How to Claim ILOE Insurance UAE : Step-by-Step Guide for UAE Employees

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Nithila Kumar
Last updated on May 6, 2025

Involuntary Loss of Employment (ILOE) insurance is a government scheme available to all working resident individuals in the UAE. It was created to provide financial support during periods of unexpected unemployment. Knowing how to claim ILOE insurance UAE is essential to ensure timely access to these benefits. The insurance was introduced to the UAE public in 2022 and was made mandatory for both expat and local employees at the beginning of 2023.

What is ILOE Insurance UAE

ILOE unemployment insurance aims to provide a safety net to individuals between jobs, by offering compensation to cover their daily expenses.

You will get the insurance payout for up to three months after the termination of your job contract, as long as you didn’t resign of your own free will or were fired because of misconduct or other similar reasons.

The monthly ILOE insurance UAE benefits you’ll receive will depend on your basic salary, as the amount cannot exceed 60% of your current basic wage for the last six months. There are many ways you can subscribe to the insurance, which we’ll discuss in a later section.

Features of ILOE Insurance UAE

Available to public and private sector employees
Available to both expat and local employees of the UAE
Available to free zone and mainland company employees
The compensation is up to 3 months per claim
Compensation will not exceed AED 10,000 or AED 20,000 per month, depending on category
It is capped at 12 months over an individual’s entire career in UAE
Policies are available for 1 or 2 years, with an option to renew

Benefits of ILOE Insurance

Financial support: Job loss can be a stressful time, and the ILOE insurance UAE gives individuals a safety net to cover their daily expenses.
Reduces stress: Individuals don’t have to worry about finances while they look for another job
Attracts talent: ILOE insurance UAE contributes to the economic development of the UAE and positions it as a country that prioritises employee well-being.

How Much Does ILOE Dubai Insurance Cost?

The subscription cost to the ILOE insurance UAE policy is entirely dependent on your salary. If you make AED 16,000 or less a month, it costs AED 5/month, or AED 60 for the year. If your monthly salary is over AED 16,000, the price goes up to AED 10/month, or AED 120 for the year. Both payments are subject to VAT.

	Category A	Category B
Salary range	AED 16,000/month or less	More than AED 16,000/month
Monthly cost	AED 5	AED 10
Maximum compensation period	3 months per claim	3 months per claim
Maximum compensation amount	Up to AED 10,000/month	Up to AED 20,000/month
Payment periods	Monthly/Quarterly/Semi-annually/Annually	Monthly/Quarterly/Semi-annually/Annually

In the event that your salary changes while you are subscribed to the ILOE insurance policy, you must update your details on the relevant portal. If it is a salary increase, you will be required to pay the new premium amount on previous payments and payments going forward. If it is a salary decrease, you will be required to pay the premium as per your category on subsequent payments.

What Makes an ILOE Insurance Claim Valid?

You should have paid the insurance premium for at least 12 months
You must be over 18 years of age
You are not an investor, retiree, or domestic worker
You do not have a temporary work contract
You should have made all the insurance premium payments on time
You should have submitted the claim within 30 days the end of your job contract
Your MOHRE application to cancel your work permit must state “termination”, as should your employer letter
You are still a legal resident of the UAE
Your employment was not terminated due to general strikes, war, or related events
You don’t have any outstanding complaints with your employer or the government

All the Ways to Get ILOE Insurance

Before knowing how to claim ILOE insurance, it’s important to understand how to subscribe to the insurance. You can subscribe to the insurance program online or in-person. Once you’ve subscribed, you’ll get a Certificate of Insurance which you will need to claim your payout.

ILOE UAE Platforms

You can get ILOE insurance UAE by downloading the mobile ILOE app (available for Android and Apple) or visiting ILOE (www.iloe.ae) official website .

SMS

Only Etisalat users can subscribe to ILOE insurance through SMS. You can do this by texting your Emirates ID number to 2120.

Business & Exchange Centers

If you prefer to apply for the insurance in person, you can visit any Tas-heel or Taw-jeeh branch with the required documents. Al Ansari Exchange also offers the option to purchase ILOE insurance at their branches or website.

Banks, ATMs, Apps

You can also subscribe to ILOE unemployment insurance through ILOE quick pay using any online banking application or ATM. Eligible individuals can also use other MOHRE-approved service providers like the BOTIM, MBME, or C3Pay apps to get the policy.

How to Claim ILOE Insurance

1. Check Your Policy Status

If you ever have to claim the Dubai ILOE insurance, make sure that your premiums have been paid on time, and that your policy status is active. Late payments or expired policies can make it more difficult to claim your insurance cash amount. Remember that you can only claim the insurance after your employer cancels your work permit.

2. Submit Application

You can submit the application through the ILOE Login portal or by calling 600 599 555. For online applications, you will need to attach a few documents along with your application form. The application form will ask for your bank details, so make sure you have them ready.

Documents to Claim ILOE Insurance UAE

Emirates ID
Insurance certificate
Cancelled work permit application from MOHRE (with “termination” as reason for contract end)/Letter from employer
Stamped bank statement (for proof of salary)
Employment contract (may need to be attested)
Stamped End of Service Benefits (EOSB) statement

3. Provide a Travel Report

You will also need to provide a travel report to support your Dubai insurance ILOE application. The report will confirm your legal residency in the UAE. You can get this report through Amer, the GDRFA website, or the Dubai NOW app.

4. Select Payout Method

Al Ansari Exchange now offers the ILOE insurance payment option allowing individuals to collect their ILOE payout in cash at any of their centers. Make sure to take your Emirates ID with you to collect your payout. You can also choose to receive it by bank transfer.

