IHS 514

SAUDI ARABIA REGULATIONS –

GOSI
Occupational Hazard Contribution
• Occupational hazards system is mandatory for all workers in the Saudi labor
market, and the participation rate is 2% of the wage paid by the employer fully
• Rate of contribution may be increased to double the amount for employers who
refuse to abide by the instructions issued by the competent authorities in regard of
the safety and health of workers

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 https://www.gosi.gov.sa/GOSIOnline/
Occupational_Hazards_Branch?locale=ar_SA

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 https://www.gosi.gov.sa/GOSIOnline/FAQ_OH?locale=ar_SA

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What is an Occupational Injury?
• Injury is considered an occupational injury in any of the following cases – Article
(27) of the Law:
– Accident sustained by the contributor during work or from which it resulted
– Accident sustained by the contributor on his way from his residence to his
place of work and vice versa, or while en route from his place of work to the
place where he eats his meals or perform his prayers and vice versa
– Accident sustained by the contributor during his movements in order to
perform the tasks entrusted to him by the employer
– Any disease sustained by the contributor found to be caused by work.
– Any disease sustained by the contributor specified in the table of occupational
diseases
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What is an Occupational Injury?
• Occupational disease duly determined in accordance with the occupational:
a) Date of the first medical diagnosis of the disease is regarded as the date on which
the injury is sustained

b) GOSI's liability to award the benefits prescribed under the Law takes effect on the
date of cessation of the contributor’s engagement in employment or occupation

• No benefit is payable for the occupational disease if it is established by the Medical

Board that such disease in its state has been contracted by the injured person prior
to the commencement of his contribution to the Occupational Hazards Branch

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Report an Injury
• 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
• 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
• Claiming for the daily injury allowance as well as the transportation and
accommodation allowances and the funeral grant after the expiry of one year will
not be accepted

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Employer’s Role at the Time of Injury
• Employer should immediately provide the necessary first-aid, carry the injured
person, if necessary, to the treatment center already designated for him and
entered into contract with GOSI or to the public hospitals or health centers
belonging thereto

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What is Covered??
• Occupational Hazards Branch covers the employment injuries occurring within the Kingdom of Saudi
Arabia except the following cases:
• The crews of the Saudi aircrafts: They continue to be covered under the Occupational Hazards
Branch while on board or on their way from the airport to their place of residence or vice versa in the
countries to which such aircrafts fly outside the Kingdom. If any of the crew members is injured
during that time, the employer arranges for his medical treatment in the country in which the injury is
sustained, if necessary. GOSI refunds him the treatment expenses in accordance with the prices
agreed with the treatment bodies contracted with GOSI in the Kingdom and within the limits
determined by the Medical Board as to the requirements and duration of treatment. Should the
injured person continue to be in need of the treatment after his return to the Kingdom, the employer
moves him to the medical center previously designated by GOSI for the treatment of his workers.
GOSI pays the treatment expenses and daily allowances due as provided earlier.
• The crews of the Saudi land and sea means of transportation: They continue to be covered under
the Occupational Hazards Branch during the international trips outside the Kingdom in accordance
with such controls.

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BENEFITS OF THE OCCUPATIONAL
HAZARDS BRANCH
Extent The Employer Is Committed To Pay Compensation
• GOSI is obliged to pay compensation to the contributor or his family members
• Employer is obligated to pay unless the injury was deliberately caused by the
employee or due to his mistake or lack of respect to the rules or regulations relating
to occupational health and safety at work
• No payment if injury is a result of a criminal act by the beneficiary

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Medical Care
• Occupational Hazards Branch provides the following benefits:
– GOSI provides a comprehensive medical care in hospitals and medical
centers that GOSI contracted with in order to treat those who sustained
occupational injuries
– Done without time limits so long that the medical treatment is needed
– Medical care includes diagnoses, treatments, medicine, medical supplies and
prosthetics

