The General Organization for Social Insurance (GOSI) in Saudi Arabia provides a vital social protection system for Saudi employees in both the public and private sectors. This system includes retirement pensions, disability compensation, and work injury benefits. GOSI manages employee registration, collects contributions, and pays out insurance entitlements.
Learn more - What Is GOSI in Saudi Arabia?
The social insurance system in Saudi Arabia applies mandatorily to all Saudi employees (men and women) working in companies that fall under GOSI regulations. It also covers Saudi nationals working in the Gulf Cooperation Council (GCC) countries under the GCC Unified Extension Agreement.
To be covered under the GOSI system, the employee must:
GOSI contributions are based on the basic salary, including housing allowance (in cash or kind). The limits are:
Included in basic wage:
If the employee’s salary is below or above the limits set by the Saudi system and their country of work (within the GCC), they must pay the difference in contributions.
The total contribution rate is 18% of the basic wage, shared equally:
If there’s a difference between Saudi Arabia and another country’s system, the employee pays the difference.
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Employers must register Saudi employees through the GCC Unified Extension Form when they start working. Required documents include the employee’s national ID.
Changes to the salary subject to GOSI can only be made in January (or Muharram) each year. If the employee is 50 years or older, salary increases are capped at 10% compared to the previous year.
An employee’s GOSI subscription ends if they:
The employer must notify GOSI using the GCC Unified Extension Form - Streamline HR Operations: End of Service Calculator for KSA Employers
If the employee becomes disabled or dies while enrolled, the employer must:
GOSI will then terminate the subscription and release the due benefits.
GOSI may impose financial and administrative penalties for:
Employers must pay all fines via GOSI’s bank account. You can make sure you're compliant by integrating ZenHR with Mudad - Read More
The GOSI system in Saudi Arabia is a crucial tool for social insurance, protecting Saudi workers against retirement, disability, and work injuries. It is the responsibility of employers to register their employees and pay contributions on time to ensure workers receive their entitlements and live a secure life after retirement or in cases of hardship.
📍 Saudi Arabia – Riyadh
GOSI – GCC Coverage Unit
P.O. Box 2818, Riyadh 11461
📞 Phone:
00966112667890
00966112667891 - 00966112667897
📧 Email: gcccoverage@gosi.gov.sa
🔗 Visit the official GOSI website for more information