☎ Al Karam +971 56 123 1923 · Dar Al Karam +971 50 982 5263 ✉ info@alkaramconsultancy.com · Serving all UAE from Sharjah
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Insurance & Individual Services

Medical Insurance & ILOE (Job-Loss Insurance)

Visa-compliant health plans compared across providers, plus mandatory ILOE registration.

Quick answer: Health insurance is mandatory for UAE residence visas — employees, dependents and investors all need a compliant plan before stamping. Al Karam compares plans across providers (Oriental, Fujairah, Al Buhaira and others), issues the policy that satisfies your visa requirement at the best rate, and registers the mandatory ILOE job-loss insurance for employees.

Every residence visa file we process needs insurance, so we've built direct relationships with the major providers used for visa-compliant plans. Instead of taking whatever one agent offers, you get a comparison — basic visa-compliant plans for cost-sensitive cases through to enhanced network coverage for families.

We also register ILOE (Involuntary Loss of Employment) insurance — mandatory for employees, with fines for missing registration — and handle group medical quotations for companies insuring their full staff, where the right plan structure saves real money at renewal.

Documents required

Missing something? Send what you have on WhatsApp — we confirm exactly what's needed for your case before you spend anything.

How it works

  1. Requirement match — Visa type and Emirate determine the minimum plan — we confirm it.
  2. Comparison quote — 2–3 provider options with real prices, same day.
  3. Policy issuance — Certificate issued in the format the visa file needs.
  4. ILOE registration — Employee job-loss insurance registered where applicable.

Frequently asked questions

Which insurance is required for a family visa?

Each dependent needs a visa-compliant health plan for the sponsoring Emirate. We issue compliant plans same-day in most cases as part of the visa file.

What is ILOE and who must register?

The mandatory job-loss insurance scheme for employees in the UAE. Non-registration carries fines. It costs little and we register it in minutes with the visa chain.

Can you insure my whole company staff?

Yes — group medical quotations across providers, structured by staff categories, usually beating individual policy pricing significantly.

Which providers do you work with?

Oriental, Fujairah, Al Buhaira and other major visa-compliant insurers — compared per case rather than pushed by commission.

Is basic insurance enough for my family?

It satisfies the visa, but network and coverage limits are minimal. We show you the basic option and one enhanced option so you choose informed.

Get it done today

Message us on WhatsApp — a real consultant replies with requirements and an itemised quote, usually within minutes.

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