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Medical Care – Treatment
• Treatment of disfiguration resulting from the injury to enable the injured person to continue performance of his
work satisfactorily, or because the disfiguration affects his normal social life.
• Rehabilitation of the injured person and preparing him physically and professionally if his condition so requires.
• Provision and maintenance of artificial limbs and compensatory appliances and the like and replacement
thereof, as needed, within the Kingdom, if their damage or breakage is not due to the injured person's
negligence or his failure to observe treatment instructions.
• Treatment of illness which will result in the injured person's recovery from the employment injury as determined
by the treatment body.
• Treatment of illness that may be caused to the injured person sustaining an employment injury during his
admission to the hospital for the treatment of the injury regardless whether such illness is caused by the
complications of the injury or results from the method of treatment or caused by infectious virus arising out of his
hospitalization for the treatment of his employment injury or due to his exposure to casual incident during his
hospitalization for that purpose. The disability resulting from the said illness cases will not be considered as an
employment injury unless the illness is caused by complications of the injury.
• Treatment of deterioration or complication of the injury notwithstanding that the injured person may have not
been in an employment covered under the Law at the time of occurrence of the injury

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What are the cases in which the benefits of the family members
of the contributor become due?
• The benefits of the family members of the contributor become due in the following
cases:
– If the contributor dies as a result of an employment injury.
– If a recipient of a permanent total or partial disability benefit dies.
– If the conditions entitling the injured person to a permanent total or partial disability
benefit were satisfied before he died regardless of the reasons for his death.
– If the injured person dies before his condition is stabilized as a result of the injury.
– If the injured person dies as a result of the deterioration or complication of the
employment injury.

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Disability %ages Combined for Repeatedly sustained injuries
• disability percentages can be combined for repeatedly sustained injuries and the
injured person will accordingly be entitled to a monthly benefit or lump sum
compensation on the basis of the total of these percentages

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what is the legal status of the injured contributor who had received a
previous compensation or a lump sum, is injured again ?
• The status of the partial disability holder who suffered a new injury is determined as follows:
– In the case of partial disability, a new injury is brought to the rate of disability. In this case, a new return is
calculated on the basis of the total damage, ie, the total of the two disability rates, provided that the total
deficit is not exceeded (100%). The first or average wage for the second injury is better for the contributor
– (B) In the event that the injured contributor received a lump sum compensation and suffered a new injury
that led to a disability rate and the total disability ratio was 50% or more, he shall receive a disability
benefit according to the above, with a deduction of the previous compensation amount. Remaining
installments in case of suspension of return or death
– C. The percentage of disability resulting from the various injuries shall be included even if the injury does
not result in the return of the injured person if this would increase the value of the lump sum
compensation.

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CASH COMPENSATIONS
Daily Allowances
• If the occupational injury led to a temporary disability to the injured and can not do
his work, he is entitled to a daily allowance for each day of his disability by 100% of
the daily wage of the injured. It is reduced to 75% if the injured is under treatment at
the expense of GOSI. The allowance is paid in the case of in-patient or sick leave
• Wage and daily allowance may not be combined, nor the wage with the benefit.
Allowance is paid as of the day following the day of injury occurrence until the
injured has restored his ability to work, recovered, proven permanent disability or
died
• Injured receives transportation and residence expenses for himself and his
companion if the medical board decides the necessity of a companion being present

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Benefit For Total Permanent Disability
• If the injury leads to a total permanent disability of the Saudi contributor – monthly
benefit of 100% of the average wage during the last three months of the month
when the injury occurred
• Contributor receiving a total disability benefit is periodically examined by the
competent medical board for a period of five years after the date of payment of
benefit. The benefit is re-considered on the basis of the degree of disability which is
determined
• If the competent medical board decides that there is a need for the injured
contributor to have the Assistant of Others allowance, he also receives it at a rate of
50% of the value of benefit provided that it does not exceed more than SAR 3,500.
The contributor will be periodically examined for a period of ten years to assess the
continuing need for such an allowance. After that, it becomes permanent.

