The Inclusive Life & Health Insurance (ILOE) scheme is a mandatory health insurance initiative introduced in the United Arab Emirates (UAE) to ensure that all residents, including expatriates and their dependents, have access to essential healthcare services. Launched by the UAE’s Insurance Authority (IA) in collaboration with the Ministry of Human Resources and Emiratization (MOHRE), ILOE aims to provide affordable and comprehensive medical coverage to employees in the private sector and free zones.

1. What is ILOE Insurance?

ILOE (Inclusive Life& Health Insurance) is a mandatory insurance policy for private sector employees and workers in the UAE who are not covered under their employer’s health insurance. It ensures that all workers, including low-income earners, have access to basic medical services.
Key Features are :

• Basic health insurance coverage for employees not covered by their employer.
• Life insurance component providing financial security to beneficiaries in case of death.
• Affordable premiums to ensure accessibility for all workers.
• Mandatory for companies that do not provide health insurance to their employees.

2. Who is Eligible for ILOE Insurance?

• ILOE insurance is designed for:
• Private sector employees whose employers do not provide health insurance.
• Workers in free zones without existing medical coverage.
• Low-income workers who cannot afford high-premium insurance plans.
• Dependents of employees (in some cases, depending on the policy).

Note: Employers are legally required to provide health insurance under UAE law. ILOE acts as a safety net for companies that fail to comply.

3. Coverage & Benefits of ILOE Insurance:

A. Health Insurance Coverage:

ILOE provides basic medical benefits, including:
Outpatient services (doctor consultations, diagnostics, and prescriptions).
Inpatient treatment (hospitalization and surgeries).
Emergency medical services
Maternity care (limited coverage).
Chronic disease management (subject to policy terms).

B. Life Insurance Coverage:

In case of the insured’s death, the policy provides:
• A lump-sum payout to the beneficiaries (family or dependents).
• Coverage for accidental death (additional benefits may apply).
C. Exclusions:
ILOE has certain limitations, such as:
• Cosmetic surgeries (non-essential treatments).
• Pre-existing conditions (may have waiting periods).
• Dental & vision care (unless included in enhanced plans).

4. Cost of ILOE Insurance:

The premium for  insurance is affordable and structured to accommodate low-income workers:

• Average cost: Between AED 500 – AED 1,200 per year (varies by insurer and coverage).
• Employer responsibility: Companies must bear the cost if they do not offer health insurance.
• Employee contribution: Some policies may require partial payment from the employee.

5. How to Apply for ILOE Insurance?

Employers can obtain insurance through:
1. Approved UAE insurance providers (Daman, ADNIC, Oman Insurance, etc.).
2. Online portals (via the IA or MOHRE websites).
3. Insurance brokers (registered with the UAE Insurance Authority).

Steps to Enroll:

1. Employer submits employee details (passport, visa, salary information).
2. Select an insurance provider and policy type.
3. Pay the premium and receive the insurance card.
4. Employees access healthcare at network hospitals and clinics.

6. Penalties for Non-Compliance:

Companies failing to provide health insurance face:

• Fines up to AED 500 per month per uninsured worker.
• Work permit renewals may be blocked.
• Legal action by MOHRE.

7. Conclusion:

The ILOE insurance scheme is a crucial initiative in the UAE to ensure all workers have access to healthcare and financial protection. While it offers basic coverage.It serves as a safety net for employees who would otherwise be uninsured. Employers must comply with UAE regulations by either providing standard health insurance or enrolling workers in ILOE.
For employees, understanding benefits, costs, and application process helps ensure they receive necessary medical care without financial strain.

Frequently Asked Questions (FAQs):

Q1: Is ILOE mandatory for all employees?
No, only for those whose employers do not provide health insurance.

Q2: Can an employee upgrade ILOE coverage?
Yes, some insurers offer enhanced plans at an additional cost.

Q3: Does ILOE cover pre-existing conditions?
Limited coverage, often with waiting periods.

Q4: How do I claim ILOE insurance benefits?
Present your insurance card at network hospitals/clinics.

Q5: Who pays for ILOE insurance?
The employer is responsible unless the employee opts for a voluntary top-up.

By understanding ILOE insurance, employees and employers can ensure compliance with UAE laws while securing essential healthcare benefits. For more details, visit the UAE Insurance Authority or MOHRE official websites.