Social Insurance (GOSI) and SANED Deduction Framework in Saudi Arabia
The General Organization for Social Insurance (GOSI) oversees statutory retirement, occupational hazard, and unemployment insurance (SANED) schemes for workers in Saudi Arabia.
Statutory Contribution Ratios
- Saudi Citizens: Total 21.5% contribution on contributory wage (basic salary + housing allowance up to 45,000 SAR cap). The employee pays 9.75% (9% Annuities + 0.75% SANED), and the employer pays 11.75% (9% Annuities + 2% Occupational Hazards + 0.75% SANED).
- Non-Saudi Residents: The employer contributes 2% for Occupational Hazards. There is zero employee deduction from the expatriate worker's salary.
Frequently Asked Questions
The maximum contributory wage ceiling is 45,000 SAR per month (Basic Salary + Housing Allowance).
No. Expatriate employees pay 0% in deductions. The employer pays 2% for Occupational Hazards coverage.