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Benefit For Total Permanent Disability
• Example of a permanent total disability:
– An injured Saudi contributor whose percentage of disability is 100%. What is
he entitled to if the average of his wage is SAR 5,000?
– He is entitled to a monthly benefit and is calculated as follows: 5,000  100% =
SAR 5,000 per month
– If he needs the assistance of others, he is granted 50% of the benefit: 5,000 
50% = SAR 2,500
– The total benefit: 5,000  2,500 = SAR 7,500
– In case the Saudi contributor dies due to a work injury, or the receiver of a total
or partial permanent disability dies, the family members are paid a monthly
benefit. The minimum for the benefit is SAR 1,750
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Benefit For Partial Disability
• If the injury leads to a partial disability of the contributor by 50% to 99%, the contributor
receives a benefit equaling the percentage of his disability from the total disability. The
injured will be entitled to the allowance of Assistance of Others if the medical board
decides his eligibility, subject to the previous provisions of medical examinations whether
to the benefit or the allowance of assistance of others
• Example of permanent partial disability:
– An injured Saudi contributor whose percentage of disability is 60%. What is he
entitled to if his average wage is SAR 5,000
– He is entitled to a monthly benefit and is calculated as follows: 5,000  60% = SAR
3,000 per month
– If he needs the assistance of others, he is granted 50% of the benefit: 3,000  50%
= SAR 1,500
– Total of benefit: 3,000 1,500 = SAR 4,500 per month
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Lump Sum Compensation For Permanent Disability
• If the percentage of disability is less that 50%, the injured (whether Saudi or non-
Saudi) is entitled to a lump sum compensation, and is calculated on the basis of the
percentage of such disability multiplied by the total disability, limited by the
following:
1. If the age of the injured contributor did not exceed forty, he receives a lump
sum compensation equaling 60 times the monthly benefit (value of total
disability benefit  disability percentage  60 times)
2. If the age of the contributor is over forty, the compensation is reduced by the
number of monthly benefit equaling to the number of years exceeding forty,
provided that the compensation does not become less than 36 times its value
• Lump sum compensation in paragraphs (1 & 2) must not exceed the amount of
SAR 165,000
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Lump Sum Compensation For Permanent Disability
• Example:
– An injured aging 39 year whose percentage of disability is 48% and his
average wage during the three months preceding the month in which the injury
occurred is SAR 2,000
– Compensation is calculated as follows:
2,000  48%  60 = SAR 57,600
– Assuming that the injured is 54-year-old, the compensation will drop 14 time,
becoming (60 – 14 = 46). Thus, the value of compensation is:
2,000  48%  46 = SAR 44,160

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Lump Sum Compensation Paid To a Non-Saudi Contributor
• In the event that the non-Saudi contributor sustains a work injury, he will be
compensated with a lump sum instead of a benefit as follows:
– If the injury resulted in a permanent total disability (100%), the injured is
entitled to a lump sum compensation of 84 months of the benefit value, which
he was supposed to receive it up to a maximum of SAR 330,000. The
calculation of the compensation takes into account the amount of the
assistance of others allowance decided by the competent medical board
– For example, if the contributor wage is SR 4,000 and his disability percentage
is 100%, the compensation amount is 4,000  84 = SR 336,000. This resulting
amount exceeds the maximum limit prescribed by the Law. Therefore, it is
reduced to SR 330,000

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Lump Sum Compensation Paid To a Non-Saudi Contributor
• If injury resulted in a partial disability with a percentage of 50% to 99%, the injured
is entitled to a lump sum compensation equivalent to 60 months from the value of
the assumed benefit up to a maximum of SAR 165,000
• For example, if the contributor wage is SR 2,000 and his disability percentage is
55%, the compensation amount is 2,000  55%  60 = SAR 66,000
• If the injury resulted in the death of the contributor, his family members receive a
lump sum compensation equivalent to 84 months, calculated on the basis of the
benefit, which he was supposed to receive up to a maximum of SAR 330,000. It is
equally distributed among the family members

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When Is The Entitlement To The Daily Allowance Terminated?
• The entitlement to the daily allowance is terminated in the following cases:
a) If the injured person regains his capacity for work and is completely cured of
his injury. This is determined by a decision of the treatment body or the
appropriate Medical Board
b) If the Primary Medical Board decides that his treatment is completed after his
discharge from the hospital and his condition is stabilized with an inherent
permanent disability, be it total or partial
c) If the injured person dies
• The entitlement to daily allowance will not expire with the termination or suspension
of employment relationship for any reason during the disability period

