GOSI Social Insurance in Saudi Arabia
التأمينات الاجتماعية - Complete Guide 2025
Quick Answer
GOSI contributions for Saudi employees total 21.5% (9.75% employee + 11.75% employer). For non-Saudis, only 2% employer contribution for occupational hazards applies. Maximum salary cap is SAR 45,000/month.
Contribution Rates (2025)
| Branch | Employee | Employer | Total |
|---|---|---|---|
| Pension (Saudi only) | 9% | 9% | 18% |
| Occupational Hazards | 0% | 2% | 2% |
| SANED (Saudi only) | 0.75% | 0.75% | 1.5% |
| Total (Saudi) | 9.75% | 11.75% | 21.5% |
| Total (Non-Saudi) | 0% | 2% | 2% |
GOSI Benefits
Available at age 60 or after 25 years of contributions. Calculated as 2.5% × average salary × years of service.
Coverage for work-related injuries and occupational diseases. Includes medical treatment and disability pension.
60% of average salary for first 3 months, 50% for next 9 months. Maximum 12 months of benefits.
Pension payments to eligible dependents upon death of insured. Distributed according to GOSI regulations.
Frequently Asked Questions
GOSI (General Organization for Social Insurance / التأمينات الاجتماعية) is Saudi Arabia's social insurance system. It provides retirement pensions, disability benefits, occupational hazard coverage, and unemployment insurance (SANED) for eligible workers.
For Saudi employees: 21.5% total (9.75% employee + 11.75% employer). For non-Saudi employees: 2% employer-only for occupational hazards. The contribution is calculated on basic salary plus housing allowance, capped at SAR 45,000/month.
Expats are only covered under GOSI's Occupational Hazards branch (2% employer contribution). They are not eligible for pension benefits. However, they may be eligible for SANED unemployment insurance if they meet the contribution requirements.
GOSI contributions are calculated on a maximum salary of SAR 45,000 per month. Any salary above this cap is not subject to GOSI contributions. The minimum contribution base is SAR 1,500 per month.
GOSI provides: (1) Retirement pension after 25+ years or age 60, (2) Disability pension for work-related injuries, (3) Survivor benefits for dependents, (4) SANED unemployment benefits (60% of salary for 3 months), and (5) Occupational hazard compensation.