General Organization for Social Insurance

Raise with HR. Coverage is month-by-month - missing contribution means no occupational coverage that month. Employers can pay arrears but coverage gap remains.

Retroactive registration is not accepted. Employer must register before first work day. If missed, file with MHRSD; the worker may need contract amendment to a later start date.

GOSI medical board determines causation. Appeal with medical evidence, witness statements, workplace incident report. CCHI-channel private insurance covers non-occupational cases.

GOSI medical board assesses. Request re-assessment with independent medical opinion supporting higher percentage.

GOSI account continues across sponsors for Saudi nationals; the new employer registers under the existing GOSI ID.

Illegal under Saudi labour law. Employer pays 100% of GOSI registration and contributions for non-Saudi workers. File complaint at MHRSD.

The occupational hazards branch, which compensates work injuries, occupational illnesses, disability resulting from them, and death compensation to the worker's family. It does not cover general health, retirement, or unemployment.

Log in to GOSI Online (gosi.gov.sa) with Nafath, or open the GOSI app. Navigate to Certificates > Salary Certificate, choose the period and language, and download the PDF. Free of charge.

The contributable wage is basic salary plus housing allowance, capped at SAR 45,000 per month for contribution purposes. Anything above SAR 45,000 does not attract additional contributions, although the worker's actual salary can be higher. To see how the SAR 45,000 cap applies to a specific salary, run the figures through our Saudi GOSI calculator.

Saudi nationals contribute 9% from their salary to pension and 0.75% to SANED. The employer matches with 9% pension, 0.75% SANED, and 2% occupational hazards. So Saudi nationals pay 9.75% of contributable wage; expats pay zero.

Report through the employer within 7 days. The employer files the claim with GOSI and the injured worker is treated at a GOSI-approved facility at GOSI cost. Late reports can complicate or void the claim. If the employer refuses to file, the worker can file directly with GOSI Online.

The GOSI medical committee's assessment can be appealed through the GOSI dispute resolution channel within the statutory window. Independent medical opinion is admissible as part of the appeal.

GOSI covers work-related injuries occurring during work or in commuting to and from work, subject to the specific GOSI rules and a clear connection to the employment. The medical certificate must indicate the work-related cause. Confirm specifics with HR and GOSI before assuming coverage for any particular incident.

For non-Saudi workers GOSI provides occupational hazards coverage funded by the employer's 2% monthly contribution. Coverage includes: medical treatment costs for workplace injuries (hospital, surgery, follow-up), temporary disability income (usually 100% of basic salary during recovery period), permanent disability lump sum or pension based on disability percentage assessed by GOSI's medical board, and death benefit to family in fatal injury cases. The coverage is mandatory and the worker pays nothing. Critical operational point: injuries must be reported to GOSI within 24 hours of occurrence via the GOSI portal or by the employer's HR. Late reports routinely void the coverage and shift the cost to the employer directly. Workers should ensure the workplace incident report is filed immediately and request a copy. For non-occupational health (general illness, non-work injury), GOSI does not pay - CCHI-channel private insurance (which the employer must provide per Saudi law) covers those.

Yes. Log in to gosi.gov.sa via Nafath or Absher. The dashboard shows monthly contributions posted by your employer, your registration date, and the coverage status. Check monthly that contributions are being posted - missing contributions mean you are not covered for that month's potential injury. If contributions are missing, raise with HR; if not resolved, file a complaint at MHRSD via Qiwa Support. For Saudi nationals there is much more to see (retirement benefits accrual, full social insurance contributions, pension projections); expat view is primarily about confirming occupational hazards coverage is active. The most important monthly check for expats is simply that the latest contribution shows posted - all other GOSI complexity is irrelevant unless an injury occurs.

The sequence matters because filing them in the wrong order creates an open-ended liability. Correct sequence: (1) the worker stamps final exit at the airport, departure is logged in ICP and flows to Absher. (2) The employer files GOSI cessation for that worker via the GOSI portal, marking the registration as closed effective the final exit date. (3) Contribution stops the month after final exit; any month-of-departure contribution remains payable. (4) If the worker had an open occupational injury claim or disability assessment, the claim remains in process and benefits flow per the GOSI rules. Wrong sequence (closure before final exit): the GOSI portal rejects with a 'worker still active on Absher' error, but if forced through (manual workaround at a GOSI branch), the establishment carries open-ended occupational hazards liability for any incident in the gap between closure and actual departure. For end-of-service entitlement calculations separate from GOSI, use our Saudi end-of-service calculator.

Three common error patterns. (1) Under-declaring the contributable wage: declaring only basic salary while paying basic plus housing through WPS. Mudad cross-check flags the discrepancy and back-corrections are mandatory; the establishment pays GOSI arrears for the underdeclared months plus a 1% per month late-payment penalty. (2) Omitting housing allowance from the contributable wage: housing allowance is part of the contributable wage up to the SAR 45,000/month cap; excluding it understates the 2% occupational hazards contribution and triggers the same back-correction cycle. (3) Wrong start date or wrong nationality code on registration: the GOSI record reads start date for coverage, so a back-dated registration after a workplace injury is rejected. To correct: log in to gosi.gov.sa via Nafath, open Contribution History, file an Amendment Request with the corrected figures and supporting documentation (Mudad SIF screenshots, payroll slips, Qiwa contract). GOSI reviews and recalculates within 14 working days; the corrected SADAD bill is then issued. Run the corrected figures through our Saudi GOSI calculator before filing the amendment to confirm the expected back-payment amount.