Hi Guys, This edgar, I have question..should the employer cover also the family member s in medical insurance for expats? Thank you all!
From Saudi Arabia, Riyadh
Acknowledge(0)
Amend(0)
1From Saudi Arabia, Riyadh
Acknowledge(0)Amend(0)
it depends on the company policy. Mostly they will cover if they provided visa for all your family members.
From India, Mumbai
Acknowledge(0)Amend(0)
From India, Mumbai
Acknowledge(0)Amend(0)
Yes, it is compulsory to cover all employees under GOSI for single status employees and Family Status employees (Spouse, self, and dependents), as per Saudi Labor Law.
Besides GOSI, companies also provide private medical insurance cards to the employees, since GOSI coverage is limited, and companies do not have time to handle the GOSI requirement when seeking medical assistance for employees. Private insurance companies are well-organized, and the administrative process is better.
However, the age limit for dependents is fixed for males and females by the company. Usually, the company's responsibility ends after the age of 18. This age limit also varies from company to company. For girl children, a few companies cover them until they get married.
Ukmitra
From Saudi Arabia, Riyadh
Acknowledge(0)Amend(0)
Besides GOSI, companies also provide private medical insurance cards to the employees, since GOSI coverage is limited, and companies do not have time to handle the GOSI requirement when seeking medical assistance for employees. Private insurance companies are well-organized, and the administrative process is better.
However, the age limit for dependents is fixed for males and females by the company. Usually, the company's responsibility ends after the age of 18. This age limit also varies from company to company. For girl children, a few companies cover them until they get married.
Ukmitra
From Saudi Arabia, Riyadh
Acknowledge(0)Amend(0)
Dear,
If the company is providing a family visa (either for expats or others), medical insurance is obligatory for the issuance of Iqama (residence permit). However, it all depends on the company policy and employment terms of the particular employee as to whether the company will be responsible for obtaining the insurance or if the employee will be responsible. In the case of GOSI, it is for employees only. Additionally, GOSI (General Organization of Social Insurance) is not a form of medical insurance. Therefore, in the discussion, GOSI does not have any specific role.
Continuing the discussion, the term "family or dependent" does not only refer to a spouse. It should cover all family members (for male dependents up to the age of 18 and for girl children until marriage), as per the Saudi Labor Law.
Thanks & Regards,
Prabhat Mishra
From India, Mumbai
Acknowledge(0)Amend(0)
If the company is providing a family visa (either for expats or others), medical insurance is obligatory for the issuance of Iqama (residence permit). However, it all depends on the company policy and employment terms of the particular employee as to whether the company will be responsible for obtaining the insurance or if the employee will be responsible. In the case of GOSI, it is for employees only. Additionally, GOSI (General Organization of Social Insurance) is not a form of medical insurance. Therefore, in the discussion, GOSI does not have any specific role.
Continuing the discussion, the term "family or dependent" does not only refer to a spouse. It should cover all family members (for male dependents up to the age of 18 and for girl children until marriage), as per the Saudi Labor Law.
Thanks & Regards,
Prabhat Mishra
From India, Mumbai
Acknowledge(0)Amend(0)
You are right, Mishra. GOSI does not have any specific role in this discussion.
What if the visa status is working, but they can bring his family here in KSA. Should the employer shoulder all the insurance for the family, or does it depend on the company policy?
Thank you.
From Saudi Arabia, Riyadh
Acknowledge(0)Amend(0)
What if the visa status is working, but they can bring his family here in KSA. Should the employer shoulder all the insurance for the family, or does it depend on the company policy?
Thank you.
From Saudi Arabia, Riyadh
Acknowledge(0)Amend(0)
Hey,
GOSI is also a social insurance, and you will note that all medical centers in Saudi Arabia have a GOSI counter to serve the employees. It has limited coverage and liability towards expats. Yes, you are correct, it did not have any relevance to the discussion, but just thought of mentioning.
@Ed, answering your second query: As per the contract, if an employee's status is single, and if this employee gets his family, the responsibility for covering the family's insurance will be on the employee's shoulders. He has to pay up to the company to cover his family as well before issuing the Iqama for the family. Most companies cover employees' families against payment as it has the advantage of having "Maternity also covered" under the group policy, and besides, the premium is economical.
"Regret my confusion on GOSI and insurance question."
Ukmitra
From Saudi Arabia, Riyadh
Acknowledge(0)Amend(0)
GOSI is also a social insurance, and you will note that all medical centers in Saudi Arabia have a GOSI counter to serve the employees. It has limited coverage and liability towards expats. Yes, you are correct, it did not have any relevance to the discussion, but just thought of mentioning.
@Ed, answering your second query: As per the contract, if an employee's status is single, and if this employee gets his family, the responsibility for covering the family's insurance will be on the employee's shoulders. He has to pay up to the company to cover his family as well before issuing the Iqama for the family. Most companies cover employees' families against payment as it has the advantage of having "Maternity also covered" under the group policy, and besides, the premium is economical.
"Regret my confusion on GOSI and insurance question."
Ukmitra
From Saudi Arabia, Riyadh
Acknowledge(0)Amend(0)Looking for something specific? - Join & Be Part Of Our Community and get connected with the right people who can help. Our AI-powered platform provides real-time fact-checking, peer-reviewed insights, and a vast historical knowledge base to support your search.
Company Car Policy.doc