How to Renew ILOE Insurance in UAE
How to Renew ILOE Insurance in UAE: The Involuntary Loss of Employment (ILOE) insurance scheme in the UAE provides a safety net for employees who lose their jobs due to reasons other than resignation or disciplinary actions. With thousands of employees subscribing to the scheme, knowing how to renew ILOE insurance on time is crucial to ensure uninterrupted protection.
In this article, we’ll walk you through who can renew, how to renew, and why timely renewal matters for employees across the UAE.
| Section | Details |
|---|---|
| Eligibility | Emiratis and residents in federal/private sectors |
| Exempted Categories | Investors, domestic helpers, temp workers, juveniles under 18, retirees |
| Policy Duration Options | 1 year or 2 years |
| Renewal Methods | ILOE portal, ILOE app, Exchange centers, Tasheel/Tawjeeh, bank apps, SMS |
| Cost (Category A) | AED 5 + VAT/month (Salary ≤ AED 16,000) |
| Cost (Category B) | AED 10 + VAT/month (Salary > AED 16,000) |
| Max Monthly Benefit (A) | Up to AED 10,000 |
| Max Monthly Benefit (B) | Up to AED 20,000 |
| Max Compensation Period | 3 consecutive months per claim |
| Total Limit (Lifetime) | 12 monthly payments total (regardless of claims) |
| Payment Methods | Debit/credit card, telecom billing, app payments |
| Support Contact | 800-ILOE (800-4563) |
What Is ILOE Insurance and Why Is Renewal Important?
ILOE Insurance, introduced under Federal Decree Law No. 13 of 2022, helps eligible employees receive 60% of their average basic salary (up to a set limit) for a period of up to 3 months in case of job loss. It acts as a temporary income replacement until the employee finds new work.
Timely renewal is critical to maintain eligibility and continue coverage without interruptions.
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Eligibility for ILOE Renewal
You are eligible to renew ILOE insurance if:
- You are an Emirati or resident employee in the federal government or private sector
- You have already subscribed for 12 consecutive months
- You are not in one of the exempted categories
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Exempted categories include:
- Investors/owners of companies
- Domestic helpers
- Temporary contract workers
- Juveniles under 18
- Retirees receiving pensions
When Should You Renew?
You should renew before your current policy expires to avoid losing benefits. Renewal can be done for either:
- 1 year or
- 2 years
Note: There is no official grace period, so early renewal is recommended to keep your coverage active.
How to Renew ILOE Insurance in UAE
Online steps:
Option 1: ILOE Portal
- Visit the ILOE Portal (https://www.iloe.ae)
- Login with your Emirates ID number or UAE Pass
- Go to the “Renew” section
- Choose your plan (1-year or 2-year)
- Make payment using a card or other listed options
- Download or email your renewed policy
Option 2: ILOE Mobile App
- Download the app from Google Play or Apple Store
- Login and navigate to “Policy Renewal”
- Select your plan and review premium
- Pay and receive confirmation
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Other Ways to Renew ILOE Insurance
Besides the portal and app, renewal is available via the following additional channels (service fees may apply):
| Channel | How to Renew |
|---|---|
| Exchange Centers | Provide Emirates ID and mobile number |
| Business Centers | Visit Tasheel or Tawjeeh with valid ID |
| Telecom Bills/SMS | Use Etisalat or du service numbers |
| Bank Apps & ATMs | Login to your bank app → Services → ILOE |
| Kiosks (Coming Soon) | Follow on-screen instructions |
What’s the Cost of Renewal?
| Category | Basic Salary Range | Monthly Premium | Max Monthly Benefit |
|---|---|---|---|
| A | AED 16,000 or below | AED 5 + VAT | Up to AED 10,000 |
| B | Above AED 16,000 | AED 10 + VAT | Up to AED 20,000 |
VAT is charged on the first installment only.
How to Check Your Renewal Status
- Login to the ILOE Portal (https://www.iloe.ae)
- Open the “My Policies” section
- See status: Active / Expiring Soon / Expired
- Call the ILOE support hotline: 800-ILOE (800-4563)
Common Renewal Issues and Fixes
| Issue | Solution |
|---|---|
| Missed payment | Use the portal or app to pay immediately |
| Policy expired | Re-subscribe as a new user (some eligibility conditions may reset) |
| Job title changed | Update employment details via your HR or MOHRE-linked system |
| Payment failure | Try another method or contact bank support |
Benefits of Renewing On Time
- Continuous access to compensation in case of job loss
- No disqualification for claims
- Peace of mind for you and your family
- Compliance with UAE labor policies
Frequently Asked Questions (FAQs)
Q: Can I renew my policy after switching jobs?
A: Yes, as long as your employment is still in the private or federal sector and your payments are up to date.
Q: Is renewal automatic?
A: No, you must manually renew through the ILOE portal, app, or authorized channels.
Q: Can I renew if I miss the due date?
A: Yes, but your coverage may lapse and you may be ineligible to claim for a certain period.
Conclusion
Renewing your ILOE insurance is a simple yet vital step to stay protected against unexpected job loss. Whether you’re in Category A or B, make sure to renew on time via the ILOE portal, app, or authorized centers.
Click here to renew now on the ILOE Portal: https://www.iloe.ae
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