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Expenses of Preparing & Transporting of Body
• GOSI bears all the expenses for the transport of the body of the contributor who
dies as a result of an employment injury or the deceased recipient of a permanent
disability benefit, to his home country

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Expenses of Transporting of Injured
• Injured person may be moved from the treatment body to his home country if it is
discovered that his physical condition is hopeless and, a permanent total disability is
existing and there is a need for other's help in his movement and performance of his
everyday life activities, in which case the employer will complete the formalities for
moving him and pay the expenses thereof
• GOSI will refund the cost of the economy class air-ticket of each the injured person
and his companion in addition to the costs of such medical facilities as the Primary
Medical Board deems necessary for the injured person

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TABLE OF OCCUPATIONAL DISEASES
 ‫األمراض المهنية‬
‫• المرض المهني هو المرض الذي يصاب به المشترك نتيجة ممارسته لعمل أو مهنة معينة‪ ،‬وتستند‬
‫اللجان الطبي ة المختص ة ف ي اعتبار المرض مهني ا وبشك ل أس اسي عل ى التاري خ الط بي والمهن ي‬
‫واألعراض المهنية باإلضاف ة إلى الفحوصات األولية قبل العمل والفحوصات الدورية‪ ،‬والتقارير‬
‫الطبية‪ ،‬والفحوصات المخبرية للمشترك الى جانب قياسات أو اختبارات العامل المتعرض له في‬
‫بيئة العمل إن وجدت‪ ،‬ومقارنتها بالقيم المسموح بها دوليا‬
‫• يشترط العتبار المرض مهنيا ً أ ن يكون مدرجا ً ضم ن جدول األمراض المهني ة‪ ،‬وأ ن تكون المهن ة‬
‫التي سببت للمشترك هذا المرض من المهن المحددة بالجدول المذكور‪ ،‬وفي غير ذلك تعرض على‬
‫المحافظ الحاالت التي تتوافر فيها أدلة على أن المرض كان بسبب العمل وغير ذلك فإنه ال يستحق‬
‫التعويض عن المرض المهني إذا ثبت للجنة الطبية أن هذا المرض بحالته ظهر على المصاب قبل‬
‫تاريخ بدء اشتراكه في فرع األخطار المهنية‬

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 ‫تصنيف االمراض المهنية‬
‫• األمراض المهنية طبقا للعامل المسبب‪:‬‬
‫– عوامل فيزيائية‬
‫– عوامل كيميائية‬
‫– عوامل حيوية‬
‫• األمراض المهنية طبقا لألجهزة المستهدفة‪:‬‬
‫– أمراض الجهاز التنفسي المهنية‬
‫– أمراض الجلد المهنية (غير السرطانية)‬
‫– اعتالالت الجهاز العضلي الهيكلي المرتبطة بالعمل‬

‫‪OCCUPATIONAL‬‬
‫• أمراض السرطان المهنية‬
‫‪DISEASES‬‬
‫‪MANUAL‬‬ ‫• أمراض مهنية أخرى‬
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Can the Injured Person Resort to a Licensed Private Treatment
Body?
• In emergency cases, the injured person may resort to a licensed private treatment
body such as a physician, private medical clinic or private hospital, provided that his
condition does not tolerate transporting him to the treatment body already
designated by GOSI, and that the injured person or the employer should notify the
appropriate office to this effect within three days from the date of resort to the said
treatment body. The Office physician will decide whether or not an emergency case
exists. The Office Director may, for justifiable reasons, forego the delay in reporting
• GOSI has the right to transfer the injured person to the treatment body already
designated if his condition allows such transfer
• GOSI will pay the expenses of the treatment of the injured person at the treatment
bodies referred to (a physician, private medical clinic or private hospital)

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Can the Injured Person Resort to a Licensed Private Treatment
Body?
• If the required medical treatment is not available at the treatment body entered into
contract with GOSI where the injured person is admitted as an inpatient, he will be
transferred to such other treatment body where the required treatment is available
regardless whether GOSI has or has not entered into contract therewith, in which
case GOSI will be responsible for the cost of his treatment at the medical center to
which he has been transferred

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THANK YOU