally, coverage remains valid across multiple job changes, giving workers continuous support throughout their career journey.
Employers or individuals can buy supplemental ILOE insurance that:
| Monthly Salary | Mandatory ILOE Benefit | Voluntary Top-Up Benefit (extra AED 25/mo) | Total Potential Payout |
|---|---|---|---|
| 12 000 | 7 200 × 3 months = 21 600 | Extra 3 000 × 3 months = 9 000 | 30 600 |
| 25 000 | 15 000 × 3 months = 45 000 | Extra 10 000 × 3 months = 30 000 | 75 000 |
The ILOE insurance scheme uses a simple two-category system to help you find the right level of financial protection. Think of it like choosing a mobile data plan: you pick the one that best matches your usage and budget. Your category is automatically set based on your basic salary, making sure your coverage is always a perfect fit.
If your basic monthly salary is 16,000 AED or less, you'll be in Category A. This tier offers a solid financial safety net. The monthly premium is remarkably low at just 5 AED plus VAT. If you experience an involuntary job loss, you can receive compensation of up to 10,000 AED per month for a maximum of three straight months.
For those whose basic salary is above 16,000 AED, you will be placed in Category B. This level provides a higher degree of security for a small premium of 10 AED plus VAT each month. The main advantage is the increased compensation, which doubles to a maximum of 20,000 AED per month for up to three months.
| Feature | Category A (≤ 16,000 AED) | Category B (> 16,000 AED) |
|---|---|---|
| Basic Salary | 16,000 AED or less | More than 16,000 AED |
| Monthly Premium | 5 AED + VAT | 10 AED + VAT |
| Max. Monthly Compensation | 10,000 AED | 20,000 AED |
| Compensation Duration | Up to 3 consecutive months | Up to 3 consecutive months |
| Annual Premium | 60 AED + VAT | 120 AED + VAT |
If you're a Category A employee earning 15,000 AED/month:
15,000 AED × 60% = 9,000 AED → You’ll receive 9,000 AED per month (under the 10,000 AED cap).
If you're a Category B employee earning 35,000 AED/month:
35,000 AED × 60% = 21,000 AED → You’ll receive 20,000 AED per month (due to the cap).
Losing a job can be financially devastating. Mandatory ILOE insurance is a good start, but voluntary enhancements ensure mortgage payments, school fees and healthcare remain affordable during longer job searches. Protect your livelihood—review top-up options on InsuranceHub.ae today.
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Vivek MT February 24, 2025 Vivek MT February 24, 2025 Jibin Joseph December 17, 2025
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