Dubai Insurance Labour Payment: A Complete Guide to UAE Worker Protection 2025 -

In the UAE, ensuring fair labour rights and financial security for workers is a national priority. One of the most important initiatives supporting this goal is the Dubai Insurance Labour Payment system, designed to protect employees—especially low-income and blue-collar workers—from salary disruptions. Managed by Dubai Insurance, this system plays a crucial role in the UAE’s labour protection framework.

Here’s everything employers and workers need to know about labour payment protection, insurance benefits, eligibility, and claims.

What Is Dubai Insurance Labour Payment?

The Dubai Insurance Labour Payment scheme refers to a group of insurance programs managed by Dubai Insurance in collaboration with the Ministry of Human Resources and Emiratisation (MOHRE). These programs are designed to:

Protect workers’ wages and entitlements
Provide compensation in cases where employers fail to pay salaries
Ensure financial support during unemployment or company closure

This initiative helps build a fair and stable labour market by offering guaranteed wage protection to thousands of workers across the UAE.

Key Labour Insurance Schemes by Dubai Insurance

1. Workers Protection Program (WPP)

The Workers Protection Program is the core of Dubai Insurance’s labour payment protection system. It provides financial support when an employer fails to meet salary obligations due to bankruptcy, absconding, or operational shutdown.

Highlights:

Coverage up to AED 20,000
Compensation for unpaid salaries, end-of-service benefits, and return airfare
Especially useful for low-income and domestic workers

2. Involuntary Loss of Employment (ILOE) Scheme

Though different from direct salary protection, the ILOE scheme offers monthly compensation to employees who lose their job involuntarily.

Benefits:

Up to 60% of basic salary, capped at AED 10,000 (Category A) or AED 20,000 (Category B)
Maximum compensation period: 3 months per claim
Subscription via ILOE portal, mobile app, or approved partners

3. Establishment Workers Insurance

This covers various types of private-sector workers, including high-risk and semi-skilled labourers. It’s structured to ensure workers are compensated for unpaid dues and are supported during employment disputes.

30-Month Premium (Inclusive of VAT):

Domestic Workers: AED 105
Skilled: AED 144.38
Limited Skilled: AED 189
High Risk: AED 262.50

Who Is Eligible for Labour Payment Protection?

Dubai Insurance labour payment schemes apply to:

Private-sector workers (including construction, retail, services)
Legally employed UAE residents
Workers earning monthly wages below a certain threshold
Domestic workers and employees under individual sponsorships (select cases)

Employers must register their workers and ensure premiums are paid for active coverage.

How to Claim Labour Payment Compensation

Claim Process – Workers Protection Program

Visit the WPP Claims Portal
Submit personal details, Emirates ID, visa copy, and employment contract
Include proof of unpaid wages or company closure
Claims are usually processed within 15–30 working days

Claim Process – ILOE

Access the ILOE portal or app
File the claim within 30 days of termination
Attach supporting documents (termination letter, salary slips)
Compensation is paid monthly, directly to the worker’s account

Digital Payment & Subscription Channels

Dubai Insurance enables digital access through:

ILOE App (iOS/Android)
MOHRE-authorized business service centers
ATMs & money exchanges
Banking partners for direct premium payments
Online portals for both employers and employees

This ensures paperless, quick, and secure salary protection registration.

Regulatory Support & Employer Accountability

Employers who fail to insure their workers or default on payments may face:

Suspension of company services by MOHRE
Freezing of work permits
Legal action, fines, and blacklisting

These consequences are meant to enforce transparency and safeguard employee rights.

Real-Life Impact & Government Support

As of 2025, millions of workers have subscribed to Dubai Insurance-backed protection schemes
UAE aims to become a regional model for worker welfare through insurance-based systems
MOHRE continues to introduce improvements in claim processing, payout speed, and legal safeguards

Why Dubai Insurance Labour Payment Is Crucial

Financial security during employer insolvency
Peace of mind for workers sending money back home
Trust building between employers and workforce
Compliance with UAE’s labour regulations

How Employers Can Subscribe Workers

Register on Dubai Insurance’s employer portal
Add employee details and Emirates ID
Select the appropriate premium based on labour category
Make payment and issue confirmation certificates
Renew coverage every 30 months

