In force
Saudi GCC Insurance Protection Extension Law
النظام الموحد لمد الحماية التأمينية لمواطني دول مجلس التعاون لدول الخليج العربية العاملين في غير دولهم في أي دولة عضو في المجلس
Unified law extending insurance protection to Gulf Cooperation Council nationals who work in a member state other than their own. The text is set out in 23 articles.
- Articles
- 23
- In force
- 23
- Amended
- 0
- Issued
- 26/11/1426 AH
Issued by: مرسوم ملكي رقم م/63 بتاريخ 26 / 11 / 1426 · قرار مجلس الوزراء رقم 286 بتاريخ 24 / 11 / 1426
Each article shows the official Arabic text, which is the only legally binding version, followed by our plain-English explanation.
Browse GCC Insurance Protection Extension Law by topic
Definitions and Scope of Extended Insurance Protection6 articlesConditions for Coverage and Insurance Branches3 articlesDuties of the Retirement and Insurance Bodies5 articlesEmployee Registration and Employer Duties4 articlesInsurance Contributions and Collection2 articlesPenalties for Violating Employers3 articlesPensions and Disability and Death Entitlements5 articles
Articles of the Saudi GCC Insurance Protection Extension Law
الباب الأول: التعاريف والأحكام العامة ونطاق التطبيقArticles 1–7
- Article 1The article defines the terms of the Unified Law Extending Insurance Protection, including the state of the workplace, the home state, GCC nationals, retirement and insurance bodies, the civil servant, the worker and the employer.
- Article 2The article provides that the civil retirement and social insurance laws in force in each GCC state apply to its nationals working in the other GCC states.
- Article 3The article entrusts the application of the Unified Law Extending Insurance Protection to the civil retirement and social insurance bodies in the GCC states.
- Article 4The Law applies compulsorily to GCC nationals working in another member state, provided that their own state's law applies to them, they work for a covered employer in the state of the workplace, and they prove their nationality.
- Article 5The article limits the Law to the retirement or old-age, disability, sickness and death insurance branch, without preventing work injury and occupational disease insurance from applying under the rules of the state of the workplace.
- Article 6The article obliges the retirement and insurance bodies of the home state to prepare and circulate a guide to their rules and contribution rates, send the other bodies their insurance forms, open a bank account in the state of the workplace, and designate a follow-up unit.
- Article 7The article obliges the retirement and insurance bodies of the state of the workplace to take measures to make employers apply the Law, raise their awareness, give them the home state's guide and forms, and designate a follow-up unit.
الباب الثاني: إجراءات التسجيلArticles 8–10
- Article 8The article provides that the employee or worker subject to the Law is insured with the competent insurance body according to the procedures and forms of the retirement or insurance law of his home state.
- Article 9The employer in the state of the workplace must insure the GCC employee and submit completed insurance forms to the workplace state's body, which notifies the home state's body according to the agreed rules.
- Article 10The article requires the retirement or insurance bodies of the state of the workplace to keep special records and statistics on the GCC nationals working there, based on data received from employers.
الباب الثالث: إجراءات تحصيل الاشتراكاتArticles 11–13
- Article 11The employee and employer bear contributions at the home state's rates, but the employer's share may not exceed the workplace state's rate; the employee covers any difference unless the home state bears it, and the employer pays on time.
- Article 12When an employer is late in paying, the home state's body notifies the workplace state's body, which collects the contributions and additional amounts on its behalf under its own rules, without liability if collection proves impossible.
- Article 13The article applies the penalties of the workplace state's insurance law to an employer that is late in paying, fails to register its employees, fails to report the end of their service, or pays on unreal wages.
الباب الرابع: وقف أو انتهاء الاشتراكArticles 14–17
- Article 14The article stops an employee's or worker's participation in the Law if he loses any of the conditions for coverage set out in Article 4.
- Article 15Subject to Article 19, the employer must notify the workplace state's body of the end of service of an employee covered by the Law, on time and on the prescribed form, so that it notifies the home state's body.
- Article 16The employer notifies the workplace state's body of an employee's disability, sickness or death; that body completes the medical reports and sends them to the home state's body for its committees, ahead of settling entitlements.
- Article 17The article applies the home state's retirement or insurance rules to the case of a missing employee or worker, with the missing status established under the procedures of the state of the workplace.
الباب الخامس: أحكام ختاميةArticles 18–23
- Article 18The article provides that the entitlements of the employee or worker, or of those entitled through him, are settled under the provisions in force in the retirement or insurance law of the home state.
- Article 19The article applies all the provisions of the home state's retirement or insurance law to the employee or worker on matters with no specific provision in the Law, to the extent they do not conflict with it.
- Article 20The article provides that applying the Law creates no financial obligations on the workplace state's retirement or insurance body toward the employee, worker, beneficiaries or employer.
- Article 21The article provides that the Law does not affect any rights or benefits guaranteed by the laws of the state of the workplace to employees or workers, unless those laws provide otherwise.
- Article 22The article applies the same penalties provided in the workplace state's retirement or insurance law to employers and to employees or workers subject to the Law when they violate its provisions.
- Article 23The article obliges the member states to work on issuing the legislation needed to apply the Law so that its provisions take effect from 1 January 2006.