Dic Mohre Dubai Insurance: Protect Your Salary & Financial Security

Dubai employees now have access to a government-backed safety net through Dic Mohre Dubai Insurance, managed by Dubai Insurance Company (DIC) under MOHRE. This program, which includes the ILOE (Involuntary Loss of Employment) scheme, ensures employees can receive monthly compensation if they lose their job involuntarily. Whether you are working in the private sector, domestic services, or free zones, Dic Mohre Dubai protects your financial well-being.

Check Your Dic Mohre Payment Today – Access your Dic Mohre login, track MOHRE labour payments online, and ensure your rights are secured.

Dic Mohre is a government-approved program aimed at safeguarding employees against financial loss due to involuntary unemployment. It is part of the broader Workers Protection Program (WPP) administered by MOHRE and handled by the DIC insurance pool Payment system.

The program works as a financial safety net for employees whose employers fail to pay wages or whose employment ends through no fault of their own. This coverage applies to:

• Private sector employees
• Domestic workers
• Free zone workers registered under MOHRE

By subscribing to DicMohre Dubai Insurance, employees can focus on finding a new job without immediate financial stress, while ensuring compliance with UAE labour laws.

1- Who Can Subscribe?

Eligibility for Dic Mohre Dubai Insurance includes:

• UAE residents with legal employment status
• Employees with a valid MOHRE labour contract
• Individuals over 18 years old
• Excludes investors in their own company, domestic workers in certain categories, temporary-contract workers, juveniles under 18, and retirees receiving a pension

2- Subscription Details & Premiums

• Employees earning up to AED 16,000: AED 5 per month (AED 60 per year)
• Employees earning above AED 16,000: AED 10 per month (AED 120 per year)

Employers may pay premiums on behalf of employees, but this is optional.

3- How to Subscribe

Employees can subscribe through:

• Dic Mohre login via the Dubai Insurance website or mobile app
• MOHRE service centers, including Tasheel and Tawjeeh
• Banks, exchange houses, and UPAY kiosks

4- Penalties for Non-Subscription

• AED 400 fine for failing to subscribe on time
• AED 200 extra if premiums remain unpaid for more than 90 days

Timely subscription ensures uninterrupted coverage and eligibility for ILOE compensation.

DIC MOHRE Insurance is a financial guarantee scheme regulated by the Ministry of Human Resources and Emiratisation (MOHRE) and managed through the Dubai Insurance Company (DIC). It serves as an alternative to the traditional bank guarantee, allowing employers to fulfill their obligations towards employees’ end-of-service benefits, salaries, and other labour law commitments.

Step-by-Step Explanation

1. Employer Registration: Companies register for DIC MOHRE Insurance through the DIC portal, providing basic company details and employee count.
2. Coverage Selection: Employers choose a coverage plan based on workforce size, contract types, and risk exposure.
3. Premium Calculation: DIC calculates the insurance premium based on salary totals, employee category, and contract duration.
4. Policy Issuance: Upon payment, DIC issues the insurance certificate, officially recognized by MOHRE.
5. Compliance & Claim Process: In case of employee disputes, salary delays, or end-of-service claims, the insurance acts as a financial guarantee, protecting both employees and employers under UAE labour law.

Authority: MOHRE + DIC jointly regulate and supervise the process, ensuring legal compliance and operational efficiency.

Companies

• All private sector companies in the mainland UAE are seeking MOHRE labour law compliance.
• Companies are looking for a fast, flexible alternative to bank guarantees.

Free Zone vs Mainland

• Free Zone Companies: Most free zones have their own guarantees or insurance options; DIC MOHRE Insurance is optional but sometimes recommended for local labour law compliance.
• Mainland Companies: Mandatory for certain workforce sizes and contract types; ensures end-of-service obligations are met without traditional banking constraints.

Employees

• Indirect beneficiaries. Employees are guaranteed protection for their salaries, gratuity, and contract rights under MOHRE.

Feature	DIC MOHRE Insurance	Traditional Bank Guarantee
Cost	Premium-based, flexible	Fixed bank fees, often higher
Setup Time	Quick online issuance	Longer due to banking procedures
Accessibility	Managed via DIC portal, MOHRE-recognized	Bank-dependent
Risk Coverage	End-of-service, salary claims, contract disputes	Only financial guarantee
Renewal	Annual or per contract	Fixed bank fees are often higher

Benefits:

• Faster setup than bank guarantees
• Lower upfront capital required
• Employee protection is ensured under the UAE labour law
• Digital tracking and policy issuance through the MOHRE-approved system

Validity Period

• Standard policy duration: 12 months for most companies.
• Coverage aligns with employee contracts; it can be short-term or project-based.
• Policy validity is linked to the employee list submitted at issuance.

Renewal Process

1. Early Notification: DIC notifies the employer 30–60 days before policy expiry.
2. Employee Update: Update employee list, salaries, or new hires.
3. Premium Calculation & Payment: DIC recalculates premiums based on updated data.
4. Policy Re-Issuance: New certificate issued and registered with MOHRE.

Tip: Renewal must be completed before expiry to maintain continuous compliance.

