General Organization for Social Insurance in Saudi Arabia: A Comprehensive Guide to Services, Subscriptions, and Integration with National Platforms

I. Introduction to the General Organization for Social Insurance (GOSI)

1. What is the General Organization for Social Insurance (GOSI)?

The General Organization for Social Insurance (GOSI) is a financially and administratively independent governmental entity in the Kingdom of Saudi Arabia, established with the fundamental objective of providing social protection and insurance coverage to various segments of the workforce within the Kingdom.¹ GOSI's coverage extends to Saudi civil and military employees whose salaries are paid from the government budget or public agency budgets, as well as private sector workers, both Saudi and non-Saudi, and wage-based workers in the public sector.¹ The system also provides optional coverage for self-employed individuals and includes beneficiaries of the Benefit Exchange Law and the Unified Law for Extension of Insurance Coverage for citizens of GCC countries.¹

GOSI is responsible for implementing the Social Insurance Law, its branches, and its Executive Regulations, as well as the Civil and Military Pension Laws in the Kingdom, ensuring the compulsory application of insurance to the aforementioned categories.¹ The social insurance system consists of two main branches that form the core of social protection: the Occupational Hazards branch, which provides compensation in cases of work injuries, and the Annuities branch, which ensures compensation in cases of non-occupational disability, old age, and death.² The organization's headquarters are located in Riyadh, and its board of directors is chaired by the Minister of Finance, underscoring its strategic national importance.¹

GOSI relies on diverse sources to fund its benefits and services, ensuring its financial sustainability. These sources primarily include contributions from insured persons and employers, which form the backbone of the system's funding.² It may also benefit from state aid allocated in the general budget when needed, additional amounts imposed for delayed payment of contributions, returns from the investment of the organization's funds, as well as donations and bequests.²

The General Organization for Social Insurance's commitment to providing a wide range of electronic services through multiple channels, including its online portal, the "Taminaty" smartphone application, and electronic payment systems, reflects a fundamental shift in the approach to delivering government services.⁴ This direction is not limited to providing convenience for beneficiaries but is also part of a broader national digital governance strategy aimed at enhancing efficiency, transparency, and data accuracy across the social insurance system. By digitizing complex operations, the organization can manage a large volume of transactions more effectively, reduce administrative burdens, and minimize human errors. This transformation also drives greater adoption of digital solutions in the economy as a whole, as digital literacy and robust digital infrastructure become essential requirements for individuals and businesses to fully interact with government services.

Furthermore, the organization's financial independence and significant reliance on investment returns highlight its dual role; it functions not only as a provider of social protection but also as a sophisticated financial entity.¹ Its strategic investment plan, which focuses on long-term growth and sustainability of investment returns with acceptable risk levels, is crucial for ensuring the long-term financial solvency of the social insurance fund.⁵ This proactive financial management, supported by actuarial studies, is essential to guarantee the organization's ability to meet its future obligations to a growing number of beneficiaries, especially in light of demographic changes. This balance between providing social protection and prudent investment management forms the cornerstone of the system's stability and reliability.

II. General Organization for Social Insurance Services

2. What are the services of the General Organization for Social Insurance?

The General Organization for Social Insurance offers a wide and diverse range of services, representing a qualitative leap in social insurance in the Kingdom. These services are available through multiple channels to ensure maximum accessibility and convenience for beneficiaries, including the GOSI Online website, the electronic payment system, GOSI Phone, direct link service, and Short Message Service (SMS).⁴

GOSI services are categorized to meet the diverse needs of various beneficiary groups, ensuring the provision of targeted and effective services. These categories include: individuals, businesses (establishments/employers), heirs, contributors, retirees, government entities, and hospitals.⁴

Key Online Services (for Saudi Arabia):

• For Individual Services:

  • Request Retirement Pension: A service for beneficiaries intending to retire to apply for their retirement pension.¹

  • Request Beneficiary Card: Allows beneficiaries to issue cards such as "Taqdeer" or other beneficiary cards.¹

  • Resumption of Unemployment Compensation Payments: A service enabling beneficiaries to resume their unemployment compensation (SANED) payments.¹

  • Request to Add Retroactive Contribution Period: Allows contributors to request the addition of previous contribution periods retroactively.¹

  • Maternity Compensation: A service for providing compensation to eligible contributors.¹

  • Settlement of Due Amounts: An electronic service allowing beneficiaries to repay amounts disbursed without right or amounts due to the social insurance account.⁷

  • Quick Verification: Allows quick verification of employment status, SANED eligibility, electronic certificates, and insurance entitlements.⁶

• For Establishment Services (Employers):

  • Report Occupational Injuries: A service for employers to report work-related injuries sustained by their employees.¹

  • Manage Establishment Account Supervisors: Allows adding, changing, deleting, and modifying the permissions of supervisors on the establishment's "Taminaty Business" account.⁸

  • Register New Contributors and Partners: A service for registering new employees and partners with the employer.⁹

