What is ILOE Insurance in UAE
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
How Much Does ILOE Dubai Insurance Cost?
The subscription cost to the ILOE insurance 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 |
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
ILOE Platforms
You can get ILOE insurance UAE by downloading the mobile ILOE app (available for Android and Apple) or visiting ILOE official website.
SMS
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.
How to Claim ILOE Insurance
1. Check Your Policy Status
2. Submit Application
You can submit the application on the ILOE portal, app, 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. Follow Up (if needed)
What is the Penalty for Not Paying ILOE Insurance?
- 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?
- 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 30 day deadline
Can I Dispute My ILOE Insurance Claim?
Frequently Asked Questions
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.
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.
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.
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”.
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.
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.
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.
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.
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.
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.
The UAE authorities require all working individuals to get ILOE insurance. Certain exceptions are made for investors, domestic workers, and retirees.
You can pay ILOE Dubai insurance through the ILOE mobile app, ILOE website, Botim, C3Pay, or through Etisalat.
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.
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.