• Delayed or missing insurance: AED 5,000–10,000 fine per violation.
• Employee claims without coverage: Employers may face legal disputes and additional financial penalties.
• Repeated violations: Can lead to MOHRE blacklisting or restrictions on hiring foreign employees.

Ensuring timely DIC MOHRE insurance prevents fines, reputational damage, and compliance risks.

Scenario: A mainland UAE construction company hired 120 employees for a 6-month project. They opted for DIC MOHRE Insurance instead of a bank guarantee.

• Action Taken: Registered the company with DIC, uploaded the employee list, and paid the calculated premium.
• Outcome: Within 48 hours, the policy was issued and registered with MOHRE.
• Result: One employee resigned during the project. DIC ensured end-of-service benefits were paid on time, avoiding any MOHRE fines.
• Benefit: The company saved over AED 150,000 in upfront capital that would have been tied up with a traditional bank guarantee.

Step-by-Step Process

1. Company Registration: Log in to the DIC portal and provide the company and MOHRE details.
2. Select Coverage: Input employee numbers, salaries, and contract types.
3. Premium Calculation: DIC generates a quote based on submitted data.
4. Payment: Make payment through approved online channels.
5. Policy Issuance: Receive an official MOHRE-recognized insurance certificate.
6. Monitoring & Compliance: Track employee coverage and expiry dates through the DIC portal.

Required Documents

• Company trade license copy
• MOHRE establishment card
• Employee list with salaries and contract types
• Emirates ID copies (if requested)
• Payment confirmation for insurance premium

1- What is ILOE?

ILOE protects employees who lose their jobs involuntarily, meaning the termination is not due to resignation, misconduct, or strikes. This coverage is a key feature of Dic Mohre Dubai Insurance.

2- How ILOE Works

• Employers contribute to the Dic Mohre pool to ensure funds for eligible employees
• Employees submit claims through DIC insurance portals
• Compensation equals 60% of the average basic salary over the previous six months

3- Step-by-Step Guide to Claiming ILOE Benefits

1. Check Eligibility – Must have 12 consecutive months of subscription
2. Prepare Required Documents – Emirates ID, MOHRE labour contract, termination letter, and other supporting documents
3. Submit Claim – Via Dic Mohre login on Dubai Insurance website, mobile app, or MOHRE service center
4. Verification – MOHRE confirms employment status and subscription continuity
5. Receive Payment – Monthly compensation is deposited into your bank account within two weeks

4- Compensation Limits

• Salary up to AED 16,000: Maximum AED 10,000 per month
• Salary above AED 16,000: Maximum AED 20,000 per month
• Payment duration: Up to 3 consecutive months per claim
• Lifetime cumulative benefit: Maximum 12 months
• Payments stop immediately if the employee starts a new job during the compensation period

1- How Payments Are Calculated

• The average basic salary over the last six months is used to calculate the monthly compensation
• Employees receive 60% of their average basic salary per month
• The maximum cap is determined by the salary band

2- Payment Channels & Tracking

• Track Dic Mohre Dubai Insurance payment through:
  • MOHRE Smart Tasheel portal
  • Dubai Insurance official website and mobile app (Dic Mohre login)
• Transparent tracking ensures timely compensation and reduces delays

1- Financial Security

• Provides a safety net during involuntary unemployment, helping employees maintain a reasonable standard of living.

2- Compliance & Trust

• Ensures adherence to UAE labour laws
• Builds trust between the employer and the employee

3- Health & Well-Being

• Some coverage extends to workplace injuries
• Domestic workers have specific protections

4- Ease of Access

• Submit claims and track payments through Dic Mohre login, mobile apps, or service centers

1- Employees in Free Zones

• Free zones have unique employment rules, but collaborate with MOHRE for ILOE benefits
• Employees can submit claims and track Dic Mohre Dubai Insurance payment online

2- Domestic Workers Insurance

• Protection against unpaid salaries
• Coverage for workplace injuries
• Health insurance and medical benefits
• Employers must register domestic workers under MOHRE

Method	Details
MOHRE Hotline	+971-800-60
Email	claims@iloe.com
Smart Tasheel Portal	www.mohre.gov.ae
DIC Insurance Contact	Available 24/7

Employees can contact support for MOHRE enquiries, claim guidance, and Dic Mohre payment online tracking.

1. Visit the DIC insurance portal or the MOHRE Smart Tasheel
2. Log in using Emirates ID and account credentials (Dic Mohre login)
3. Navigate to the ILOE or insurance section
4. Check the monthly Dic Mohre payment, claim history, and payment status

Regular monitoring ensures employees are aware of pending payments and claim deadlines.

Dic Mohre Dubai Insurance is a complete employee protection system for workers in the UAE. By subscribing and actively monitoring your Dic Mohre payment, employees gain:

• Salary security through ILOE compensation
• Compliance with MOHRE labour contract regulations
• Easy online access via Dic Mohre login for claims and payment tracking
• Peace of mind for private sector employees, domestic workers, and free zone staff

Protect your rights and secure your financial future today with Dic Mohre Dubai Insurance. Check your payments, submit claims, and track updates through the official MOHRE and DIC portals.