  • Update Wages: Allows updating monthly wages for contributors.⁹

  • Transfer Contributor Between Establishment Branches or Transfer All Contributors: A service for transferring contributor data between different branches of the establishment.⁹

  • Issue Electronic Certificates: Issuing certified certificates for establishments or certificates for submission to the Zakat, Tax and Customs Authority.⁹

  • Invoice Dashboard: Review establishment account details, current invoice, and search for payment receipts.⁹

  • Transfer or Refund Credit Balance: Transfer credit balance between establishment branches or request a refund of the establishment's credit balance.⁹

  • Modify Contribution Period: Modify the joining date for an active contributor or the exclusion date and reason for an inactive contributor.⁹

  • Reduce Occupational Hazard Rate: Request a reduction in the occupational hazard rate.⁹

  • Installment of Establishment Debt: A service for installment of outstanding debts owed by the establishment.⁹

  • Exclude Contributor: Exclude contributors registered under the employer's account.⁹

  • Modify Establishment Data: Modify establishment owner data, legal entity, contact information, or establishment type (main - branch).⁹

  • Separate/Link Establishments: Request separation or linking of establishments.⁹

  • Terminate Establishment Activity: Request termination of proactively unregistered establishment activity.⁹

  • Track Requests: Track requests or transactions submitted to the organization.⁹

• General and Innovative Services:

  • Appointment Booking Service: Allows beneficiaries to book appointments in advance to communicate with customer service representatives.¹

  • Virtual Visit: Enables direct communication with a customer service representative via video call.⁹

  • Chat via WhatsApp: Provides an additional communication channel via the WhatsApp application.⁶

  • "Taminaty" Application: A mobile application designed to provide a better user experience, and its download is encouraged.⁴

Table 1: Key Services of the General Organization for Social Insurance (GOSI)

The broad scope and depth of electronic services provided to establishments, which include precise operations such as adding retroactive contribution periods, transferring credit balances between branches, and installment of debts, indicate that the General Organization for Social Insurance goes beyond merely providing basic online forms.⁹ It is working to facilitate a comprehensive digital ecosystem for human resource management and compliance for companies. This level of digitization aims to significantly reduce the administrative burden on employers, improve data accuracy, and enhance compliance with social insurance regulations. The ability to conduct complex operations online demonstrates that the organization considers its digital platforms the primary interface for businesses, driving them towards greater digital adoption and increased efficiency. This also means that companies must invest in their internal digital capabilities and processes to fully leverage these electronic services and maintain smooth operations.

Furthermore, the active promotion of the "Taminaty" smartphone application and the provision of innovative communication channels such as virtual visits and WhatsApp support reflect the organization's commitment to enhancing user experience and facilitating access to its services.⁴ This focus on diverse communication channels and user-centric design goes beyond simply providing online services. It reflects a strategic investment in ensuring that services are accessible to a wide range of users, including those with varying levels of digital proficiency or special needs. This attention to customer satisfaction, evident in the provision of multiple feedback channels and proactive service delivery, is crucial for any public service entity to build trust, encourage participation, and ensure effective utilization of its programs. It also indicates that the organization is adapting to evolving user expectations in an increasingly digitized society.

III. Registration and Account Activation in GOSI

3. How to register with the General Organization for Social Insurance?

Registration with the General Organization for Social Insurance is an essential step to ensure compliance with social insurance regulations in the Kingdom, for both establishments and individuals.

Establishment Registration (Employers):

Employers can easily complete the registration of their establishments through the GOSI online portal, known as "Taminaty Online".10

Key Registration Steps:

1. Prior Registration with the Ministry of Labor: It is a prerequisite that the establishment's data has been previously registered with the Ministry of Labor (currently the Ministry of Human Resources and Social Development).¹⁰

2. Receiving Login Credentials: After the establishment is registered with the Ministry of Labor, a message containing the username and password will be sent to the contact information registered for the establishment with the Ministry. This data is used to complete the registration process via the employer's account homepage on "Taminaty Online".¹¹

3. Submitting the Subscription Application Form: The establishment must print the subscription application form, endorse it (sign and stamp it), and then submit it to the relevant Social Insurance office, within the electronic services section.¹⁰

    

   Procedure Conditions: The establishment must be a legal entity operating in Saudi Arabia, whether it is a company, institution, or any commercial activity, and its ownership must belong to an individual, institution, or company.10

    

   Service Execution Time: This service is immediate upon completion of requirements.10

Individual Registration (Contributors and Beneficiaries):

Individuals are registered with social insurance through the official website of the organization, and users can specify their type as a beneficiary or contributor.12

Key Registration Steps:

1. Accessing the Official Website: Go to the official website of the General Organization for Social Insurance.¹²

2. Selecting Beneficiary Type: Choose the appropriate option, such as "Contributor/Beneficiary" if the user is seeking personal registration (e.g., for students or individuals).¹²

3. Filling in Required Data: Enter basic personal information, which includes: National ID number (for Saudi citizens) or Iqama number (for residents), email address, mobile number, and password (re-enter for confirmation).¹² In some cases, the family name, mother's first name in Arabic, and national ID number may be requested.¹³

4. Agreeing to Terms and Conditions: Read and agree to the terms and conditions of the service.¹³

4. How to activate a General Organization for Social Insurance account?

Account activation in the General Organization for Social Insurance ensures secure and effective access to electronic services for users, whether they are individuals or representatives of establishments.

