Required certification · Egypt
National Organization for Social Insurance (NOSI)
Egypt's social insurance authority: employer registration and contributions for every insured worker
Market position
The National Authority for Social Insurance administers Egypt's social insurance and pensions under Law 148 of 2019, in force since 1 January 2020. Employers pay contributions on each insured worker's wage, and workers pay their own share through payroll. The authority runs insurance offices and online services for business owners and insured workers.
Egypt-specific note
For contractors, the work-injury rules matter most: under Law 148/2019 the employer pays the injury premium, must notify the authority of each work injury immediately and must report incidents that stop a worker working to the police within 48 hours. Every site worker on the payroll needs to be registered and have contributions paid.
Pros
- + Covers workers for old age, disability, death, work injury, sickness and unemployment
- + Work-injury insurance matters on construction sites, where the employer pays the premium
- + Online inquiry by insurance number and a service menu for business owners
Cons
- − Employer cost is significant: 12% of wages for old-age, disability and death insurance alone, plus sickness, injury and unemployment shares
- − Work injuries must be reported to the authority immediately and to the police within 48 hours
- − High-turnover site crews mean frequent registration changes
- − The authority's website shows little detail in readable form
Typical Egypt pricing
Statutory contributions under Law 148/2019, paid monthly. Old-age, disability and death insurance is 12% of wages from the employer and 9% from the worker, plus employer shares for work injury (0.5%-1% by risk level, plus 1% for medical care where the worker is not under comprehensive health insurance), sickness (3%, with 1% from the worker) and unemployment (1%).
Why this matters for Egypt trades
The ETA administers income tax and VAT (general rate 14%) and runs the e-invoicing and e-receipt systems; e-invoicing is mandatory for taxpayers named in its phased decisions, and ETA offers an online tool to check whether a business is covered. Under Law 104 of 1992, no contracting work worth more than EGP 50,000 per operation may be assigned to or carried out by anyone who is not a working member of the EFCBC, which classifies members by specialization and capacity. Under Law 66 of 1974, engineering posts and works may only go to engineers or consulting offices registered with the Egyptian Engineers Syndicate. Companies are incorporated through GAFI’s Investor Services Centers or online; employers pay social insurance contributions on each insured worker’s wage under Law 148 of 2019, administered by NOSI; and inside new cities such as New Cairo, NUCA is the competent planning and building-permit body under Law 119/2008.
Egyptian construction and trades software selection is shaped by the Egyptian Tax Authority’s (ETA) e-invoicing and e-receipt systems, made mandatory in phases by ETA decisions, which require electronically signed invoices sent through integration with ETA’s system. Add VAT at a general rate of 14% (which press reports in October 2025 describe being applied to contracting works), membership of the Egyptian Federation for Construction and Building Contractors (EFCBC) for contracting work above EGP 50,000, Engineers Syndicate registration, social insurance contributions under Law 148 of 2019, and NUCA building permits for sites in the new cities. Some tools listed here price in USD, so their EGP cost moves with the exchange rate.
Frequently asked
Is National Organization for Social Insurance (NOSI) a good fit for Egypt trades?
The National Authority for Social Insurance administers Egypt's social insurance and pensions under Law 148 of 2019, in force since 1 January 2020. Employers pay contributions on each insured worker's wage, and workers pay their own share through payroll. The authority runs insurance offices and online services for business owners and insured workers. For contractors, the work-injury rules matter most: under Law 148/2019 the employer pays the injury premium, must notify the authority of each work injury immediately and must report incidents that stop a worker working to the police within 48 hours. Every site worker on the payroll needs to be registered and have contributions paid.
What does National Organization for Social Insurance (NOSI) cost in Egypt?
Statutory contributions under Law 148/2019, paid monthly. Old-age, disability and death insurance is 12% of wages from the employer and 9% from the worker, plus employer shares for work injury (0.5%-1% by risk level, plus 1% for medical care where the worker is not under comprehensive health insurance), sickness (3%, with 1% from the worker) and unemployment (1%). Pricing and availability can change by region; confirm current Egypt pricing on the vendor's site before committing.
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