Benefits of GOSI to Expatriate and Saudi Employees

Every employee is registered with GOSI (General Organization of Social Insurance) in Saudi Arabia. Your employer is paying a certain percentage of your salary every month as GOSI contribution. We have discussed this concept in detail in the following link “Contribution to GOSI for Saudi and Non-Saudi Employees”.

Do you know that you are entitled to many rights against this contribution paid by your employer to GOSI? I think 90% of the expatriate and Saudi employees living in Saudi Arabia are not aware of these rights. I have explained the benefits an expatriate and Saudi employee is entitled to against the GOSI contribution below.[irp]

Medical Care: In case an expatriate or Saudi employee is injured due to occupational injury, GOSI will take care of his all medical treatment without any limit of time.

Daily Allowance: If occupational injury leads to a temporary disability in a way that injured person cannot perform his duties, he is entitled to a daily allowance which is equivalent to 100% of his daily wages.

This allowance will be reduced to 75% of his daily wages if GOSI is taking care of his medical expenses.  It is very important to mention here that apart from the benefits from GOSI, the employer is also responsible for compensating the employee with some benefits as per Saudi Labor Law.

I strongly recommend you to go through this link “Compensation in case of Work Injury as per Saudi Labor Law

It is important to mention here that every employee is also entitled to 4 months fully, partially and unpaid sick leave from the employer. Recommended: Entitled Leaves as per Saudi Labor Law

Disability of an expatriate (non-Saudi) employee: In the case of permanent disability or Death of an expatriate or Non-Saudi Employee due to occupational injury, he is entitled to a lump sum amount equivalent to 84 months’ salary of calculated based upon the average salary of last three months. However, this amount cannot exceed SR 330,000/-.

In the case of partial disability of an expatriate or Non-Saudi Employee from 50% to 99% due to occupational injury, he is entitled to a lump sum amount equivalent to 60 months’ salary of calculated based upon the average salary of last three months. However, this amount cannot exceed SR 165,000/-.

Permanent Disability of a Saudi Employee: In the case of permanent disability of a Saudi Employee, GOSI will pay him for the lifetime an average salary of his last three months. This salary will be reviewed after 5 years and then after 10 years.

  • *Salary: Basic Salary + Housing Allowance

Occupational Injury: Medical Care and Cash Compensation are the two types of benefits assured by the GOSI (General Organization of Social Insurance) in the case of occupational injury take place.

Before going into detail about the benefits, I think we should clarify the definition of occupational Injury. The injured person, or his representative, must notify the employer within seven days after the injury’s occurrence, deterioration or complication takes place or the disease is discovered.

The employer, or his representative, must notify GOSI Field Office of the employment injury for which first-aid is insufficient, within three days after he is informed of the injury or takes note of its occurrence. The injury is considered occupational injury in the following 5 cases.

1-If accident takes places during work or it resulted from the work

2-If an accident takes place on his way to the workplace from his home, on the way back to home from the workplace, while going somewhere to have lunch or perform prayers from the workplace.

3-If an accident takes place during his movements in order to perform the tasks entrusted to him by the employer.

4-Any disease caused by the work

5-Any disease sustained by the contributor specified in the table of occupational diseases

Source: GOSI

  • Ibrar

    Dear I need Your Help..
    I want to know some Rules of Ksa. My Big brother living in ksa since 2005 in Indipandend Visa. He is working in Mobile filed. When he Know New Rules of Soudiastion. He stopped working. And Left to our kafeel these days he was searching new kafeel. But unfortunately 1st of Ramdan. He is Buying to some Mobile acceriress in other shop and going to home.when he was outside of market ( Jazwat) Caught him. And give the Document like aqmaa. All Documents are completely. But Jazwat say You have (Badoon Kafeel). Today he his 45 day at jail. Plz let me know how many days are more in jail . I mean Acrouding to law of ksa. In which cause how many days jail. Plz tell me I am waiting for your answer.

  • Abir

    Hi,
    this is a long shot but I am curious. My father died whilst working in Saudi Arabia in 1979.
    At the time, my family lived in Lebanon and as was the custom, my great uncles travelled to bring my father home to be buried. I am curious to know if there were laws at the time that would have entitled his family to benefit?

  • Hidayat

    R/sir, my father died in a road accident during duty/work in madinah on july 2016. We have approached the company for insurance claim and other benefits but the company has replied that there is no benefits lying pending against the company except few salaries and there is no insurance which we claim. Sir, he worked in the company for 23 years. Plz guide me can we claim death compensation or insurance from GOSI. Sir plzz reply

  • 1. You should get ESB for his 23 years of work in that company http://life-in-saudiarabia.blogspot.com/2014/03/end-of-service-benefits-esb-calculation.html
    2. If he met with an accident while going to his workplace or coming back from there, the company can apply for insurance from GOSI as you can read in the above article
    3. In the accident, if it was the mistake of other party, you can ask for the blood money from the other party.

