Welcome! If you're reading this page, it means you've heard about the new insurance product launched in partnership with the Ministry of Human Resources and Social Development to protect the rights of expatriate workers in the private sector.
The Al-Etihad customer care team is here to make this information clear and provide you with all the answers you may need.
What is the Insurance for Expatriate Workers' Rights and Entitlements?
This insurance policy is designed for non-Saudi employees working in private sector companies, ensuring that your rights and entitlements as an expatriate worker in the Kingdom of Saudi Arabia are protected, according to the specified benefits.
Benefits Include:
◾ Unpaid wages and entitlements at the financially struggling establishment for up to six months.
◾ A return ticket to your home country, with a maximum value of 1,000 Saudi Riyals.
◾ Maximum insurance compensation of 17,500 Saudi Riyals, provided the total claims do not exceed the set coverage limit for one establishment.
Conditions for Obtaining Insurance
To qualify for the Expatriate Worker Wage Insurance Service for Private Sector Defaults, the following conditions must be met:
◾ You must be among the workers covered by the product and not fall under any excluded categories.
◾ You must be registered with the struggling establishment during the claim period and actively employed.
◾ You must provide documentation proving you have not received your entitlements from the struggling establishment.
◾ You must not have already received compensation from this insurance product within the same insurance year.
◾ You must provide proof of your intention to leave the Kingdom when requesting travel ticket compensation (final exit visa).
When Are You Eligible for Insurance?
You are eligible to access the Expatriate Worker Wage Insurance Service for Private Sector Defaults under the following circumstances:
◾ If the establishment fails to pay your wages and entitlements for more than 6 months.
◾ If 80% or more of the total expatriate workers at the establishment have not received their entitlements.
◾ If you are registered with the establishment and are actively employed during the entitlement period.
How to Submit a Compensation Claim?
To submit a compensation claim under the Expatriate Worker Wage Insurance Service for Private Sector Defaults, follow these steps:
◾ Submit the request either in person or through a legally authorized representative.
◾ Complete the designated form for this coverage, including a commitment not to file future claims for entitlements already received.
◾ Attach a statement of the last wages and entitlements received from the struggling company (if available).
◾ Include a copy of your documented employment contract.
◾ Provide an official document verifying that you have not received the claimed wages (compensation).
◾ Submit a copy of your identification.
Frequently Asked Questions
◾ What is a distressed establishment?
A distressed establishment is one that has delayed paying 80% or more of its employees' wages for six months or longer.
◾ What are the unpaid wages and entitlements of expatriate workers?
These include the monthly wages, allowances, and other documented entitlements of expatriate workers that have not been paid by the distressed establishment, as outlined in the labor contract, excluding the end-of-service gratuity.
◾ Who is covered by this insurance as an expatriate worker?
Non-Saudi workers employed by financially struggling establishments, registered with the Ministry, and meeting the compensation criteria.
◾ Who is excluded from this product?
1. Workers in establishments fully owned by the state.
2. Workers exempted by the Ministry based on their probationary period or date of arrival in the Kingdom.
3. Domestic workers and those in similar roles.
4. Seasonal and temporary workers.
5. Family members of the employer, including spouses, parents, and children working in the establishment.
6. Club and sports federation players and coaches.
7. Agricultural workers, private shepherds, and similar roles.
8. Non-Saudi workers hired for a specific task lasting no more than two months.
For complete details about the Expatriate Worker Wage Insurance Service for Private Sector Defaults, you can download the brochure below, which provides comprehensive answers to your questions.