Individual Account Activation:

After the initial registration process, activation typically involves identity verification through digital channels. Some sources indicate that the activation method may involve sending a verification code to the mobile phone (SMS) or email, which must be entered to complete the activation.14 Creating an account on the electronic portal allows the user to use all electronic services, whether as an individual or as an authorized representative of an establishment.15 Although the research materials do not provide detailed, direct, and clearly defined activation steps for individual accounts in Saudi GOSI, the general context of electronic services suggests a standard verification process via email or phone number, which aligns with modern digital government service practices.4

Establishment Account Activation (Adding Branch Account Manager/Supervisors):

Establishment account activation, after its initial registration, is primarily done through managing permissions and adding authorized users.

Steps:

1. Log in with Branch Account Manager Authority: The user must log in to the "Taminaty Business" system with the authority of a branch account manager for the establishment.⁸

2. Select the Establishment: From the account menu, select the establishment whose account is to be activated or whose permissions are to be managed.⁸

3. Manage Supervisors: Through the establishment's profile, click on the "Manage Supervisors" or "Add Supervisor" icon.⁸

4. Enter Supervisor Data and Verify Eligibility: Enter the required data for the new supervisor, and their eligibility will be verified.⁸

5. Modify Permissions: The account manager can also change, delete, or modify supervisor permissions as needed, ensuring flexibility and control over access to the establishment's services.⁸

The requirement for prior registration of establishment data with the Ministry of Labor before registering with the General Organization for Social Insurance, and GOSI then sending login credentials based on this initial registration, reflects a strategic direction towards data exchange and integration between government entities.¹⁰ This approach aims to significantly streamline registration procedures for establishments, reduce redundant data entry, minimize potential errors, and ensure consistency across various government records. It represents a broader e-government strategy to create a more efficient, less bureaucratic, and more cohesive regulatory environment for businesses, which is vital for fostering economic growth and facilitating ease of doing business in the Kingdom.

Furthermore, the establishment account activation process, which includes detailed steps for adding branch account managers and managing supervisors, including eligibility verification and permission modification, highlights a strong focus on digital security, accountability, and internal governance.⁸ For a system that handles sensitive employee data and significant financial contributions, ensuring that only authorized individuals can perform specific actions is paramount. This robust access control mechanism contributes to preventing fraud, maintaining data integrity, and ensuring strict compliance with labor and social insurance laws. It also indicates that companies are expected to implement clear internal protocols for managing these digital identities and permissions to align with the organization's security framework.

IV. GOSI Subscription Details

5. What is the subscription number in the General Organization for Social Insurance?

The concept of "subscription number" in the General Organization for Social Insurance differs between establishments and individuals, with each serving a specific identification and procedural purpose.

Establishment Subscription Number (GOSI Establishment Number):

The establishment subscription number is the primary identifier for a company or commercial entity with the General Organization for Social Insurance. This number is used in all official dealings with GOSI, including managing employee affairs and submitting contributions.

How to Obtain It: To obtain the establishment subscription number, the employer must log in to the electronic services of the General Organization for Social Insurance. This is usually done via the "Business" option, then "Taminaty Business" on the GOSI electronic portal.16

Where It's Displayed: After successfully logging in, the establishment's number will be clearly displayed on the employer's account homepage.16

Usage: This number is primarily used on the organizational structure pages for registered establishments (legal structuring) and in all official dealings with GOSI.16 It is important to note that the payment number for establishments in the Sadad government payment system is the same as the establishment's subscription number, which facilitates the payment process.17

Individual Subscription Number (Insurance Number):

In the context of Saudi social insurance, there is no separate individual employee subscription number clearly referred to as a "subscription number" other than their national ID number or Iqama number. All individual insurance data is linked to their civil registry or Iqama number. This number is the unique identifier for the contributor in the insurance system.

How to Inquire About the Insurance Number (for Individuals):

Individuals can inquire about their insurance number (national ID/Iqama number) through dedicated electronic services.18 Steps typically include:

1. Selecting the service to inquire about the insurance number using the national ID (or ID/Iqama number).

2. Clicking "Start Service."

3. Entering the required personal data such as the national ID (National ID/Iqama) and the mother's first name.¹⁸

The use of the establishment's subscription number as the payment code in the "Sadad" government payment system represents a significant simplification of financial transactions for businesses.¹⁷ This unification in the identification and payment system reduces administrative complexity and improves the efficiency of contribution collection, contributing to the operational liquidity of the General Organization for Social Insurance. This approach minimizes potential errors and makes it easier for companies to fulfill their insurance obligations, thereby enhancing financial compliance.