    You can claim all 3 of what I have mentioned above.

  • Hidayat

    Sir, thanks for ur reply. Sir , how can we claim /apply for insurance from gosi as neither the company has informed us nor we know whether the deceased is registered with gosi. Plz let me know whether every worker /expat is registered with gosi or otherwise. My father worked in the same company for 23 + years. Plz sir reply. Thanks

  • Wellol Somar

    good day to you sir, my brother died i jeddah and GOSI sent us insurance paper which I send back with required documents by GOSI, sir how can I follow up our insurance claim or how can we know if all requirements are complet, thank you very much God bless

  • Carls

    Good day sir steve,

    can you please give some comments on this matter,
    30 years ago a family friend died in a road accident in the kingdom. The family has been receiving money monthly after he died but in the year 2010 the monthly benefits that they were receiving suddenly stopped. What could be the possible reason for that?

    Hope you can give me some definite information.

    Thanks and Regards.

  • Carls

    By the way, they were receiving the money before from GOSI thru bank and the family of the deceased is living outside the kingdom.

  • Liemlyn Abrencillo

    Hi sir..me I ask where u came from?

  • Wellol Somar

    From the Philippines

  • Liemlyn Abrencillo

    OK sir…I’m from Ph also…sir would u mind if I leave my phone number here..so we can speak some matters…we have same issue also sir…09278670382…

  • Wellol Somar

    Its ok I got you phone no.

  • Liemlyn Abrencillo

    OK sir…waiting for ur Tex asap…:-)

  • Wellol Somar

    Nka mssg n aq name Somar

  • Hannah Estrella

    Hi. I hope you can help me. My father died this July 2016. He was about to report on duty when he had stroke that led him to be in coma for almost 3mos. He was sent back here in the Philippines after 3mos. After 4 days he died. He worked in Jeddah for more than 20yrs as a Chief Cook in a Restaurant. How can we possibly claim this GOSI? Hoping for your kind response.

  • sahir

    Hello sir.
    My father had a stroke and he died natural death in jeddah. While he was working in multi national company
    Iam getting his graduaty. Am i also entitled to get gosi ?

  • Angelito Khalid Ople

    Assalamalaikom Hello Sir, I have some questions regarding my situation I injured in time of work and I confine in hospital for 15 days my spinal cord crack then the doctor put the stainless etc.in my back until now I suffered the pain I plan to exit to go back in the philippines is my company give for the lump sum for my medical including my daily needs can you estimate how much the company give for my need until my wounds cured

  • Angelito Khalid Ople

    I’m waiting for your reply asap this is my number 0534755405

  • Luzviminda Ortega

    Good Day! My husband died on duty last April 24, 2013. He met an accident in Jeddah KSA. Until now I did not receive any benefits from Saudi. To whom I should follow up? Can I get insurance from Saudi and his Employer? Please guide me of what is the requirements in claiming the benefits and whom I submit my requirements…Thank you very much..

  • shabbi shabeer

    hi assalamualikum
    My father died on december 25th 2015, by heart attack ,Please guide me of what is the requirements in claiming the benefits and whom I submit my requirements…Thank you very much..

  • shabbi shabeer

    waiting for your reply

  • Angelica Nunag

    Hi Sir

    My uncle died due to Pneumonia while under contract and his employer just want to pay 5000SAR as his benefits? My uncle went to Saudi last July 1 2016 and died in Saudi last July 2 2017 due to that pneumonia..Do you think the 5000Sar is enough pay or do we need to check after his GOSI benefits. My uncle is a Filipino Please contact me for this matter +639979926989.

  • Angelica Nunag

    i Sir,

    My uncle died due to Pneumonia while under contract and his employer just want to pay 5000SAR as his benefits? My uncle went to Saudi last July 1 2016 and died in Saudi last July 2 2017 due to that pneumonia..Do you think the 5000Sar is enough pay or do we need to check after his GOSI benefits. My uncle is a Filipino Please contact me for this matter +639979926989.

  • He is not entitled to GOSI benefits as it was a natural death. He should get a half month’s salary as his End of Sevrice.

  • Angelica Nunag

    But before he leaves the philippines hes not sick he dont have pneumonia before that disease manifest while working in riyadh is it not considered still?

  • GOSI benefit is available only in case of work related injuries

  • Angelica Nunag

    pLease check the number 4 in the screenshot …still not? thats a disease caused from his worked..He worked 16hrs and when he was advice to have sick leave when his sick his employer refused to allow him to rest.Thats why it become pneumonia and later on cause him to die.

