The General Organization for Social Insurance was set up with the aim of helping contributors and their families acquire world-class social insurance benefits. In fact, GOSI has been a top-tier government insurance provider in the KSA region for almost five decades. A data report from Argaam released to showcase the statistics of GOSI stated that about 8.32 million private-sector employees were registered with the organization in Q2 of 2020. Here is a list of benefits that Saudi nationals receive upon registering with GOSI:

• Medical care benefits: GOSI has contracts with several hospitals across the KSA region, wherein individuals who have suffered an occupational hazard are given comprehensive treatment until the individual has recovered completely. In the event of an injury during the course of employment, the medical treatment offered by these hospitals would include several facilities, including diagnoses, medical supplies, medicines, prosthetics as well as top-class medical treatment.  
• Daily allowance benefits: In the event of an injury during the course of employment that has caused the individual to become temporarily disabled, the individual would be eligible for a daily allowance. This daily allowance can go up to 100% of the daily wage of the injured for each day of disability. If the individual in question is under treatment at the expense of GOSI, the daily allowance offered is 75% of the daily wage of the injured for each day of disability. This allowance is only applicable if the injured individual is an in-patient or on sick leave.  
• Total permanent disability benefits: If an occupational hazard leads to the total permanent disability of an individual, then they are entitled to a monthly compensation of 100% of the average wage of the last three months, immediately before the month of the injury. The eligibility of the individual to receive the total permanent disability benefits is examined at regular intervals, for a total period of five years, by a qualified board of medical professionals. Five years after the date of benefit payment, the eligibility of the injured individual to receive the total permanent disability benefit is re-evaluated and a decision is made about the payment of the benefit. If the medical board concludes that the injured individual requires the assistance of others, then the individual will receive corresponding compensation for that as well. The injured individual is medically evaluated at regular intervals for 10 years to assess the eligibility of the Assistance of Others allowance. If, after 10 years, the medical board deems it necessary for the injured individual to have the assistance of others, then this allowance is made permanent. 
• Partial permanent disability benefits: In the event of an injury during the course of employment that leads to a partial disability by 50% to 90%, then the individual is eligible for compensation that equals the percentage of their disability. If the medical board concludes that the injured individual requires the assistance of others, then the individual will receive corresponding compensation for that as well. 
• Unemployment benefits: The unemployment insurance scheme offered by GOSI is called “Saned”. Unemployed individuals can opt for this benefit within 90 days of quitting their job. Individuals, however, can only opt for this benefit if:
  • They are Saudi citizens;
  • They are registered under the Social Insurance Law;
  • They have been forced to quit their job for reasons beyond their control. 

This unemployment scheme provides social protection to Saudi nationalists working in the government and private sector. Apart from offering a monthly compensation for the transitionary period between two jobs, GOSI also compensates the individual with a maximum amount of SAR 9000 for the first three months of employment. For every consecutive month after this period, GOSI compensates the individual with a maximum amount of SAR 7500. An individual can only avail this compensation, continuously or intermittently, only for a maximum period of 12 months.  

• Benefits after the death of the contributor: All the eligible family members of the deceased are entitled to equal compensation, in the event of the death of an individual caused by an occupational hazard. Family members are eligible for a total compensation amounting to a minimum of SAR 345 and a maximum of SAR 1,750 or the average wage taken by the deceased, whichever is greater. A family member of the deceased is eligible for benefits if: 
  • The deceased was a retired employee and suffered from a non-occupational disability, partial or total permanent disability; 
  • The deceased was an active contributor and died owing to an occupational hazard; 
  • The deceased was a contributor who was under GOSI’s employment scheme at the time of death and must have contributed to the scheme for a minimum of three consecutive months or six non-consecutive months; 
  • The deceased was a contributor after leaving employment and must have contributed for a minimum period of 120 months. 
• Voluntary Contribution benefits: Under this section of GOSI insurance, social insurance benefits are offered to individuals for old-age retirement pension, early retirement pension, non-occupational disability pension, and death pension.