Different types of insurance companies operate in the UAE, each offering unique benefits to customers. Among them, ILOE Insurance is recognized as one of the best providers in the UAE, known for its extensive benefits. One of the top advantages of ILOE Insurance is that it provides three months of your basic salary in case of unemployment. This means you can receive three months of income if you lose your job, regardless of whether you work in the government or private sector. This coverage helps protect individuals who face termination due to company downsizing. You may Also like to Read about Emirates id status check and Unemployment Insurance UAE Quick Guide.
Why You Need ILOE Insurance in the UAE
In Dubai and other UAE states, it’s now mandatory to have insurance like ILOE; otherwise, you may face a fine on your Emirates ID. To avoid this, make sure you’re insured. Besides helping you comply with regulations, this insurance provides additional financial benefits. For instance, if you are terminated, the insurance can cover a portion of your salary.
If you’re considering other companies, it’s worth noting that ILOE stands out due to its high claim acceptance rate and customer satisfaction. The company has maintained an excellent reputation with no major complaints. To apply for ILOE Insurance, you can visit their office or use the online portal.
Requirements for Applying for ILOE Insurance
Before you apply, ensure you meet the specific requirements. Failing to meet these requirements can prevent you from getting coverage. Here’s what you need:
- Emirates ID
- Debit or Credit Card
Note: Make sure your Emirates ID is valid. The debit or credit card must also be active and capable of making online payments. If you don’t have either of these cards, you can use someone else’s card or visit a typing center in the UAE that can assist with the online application.
How to Apply for ILOE Insurance: A Step-by-Step Guide for 2025
You can apply for ILOE Insurance through their online portal, which provides all necessary service details and guidance on the application process.
Step 1: Visit the ILOE website by searching “ILOE Insurance” on Google.
(Image 1: Google search showing ILOE Insurance website at the top)
Step 2: On the ILOE website, a pop-up will appear. Click “Subscribe” to begin the application.
(Image 1: Screenshot showing “Subscribe” button on ILOE homepage)
Step 3: Choose your insurance plan. Options include Private Employee, Federal Government Employee, and Non-Registered in MOHRE. Select the one that applies to you.
(Image 1: Selection options for employee type on ILOE application page)
Step 4: After choosing the relevant employee category, enter your Emirates ID number or Labor card number and mobile number, then click “Request OTP Code” to receive a verification code.
(Image 2: Form for entering Emirates ID, mobile number, and requesting OTP)
Step 5: Enter the received OTP code and proceed to select your coverage plan. For example, if your salary is below AED 16,000, you pay AED 5 per month. Adjust the plan based on your salary if needed.
(Image 2: Page showing plan options based on salary)
Step 6: Agree to the terms and conditions by checking the box, then choose a payment frequency (e.g., monthly, quarterly, or yearly). Yearly payments are recommended. Review your information and click “Pay.”
(Image 2: Final confirmation and payment options page)
Step 7: Enter your email address and proceed to payment by entering your card details. Click “Pay” to complete the transaction. Wait a few seconds for confirmation, and you’re successfully enrolled in ILOE Insurance.
What to Do If You Don’t Have a Debit or Credit Card
If you lack a personal debit or credit card, don’t worry. You can use a friend’s card or seek assistance at typing centers across Dubai and the UAE. Typing centers can complete the application process for you.
Frequently Asked Questions (FAQ)
1. Why is ILOE Insurance mandatory in the UAE?
ILOE Insurance is required to avoid fines on your Emirates ID. It also provides salary protection for job loss, a useful financial safety net.
2. What are the main benefits of ILOE Insurance?
This insurance covers up to three months of your basic salary in case of job loss. It’s highly recommended for individuals in both private and public sectors.
3. Can I use someone else’s debit or credit card for ILOE Insurance?
Yes, if you don’t have a card, you can apply using a friend’s or relative’s card. You may also use typing centers in the UAE, which can help process applications.
4. How much does ILOE Insurance cost?
The monthly premium varies with your salary. For salaries below AED 16,000, the cost is AED 5 per month. Higher salaries have slightly different premium options.
5. How long does it take for my ILOE Insurance application to be processed?
Upon successful payment, coverage usually begins immediately. If you face any issues, you can contact customer support.
