General Organization for Social Insurance

Overview

The General Organization for Social Insurance (GOSI) (gosi.gov.sa) is Saudi Arabia's statutory authority for social insurance, covering occupational hazards for all workers (Saudi and expat) and pension plus unemployment insurance (SANED) for Saudi nationals. GOSI was established in 1969 and operates independently of MHRSD but is tightly integrated with Qiwa, Mudad, and Muqeem so every employer's GOSI status is visible in the broader compliance picture. For most expat workers, GOSI is a back-office fact rather than a daily portal: contributions are deducted at the establishment level and there is no employee-side contribution.

The 2026 contribution structure is straightforward for expats. Non-Saudi employees do not contribute from their salary; the employer pays 2% of the contributable wage for occupational hazards insurance only. The contributable wage is basic salary plus housing allowance, capped at SAR 45,000 per month. Saudi nationals have a different structure: 9% employee contribution and 9% employer contribution to pension, plus 0.75% each to SANED unemployment insurance, plus the 2% occupational hazards (employer only). The July 2025 reform did not change expat rates and they remain unchanged for 2026.

Three operational points matter for expats. First, the only GOSI benefit that applies is the occupational hazards branch, which compensates work injuries, occupational illnesses, disability from those, and death compensation to the worker's family. There is no pension and no unemployment insurance for expats. Second, the GOSI Online portal is mostly used by employers; expat workers occasionally use it to download a GOSI salary certificate (useful for loan applications, school admissions, and certain visa applications) or to confirm their registration status. Third, an expat worker's GOSI registration must be active throughout the contract period; gaps in registration can void the occupational hazards cover, so any worker reporting an injury should first confirm their GOSI status on their bank app or through the establishment HR team. Confirm specific contribution rates on gosi.gov.sa before assuming any figure.

How to access

1. 1. Verify your GOSI registration

   Most expat workers are registered automatically when the employer issues the work permit and labour contract. To confirm, log in to GOSI Online (gosi.gov.sa) with Nafath, or check the employer's HR confirmation. Gaps in registration void occupational hazards cover.

2. 2. Download the GOSI salary certificate when needed

   Open GOSI Online or the GOSI app, navigate to Certificates > Salary Certificate, choose the period, and download the PDF. Used for bank loans, mortgage applications, school admissions, and some visa flows.

3. 3. Report a work injury immediately

   Any workplace injury must be reported within 7 days through the employer to GOSI. The injured worker is treated at a GOSI-approved hospital with cost covered by the occupational hazards branch. Late reporting can complicate the claim.

4. 4. Track compensation entitlement

   Permanent partial or total disability resulting from a work injury is compensated by a lump-sum or pension under GOSI rules, depending on the disability percentage. The worker receives notification through GOSI Online once the assessment is complete.

5. 5. Family-side claims in case of death

   If an expat worker dies as a result of a work injury, the GOSI death compensation is paid to the dependents per the worker's national-law inheritance rules. The employer initiates the claim; the family supplies legalised documents (death certificate, marriage certificate, birth certificates of children) attested through MOFA.