5. Follow Up (if needed)

If your claim hasn’t been approved in 30 days, you can follow up by checking your application with the reference number you would have received after submitting your claim. In some cases, you may be asked to provide additional documentation by the insurance provider. You can also call the toll free number to track your application status.

I Can’t Find My Certificate of Insurance, What Do I Do?

If you’ve already subscribed to the ILOE insurance but did not receive your certificate, you can find it by accessing the ILOE login portal (iloe.ae) or app. Choose your government sector, and then add your phone number and Emirates ID number to get your OTP. Once you log in, you can find your Certificate of Insurance under “View Policy details.

What is the Penalty for Not Paying ILOE Insurance?

UAE residents have to pay their insurance premium within 90 days of the set payment date. If you don’t make the ILOE fine payment on time, your insurance certificate could be cancelled and you will have to go through the application process all over again.

The government has made it mandatory for employees to subscribe to ILOE insurance within four months of their entry into the country or issuance of a new work permit.

It is important to note that you can’t get a new work permit until all your penalties have been cleared. You can face two types of penalties for ILOE insurance UAE:

Failure to subscribe: AED 400
Failure to pay premium: AED 200

These penalties may be deducted from your gratuity payment or collected from your registered bank account.

What Happens if My ILOE Insurance Claim is Rejected?

There are a few common reasons your ILOE Dubai insurance claim could be rejected:

You didn’t submit all the necessary paperwork
There was a mistake in your application form
Your policy was inactive
You submitted your claim after the ILOE last date, which is the 30-day deadline.

In any case, you can contact them by emailing claims@iloe.com for further clarification or by calling the toll-free number 600 599 555.

Make sure to follow up diligently with the insurance provider so that you can resubmit your application within the deadline if needed.

Can I Dispute My ILOE Insurance Claim?

You can raise an official complaint on the ILOE website or app if you have reasonable cause to dispute your claim rejection. Make sure to keep all the relevant information ready in case you are asked to submit any evidence. You should also call the toll free number or email claims@iloe.com if you have any questions about your claim. Individuals are allowed to file a complaint with MOHRE as a final resort in extreme cases.

How to Renew ILOE Insurance

If you chose to pay the insurance annually, you’ll get a notification when it’s time to renew. You can renew your insurance on the ILOE portal, Tawjeeh or Tasheel centers, or at an Al Ansari Exchange. You just need your Emirates ID and local phone number to do it.

What’s Next After Job Loss in the UAE?

Taking the leap into entrepreneurship? A strategic business setup in Dubai can position you at the heart of one of the world’s most dynamic commercial hubs.

Frequently Asked Questions

Do I Get ILOE if I Resign?

ILOE unemployment insurance is not available to individuals who voluntarily resigned from their place of employment. It is only for termination of employment due unexpected circumstances.

What Happens if I Don’t Renew My ILOE Insurance?

If you don’t renew your ILOE insurance policy within the renewal deadline, you risk being penalized and having your insurance certificate cancelled. This means you will not be eligible to receive the compensation until you pay the premium for 12 months in a row.

How to Check ILOE Insurance Status?

You can check your insurance claim status by checking the official website or app. You can also call their help desk at 600 599 555. Once your ILOE insurance UAE claim has been approved, you will receive the first payment within 7-10 business days.

How Can I Get My Insurance Certificate?

Individuals can find their ILOE insurance certificate on the official website or app. You’ll need to enter your industry sector, phone number, and Emirates ID number to verify your identity. Your certificate will be under “View Policy Details”.

What is the Maximum ILOE Insurance Amount I Can Get?

AED 20,000 per month is the maximum ILOE insurance payout for individuals making over AED 16,000 a month. You can get up to AED 10,000 a month if your monthly salary is under AED 16,000.

What Happens to My ILOE Insurance Benefits if I Change Jobs?

Your ILOE insurance compensation will be unaffected by your job switch as long as you update your employment details on your application and continue to make timely premium payments.

How is ILOE Insurance UAE Calculated?

Generally, your ILOE insurance payout will not exceed 60% of your current monthly salary. So if your basic salary is AED 4,000, you’ll get AED 2,400 every month for up to three months.

How Many Days to Claim ILOE Insurance?

The deadline to submit an ILOE insurance claim is within 30 days of the end of your employment contract. If your claim is rejected, you can re-submit your application as long as it is within the deadline.

What are the ILOE Insurance Benefits?

ILOE insurance was introduced as a way to help individuals deal with unexpected job loss and pay their daily expenses. The compensation ensures that you don’t have to worry about your finances while you job hunt.

What is the Annual Fee For ILOE?

The annual fee for ILOE insurance UAE depends on your monthly salary. UAE residents must pay AED 5 per month if they make AED 16,000 or under, while those who make more will pay AED 10 per month.

Is Getting ILOE Mandatory?

The UAE authorities require all working individuals to get ILOE insurance. Certain exceptions are made for investors, domestic workers, and retirees.

Where Can I Pay ILOE Insurance?

You can pay ILOE Dubai insurance through the ILOE mobile app, ILOE website, Botim, C3Pay, or through Etisalat.

How to Pay ILOE in Botim?

On the BOTIM app, go to the “Explore” section. Then, select “More” under the “Featured” section. You will find “ILOE Insurance” under “BOTIM Smart”. You can enter your Emirates ID number and email ID to get started.

How Do I Check My ILOE Insurance Status?

You can check your ILOE insurance status on the official website or on the mobile application. If you’ve used another service provider like a bank or BOTIM, you can check your policy status on their application.

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