Social Insurance in Saudi Arabia 2026 — A Comprehensive Guide to Subscription and Inquiry

Social insurance in the Kingdom of Saudi Arabia is one of the most important pillars of social protection for citizens, providing a comprehensive system of insurance coverage for employees in both the public and private sectors. In this comprehensive guide, we review everything you want to know about the social insurance system in Saudi Arabia for 2026, from subscription to inquiry and compensation payment.

What is Social Insurance?

The General Organization for Social Insurance (GOSI) is the government agency responsible for implementing the social insurance system in the Kingdom. The organization aims to provide insurance protection for workers in the private and public sectors, and includes several main branches:

  • Pension Branch: covers employees in the private and public sectors, including old-age, disability, and death insurance.
  • Occupational Hazards Branch: covers work injuries and occupational diseases.
  • SANED System: provides compensation for temporarily unemployed individuals.
  • Extensions: includes optional insurance and optional continuation for workers whose services have ended.

How to Subscribe to Social Insurance

Subscription to social insurance is mandatory for all employees in the private sector subject to the Labor Law, as well as for employees in the public sector. Here are the steps to subscribe:

1. Employer Subscription (Establishments)

  1. Register the establishment through the Taminiati electronic portal on the organization’s website.
  2. Enter the commercial registration and necessary licenses.
  3. Register employees and enter their data (name, ID number, salary, contract date).
  4. Determine the subscription rates according to the category (Saudi/non-Saudi).
  5. Subscription is mandatory for Saudis at a rate of 22% of the salary (9% borne by the employee, 13% borne by the establishment).

2. Optional Subscription

Workers whose services have ended or those working on their own account can optionally subscribe to social insurance, according to the following conditions:

  • The subscriber must be a Saudi national.
  • The age must not be less than 18 years and not more than 60 years.
  • Paying the monthly subscription fee (ranging from 450 – 1200 riyals according to preference).
  • Registration is done through the Taminiati portal or by visiting the nearest branch of the organization.

How to Inquire about Social Insurance

The Social Insurance website provides several easy ways to inquire about subscriptions, insurance period, and retirement salary:

Inquiry through the “Taminiati” Electronic Website

  1. Log in to the Taminiati website (taminaati.gosi.gov.sa).
  2. Log in using the username and password.
    1. The Unified National Access (Absher).
    2. Choose the service you want to inquire about (subscription period, pension salary, compensation).
    3. Display the detailed report that includes the start date of subscription and the total recorded period.

    Inquiring about the Pension Salary

    The subscriber can inquire about the expected pension salary at the age of retirement (60 years for men, 55 years for women) through the pension calculator available on the Insurance website, where the pension value is calculated based on:

    • The average salary during the last two years of subscription.
    • The total subscription period (in months).
    • The pension percentage (2.5% for each year of subscription).
    • The minimum pension is 1,500 Saudi riyals.

    Sanad System — Unemployment Compensation

    Sanad System is one of the most important branches of Social Insurance, aiming to provide temporary financial compensation to Saudi workers when the employment relationship ends involuntarily. Here are the details of the system:

    Compensation Period

    • First Stage: 3 months at 60% of the average registered salary.
    • Second Stage: 3 months at 50% of the average registered salary.
    • The total compensation period is 6 months maximum.
    • The maximum monthly compensation is 9,000 Saudi riyals.

    Sanad Eligibility Conditions

    • The subscriber must be a Saudi national.
    • Must not have been dismissed from work for disciplinary reasons.
    • The subscription period in insurance must not be less than 12 months.
    • The subscriber’s age must not exceed 60 years.
    • Must be able and willing to work.
    • Registration in Taqat and the Human Resources Development Fund.

    Other Compensation (Occupational Hazards)

    The Occupational Hazards Branch in Social Insurance provides compensation to workers who are exposed to work injuries or occupational diseases, including:

    • Full Permanent Disability Compensation: a monthly pension at 100% of the average salary.
    • Partial Permanent Disability Compensation: a percentage of the pension according to the determined disability percentage.
    • Temporary Disability Compensation: 75% of the daily salary for the treatment interruption period.
    • Death Compensation: a monthly pension for the beneficiaries at 100% of the average salary.
    • Treatment and Transportation Expenses: fully borne by the institution.

    Frequently Asked Questions about Social Insurance

    How do I know my Social Insurance number?

    The Social Insurance number is the same as the Saudi National ID number. You can inquire about your subscription period through the Tammuni portal using your ID number.

    Can I combine the retirement salary with the job salary?

    Yes, the retiree can combine the retirement salary with the job salary.

    When are social insurance benefits paid?

    Social insurance benefits (retirement pensions) are paid on the first day of each Gregorian month. As for Sanad benefits, they are paid on the 10th of each month.

    How do I contact Social Insurance?

    • Unified phone number: 8001243344
    • Institution’s website: gosi.gov.sa
    • Taminaati portal: taminaati.gosi.gov.sa
    • Smartphone application: available for iOS and Android devices.

    In conclusion

    Social insurance in Saudi Arabia is a developed system that ensures financial protection for citizens at various stages of their lives. It is essential for every employee and business owner to understand their rights and obligations towards this vital system. We recommend visiting the institution’s electronic website and taking advantage of the available digital services, and ensuring regular registration of subscriptions to avoid any interruption in insurance coverage.

    To inquire about your subscription period or calculate your retirement pension, visit the Taminaati portal now and log in using your Absheer account.