  • Justine

    Dear Steve,
    I am Justine Antony my final exit is done in last week means before one week of iqama expiry date.yesterday it expired.fanal exit is allows me 60 days overstay in ksa,means I have to exit before 04/09/2017. Is there any problem or any fines will charge at airport if I stayed exess days of expired iqama? And can I travel in ksa with my exit visa paper and expired iqama?
    Please advise me
    Tanks

  • Syed Sarwar Hashmi

    Dear Steve,

    i have terminated by my company with 30 days notice period. my contract is 2 years & company terminte me in 1 yr saying that dont have project.,kindly advice me how to deal with company. i am staying here with my wife sir.plz suggest me sir.

  • Syed Sarwar Hashmi

    Dear Steve,

    i have terminated by my company with 30 days notice period. my contract is 2 years & company terminte me in 1 yr saying that dont have project.,kindly advice me how to deal with company. i am staying here with my wife sir.plz suggest me sir.

  • Syed Sarwar Hashmi

    Dear Steve,

    i have terminated by my company with 30 days notice period. my contract is 2 years & company terminte me in 1 yr saying that dont have project.,kindly advice me how to deal with company. i am staying here with my wife sir.plz suggest me sir.

  • This is not a disease caused by the work. For example, if there was a chemical spray in the company he was working for due to which he had some problems, this is a disease caused by the work.

  • vivek teja

    Dear Steve

    I need final exit from saudhi,my iqama has been expire with in 15 days and my sponcer was not giving passport and exit
    What should I do ……..?
    Please can you suggest the process

  • Jhorbumbz Silva

    Good day Sir ,
    I also have a concern with regard to the death claims of late father who died in a car accident in Najran Saudi last 2015 . My family did not receive a single amount from the company and this . Please help us .

  • Jhorbumbz Silva

    Maam, good day .. I read your post and I feel the same way . My father died on a car accident in Najran Saudi . can I get your number so I can sk some quiestions may we can help each other.

  • Luzviminda Ortega

    Hi Mam,

    My cel no. 09988418911.. you can contact me anytime.

    Thanky you very much.

    Luzviminda Ortega

  • Waqar Ahmad

    contact me on [email protected]. i will guide you about procedure

  • Navales Aldren

    Good day sir,
    I have a injury accedent of my company but my 1month salary is not to pay me.plz help me

  • Jenny Mendoza

    Good Day Sir,
    My husband died Last year trailer truck accident upon duty, until now the company always saying that the GOSI benifits still inprocess, is it possible sir? its been a year since my husband left us. please help me about this matter, we really need the benifits, thank you.

  • ruel dc

    Ma’am Jenny share lang ako maybe it will help. may kasamahan din po kami ibang lahi na namatay during bombing here at saudi yemen border, after 1 year pa naka claim ang family nia. long process po i think, so better coordinate to owwa and phil embassy for assistance.

  • Jenny Mendoza

    ok..
    thanks po..

  • Mohd Adiluddin

    Hai sir my father mr Mohammed Abbas died in a car accident in Jeddah and till now we got nothing from company and from insurance company nearly its 2year are going to be complete
    How much compensation will company give to victims family?
    Hope you replay soon with a answer
    Sir and company name is dana-al-Riyadh Jeddah

  • If the police officer has established that your father was at fault in the accident, he is not entitled to any blood money compensation.

  • i would like to ask sir, i am currently have a work injury for 2 months now and my medical care is still continues through gosi but the problem is my daily allowances, I didn’t receive any allowances from gosi, so my question is:
    1. Where can i get my allowances (which is a check)? do i need to get it to gosi office or it’s going to be send it to me directly through mail? or it’s going to be send to my company and my company will send me the check? because i’m the one who’s paying my transportation going to and from the hospital.
    2. Prior to admittance to the hospital my company need to talk to me and sign some papers so that i can admit to the hospital through gosi and they told me that they will going to deduct my salary after 3 months of about 2000 riyals, is this even legal?, i didn’t complain back then since i need to be treated immediately and they have the papers of acknowledgement so i just simply said yes to it.
    3. The doctor gave me a 30 days sick leave but after 10 days from my injury operation I started working since I need the money to send to my family and money for transportation my question is am I still eligible for that allowances from gosi since I started working already?, the treatment for my injury will last for a year since i need another operation after a year to remove the metal plates they attached in my right arm.
    –thank you

  • wodV evo irat K 9ol Anis oa, b

    Hi steve,
    Kindly guide me through this matter my father work in Riyadh under al rashid company in 1984 and 1986 he also has gosi for period of 1983 to 1984 and 1986 to 1987 after which he came back to Pakistan company said that they will send the money but uptil now the company never contacted ..kindly tell me how to claim for his gosi now, we have social insurance number and employer number as well.waiting for your reply