Article 9 of the Saudi GCC Insurance Protection Extension Law
المادة 9 من النظام الموحد لمد الحماية التأمينية لمواطني دول مجلس التعاون لدول الخليج العربية العاملين في غير دولهم في أي دولة عضو في المجلس · الباب الثاني: إجراءات التسجيل
The 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.
Official text (Arabic)
This article has not been amended since the law was issued.
يلتزم صاحب العمل في الدولة مقر العمل بالتأمين على الموظف / العامل وموافاة أجهزة التقاعد المدني / التأمينات الاجتماعية في الدولة مقر العمل بنماذج التأمين الخاصة بمواطني دول المجلس العاملين لديه بعد استيفاء بياناتها ، على أن تقوم هذه الأجهزة بإشعار جهاز التقاعد المدني / التأمينات الاجتماعية في الدولة موطن الموظف / العامل بذلك ، حسب الأسس والضوابط التي يتم الاتفاق بشأنها بين أجهزة التقاعد المدني / التأمينات الاجتماعية في الدول الأعضاء في المجلس .
This is the official Arabic wording, the only legally binding version. We do not translate the law itself; the explanation below is ours. Official source: Bureau of Experts at the Council of Ministers
Article 9 explained in plain English
This article sets out the employer's role in registering a GCC employee or worker, and the sequence of steps between the bodies.
Registration steps:
- The employer in the state of the workplace is obliged to insure the employee or worker.
- It submits to the civil retirement or social insurance bodies in the state of the workplace the insurance forms for the GCC nationals working for it, after completing their details.
- These bodies notify the retirement or insurance body in the home state of the employee or worker.
The rules: this is done in accordance with the bases and rules agreed between the retirement and insurance bodies of the member states. The article does not state these bases, so they must be sought from those bodies.
The idea is that the employer does not deal directly with the body of another state, but with the body of the state in which it operates, and that body communicates with the body of the home state.
In practical terms, the company or government body that hires a GCC national is responsible for registering him and completing his forms, not the employee alone. Article 8 explains that insurance is carried out under the procedures and forms of the home state, and Article 10 deals with the workplace state's bodies keeping records and statistics on the GCC nationals working there.
To apply this to a specific case, it is advisable to consult a lawyer who specializes in social insurance and retirement laws.
Practical example
A company in Al Khobar hires a Kuwaiti engineer. The company is obliged to insure him, so it completes the insurance forms for GCC nationals and sends them to the insurance body in the Kingdom, which in turn notifies the insurance body in Kuwait.
Translated from our Arabic explanation with machine assistance. For guidance only; it does not replace advice from a lawyer on your situation.
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Frequently asked questions about Article 9 of the Saudi GCC Insurance Protection Extension Law
Who is responsible for registering a GCC employee for insurance?
The employer in the state of the workplace is obliged to insure him and to submit the insurance forms, once completed, to the retirement or insurance body of the workplace state.
Does the employer contact the home state's insurance body directly?
The text makes the workplace state's body the one that notifies the home state's body, according to the bases and rules agreed between the bodies.
More articles on Employee Registration and Employer Duties
- Article 8
The 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.
يتم التأمين على الموظف / العامل المخاطب بأحكام هذا النظام لدى جهة التأمين المختصة - أجهزة التقاعد المدني أو التأمينات الاجتماعية - طبقا للإجراءات والنماذج المعت
- Article 15
Subject 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.
مع مراعاة أحكام المادة (19) من هذا النظام يلتزم صاحب العمل بإخطار جهاز التقاعد المدني / التأمينات الاجتماعية في الدولة مقر العمل بانتهاء خدمة أي موظف / عامل لدي
- Article 16
The 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.
في حالة عجز أو مرض أو وفاة الموظف / العامل يلتزم صاحب العمل بإخطار جهاز التقاعد المدني / التأمينات الاجتماعية في الدولة مقر العمل بذلك، والتي يقع عليها عبء استك
The texts are reproduced from the official website of the Bureau of Experts at the Council of Ministers for reference; where they differ, the officially published Arabic text prevails. This content is not legal advice.