iloe Insurance

Dealing with unemployment can be financially challenging, but the UAE’s Involuntary Loss of Employment (ILOE) scheme provides essential economic support to nationals and expatriates alike. This scheme offers a monthly benefit equivalent to 60% of the basic salary earned in the preceding six months before unemployment.

Understanding ILOE

ILOE, or Involuntary Loss of Employment, is accessible to employees from both public and private sectors in the UAE. The scheme offers significant benefits based on salary brackets:

Salary Category Monthly Benefit Maximum Duration
Category A (Up to AED 16,000) AED 10,000 Up to 3 months per claim
Category B (Above AED 16,000) AED 20,000 Fixed monthly benefit

Subscribers contribute through affordable premiums: AED 5 plus VAT monthly for Category A and AED 10 plus VAT for Category B. Payment frequencies include monthly, quarterly, semi-annually, or annually, with a minimum 12-month subscription period required for eligibility.

Steps to Subscribe to the ILOE Scheme

Step 1: Visit the ILOE Portal

  • Access the ILOE portal and select “Private” under the “Individual” section.

Step 2: Sign-in Process

  • Opt for “With OTP,” provide your Emirates ID and mobile number, and request an OTP. Enter the received OTP to proceed.

Step 3: Confirm Personal Details and Create Your Plan

  • Validate automatically generated personal details from your Emirates ID and select coverage duration (one or two years) and payment frequency.

Step 4: Payment Confirmation

  • Review the calculated premium, agree to the Terms and Conditions, and click “Pay Now.” Enter your card details for payment and opt to receive a Certificate of Insurance (COI) via email.

Alternative Subscription Methods

  • In-Person: Visit Al Ansari Exchange, Tawjeeh, or Tasheel service centers with your Emirates ID and mobile number to complete the ILOE insurance form and payment.
  • MBME Pay and uPay Kiosks: Locate nearby kiosks using the respective app’s maps and subscribe conveniently.
  • C3Pay App: Download the C3Pay app, a WPS agent, on your Apple or Android device for simplified subscription.


Navigating unemployment is challenging, but the UAE’s ILOE scheme stands as a reliable support system. By subscribing and meeting eligibility requirements, you ensure financial stability during unexpected job loss, securing a monthly benefit based on your salary bracket. Plan ahead, subscribe, and safeguard your financial well-being with UAE’s ILOE insurance.

How to apply to Involuntary Loss of Employment (ILOE) Insurance in UAE
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