Dubai Labour Insurance & Protection Schemes

Scheme/Portal	URL	Description
Workers Protection Program (WPP)	https://dubins-wpp.ae	Official claim portal for workers to request unpaid salary, dues, and wallet refunds
ILOE (Involuntary Loss of Employment)	https://www.iloe.ae	Insurance for job loss—monthly cash benefits up to 60% of previous salary for 3 months
Dubai Insurance – Home Page	https://www.dubins.ae	Official site of Dubai Insurance offering various insurance products, including labour schemes
ILOE Portal Login (Alternate)	https://www.diniloe.ae	Login portal for registered users to access ILOE services
ILOE Quick Pay – MOHRE	https://eservices.mohre.gov.ae	Quick pay service for ILOE premium payments through MOHRE
UAE Official Government Portal – Unemployment Insurance	https://u.ae	Information on eligibility, premium, and claim process for UAE’s unemployment insurance scheme
Workers Health Insurance (WHI)	https://whi.ae	Provides affordable health insurance coverage for workers across the UAE
MOHRE Awareness & Basic Health Package	https://www.mohre.gov.ae	Government resource on labour rights, health insurance schemes, and guidance

Labour Protection & Insurance Schemes

Program	Managed By	Coverage	Premium	Benefits
Workers Protection Program (WPP)	Dubai Insurance + MOHRE	Salary dues if employer defaults	Varies by worker category	Up to AED 20,000 + repatriation
ILOE (Job Loss Insurance)	Dubai Insurance	Monthly salary (60%) for up to 3 months	AED 5–10/month (based on salary)	AED 10K–20K max compensation
Workers Health Insurance (WHI)	Dubai Insurance	Basic healthcare, sick leave support	AED 105–262.5 for 30 months	Medical expenses & wellness support
Domestic Workers Insurance	Dubai Insurance	Salary protection & health cover	AED 105 for 30 months	Financial and medical security for domestic workers

FAQs

1. What is Dubai Insurance Labour Payment?
Dubai Insurance Labour Payment refers to insurance-backed salary protection programs like the Workers Protection Program (WPP) and Involuntary Loss of Employment (ILOE) scheme. These programs provide financial coverage to UAE workers in case of salary delays, employer default, or job loss.

2. Is Dubai Insurance Labour Payment mandatory for employers in the UAE?
Yes. It is mandatory for all private-sector employers to subscribe to labour insurance schemes such as the WPP to protect their employees’ salaries and legal entitlements, as per UAE labour law.

3. How can a worker apply for unpaid salary compensation?
Workers can apply through the Dubai Insurance WPP claim portal by submitting their Emirates ID, employment contract, and proof of unpaid wages or employer default. Claims are usually processed within 15–30 working days.

4. What is the difference between ILOE and WPP?
ILOE provides compensation when a worker is terminated involuntarily, offering monthly payouts for up to 3 months. WPP protects workers when employers fail to pay salaries due to insolvency or absconding.

5. What is the maximum coverage under Dubai Insurance Workers Protection Program?
The WPP provides a maximum coverage of AED 20,000 to each eligible worker for unpaid wages, gratuity, and return travel costs.

6. Who is eligible for the Dubai Insurance labour payment protection?
Any legally employed private-sector worker in the UAE, including blue-collar, domestic, skilled, and semi-skilled workers, is eligible if registered under an active labour insurance policy by their employer.

7. How much does labour insurance cost for employers?
Premiums vary based on the type of worker: Domestic Workers: AED 105 (incl. VAT), Skilled Workers: AED 144.38, Limited Skilled: AED 189, High-Risk Workers: AED 262.50. Each policy covers a 30-month period.

8. How can I subscribe to the Dubai Insurance ILOE scheme?
You can subscribe via the official ILOE website, mobile app (Google Play or App Store), MOHRE-approved service centers, ATMs, exchange centers, or partnered bank apps.

9. Can domestic workers be covered under labour insurance?
Yes. Domestic workers are eligible under a specific Dubai Insurance Domestic Workers Insurance Plan, which covers salary disputes and other employment-related risks.

10. What happens if an employer doesn’t register for labour insurance?
Employers who fail to register and insure their workers may face penalties such as company service suspension, freezing of work permits, fines, and legal consequences from MOHRE.

Conclusion

Dubai Insurance Labour Payment schemes represent a major step in the UAE’s journey toward fair, transparent, and ethical labour management. Whether you’re a worker looking for wage security or an employer aiming to stay compliant, subscribing to these insurance programs ensures protection, stability, and peace of mind in today’s dynamic work environment.