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How to Subscribe to mandatory Unemployment Insurance Scheme in the UAE

There are several ways to enroll in the mandatory Unemployment Insurance Scheme in the UAE, if you have not already done so. The scheme, known as Involuntary Loss of Employment (ILOE), offers financial support to employees who lose their jobs for reasons other than disciplinary action or resignation, until they secure a new job. The scheme has been in effect since January 1, 2023.

THE TWO CATEGORIES FOR ENROLLING IN THE SCHEME

Category A:
• Employees who are earning a basic salary of Dh16,000 or less.
• Insurance cost: Dh5 per month (or Dh60 annually)
• Monthly compensation: 60 per cent of your basic salary, up to Dh10,000

Category B:
• Employees earning Dh16,000 and above
• Insurance cost: Dh10 (or Dh120 annually)
• Monthly compensation: 60 per cent of your basic salary, up to Dh20,000

Signing up for the Involuntary Loss of Employment (ILOE) scheme is hassle-free and can be done online or in person at various locations such as money exchange houses, kiosks, and service centres located across the UAE.

Apply for Unemployment Insurance Scheme in the UAE via MOHRE

Online registration: You can visit the Ministry of Human Resources and Emiratisation (MOHRE) website and register online. You will need to create an account, fill in your personal information, and upload the necessary documents.
Service centers: You can visit any of the MOHRE service centers across the UAE to register for the scheme. You will need to provide your Emirates ID and other relevant documents.
Smart kiosks: You can use the MOHRE smart kiosks located in shopping malls, government buildings, and other public places across the UAE. You will need to bring your Emirates ID and other documents.
Mobile app: You can download the MOHRE app on your smartphone and register for the scheme. You will need to create an account, provide your personal information, and upload the required documents.
Call center: You can call the MOHRE call center on 800-60 to register for the scheme. You will need to provide your personal information and other details over the phone.

Apply for Unemployment Insurance Scheme in the UAE via ILOE

Applying for the unemployment insurance scheme is simple and can be done directly through the ILOE portal or mobile application, available on both Apple and Android devices. It is worth noting that there is no charge for signing up for the unemployment insurance plan through the ILOE website or app. The Dubai Insurance company manages the ILOE Insurance Pool and operates both the website and app.

Apply for Unemployment Insurance Scheme in the UAE via Exchange Center

Here are the steps to subscribe to the ILOE insurance scheme through Al Ansari Exchange:

Visit one of the Al Ansari Exchange branches.
Provide your Emirates ID.
Give your mobile number.
Ask for the ILOE insurance form.
Choose your policy period – either one or two years.
Select your payment option from the available options: monthly, quarterly, semi-annual or annual.
Make the payment to enroll in the scheme.
Receive a receipt confirming your payment and enrollment in the scheme.

That’s it! You are now subscribed to the ILOE insurance scheme through Al Ansari Exchange.

Apply for Unemployment Insurance Scheme in the UAE via Kiosks

If you’re looking to subscribe to the ILOE scheme, you can also do so through kiosk machines. The two official payment service providers for this scheme in the UAE are MBME Pay and uPay. These kiosks are widely available across the country, and you can easily locate them by searching for ‘MBME Pay’ or ‘uPay’ kiosks on a map application on your smartphone.

Visit www.iloe.ae to find your nearest kiosk

Apply for Unemployment Insurance Scheme in the UAE via ATMs and Apps

Currently, you have the option to sign up for the ILOE scheme through the C3Pay app and card. C3Pay is authorized by the Central Bank of the UAE as a WPS (Wage Protection System) agent. If you have a C3Pay account or card, you can directly enroll in the ILOE insurance plan through the “C3Pay” mobile application, which is available on both Apple and Android devices. Alternatively, you can visit a C3Pay ATM to complete the registration process.

Apply for Unemployment Insurance Scheme in the UAE via Tawjeeh and Tasheel Centres

Another way to subscribe to the ILOE scheme is by visiting a Tawjeeh or Tasheel service centre. These centres are overseen by the Ministry of Human Resources and Emiritisation (MOHRE), and offer various labour-related services to both employers and employees in the private sector.

In order to register for the scheme at one of these centres, you will need to present your Emirates ID and provide your mobile number.

To locate a MOHRE service centre in your vicinity, you can visit their official website at https://www.mohre.gov.ae/en/services/approved-services-centers.aspx.

Can employers sign up workers for the Unemployment Insurance scheme?

If you are an employer, you have the option to register your employees for the ILOE insurance scheme. However, it is important to note that you can only sign them up for the scheme if there is mutual agreement between you and your employees. Also, according to the Federal Decree-Law No. 13 of 2022, the cost of the insurance policy needs to be covered by the employee.

How much does the Unemployment Insurance Scheme cost?

The Ministry of Human Resources and Emiritisation (MOHRE) states that the unemployment insurance scheme compensates employees at a rate of 60% of their basic salary on a monthly basis. The compensation is provided for a maximum of three months from the date of unemployment.

What is the Fine for failing to subscribe to ILOE?

If you fail to subscribe to the scheme once the deadline has passed, a fine of Dh400 will be imposed.

What happens if i miss my installements?

If you fail to pay the insurance premiums according to the selected payment frequency, the insurance certificate will be canceled and a penalty of Dh200 will be imposed.

Is unemployment insurance mandatory in the UAE?

Yes, as of January 1, 2023, it is mandatory for all private sector employees in the UAE to be covered by the Involuntary Loss of Employment (ILOE) insurance scheme, which provides financial security to employees who lose their job due to reasons other than disciplinary action or resignation.

What is new unemployment insurance scheme in the UAE?

The new unemployment insurance scheme in the UAE is the Involuntary Loss of Employment (ILOE) insurance scheme, which provides financial security to employees who lose their job due to reasons other than disciplinary action or resignation, until they find a new job. The scheme was introduced on January 1, 2023 and is mandatory for all private sector employees in the UAE.

How much is unemployment insurance in UAE?

The cost of the ILOE insurance scheme varies depending on the policy period and payment option selected by the employee. However, as per Federal Decree-Law No. 13 of 2022, the cost of the insurance needs to be borne by the employee.

Who will pay the unemployment insurance in UAE?

As per Federal Decree-Law No. 13 of 2022, the cost of the ILOE insurance needs to be borne by the employee. However, employers have the option to enrol their employees in the insurance policy, provided there is a mutual agreement between the parties.

What is ILOE in UAE?

ILOE stands for Involuntary Loss of Employment and refers to the mandatory insurance scheme introduced in the UAE on January 1, 2023, that provides financial security to employees who lose their job due to reasons other than disciplinary action or resignation, until they find a new job.