MoHRE Insurance UAE: Complete Guide to Unemployment And Salary Protection in 2026
MoHRE Insurance UAE. One of the most important worker protection systems in the Emirates is the MoHRE Insurance UAE a program designed to secure your salary, health, and employment rights.
Whether you’re working in Dubai, Sharjah, or Ajman, this MoHRE Insurance Scheme ensures that employees and employers are financially protected through medical coverage, unemployment benefits, and domestic worker insurance. In this detailed guide, you’ll learn everything about MoHRE Insurance, the ILOE (Unemployment Insurance) Scheme, how to apply online, check fines, and more.
What Is MoHRE Insurance UAE?
The Ministry of Human Resources and Emiratization (MoHRE) has introduced an integrated insurance system to protect both employees and employers across the UAE. This system covers:
- Unemployment insurance (ILOE Scheme)
- Health insurance for private and domestic workers
- Salary protection and workplace benefits
The program was launched in collaboration with the Federal Authority for Identity, Citizenship, Customs and Port Security (ICP) and the Ministry of Health and Prevention (MoHAP).
Main goals:
- Protect workers’ health and income
- Reduce employer financial risks
- Promote fair labour standards across the UAE
MoHRE Health Insurance UAE (AED 320 Plan)
The MoHRE Health Insurance plan ensures that every employee and domestic worker has affordable access to healthcare services. This coverage became mandatory from 1 January 2025 for all private-sector and domestic workers in the northern Emirates (Sharjah, Ajman, Fujairah, Ras Al Khaimah, Umm Al Quwain).
Coverage Details
| Category | Coverage | Co-payment / Limit |
|---|---|---|
| Inpatient Care | Hospitalization & treatment | 20 % co-payment up to AED 500 per visit (max AED 1 000 / year) |
| Outpatient Care | Doctor consultations, lab tests | 25 % co-payment (max AED 100 / visit) |
| Follow-up Visit | Within 7 days | No co-payment |
| Medications | Prescribed drugs | 30 % co-payment (capped at AED 1 500 per year) |
| Premium Cost | Annual rate | AED 320 per person |
Employers are responsible for purchasing this health insurance when issuing or renewing residency permits through DubaiCare Network or any other approved provider.
MoHRE Unemployment Insurance
One of the most useful initiatives under MoHRE is the Involuntary Loss of Employment (ILOE) program also known as the Unemployment Insurance Scheme. It was introduced to provide financial support to employees who lose their jobs due to non-disciplinary reasons.
Key Highlights
- Name: Involuntary Loss of Employment (ILOE) Insurance
- Administered by: MoHRE & Dubai Insurance Company
- Eligibility: All UAE citizens and expatriates in the private and federal sectors
Monthly Contribution
| Salary Range | Monthly Premium | Annual Cost |
|---|---|---|
| AED 16 000 or below | AED 5 | AED 60 |
| Above AED 16 000 | AED 10 | AED 120 |
Benefits of ILOE Insurance
- Receive 60 % of your average salary for up to 3 months after job loss.
- Maximum payout: AED 20 000 per month.
- Helps you stay financially stable until new employment is secured.
- Fast and simple online claims through the official ILOE portal.
Eligibility Criteria
To qualify for unemployment benefits, you must:
- Have paid ILOE premiums for at least 12 months.
- Lose your job for non-disciplinary reasons.
- Be a legal resident with a valid work permit.
- Not be self-employed or a business owner.
How to Apply for MoHRE / ILOE Unemployment Insurance Online
Applying for ILOE Insurance is quick and completely online.
- Visit to official ILOE Quick Pay website.
- Select your category:
- Federal Government Employee or Private Sector Worker
- Enter your Emirates ID and mobile number.
- Verify with OTP and log into your dashboard.
- Select your plan (AED 5 or AED 10 per month).
- Make the payment online using debit/credit card.
- Download your ILOE certificate for proof of subscription.
Claiming Unemployment Benefit
- Submit the claim within 30 days of job loss.
- MoHRE reviews your request and verifies employment records.
- Payment is transferred within 2 weeks of approval.
MoHRE Insurance UAE Salary Protection
The salary protection component of MoHRE Insurance ensures workers receive their salaries on time even if their employer faces financial difficulty.
This is managed through the Wages Protection System (WPS), which tracks salary payments and flags any delays to MoHRE. If a company fails to pay, the worker can receive their dues from the insurance pool or through legal action supported by MoHRE.