For individuals, linking all insurance data to the national ID or Iqama number reflects a centralized approach to managing citizen and resident data. This data centralization facilitates cross-verification between government entities and enhances the accuracy of individual records across various government services. This approach ensures that insurance records are accurate and up-to-date, making it easier for individuals to access their entitlements and reducing the need for multiple identification numbers, thereby simplifying the user experience and improving the overall efficiency of the system.

V. GOSI Contribution Rates

6. What are the contribution rates for Saudi and non-Saudi employees for both the employee and the company in the General Organization for Social Insurance?

Contribution rates in the General Organization for Social Insurance in Saudi Arabia vary between Saudi and non-Saudi employees, and are divided between a share borne by the employee and a share borne by the employer.

Contribution Rates for Saudis:

Saudi employees are subject to the two main social insurance branches: the Annuities (Retirement) branch and the Unemployment Insurance (SANED) branch, in addition to the Occupational Hazards branch.

• Annuities (Retirement) Branch: The total contribution rate is 20% of the contributory wage, typically divided between:

  • Company Contribution: 10% of the employee's salary.¹⁹

  • Employee Contribution: 10% of the employee's salary (usually deducted from their salary).¹⁹

  • Note: The Annuities branch contribution rate may gradually increase by 0.5% per year to reach 11% instead of 9% (for the employee) and 11% (for the company).²⁰

• Unemployment Insurance (SANED) Branch: The total contribution rate is 2% of the contributory wage, divided between:

  • Company Contribution: 1% of the employee's salary.¹⁹

  • Employee Contribution: 1% of the employee's salary (usually deducted from their salary).¹⁹

• Occupational Hazards Branch: The contribution rate is 2% of the contributory wage, borne entirely by the employer.²¹

Contribution Rates for Non-Saudis:

Non-Saudi employees are subject to only one social insurance branch: the Occupational Hazards branch.

• Occupational Hazards Branch: The contribution rate is 2% of the contributory wage, borne entirely by the employer. No retirement or SANED contributions are deducted from non-Saudis' salaries.²¹

Examples of Contribution Breakdown (rates may vary based on updates):

• Total Contribution (with SANED): 11.75% company contribution + 9.75% employee contribution = 21.5%.¹⁹

• Total Contribution (without SANED): 11% company contribution + 9% employee contribution = 20% (these rates may be for the retirement branch only, as SANED represents 1% for each party).¹⁹

• Contribution for a Retired Employee Returning to Work: 2% company contribution, 0% employee contribution (borne by the company only).¹⁹

• Latest Rates (according to July updates): May reach 12.25% company contribution and 10.25% employee contribution, totaling 22.5%.¹⁹

The disparity in contribution rates between Saudi and non-Saudi employees reflects specific national policy objectives, primarily focused on providing long-term social protection for citizens (such as pensions and unemployment insurance) while offering basic occupational risk coverage for expatriates.¹⁹ This differentiation is a crucial aspect of national labor market regulation, aiming to support citizens in their career paths and ensure their long-term social security, while maintaining labor market flexibility concerning expatriate workers.

Furthermore, the varied contribution structures (such as employer-only contributions or shared contributions) and recent adjustments to these rates (such as "without SANED" options and recent July updates) indicate a dynamic regulatory environment.¹⁹ Companies must meticulously track these changes to ensure compliance and properly manage their payroll-related financial obligations. This complexity in contribution calculations underscores the need for robust human resource and payroll management systems that can adapt to regulatory changes and provide accurate calculations to ensure compliance and avoid penalties.

VI. Government Salary Support and Saudi Registration

8. How can Saudis register with the General Organization for Social Insurance and benefit from salary support from the Saudi government?

Registering Saudis with the General Organization for Social Insurance is a fundamental first step to benefit from government salary support programs. (Steps for individual registration were covered in Section III of this report). After registering with GOSI, establishments and Saudi employees can benefit from support programs offered by the government, most notably the Human Resources Development Fund (HRDF) programs.

Employment Support Program (HRDF):

The Employment Support Program is one of the key initiatives offered by the Human Resources Development Fund (HRDF) to support the employment of Saudi citizens in the private sector.22

• Responsible Entity: Human Resources Development Fund (HRDF).²²

• Program Objectives: The program aims to incentivize the employment of Saudi citizens in the private sector, increase their contribution to the labor market, and reduce unemployment rates among them.

