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UPDATED JUL 7, 2026💡 What to expect for employee benefits when you hire in the UAE through Toku. UAE employees receive comprehensive private health insurance fully sponsored by Toku, plus a mandatory government unemployment insurance scheme that employees subscribe to personally.
At a Glance
| Item | Detail |
|---|---|
| Health insurance | Sukoon Insurance (administered internationally by Bupa Global) |
| Plan | DUBAI Business Select Health Plan |
| Employee cost | AED 0 - employee coverage fully sponsored by Toku |
| Dependents | Available; cost deducted from employee payroll |
| Premiums | Age-banded, annual, per covered person (e.g., ~$4,760/yr at age 25, ~$5,796/yr at 40) |
| Pre-existing conditions | Covered from day one, no waiting period |
| ILOE unemployment insurance | Mandatory, employee-subscribed (AED 5 - 10/month) |
Health Insurance Through Toku: Sukoon / Bupa Global
Coverage highlights:
- Inpatient: private room fully covered; surgery, ICU, and cancer treatment fully covered; maternity up to AED 10,000 per delivery (higher for C-sections).
- Outpatient: consultations at 80% (20% co-insurance capped at AED 50/visit); diagnostics fully covered; medication up to AED 36,725/year; physiotherapy up to 15 sessions/year; mental health up to AED 31,217/year.
- Dental: preventive 100%; routine and major treatment 80%; orthodontics 50% up to age 19. Optical: exams and glasses up to AED 1,562/year.
- Emergency: fully covered in the UAE; outside the UAE up to AED 550,875/year (excluding the U.S.); evacuation and ambulance fully covered.
- Extras: wellness screenings up to AED 1,837; vaccinations up to AED 625/year; newborns fully covered for the first 30 days; chronic conditions fully covered; EAP included. Employees manage claims, online doctor consultations, and pharmacy delivery through the Bayzat platform.
Costs & Who Pays
Employee coverage is fully sponsored by Toku and billed to the client. Premiums are age-banded, annual, in USD per covered person - indicative points: age 25 ≈ $4,761; age 30 ≈ $5,009; age 40 ≈ $5,796; age 50 ≈ $7,034; age 60 ≈ $11,651. Dependent coverage is available, with the cost deducted from the employee's payroll. Billing typically lands one month after enrollment is processed, without affecting the coverage start date.
Mandatory ILOE Unemployment Insurance (Employee-Owned)
The UAE's Involuntary Loss of Employment (ILOE) scheme is mandatory for all private-sector employees, including EOR employees - but employees subscribe and pay personally (Toku notifies them at onboarding but doesn't administer it). Premiums: AED 5/month for basic salary up to AED 16,000; AED 10/month above that. Benefit: up to 60% of basic salary for up to 3 months. Fines for non-enrollment (from AED 400) fall on the employee. Enrollment: iloe.ae.
A Note on Global Plans
UAE residents can't be covered by Toku's global SafetyWing Remote Health plan - the Sukoon/Bupa plan is the health insurance route for UAE hires.
Last verified July 2026. This guide is for general information and doesn't constitute legal or tax advice. Questions? Contact [email protected].