Want to renew your ILOE (Involuntary Loss of Employment) insurance in the UAE? It is possible to do it online within several minutes through the official iloe.ae portal or the BOTIM application, or even in Al Ansari Exchange, Tasheel, or Tawjeeh centers. This guide can take you through all the techniques method by method, step by step, avoiding the mistakes and answering the frequently asked questions.
What is ILOE Insurance & Why Does It Matter?
In the UAE, ILOE insurance is mandatory for employees in both the public and the private sector. It provides financial security should you happen to lose your job to factors not within your control, such as downsizing or restructuring of your employer.
Why it’s important to renew
- Stays up-to-date with your coverage and does not get fined or get into legal troubles
- Gives you security to be able to earn your monthly salary even when you suddenly lose a job
- Required during visa renewal and MOHRE compliance
How to Renew ILOE Insurance Online
Here is the new and straightforward procedure for online renewal in 2025:
1. Visit the Official ILOE Insurance Website
- Open your preferred web browser and go to the official ILOE website: https://www.iloe.ae/.
- Use only the authentic site to prevent encountering fraudulent activities.
2. Click on “Subscribe/Renew Here”
- Begin your process by clicking on the “Subscribe/Renew Here” button, which appears on the homepage. The renewal option appears clearly visible for customer accessibility on the webpage.
- Use the button to move forward and access the renewal process.
Plans
3. Select Your Employment Category
The system asks you to define which job category matches yours. Select the one applicable to you:
- Private Sector Employee
- Federal Government Employee (Public Sector)
- Non-registered in MOHRE (Free-zone Workers)
4. Enter Required Details
To proceed with the renewal, you need to provide the following details:
- UID (Unified Identity Number) or Emirates ID Number
- UAE Mobile Number
- Date of Birth
Accurate entry of documentation details serves to prevent processing delays.
5. Log In or Register
Existing Users
- Users must access the system by entering their registered email address alongside their password.
- Use the “Forgot Password” tool to create new credentials whenever you forget your login information.
New Users
- You should click on the “Register” button if you need to create a new account.
- Open a new account through the required Emirates ID number along with mobile verification and your birthday information.
6. Renew Your Policy
- When you enter your account select your current policy from the main dashboard.
- For accurate policy review examine your insurance details.
- Click on the “Renew” or “Subscribe” from the menu to start the renewal process.
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7. Make the Payment
- After confirming your policy details, you’ll be redirected to a secure payment gateway.
- Enter your credit or debit card details to complete the payment.
- A second look at the transaction amount must occur before you make the last click.
8. Receive Confirmation
- A successful payment activates a confirmation display on the screen.
- Your renewed policy information will arrive through email and SMS to your device.
- Save your confirmation details for safekeeping among your other records.
Renew ILOE Insurance via the BOTIM App (Mobile)
Yup, now you can renew on your phone through BOTIM.
Here’s how
- Open the BOTIM app
- Navigate to ILOE Insurance
- Enter your Emirates ID, DOB, and mobile number
- Choose your plan and pay
- Get instant confirmation on your phone
Offline Renewal Options (If You Prefer Face-to-Face)
You can also renew in person if tech isn’t your thing:
Al Ansari Exchange
- Visit any branch
- Provide your Emirates ID
- Pay and receive instant confirmation
Tasheel / Tawjeeh Centers
- Ask for ILOE services
- Staff will assist you with the process
- Pay the fee and you’re good to go
Self-Service Kiosks
- Located in malls, metro stations, etc.
- Use a touchscreen to enter details
- Pay and print your confirmation
ILOE Renewal Cost Breakdown (2025)
| Employment Category | Monthly Cost | Yearly Fee |
|---|---|---|
| Private Sector (Category A) | AED 5 | AED 60 |
| Private Sector (Category B) | AED 10 | AED 120 |
| Federal/Public Employees | AED 5–10 | Varies |
| Free-Zone Workers | AED 10+ | Depends |
What If I Don’t Renew On Time?
- You can be fined (Up to AED 400)
- Your work visa file or labor file might be barred
- You forfeit the claim for compensation
Don’t wait. Feed before your ILOE runs out.
Tips for a Smooth Renewal Process
- Check Expiry Dates: Renew your policy before it expires to avoid lapses in coverage.
- Update Contact Details: Your successful policy renewal depends on keeping both your mobile contact and email details current so you can get essential notifications.
- Use Secure Payment Methods: Protect your financial information by renewing payments through approved secure payment gateways.
- Keep Records: For future reference conserve all emails which confirm new coverage and payment history documents.
FAQs About ILOE Insurance Renewal
1. What Happens If I Don’t Renew My ILOE Insurance?
Failure to renew your ILOE insurance can lead to penalties and loss of coverage, leaving you financially vulnerable in case of job loss.
2. Can I Upgrade My Policy During Renewal?
Yes, many users can opt for upgraded coverage during the renewal process. Review the options provided and choose the one that best fits your needs.
3. Is the Online Renewal Process Secure?
Absolutely. The official ILOE website uses encrypted connections and secure payment gateways to protect your personal and financial information.
4. How Much Does It Cost to Renew?
The renewal cost varies based on your employment category and coverage plan. You’ll see the exact amount during the payment step.
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Final Thoughts
Online renewal of your Involuntary Loss of Employment insurance in the UAE operates through a straightforward process. The steps outlined lead to sustained coverage while providing you with peace of mind throughout the process. Leading the renewal process requires prompt action together with compliance, although you must choose between online renewal or alternative methods. Renewing your ILOE insurance right now will establish immediate financial stability in your life.