• Target Group: The program is exclusively for Saudi citizens, whether they are new entrants to the labor market or have been out of work, provided they have not been supported by previous HRDF programs and meet the program's criteria.²²

• Mechanism for Calculating Support Amount: The Fund provides support starting with a fixed rate of 30% of the contributory wage registered with GOSI (basic salary + housing allowance) for the first and second years.²² The minimum wage eligible for support is SAR 4,000 and the maximum is SAR 15,000.²² The establishment is eligible for additional support according to campaigns launched by the Fund targeting specific economic sectors or job titles, or for categories such as females and people with disabilities, or in specific cities, governorates, and regions.²³ The total support amount does not exceed SAR 3,000 for the first and second years or 50% of the monthly wage, whichever is less.²²

• Eligibility Conditions for Support:

  • The beneficiary must not be a government employee or an employer.²³

  • The beneficiary must not have exceeded the allowed support period of 24 months.²³

  • The beneficiary must be registered with the social insurance system for the specified establishment.²³

  • The beneficiary must not be registered with any other establishment in social insurance during the support period.²³

  • The beneficiary must be registered on the unified national employment platform (Jadarat).²³

  • The minimum wage must not be less than SAR 4,000 and the maximum wage must not exceed SAR 15,000.²³

• Support Duration: 24 months (two years).²²

• Support Disbursement Mechanism: The support amount is deposited into the establishment's bank account entered in the system on the 28th of each Gregorian month.²² Disbursement procedures are automated.²²

• Registration Requirements: The grace period for the establishment to submit a support request is after 90 days from the employee's registration with social insurance (after the end of the probation period), and the application period is from day 91 to day 180 from the registration date.²³ The application cannot be submitted after 180 days.²³

Government salary support programs, linked to registration with the General Organization for Social Insurance, constitute a crucial component of the Saudization strategy in Saudi Arabia.²² These programs aim to incentivize the private sector to employ Saudi citizens, reduce unemployment rates among them, and align with broader economic diversification goals by strengthening the local workforce. This direct financial support to establishments reduces the initial cost of employing Saudis, encouraging companies to increase their Saudization rates, thereby achieving national development objectives.

Furthermore, the specific criteria for support eligibility, such as minimum and maximum salary thresholds, support duration, and additional incentives provided for specific categories like females and people with disabilities, indicate a targeted investment in human capital development.²³ This approach not only aims to increase employment opportunities but also seeks to enhance the skills and productivity of the Saudi workforce, ensuring the Kingdom's long-term economic competitiveness. By providing conditional financial support, the government encourages the employment of Saudis in value-added jobs and contributes to building a sustainable and qualified workforce for the future.

VII. Monthly Contribution Payment

9. Method of paying monthly contributions to the General Organization for Social Insurance.

The process of paying monthly contributions to the General Organization for Social Insurance is organized and streamlined, aiming to ensure easy and effective collection. Payments are primarily made by the employer for mandatory contributors, while individuals can pay due amounts or optional contributions through specific channels.

For Establishments (Employers):

Payments are made by the employer through the Sadad government payment system, where the payment number is the same as the establishment's subscription number.17 This unification greatly simplifies the payment process.

• Sadad System: It is the national payment system in Saudi Arabia, linking banks and government and private entities to simplify the process of paying bills and fees. Employers can pay social insurance bills through electronic banking services (online or mobile applications) or ATMs, using the establishment's subscription number as the biller code.¹⁷

• Direct Debit: Some systems offer a direct debit option for monthly bill installments or to submit a monthly direct debit request for establishments that pay regularly.²⁶ This requires submitting an automated request to reception centers without the need for personal attendance, along with documents such as a service request form, a copy of the ID card for the employer/authorized person, a copy of the commercial registration, a bank statement for the last 3 months, and a copy of the international bank account number (IBAN).²⁶

• Electronic Services (Settlement of Due Amounts): The organization provides an electronic service for settling due amounts, which allows beneficiaries to repay amounts disbursed without right or amounts owed to the social insurance account.⁷ Steps include clicking "Start Service" and logging in, selecting benefits, specifying the benefit type, and entering the amount to be paid.⁷

For Individuals (for Optional Contributions or Due Amounts):

While mandatory contributions are deducted from employees' salaries by employers, individuals can pay their optional contributions or amounts owed.

• Settlement of Due Amounts: Individuals can pay due amounts in the same way mentioned for establishments through the organization's electronic services.⁷

• Electronic Payment: Optional contributions are expected to be paid through available electronic channels, such as the Sadad system, using the national ID number as the contributor's identifier.

The reliance on the "Sadad" system and direct debit options for monthly contribution payments confirms the existence of a robust digital payment infrastructure in the Kingdom.¹⁷ This system simplifies the payment process for businesses, enhances efficiency, and ensures timely collection of funds, which is vital for the operational liquidity of the General Organization for Social Insurance. This advanced infrastructure contributes to reducing administrative burdens on companies and facilitating financial compliance, reflecting the government's commitment to a digital and efficient business environment.

Furthermore, the integration of GOSI payments with the organization's electronic services, such as invoice dashboards and debt installment options, reinforces a strong framework for financial governance and compliance.⁹ This digital oversight allows the organization to monitor contributions, identify any discrepancies, and effectively enforce regulations, contributing to the financial health of the social insurance system. This integration ensures that financial data is accurate and up-to-date, supporting sound decision-making and maintaining the long-term sustainability of the insurance fund.