Benefits for Workers
- Guaranteed salary security
- Protection against employer bankruptcy
- Access to legal assistance and MoHRE mediation
Benefits for Employers
- Compliance with labour laws
- Reduced liability and reputation protection
- Faster permit renewal and visa processing
MoHRE Domestic Workers Insurance
MoHRE also extends insurance coverage to household employees — nannies, drivers, cleaners, and other domestic staff.
Coverage Includes
- Up to AED 20 000 in case of unpaid wages or injuries
- 120 days of unpaid salary coverage
- End-of-service gratuity protection
- Medical & repatriation costs in case of accident or death
- Flight ticket coverage for absconding cases within the policy period
This program ensures domestic workers are treated fairly under Federal Law No. 10 of 2017 and employers remain legally compliant.
How to Check or Renew Your MoHRE Insurance Online
Both employees and employers can check their insurance status or renew coverage easily online.
Check MoHRE Insurance Status
- Visit the MoHRE Insurance Pool or DubaiCare Network website.
- Log in using your Emirates ID or Establishment Number.
- Click on “Check Insurance Status.”
- Your coverage details and expiry date will appear instantly.
Renew Your MoHRE Insurance
- Go to the official MoHRE portal.
- Select “Renew Insurance.”
- Confirm your plan type and coverage period.
- Pay securely via card or digital wallet.
- Download your updated certificate.
How to Check MoHRE or ILOE Insurance Fines Online
Failure to subscribe or renew your unemployment insurance can lead to fines. The current penalty for non-registration is AED 200, and for non-payment of premiums after registration is AED 200 additional.
- Visit to the www.iloe.ae website.
- Click on “Check Unemployment Insurance Status.”
- Enter your Emirates ID.
- If you have a pending fine, it will appear on the screen along with the reason and amount.
To avoid penalties, ensure you renew your policy on time and keep your payment records safe.
MoHRE Insurance UAE Reviews (Public Feedback)
As a blogger covering MoHRE services for two years, I’ve collected numerous experiences from workers and employers:
- Workers say the ILOE scheme gave them financial security after job loss and helped cover family expenses during transition.
- Employers appreciate how easy the online system is to use and how it reduces bank-guarantee burdens.
- Health insurance holders praise the AED 320 package for affordable access to clinics and pharmacies across the UAE.
Overall, the MoHRE Insurance UAE system receives positive feedback for its simplicity, transparency, and real impact on worker welfare.
MoHRE Insurance Types
| Type | Annual Cost | Eligibility | Key Benefits |
|---|---|---|---|
| Health Insurance | AED 320 | Private + Domestic Workers | Medical care, inpatient/outpatient cover |
| Unemployment (ILOE) | AED 60–120 | All private + federal workers | 60 % salary for 3 months after job loss |
| Domestic Workers Insurance | Based on contract | Maids, Drivers, Nannies | Wages recovery, medical & repatriation coverage |
Why Choose MoHRE Insurance UAE
- 100 % compliant with UAE labour laws
- Protects workers and employers equally
- Reduces medical and legal costs
- Transparent and affordable plans
- Promotes financial and social security
“MoHRE Insurance isn’t just a legal requirement it’s a lifeline for employees and employers alike.”
FAQs About MoHRE Insurance UAE
What is MoHRE Insurance UAE?
Ans: It is a government-approved insurance system that provides health, salary, and unemployment coverage to workers and employers across the UAE.
How can I apply for MoHRE Unemployment Insurance (ILOE)?
Ans: Visit ILOE Quick Pay, select your category, enter your Emirates ID, verify with OTP, choose your plan, and make the payment online.
What is the cost of MoHRE Health Insurance?
Ans: The basic package costs AED 320 per year and covers inpatient, outpatient, and medication expenses with low co-payments.
What happens if I don’t subscribe to ILOE Insurance?
Ans: A fine of AED 200 is imposed for non-subscription and AED 200 more for non-payment after registration.
Can employers renew MoHRE Insurance online?
Ans: Yes, they can renew via the official MoHRE portal, Insurance Pool, or DubaiCare Network using Emirates ID or establishment credentials.
Conclusion
The MoHRE Insurance UAE system is a milestone in the country’s journey toward fair labour practices and worker welfare. Through programs like Health Insurance, ILOE Unemployment Insurance, and Domestic Worker Protection, it ensures that every worker has financial security and medical support when needed.
