How to Subscribe to ILOE Insurance

A Complete Guide: How to Subscribe to ILOE Insurance 

The Involuntary Loss of Employment (ILOE) insurance scheme is a mandatory requirement for all employees in the private sector who are sponsored by companies across all categories.

Failure to subscribe to ILOE on time or clear outstanding fines can lead to delays in visa processing, additional penalties, and non-compliance with MOHRE regulations. This article outlines a step-by-step guide to help sponsors, employers, and administrative staff correctly manage ILOE subscription and penalty payments.

Part 1: How to Subscribe and Pay for ILOE Insurance – Step-by-Step Process

Step 1: Visit the Official ILOE Insurance Portal

Go to: https://www.diniloe.ae/nsure/login/#/
You will be directed to the Nsure portal.

• Under “Individual,” select the "Private" category 

Step 2: Select the Login Method

Choose “OTP Login” on the SIGN IN page. You do not need a username or password. This allows you to authenticate using your mobile number.

Step 3: Enter Worker Details

You will be prompted to enter the following:

• U.I.D Number (Unified Identification Number found on the visa or entry permit)
• Mobile Number (registered UAE mobile number)
• Date of Birth (in DD/MM/YYYY format)

Then, click on “Request OTP.”

Step 4: Verify with OTP

An OTP (One-Time Password) will be sent to the provided mobile number.

• Enter the OTP in the box provided
• Click “Submit”

Step 5: Access the Dashboard

Once verified, you will be redirected to the individual’s ILOE dashboard where the system displays the worker's name and basic details.

Step 6: Choose the Insurance Plan

• Select “Two-Year Coverage” (this is generally preferred to avoid annual renewal hassles)
• Confirm the premium amount (typically AED 120–240 depending on category)

Step 7: Make the Payment

• Proceed to pay online using a valid debit/credit card.
• Ensure that the transaction is successfully processed.

Step 8: Receive the Certificate

After payment:

• Enter your Email Address when prompted
• The Certificate of Insurance will be sent to the email. This document may be required during residency visa stamping and file verification. 

✅ Final Checklist for Employees

• Entry Permit or UID number ready
• Registered mobile number for OTP
• Confirm no existing ILOE fines
• Choose two-year plan for cost-efficiency
• Email certificate to yourself or HR records
• Maintain proof of all transactions