VIII. Biller Code in Saudi Banks

10. General Organization for Social Insurance subscription code in Saudi banks.

When paying monthly contributions or any amounts due to the General Organization for Social Insurance through Saudi banks, a specific biller code is used within the "Sadad" government payment system. This code is the identifier that enables banks to direct payments to the correct government entity.

Biller Code in Sadad System:

The biller code for the General Organization for Social Insurance in the Sadad system is 060.25

This code is used when making payments through various banking channels such as online banking, smart banking applications, or ATMs.

Importance of the Code:

• Facilitating Payment: This code simplifies the process of paying contributions and dues, as the user does not need to know the organization's bank account details; it is sufficient to enter the biller code and the establishment's subscription number (or the individual's insurance number in some cases).

• Standardizing Procedures: It ensures the standardization of payment procedures for all government entities through the Sadad system, which increases the efficiency and transparency of financial transactions.

The existence of a specific biller code for the General Organization for Social Insurance within the "Sadad" system confirms the unification of government payment systems in Saudi Arabia.²⁵ This unification simplifies financial transactions for individuals and businesses across all Saudi banks, reducing errors and increasing efficiency in revenue collection for public entities. It represents a fundamental step towards a smoother and more effective national financial system, where users can make government payments easily and confidently.

Furthermore, the integration of GOSI payments into the national "Sadad" system embodies the broader digital transformation of financial services in the Kingdom. This integration allows for automated and seamless payment processing, contributing to the overall ease of doing business and enhancing financial transparency within the Saudi economy. This approach not only benefits the organization in terms of collecting contributions but also improves the user experience by providing convenient and reliable payment channels.

IX. Integration Between National Platforms and GOSI

The General Organization for Social Insurance integrates with a number of key national platforms in Saudi Arabia, enhancing the efficiency and comprehensiveness of government services and ensuring seamless data exchange between different entities.

11. What is the link between the Mudad platform and the General Organization for Social Insurance?

Mudad Platform:

The "Mudad" platform is one of the official initiatives of the General Organization for Social Insurance, launched in effective partnership with Takamol Holding Company and with the support of the Ministry of Human Resources and Social Development.27 Mudad serves as the official interface for the Wage Protection Program, aiming to enable establishments to prove wage payments and provide integrated digital solutions to facilitate administrative and financial procedures for establishments, through its payroll management system and compliance system.28

Integration with GOSI:

The integration between the "Mudad" platform and the General Organization for Social Insurance is very close, as "Mudad" is essentially an initiative of the organization.27 This integration aims to facilitate procedures through direct linking with relevant entities, and to empower and support establishment owners to fully benefit from the Wage Protection Program.27

• Wage Protection Program: Since its launch, the "Mudad" platform has enabled all categories of establishments to comply with the Wage Protection Program, and has provided easy solutions for wage disbursement compliance and file submission to the system through simple and systematic procedures that have contributed to increasing establishment compliance.²⁷

• Direct Bank Integration: "Mudad" launched a direct integration service with the Wage Protection Program with banks and financial institutions to enable them to automatically send their clients' Wage Protection files.²⁷ This means that the establishment's representative can send the payroll and upload the Wage Protection file directly through the bank without needing to upload it via the "Mudad" platform.²⁷

• Tracking Integration Status: Systems like "Spider HR" provide advanced reports that help track the integration status with social insurance accurately and transparently, including a detailed list of employees by registration status and an automatic monthly report showing the number of registered employees and pending or rejected requests.²⁹

The direct integration of the "Mudad" platform with the General Organization for Social Insurance and banks for the Wage Protection Program represents a critically important government initiative to ensure fair and timely wage payments.²⁷ This linkage enhances transparency in the labor market, protects employee rights, and strengthens compliance with labor laws, which is vital for maintaining social stability and attracting foreign investment. By automating the payroll file submission process, human errors and delays are reduced, ensuring a fairer and more organized work environment.

Furthermore, the automated transfer of payroll data from banks to "Mudad" and then implicitly to the General Organization for Social Insurance demonstrates an advanced level of data coordination across government and financial sectors.²⁷ This integration reduces the need for manual reporting, minimizes discrepancies, and provides immediate insights into labor market dynamics. This integrated data enables policymakers to formulate more informed policies and helps identify trends and potential issues in the labor market more quickly, supporting an effective response to economic and social challenges.

12. What is the link between the Qiwa platform and the General Organization for Social Insurance?

Qiwa Platform:

The "Qiwa" platform is a comprehensive digital platform that provides all labor system services in Saudi Arabia.28 This platform enables various parties in the labor market (employees, and government and private establishments) to organize and track all their transactions in an automated and immediate manner without the need for paper transactions.28

Integration with GOSI:

There is a close and direct link between the "Qiwa" platform and the General Organization for Social Insurance for documenting employee contracts.30 This link is vital to ensure the accuracy and legitimacy of employment data.

