Article 13 of the Saudi Social Insurance Law
المادة 13 من نظام التأمينات الاجتماعية · الباب الأول: الأحكام العامة
The article requires the Institution to carry out an actuarial study of each branch, program and product at least every three years, and requires the State to cover the actual deficit when assets are insufficient.
Official text (Arabic)
This article has not been amended since the law was issued.
1- تقوم المؤسسة مرة كل ثلاث سنوات على الأقل، بإجراء دراسة اكتوارية مفصلة لكل فرع من فروع التأمينات الاجتماعية وكل برنامج ادخاري وكل منتج تأميني، وتشتمل الدراسة على تقدير التزامات كل فرع وبرنامج ادخاري ومنتج تأميني سواء القائمة أو المستقبلية ومدى توازن التعويضات المحددة للفرع والبرنامج والمنتج مع التزاماته المستقبلية، ويرفع مجلس الإدارة نتائج الدراسة لمجلس الوزراء مشفوعة بتوصياته.
2- تلتزم الدولة -بعد موافقة مجلس الوزراء بناءً على اقتراح مجلس الإدارة- بسداد العجز الفعلي في حال عدم توفر أي أصول كافية لتغطية تعويضات فروع التأمينات الاجتماعية والمنتجات التأمينية.
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 13 explained in plain English
This article aims to protect the long-term sustainability of the insurance system, and it contains two provisions:
First: the periodic actuarial study
- The Institution carries out, at least once every three years, a detailed actuarial study of each social insurance branch, each savings program and each insurance product.
- The study includes an estimate of the obligations of each, both existing and future, and whether the compensation set is in balance with its future obligations.
- The Board of Directors submits its results to the Council of Ministers together with its recommendations.
An actuarial study is a financial and statistical study that estimates what will be paid in the future compared with the resources available.
Second: the State's obligation to pay the deficit
The State undertakes to pay the actual deficit if there are not sufficient assets to cover the compensation of the insurance branches and the insurance products, after approval by the Council of Ministers on the proposal of the Board of Directors. Note that the text mentions the branches and the insurance products, and does not mention savings programs in this provision.
This is linked to Article 12, which allocates a separate account to each branch, program and product, making it easier to assess each of them separately. The article is an important assurance for subscribers that the compensation due to them is backed by a State commitment if an actual deficit occurs.
Translated from our Arabic explanation with machine assistance. For guidance only; it does not replace advice from a lawyer on your situation.
How we write and review contentA question about Article 13 of Social Insurance Law?
Describe what happened and specialist lawyers answer. You can write in English.
- Completely free
- Lawyers from the directory answer
- Your name stays hidden
Administrative Law lawyers: ask a specialist about your case
Describe your situation briefly and we'll suggest a lawyer who specialises in this law
Administrative Law (Board of Grievances) lawyers
Lawyers who handle this kind of case
Dr. Ali Al-Rubaie Law Office and Ittihad Al-Asr Legal Company
Active contributor
Unwan Law Firm
Frequently asked questions about Article 13 of the Saudi Social Insurance Law
How often is the actuarial study of social insurance carried out?
At least once every three years, for each branch, savings program and insurance product.
Who pays the social insurance deficit?
The State undertakes to pay the actual deficit when there are not sufficient assets to cover the compensation of the branches and insurance products, after approval by the Council of Ministers on the proposal of the Board of Directors.
To whom are the results of the actuarial study submitted?
The Board of Directors submits them to the Council of Ministers together with its recommendations.
More articles on Social Insurance Subscription
- Article 1
The article defines the key terms used in the Social Insurance Law, such as employer, employee, worker, subscriber, compensation and insurance products.
يُقصد بالعبارات والمصطلحات التالية -أينما وردت في هذا النظام- المعاني الموضحة أمام كل منها، ما لم يقتض السياق غير ذلك: النظام: نظام التأمينات الاجتماعية. اللائح
- Article 2
The article provides that a year and a month under the Social Insurance Law are counted by the Gregorian calendar.
في تطبيق أحكام النظام، يقصد بالسنة والشهر: الوحدات الزمنية حسب التقويم الميلادي.
- Article 3
The article lists the three social insurance branches covered by the Law: pensions, occupational hazards and supplementary compensation, and unemployment insurance.
يشمل النظام فروع التأمينات الاجتماعية الآتية: 1- فرع المعاشات. 2- فرع الأخطار المهنية والتعويضات الإضافية. 3- فرع التأمين ضد التعطل عن العمل.
- Article 4
The article gives the Institution's Board of Directors the power to create optional savings programs in coordination with the relevant authorities, in accordance with the provisions set by the Regulations.
لمجلس الإدارة استحداث برامج ادخارية اختيارية بالتنسيق مع الجهات ذات العلاقة، وفق الأحكام التي تحددها اللائحة.
- Article 5
The article allows the Council of Ministers, on the Board of Directors' proposal, to create compulsory insurance products for Saudi self-employed persons and for certain categories of non-Saudi workers.
يجوز بقرار من مجلس الوزراء -بناءً على اقتراح مجلس الإدارة- استحداث منتجات تأمينية إلزامية لأي من الفئات المبينة أدناه، ويحدد القرار الأحكام اللازمة لذلك: أ - ال
- Article 6
The article lists categories of workers who are not subject to the insurance branches automatically, but as the Board of Directors decides and in accordance with the provisions set by the Regulations.
يكون خضوع الفئات المبينة أدناه لأحكام فروع التأمينات الاجتماعية بناءً على ما يقرره مجلس الإدارة ووفقاً للأحكام التي تحددها اللائحة، وهم: 1- العمال الذين يعملون
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.