Updated based on 2026 laws/rates — always verify with the official authority.
Social insurance country comparison
Estimated calculator and practical guide for Social Insurance in Kuwait, Saudi Arabia and UAE.
Manual rate override: Practical guidance lamang ito; always review your contract and official authority kapag may dispute.
Social Insurance Calculator
Social insurance rates may change and may vary by nationality, subscription date, sector, and contributory wage. Estimate lamang ito; always check the official authority.
For GCC nationals working in another GCC state, the extension protection system applies the employee’s home-country rates and caps, while respecting the employer-share limit in the country of work and adding occupational hazard cover where applicable.
Estimated result
Employee share-
Employer share-
Government support-
Employee-borne extension difference-
Host-country occupational hazards-
Total-
Approx. net-
Employer cost-
| Country | Who is covered? | Employee share | Employer share | Maximum cap |
|---|---|---|---|---|
| Kuwait | Kuwait PIFSS generally applies to Kuwaiti citizens and certain GCC nationals under extension rules; non-GCC expatriates are usually not treated under the same Kuwaiti pension scheme. | Simplified model: basic 5%, supplementary 5%, pension increase 2.5%, financial remuneration 2.5%, unemployment 0.5% where applicable. | Simplified model: basic 10%, supplementary 10%, pension increase 1%, unemployment 0.5% where applicable. | Estimated caps used: basic up to KWD 1,500, supplementary up to KWD 1,250, pension increase/unemployment up to KWD 2,750. |
| UAE | UAE pension/social security mainly applies to UAE nationals and certain GCC nationals under applicable rules; non-GCC expatriates usually rely on end-of-service gratuity rather than UAE pension contributions. | The simplified UAE national model uses 11% employee share. | The simplified model uses 15% employer share, with possible government support or different handling in certain private-sector cases. | Caps and rules vary by law/sector; check GPSSA or the relevant local pension authority. |
| Saudi Arabia | Saudi treatment differs between Saudi and non-Saudi workers. Saudis are generally covered for annuities, SANED and occupational hazards; non-Saudis are generally covered for occupational hazards paid by the employer. | The current simplified model uses Saudi existing-system employee share 9.75%; non-Saudi employee share 0%. | The simplified model uses Saudi employer share 11.75%; non-Saudi employer share 2% occupational hazards. | GOSI caps and new-system transition rules should be checked; custom rates are available. |
Social insurance rates may change and may vary by nationality, subscription date, sector, and contributory wage. Estimate lamang ito; always check the official authority.
Report an outdated rate or cap
If may napansin kang changed rate or cap, i-flag muna before relying on the result.
Report an outdated rate or cap
If may napansin kang changed rate or cap, i-flag muna before relying on the result.
Report an outdated rate or cap