• Contract Documentation: When a new employee is registered with social insurance, their registration remains pending until their employment contract is documented on the "Qiwa" platform.³⁰ Once the contract is documented on "Qiwa," it is automatically reflected in social insurance, and the employee becomes an active contributor.³⁰

• Flexible Registration: Establishments can now register the employee with social insurance first or create the contract on "Qiwa" first, as registration with social insurance becomes active once the contract is documented on "Qiwa".³⁰

The direct link between the "Qiwa" platform and the General Organization for Social Insurance for contract documentation and employee registration creates a unified digital ecosystem for labor management.³⁰ This integration simplifies HR procedures for companies, ensures legal compliance of employment contracts, and provides a single reliable source of employee data across government platforms. By unifying these processes, duplication of data entry is reduced, and record accuracy is improved, leading to greater operational efficiency for both establishments and government entities.

Furthermore, by requiring contract documentation on "Qiwa" for employee registration with social insurance, the system strengthens the legal framework governing employment relationships between employers and employees.³⁰ This transparency and formalization of contracts help protect the rights of both parties, reduce disputes, and contribute to building a more stable and organized labor market. This approach fosters trust between parties and ensures that all aspects of employment comply with applicable regulations, supporting a fair and legally protected work environment.

13. What is the link between the Muqeem platform and the General Organization for Social Insurance?

Muqeem Platform:

The "Muqeem" platform is a service affiliated with the Saudi Ministry of Interior (represented by the General Directorate of Passports) concerned with managing the affairs of residents in the Kingdom, including issuing and renewing Iqamas, exit and re-entry visas, travel permits, and other services related to residents' legal status.31

Integration with GOSI:

Although the provided research materials do not directly detail a direct API link between the "Muqeem" platform and the General Organization for Social Insurance, the nature of both platforms' operations necessitates some form of coordination or data exchange. "Muqeem" manages expatriate residency data, while GOSI covers social insurance for expatriates (especially the Occupational Hazards branch).21

• Expatriate Worker Data Update: The Ministry of Human Resources and Social Development provides services to update resident worker data, such as changing professions, to ensure their work matches their actual activities and to correct their profession according to the Saudi Classification Guide.³³ These updates must be reflected in social insurance records to ensure accurate contributions and entitlements.

• Indirect Integration: This coordination is often achieved through integrated human resource management systems (such as Jisr) that link to both platforms.³¹ When any operation is performed in "Muqeem" through an integrated system, the information related to the operation is automatically and immediately updated in the employee's file.³¹ This indicates that updates to resident data directly or indirectly affect their social insurance records.

• Security and Verification: When logging into "Muqeem" through other systems, "Muqeem" user data must be entered to verify the authorized user's validity, which enhances security and prevents unauthorized access to data.³¹

Coordination or synchronization between the "Muqeem" platform (for residency affairs management) and the General Organization for Social Insurance (for social insurance) is essential for comprehensive management of the expatriate workforce.²¹ This integration ensures that the legal status of expatriate workers is accurately reflected in their social insurance records, which is crucial for compliance and the provision of relevant benefits, such as occupational hazard coverage. This synchronization ensures that expatriate employee data is consistent and up-to-date across various government entities, reducing discrepancies and facilitating administrative processes.

Furthermore, the interconnectedness of these platforms supports robust regulatory oversight. By linking residency data with employment and social insurance records, the government can better monitor labor market dynamics, combat illegal employment, and ensure that all workers receive their due protection.³³ This enhances data accuracy and compliance on a broad scale, contributing to a regulated and fair work environment and reducing risks associated with irregular labor.

14. What is the link between the HRDF and Tamheer programs and the General Organization for Social Insurance?

HRDF and Tamheer Programs:

• Human Resources Development Fund (HRDF): Is the government entity responsible for supporting and developing the national workforce in Saudi Arabia, and providing programs and initiatives aimed at increasing the employment of Saudis and qualifying them for the labor market.³⁴

• Tamheer Program: Is one of HRDF's on-the-job training programs, dedicated to graduates (Bachelor's and Diploma holders) or those who have spent six months in social insurance and have passed 60 days from their exclusion date.³⁵ The program aims to provide graduates with the practical experience necessary to enter the labor market, and it is not a direct employment program.³⁵

Integration with GOSI:

The relationship between the "HRDF" and "Tamheer" programs and the General Organization for Social Insurance revolves around eligibility conditions and the impact of registration in one program on the other.

• Tamheer's Impact on Social Insurance Salary: The Human Resources Development Fund (HRDF) clarified that registration in the "Tamheer" program does not affect the salary an individual receives from social insurance.³⁴ This means that the stipend received by a trainee in "Tamheer" is not considered a contributory wage for social insurance.

