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GCC Insurance Protection Extension Program

Gulf Cooperation Council (GCC) citizens are those employees holding the nationality of one of the GCC countries and working in any GCC member country outside their home country and the social security is extended to include them.

 

Monthly Subscriptions:

The employers in the UAE are liable to mandatory subscriptions for their GCC employees according to the social security law in their home countries in terms of registration and subscriptions provided that the same may not exceed the subscription share designated for the employers to UAE nationals working for them and the GCC employees assume the contribution variances if any.

 

End of Service:

Employers are obligated to pay the end-of-service gratuity for their GCC employees in accordance to the civil service regulations or applicable labor law for the periods of service prior to the application of the insurance protection extension system, and without prejudice to any other rights or benefits that are established in accordance to the regulations that employers are bound by with their employees.
Please note that insured individuals or contributors are GCC nationals working in the UAE and are subject to the pension and retirement conditions, as well as to security benefits upon their end-of-service applicable to their home country. 


Subscription Ratios Per GCC Country:

The following table illustrates the subscription ratios for employees and employers in accordance with applicable laws in every GCC country in addition to the details of banks and bank accounts to which subscriptions shall be transferred:

 

  • Kingdom of Bahrain  
Organization Subscription Salary ​Period Employer’s Share Employee’s Share Total ​Bank Account No.


Social Insurance Organization (Pension) - Government Sector


Basic salary + social allowance
​January
2007
until
September
2007


9%


​6%


15%


National
Bank
Of
Bahrain


AE74036
0000000
0966664
12
​October
2007
Up to date

15%

​6%

​21%
April
2022
Up to date

15%

​6%

​21%
​May
2022
Up to date

17%

​6%

​23%
​January
2023
Up to date

17%

​7%

​24%


Social Insurance Organization (Insurance) -
Private Sector


Basic salary
+ Fixed allowance
​January
2007
Until
April
2007


7%


5%

 
12%


National
Bank
Of
Abu Dhabi
​​

AE33035
0000004
0503688
79
​May
2007
Up to date

9%

6%

15%
​April
2022
Up to date

9%

6%

15%
​May
2022
Up to date

11%

6%

17%
​January
2023
Up to date

12%

7%

19%
​January
2024
Up to date

13%

7%

20%
​January
2025
Up to date

14%

7%

21%
​January
2026
Up to date

15%

7%

22%
​January
2027
Up to date

16%

7%

23%
​January
2028
Up to date

17%

7%

24%
  • Sultanate of Oman 
Organization Subscription Salary ​Period
Employer’s
Share
Employee’s
Share
Total ​Bank Account No.



Civil
Service
Employees
Pension
Fund - Government Sector

 

 Basic salary

​January
2007
Until
January
2011

 

15%

 

6.4%

21.4%

 

 

 

 


 

 

Standard
Chartered
Bank

​ ​

 

 

 

AE0504
4000000
2368932
801

​Basic salary
+ 75% of housing,
electricity & water
allowance

 

February
2011
Up to date

 


15%

 


7%

 


22%

​Public
Authority
For Social
Insurance - Private Sector

 


 Basic salary


​January
2007
30-6-2020

 


9.5%


6.5%

 


16%


Every company has a unique account

​Public
Authority
For Social
Insurance - Private Sector

 


 Total Salary


​1/7/2020
Up to date

 


10.5%


7%

 


17.5%

 


HSBC


Every company has a unique account
 
  • Kingdom of Saudi Arabia
Organization Subscription Salary ​Period
Employer’s
Share
Employee’s
Share
Total ​Bank Account
No.

Public
Pension
Agency - Government Sector

 

 Basic salary

 


January

2007

Up to date 

 

 


9%

 

 


9% 

 

 


 

18% 

 


Emirates
NBD
Bank

AE49026
0001012
3123699
01
General
Organization
For
Social
Insurance - Private Sector

 Basic salary
+ Housing allowance

AE97026
0001012
3712007
01

  •  Kuwait
Organization ​Sector Subscription Salary ​Period
Employer’s
Share
Employee’s
Share
Total ​Bank Account No.

 

 

 

 

 

 

 

 

The
Public
Institution
For
Social
Security

 

 

 

 

 

 

 

 

Government and Private

 Basic salary
+all allowances &
bonuses & grants
pursuant to the
provisions of law (38)
of 1964 provided that
the subscription salary
until December 2011
does not exceed
KD(2500) and is not
less than KD(230)
and from January
2012 up to date is
KD(2750).

 

January
2007
Until
31-7-2007 

 

 

11%

 

 

6%

 

 

17%

 

 

 

 

 

 

 

 

First
Bank
Of
Abu Dhabi

 

 

 

 

 

 

 

 

AE740354
02120323
2498015




​August
2007
Until
31-7-2010





​11%




​7%




​18%



​1-8-2010
Up to date





​11%



​7.5%



​18.5%
  •  Qatar
Organization ​Sector Subscription Salary ​Period
Employer’s
Share
Employee’s
Share
Total ​Bank Account #
General
Retirement
And Social
Insurance
Authority

Government
And
private

Basic salary

+Social allowance

January
 2007
Up to date


10%


5%


15%

Mashreq
Bank
AE82033
0000014
4905810
38

 

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