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
1From Saudi Arabia, Riyadh
it depends on the company policy. Mostly they will cover if they provided visa for all your family members.
From India, Mumbai
From India, Mumbai
Yes, it is compulsory to cover all employees under GOSI for single status employee and Family Status employees (Spouse, self and dependants), as per Saudi Labor Law.
Besides, GOSI; companies also provides private medical insurance Card, to the employees, since in GOSI coverage is limited and also companies does not have time to handle the GOSI requirement when seeking medical assistance for employees. Private Insurance company are wel organised and admin process is better.
However, dependents age limit is fixed for male and female by company. Usually company responsibility ends after age 18. This age limit also varies from company to company. For girl child few companies cover till they get married.
Ukmitra
From Saudi Arabia, Riyadh
Besides, GOSI; companies also provides private medical insurance Card, to the employees, since in GOSI coverage is limited and also companies does not have time to handle the GOSI requirement when seeking medical assistance for employees. Private Insurance company are wel organised and admin process is better.
However, dependents age limit is fixed for male and female by company. Usually company responsibility ends after age 18. This age limit also varies from company to company. For girl child few companies cover till they get married.
Ukmitra
From Saudi Arabia, Riyadh
Dear,
If the company is providing family visa (either for expats or else one), medical insurance is obligatory for the issuance of Iqama (residence permit). But, its all depends on company policy & employment terms of the particular employee that whether the company will be responsible for getting the insurance done or the employee himself. In case of GOSI, it is for employees only. Also, GOSI (General Organization of Social Insurance) is not a medical insurance. So, in the discussion, GOSI doesn't has any specific role.
Continuation to the discussion, the word "family or dependent" does not stand only for spouse. It should cover for all the family members (for male dependents up to the age of 18 and for girl child till marriage), as per the Saudi Labor Law.
Thanks & Regards,
Prabhat Mishra
From India, Mumbai
If the company is providing family visa (either for expats or else one), medical insurance is obligatory for the issuance of Iqama (residence permit). But, its all depends on company policy & employment terms of the particular employee that whether the company will be responsible for getting the insurance done or the employee himself. In case of GOSI, it is for employees only. Also, GOSI (General Organization of Social Insurance) is not a medical insurance. So, in the discussion, GOSI doesn't has any specific role.
Continuation to the discussion, the word "family or dependent" does not stand only for spouse. It should cover for all the family members (for male dependents up to the age of 18 and for girl child till marriage), as per the Saudi Labor Law.
Thanks & Regards,
Prabhat Mishra
From India, Mumbai
You right mishra..GOSI i does not have any specific role on this discussion,
What if the status of the visa is working, but they can bring he's family here in KSA..should the employer shoulder all the insurance for the family?..or it depends on the company policy.
Thank you
From Saudi Arabia, Riyadh
What if the status of the visa is working, but they can bring he's family here in KSA..should the employer shoulder all the insurance for the family?..or it depends on the company policy.
Thank you
From Saudi Arabia, Riyadh
Hey,
GOSI is also an Social insurance and you will note that all medical centres in Saudi Arabia, has a GOSI counter to serve the employees and it has limited cover and liability towads Expat. Yes, you are correct it did not had any relevance to discussion, but just though of mentioning.
@Ed, answering your second query:
As per contract, if Employee Status is Single. And if this employee gets his family, the responsible for covering the family insurance will be on the shoulder, which he has to payup to the company to cover his family as well before issuing the Iqama for family. Most company cover employees family against payment as it has the advantage of having "Maternity also covered" under group policy and besides premium is economical.
"Regret my confusion on GOSI and insurance question"
Ukmitra
From Saudi Arabia, Riyadh
GOSI is also an Social insurance and you will note that all medical centres in Saudi Arabia, has a GOSI counter to serve the employees and it has limited cover and liability towads Expat. Yes, you are correct it did not had any relevance to discussion, but just though of mentioning.
@Ed, answering your second query:
As per contract, if Employee Status is Single. And if this employee gets his family, the responsible for covering the family insurance will be on the shoulder, which he has to payup to the company to cover his family as well before issuing the Iqama for family. Most company cover employees family against payment as it has the advantage of having "Maternity also covered" under group policy and besides premium is economical.
"Regret my confusion on GOSI and insurance question"
Ukmitra
From Saudi Arabia, Riyadh
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