ILOE, health insurance and other rules employers ask about
Every private-sector employee, free zone staff included, has to hold ILOE cover. It costs the employee AED 5 or AED 10 a month, set by basic salary band, and anyone who fails to subscribe faces an AED 400 fine. Business owners who are investors in their own company, and domestic workers, are exempt. The duty sits with the employee, yet a quick check at onboarding saves trouble later, and we confirm the scheme's current rules because they have been updated since launch.
Health cover is the other employer duty that often catches companies out. Dubai makes employers insure their staff, and the Dubai Health Authority (DHA) can impose a fine of AED 500 per person for every month an employee goes without cover. Employers in Sharjah and the Northern Emirates have had to provide and pay for health insurance since 1 January 2025. Our insurance services page explains how we help you arrange it.