MoHRE Insurance UAE – Secure Protection for Every Worker and Employer
The Ministry of Human Resources and Emiratization (MoHRE) offers an integrated insurance system that protects workers, employers, and their families across the UAE. From health coverage and unemployment protection to domestic worker insurance, MoHRE ensures financial stability and access to essential care.
These government-approved programs safeguard the workforce, reduce employer liabilities, and strengthen the UAE’s commitment to fair labour practices. Whether you are an employer in Dubai, a worker in Sharjah, or a domestic employee in Ajman, MoHRE Insurance keeps you covered.
About the MoHRE Insurance Scheme
The MoHRE Insurance Scheme was introduced under a UAE Cabinet resolution to extend comprehensive protection to workers in the private and domestic sectors. The program is implemented in partnership with the Federal Authority for Identity, Citizenship, Customs, and Port Security, and the Ministry of Health and Prevention.
This unified approach ensures that every worker has access to fair insurance coverage, medical care, and financial protection. Employers can manage their MoHRE insurance payment, renew policies, or check coverage status online through the official MoHRE Insurance Pool or DubaiCare Network.
Purpose of the Scheme:
- To protect workers’ health and income
- To reduce the financial burden on employers
- To promote a competitive and compliant labour market
MoHRE Health Insurance – Comprehensive Medical Protection
The MoHRE Health Insurance program provides affordable and reliable medical coverage for workers not covered by any existing plan. At just AED 320 per year, this policy offers protection for individuals aged 1 to 64 years with access to UAE-wide medical services.
Coverage includes:
- Inpatient care with a 20% co-payment (capped at AED 500 per visit)
- Outpatient care with a 25% co-payment (maximum AED 100 per visit)
- Medications up to AED 1,500 annually
- Access to 7 hospitals, 46 clinics, and 45 pharmacies
Employers can pay MoHRE insurance online, renew plans, or extend coverage to dependents through the DubaiCare Network.
MoHRE Unemployment Insurance – The ILOE Scheme
The MoHRE Unemployment Insurance, also known as the Involuntary Loss of Employment (ILOE) Scheme, provides income protection to employees who lose their jobs for non-disciplinary reasons.
Under this plan:
- Workers earning AED 16,000 or less contribute AED 5 per month
- Workers earning above that pay AED 10 per month
- Compensation is paid for up to 3 months, with a maximum of AED 20,000 per month
This policy supports financial stability during transitions, ensuring no worker is left without income support. Employees can check their MoHRE insurance fine, verify coverage, or submit unemployment claims through official MoHRE channels.
Domestic Workers Insurance – Protection for Every Household Helper
The Domestic Workers Insurance program, launched under MoHRE supervision, secures the rights and benefits of registered household staff. The plan provides coverage of up to AED 20,000 in case of unpaid wages, injuries, or repatriation needs.
It includes:
- Up to 120 days of unpaid wages
- End of service gratuity
- Medical and repatriation costs in case of injury or death
- Flight tickets for absconding cases reported within the coverage period
Employers benefit from legal compliance and reduced financial risks, while workers receive guaranteed protection of their rights under Federal Law No. 10 of 2017.
How to Check or Renew Your MoHRE Insurance
Managing your policy is simple. Use the MoHRE insurance check tool online to verify your coverage, download certificates, or renew expired insurance. Both employers and employees can access their policy details via the Insurance Pool portal, the DubaiCare app, or MoHRE service centers across the UAE.
Steps to renew:
- Visit the official Insurance Pool website
- Log in using your Emirates ID or establishment number
- Select “Renew Insurance”
- Complete MoHRE insurance payment securely online
Why Choose MoHRE Insurance?
- Complies with all UAE labour laws
- Protects both employers and employees
- Reduces medical and legal expenses
- Offers fair, transparent coverage terms
- Strengthens workplace welfare and safety
With MoHRE Insurance, your compliance becomes protection, and your protection builds a stronger workforce.
Need Assistance? Contact MoHRE
For any inquiries related to MoHRE insurance fines, policy renewals, or document verification, contact the MoHRE call center or visit your nearest TASHEEL or service center.
- MoHRE Helpline: 80084
- Website: www.mohre.gov.ae
Frequently Asked Questions
What does MoHRE do?
MoHRE manages labour policies, protects workers’ rights, and oversees insurance and employment programs in the UAE.
How much does UAE unemployment insurance cost?
AED 5 per month for workers earning up to AED 16,000 and AED 10 per month for higher salaries.
Which insurance is mandatory in the UAE?
Health insurance for private and domestic workers is mandatory under the MoHRE Health Insurance Scheme.
What is ILOE insurance in the UAE?
ILOE is the “Involuntary Loss of Employment” insurance that provides financial aid to eligible workers after job loss.
Who is exempted from ILOE insurance?
Domestic workers, temporary contract workers, investors, and juveniles under 18 years old.
What insurance do I need if I lose my job?
You need the MoHRE unemployment insurance (ILOE) to receive financial support for up to three months.
Final Thoughts
The MoHRE Insurance UAE system reflects the country’s commitment to worker welfare, employer protection, and a balanced labour market. Through its range of programs — from health coverage and unemployment insurance to domestic worker protection — MoHRE ensures that every individual working in the UAE is supported by a reliable safety net.
Employers gain compliance and cost efficiency, while workers gain stability, medical care, and peace of mind. Whether you’re managing a business or supporting your family through employment, MoHRE Insurance stands as a trusted partner in safeguarding your rights, your income, and your well-being.
With transparent policies, affordable plans, and nationwide coverage, MoHRE continues to strengthen the foundation of the UAE labour market — where protection, opportunity, and dignity go hand in hand.