• Eligibility Conditions for Tamheer Registration: It is required that the applicant for the "Tamheer" program not be registered in social insurance or civil service systems during the six months prior to the application date.³⁴ It is also required that the applicant not be employed in the private or government sector at the same time.³⁵ If the applicant was previously employed, they can benefit from "Tamheer" after 60 days from their exclusion date from social insurance.³⁵

• Purely Training Program: HRDF confirms that the "Tamheer" program is purely a training program and is not considered employment, and therefore the trainee is not registered as an employee in social insurance during the training period.³⁵

The relationship between "HRDF" and "Tamheer" (training programs) and the General Organization for Social Insurance (social insurance) highlights a coordinated national effort to develop the Saudi workforce and facilitate their entry into the labor market.³⁴ HRDF's clarification that "Tamheer" registration does not affect social insurance salary indicates a coordinated approach to supporting skill development without compromising social security benefits. This coordination ensures that training programs do not conflict with social insurance entitlements, providing a clear path for graduates and job seekers.

Furthermore, the requirement that "Tamheer" applicants not be registered with social insurance (or civil service) for a certain period, or have passed 60 days since their exclusion, indicates a strategic focus on supporting new graduates or those returning to the labor market.³⁴ This ensures that government training and support programs are directed towards the categories most in need of entering or re-entering the professional path, while maintaining the integrity of social insurance records. This targeted approach contributes to building a qualified workforce that meets labor market needs, while ensuring that government support reaches eligible recipients effectively.

X. Role and Services of Motaded Limited Company

15. Role of Motaded Limited Company in assisting investors in the General Organization for Social Insurance.

Inquiries about "Motaded Limited Company" indicate the need to clarify the role of different entities associated with the General Organization for Social Insurance. Based on the available research materials, there is no direct association or mention of "Motaded Limited Company's" role in specifically assisting investors with social insurance services. Companies with similar names such as "Motaded LTD" in Jordan or "Motaded Business Group for Projects" (MBG) in Saudi Arabia operate in fields such as manufacturing, contracting, and trading of building materials, and do not appear to have a direct relationship with social insurance services for investors.³⁶

However, it is important to note the existence of entities wholly owned by the General Organization for Social Insurance itself, which provide digital and business services that may indirectly serve investors by facilitating their dealings with the organization. The most prominent of these entities is Masdr Company.

The ambiguity surrounding "Motaded Limited Company" in the context of social insurance services for investors underscores the importance of precise identification of entities in complex regulatory environments. Although there is no direct link to a company with this name in the available materials, the existence of entities owned by the General Organization for Social Insurance, such as "Masdr Company" which provides digital solutions and business services, indicates the organization's strategic involvement in supporting businesses through technology.³⁸ This highlights the need for a clear understanding of the roles of various entities within the ecosystem to ensure maximum benefit from available services.

16. Services of Motaded Limited Company in the General Organization for Social Insurance.

As mentioned earlier, there is no direct information in the research materials indicating that "Motaded Limited Company" provides specific services within the framework of the General Organization for Social Insurance. However, the role of Masdr Company, a company wholly owned by the General Organization for Social Insurance, can be highlighted. Masdr was established in 2018 with the aim of enhancing well-being and prosperity through a range of products and services provided to individuals, government entities, and private entities.³⁸

Services of Masdr Company (Owned by GOSI):

Masdr Company was established to be the primary source of data solutions and digital business services in Saudi Arabia.38

• Objectives: It aims to enhance well-being and prosperity by providing innovative products and services.³⁸

• Products and Services:

  • Launch of Mudad Platform: "Masdr" launched the "Mudad" platform as the official interface for the Wage Protection Program in partnership with the Ministry of Human Resources and Social Development, to facilitate administrative and financial procedures for establishments.³⁸

  • Data Products: "Masdr" expanded its services to support digital transformation in various sectors through data products such as "Mofeed," "Akeed," and "Masdr A'mali".³⁸ These products provide valuable analytical and informational solutions for various entities.

  • Customer Service and Virtual Visit "Indak": The company invested in business products and began offering the customer service and virtual visit product "Indak," to enhance user experience and develop digital services.³⁸

  • Digital Human "Labeeb": "Masdr" introduced the "Labeeb" digital human character that communicates with users in natural language, both audibly, textually, and visually, keeping pace with global technological developments.³⁸

• Impact: "Masdr" has served over 8 million beneficiaries of financial and insurance sector services, over 1 million sessions through business products, and over 160 million inquiry operations for government entities.³⁸

The role of "Masdr" company as a strategic digital arm of the General Organization for Social Insurance illustrates the organization's proactive strategy to enhance its digital capabilities and expand its reach into the digital services market.³⁸ This approach allows the organization to develop innovative solutions, such as the "Mudad" platform, which directly support its core functions and improve the experience of individuals and businesses in dealing with the social insurance system. This reflects the organization's commitment to leveraging technology to improve operational efficiency and deliver more sophisticated services.

Furthermore, "Masdr's" diverse offerings, including data products (such as "Mofeed" and "Akeed") and customer service solutions (such as "Indak"), indicate the organization's commitment to developing a broader ecosystem of value-added digital services.³⁸ This not only improves the organization's internal operations but also provides tools that can help businesses and individuals navigate the social insurance landscape more effectively. Through these initiatives, the General Organization for Social Insurance strengthens its role as a leading provider of digital public services, contributing to the achievement of the Kingdom's overall digital transformation goals.