GOSI for Expats in Saudi Arabia: Work Injury Cover, Rates and Your Record

GOSI (the General Organization for Social Insurance) covers non-Saudi workers for work injuries and occupational disease only. The employer pays the contribution, 2 percent of the contributory wage, and nothing is deducted from your pay. Expats have no GOSI pension or SANED unemployment cover. As of October 2026, the 2024 social insurance law does not appear to have changed this for expats.

What GOSI covers for non-Saudis

GOSI's Occupational Hazards Branch "compulsorily covers all Saudi and non-Saudi workers" (GOSI FAQ). The Annuities (pension) Branch and SANED apply to Saudis. GOSI's FAQ says a non-Saudi worker registered under the annuities branch is treated as a violation and the contribution period is annulled.

A few worker groups are excluded from the occupational hazards branch, including domestic workers, foreign staff of diplomatic and international missions, and foreign workers on jobs that usually take no more than three months (GOSI law text).

Rates and who pays

• Rate: 2 percent of the contributory wage, paid entirely by the employer. The rate can double for employers who ignore safety instructions.
• Your share: none.
• Wage base: payroll guides report basic salary plus housing allowance, capped at SAR 45,000 a month (Teamed).

If your payslip shows a GOSI deduction and you are not Saudi, ask HR why. Pension and unemployment deductions apply to Saudis.

The 2024 social insurance law

The new Social Insurance Law took effect on 3 July 2024 and applies to Saudis who join the system after that date. Their pension contributions start at 9 percent each for employee and employer and rise by 0.5 points a year up to 11 percent. Teamed reports that occupational hazards rates are unchanged (Teamed). We could not find the new law's full text on a GOSI page, so we cannot rule out changes to the non-Saudi lump-sum terms below. Check them with GOSI.

If you are injured at work

Under the GOSI law text and FAQ:

• Medical care. GOSI pays the treatment body for care according to invoices.
• Daily allowance while you cannot work: 100 percent of the previous month's daily wage, reduced to 75 percent during treatment at GOSI's expense.
• Lump sum instead of a monthly pension. Non-Saudis receive a one-time payment:
  • total permanent disability: 84 months of benefit, capped at SAR 330,000;
  • partial permanent disability of 50 to 99 percent: 60 months, capped at SAR 165,000;
  • below 50 percent: a lump sum with age-based adjustments, with the same SAR 165,000 cap.
• Death. Family members receive a lump sum instead of a survivor pension, and GOSI covers the cost of sending the body to the home country.
• Going home. If the Medical Board decides an injured non-Saudi must return home, GOSI covers an economy-class ticket, and the board may assess you before you leave so that the cash benefit can be paid before departure.

The injury only counts if you were registered under the branch and the employer had actually paid contributions before the injury, with some exceptions.

Reporting an injury

1. Tell your employer immediately. The employer must submit Form 10 (Occupational Hazards) to the assigned treatment body within three days of learning of the injury.
2. In an emergency you can go to a licensed private provider. You or your employer must then notify the nearest GOSI office within three days.
3. Keep copies of every medical report and form.

Time limits

Claims for the daily allowance, transport and funeral grants generally cannot be filed after one year. Claims for monthly benefits and lump sums have a five-year limit.

If your employer will not report the injury, call GOSI on 199044, the toll-free number listed on its pages, and file a complaint through the website.

Check your record

• Taminaty app and GOSI portal: GOSI says the Taminaty app lets contributors request a contribution period and salary record certificate and view their contribution and salary timeline, including current contributions from their workplace (GOSI). That news item dates from 2018. We could not confirm that non-Saudis can sign in, so try the app first and ask GOSI on 199044 if you cannot.
• Ask HR: request written confirmation that you are registered under the occupational hazards branch, with the registration date.
• Request tracking: GOSI's FAQ points to its "Track insurance system requests" page for the status of a request.

What it means for end of service

GOSI does not pay your end-of-service award. Teamed states that an expat's long-service protection comes from the Labor Law's end-of-service award, which your employer pays. For the final settlement, see the final exit tool and the notice period calculator. Compare the figures with the contract and ask HR for a written breakdown.

Health cover is separate

GOSI treats injuries at work. For general medical insurance, see the health insurance guide.

Sources

Facts in this guide were checked on 22 October 2026 against these pages. Fees and rules change, so confirm on the official page before you pay or apply.

• GOSI: Social Insurance Law text (occupational hazards branch, non-Saudi lump sums)
• GOSI: Contributor FAQ (non-Saudi workers, reporting injuries, time limits)
• GOSI: Occupational Hazard service page
• GOSI: Taminaty app (certificates and contribution timeline)
• Teamed: Saudi GOSI and 2025 amendments (page reviewed 16 Oct 2026)
• KSA Expats: Understanding GOSI (4 Mar 2024)