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UPDATED MAY 15, 2026Toku provides employer-sponsored health insurance in the United Arab Emirates to support employees’ healthcare needs. Coverage is provided through Sukoon Insurance PJSC, with international administration by Bupa Global, and includes inpatient, outpatient, maternity, dental, optical, and emergency benefits.
A detailed Schedule of Benefits is available here.
The Signature+ Medcare network clinics list is available here.
Summary of UAE Health Insurance (Sukoon / Bupa Global)
Toku partners with Sukoon Insurance PJSC, administered internationally by Bupa Global, to provide comprehensive medical coverage for employees in the UAE.
Plan Sponsorship & Premiums
- Employee coverage is fully sponsored by Toku
- Dependent coverage availability and cost may vary
- Annual premium rates by age are available here
Understanding Your Premium & Billing
Premiums for this plan are age-banded, meaning the annual rate is determined by the covered person's age at the time of enrollment. You can find the full schedule of rates by age in the table linked above.
Premiums - Annual
A few things to keep in mind:
- Toku fully covers the cost of employee coverage - there is no premium deducted from your paycheck for your own plan.
- When you are added to the policy, please note that the employer is typically billed one month after enrollment is processed. This is a standard part of how the insurer administers the plan, so there may be a short delay between your coverage start date and when the premium is invoiced to Toku.
- This billing lag is expected and does not affect the start of your coverage - you are covered from your enrollment effective date.
- Any dependent costs will be deducted from your payroll to recoup the full invoice amount. If you have any questions about your rate or when your coverage begins, reach out to [email protected].
Eligibility & Enrollment
For dependent eligibility questions, contact [email protected].
How to Use Your Health Coverage
- Coverage is provided through the Sukoon / Bupa Global network
- Certain services require pre-authorization
- Claims and approvals can be managed via Sukoon or Bayzat
- For claims & pre-authorization, contact Sukoon via sukoon.com/bupaglobal/membersworld or call +971 4 2337777. 🌐 Member portal: http://sukoon.com/bupaglobal/membersworld
Bayzat - UAE Benefits Support
Toku partners with Bayzat, the local UAE broker, to provide ongoing support and digital access to healthcare services.
What Bayzat Can Help With
- View & manage benefits via portal
- Online doctor consultations:
- Connect with a doctor in 3 - 4 minutes
- Claims submission & tracking:
- Online pharmacy:
- Medicines delivered without prior approvals
- Employee perks & discounts:
Summary of Covered Services
The sections below provide an overview of coverage by service type. Specific limits and conditions apply as outlined in the policy schedule.
Pre-existing conditions are covered with no waiting period. This means that any medical conditions that existed before the start of the policy are included in the coverage from day one.
Hospital & In-Patient Coverage
- Hospital Accommodation: Standard private room, fully covered
- Surgery & Anesthesia: Fully covered (including pre- and post-operative care)
- Intensive Care Unit (ICU): Fully covered when medically necessary
- Maternity Coverage:
- Up to AED 10,000 per delivery
- Higher limits apply for C-sections
- Cancer Treatment: Fully covered (chemotherapy and radiotherapy) Pre-authorization is required for hospital admissions lasting 5 or more nights.
Out-Patient & Specialist Care
- Doctor Consultations:
- 80% covered
- 20% co-insurance (capped at AED 50 per visit)
- Diagnostics & Imaging: Fully covered (X-ray, MRI, CT scans)
- Prescribed Medication: Up to AED 36,725 per year
- Physiotherapy: Up to 15 sessions per year
- Mental Health (Outpatient): Up to AED 31,217 per year Follow-up visits within 7 days at the same provider are free.
Dental & Optical Coverage
- Preventive Dental Care: 100% covered
- Check-ups, cleanings, X-rays
- Routine & Major Dental Treatments:
- 80% covered (fillings, extractions, root canals)
- Orthodontics:
- 50% covered up to age 19
- Optical Care:
- Eye exams and prescription glasses up to AED 1,562 per year
Emergency, Evacuation & Ambulance
- Emergency Medical Treatment (UAE): Fully covered
- Emergency Treatment Outside UAE:
- Up to AED 550,875 per year (excluding the U.S.)
- Medical Evacuation: Fully covered to the nearest appropriate facility
- Local Ambulance Services: Fully covered Sukoon must be informed within 48 hours of emergency hospital admission.
Additional Benefits
- Annual Wellness Screenings:
- Up to AED 1,837 (mammogram, PAP test, prostate screening)
- Vaccinations: Up to AED 625 per year
- Newborn Coverage: Fully covered for the first 30 days
- Chronic Conditions: Fully covered (e.g., diabetes, hypertension)
- Employee Assistance Program:
- Bupa LifeWorks confidential counseling and support services
Important Notice: Involuntary Loss of Employment (ILOE) Insurance
⚠️ ILOE is a mandatory UAE federal insurance scheme that is separate from Toku's health benefits. It is NOT administered, sponsored, or enrolled by Toku. Each employee is personally responsible for subscribing and paying premiums directly to the ILOE scheme. Toku is including this notice to confirm that we have notified you of this obligation so you can complete enrollment and avoid government penalties.
What ILOE Is
The Involuntary Loss of Employment (ILOE) insurance scheme is a federal program required of all private sector employees working in the UAE - including employees engaged through an Employer of Record like Toku. It provides a cash benefit if you lose your job involuntarily, equal to up to 60% of your basic salary (subject to a cap) for up to 3 months, provided subscription and contribution requirements have been met.
Who Must Register
All UAE private sector employees, regardless of nationality. This includes every employee employed through Toku in the UAE.
Premium Tiers (paid by the employee, not by Toku)
- Category A — Basic salary of AED 16,000 or less: AED 5/month (AED 60/year). Maximum benefit AED 10,000/month.
- Category B — Basic salary above AED 16,000: AED 10/month (AED 120/year). Maximum benefit AED 20,000/month. Premiums can be paid monthly, quarterly, semi-annually, or annually.
How to Enroll
Employees can subscribe through any of the following channels:
- ILOE website: https://www.iloe.ae
- ILOE mobile app (iOS and Android)
- Bank ATMs and kiosks
- Business service centers, money exchange houses, and du/etisalat outlets
- SMS (for select telecom providers) What to have ready: Emirates ID and a UAE mobile number.
Deadlines & Penalties
- Employees must subscribe within the timelines set by the Ministry of Human Resources and Emiratisation (MOHRE) after starting employment. Failure to subscribe results in a AED 400 fine.
- Failure to keep premiums current for more than 3 months results in an additional AED 200 fine. Unpaid amounts may be deducted from wages or end-of-service benefits.
Toku's Notification Confirmation
By publishing this notice in our employee knowledge base and including ILOE instructions in the UAE onboarding email sent to every new joiner, Toku confirms that all UAE employees have been formally notified of the ILOE registration requirement at the start of employment. ILOE is not part of the benefits package Toku offers and is not administered by Toku - employees remain personally responsible for enrollment, premium payment, and compliance with MOHRE requirements.
For official information, ILOE-specific questions, or registration support, please refer to https://www.iloe.ae or contact the ILOE administrator directly. Toku is not the administrator of this scheme and cannot enroll employees on their behalf.
💬 Have Questions? Reach out to [email protected]