The Ultimate Guide to BPJS in Indonesia: Complete and Up-to-Date Information

Recognizing the importance of safeguarding the workforce, employers worldwide are obligated to furnish their employees with comprehensive health coverage and social security benefits. 

In the context of Indonesia, this obligation finds its embodiment in the Badan Penyelenggara Jaminan Sosial (BPJS). Mandated by Law Number 24 of 2011, BPJS is the nation's gateway to a robust social security framework, ensuring that every individual, irrespective of their employment sector, has access to quality healthcare and essential social security programs. 

In this ever-changing landscape, a thorough understanding of BPJS becomes not just a compliance necessity but a cornerstone for fostering a resilient and thriving workforce.

What is BPJS?

BPJS, short for Badan Penyelenggara Jaminan Sosial, is a social security institution in Indonesia. BPJS covers various segments of the population, including both public and private sector employees as well as the general public.

The establishment of BPJS was mandated by the Indonesian government through the enactment of UU Nomor 24 Tahun 2011 (Law Number 24 Year 2011). This law aimed to create a comprehensive social security system known as Jaminan Kesehatan Nasional (JKN), which ensures that all Indonesian citizens have access to healthcare services.

Under the healthcare program, individuals who are registered with BPJS can receive medical treatment at designated healthcare facilities. The cost of these services is covered by BPJS, with patients only required to pay a small co-payment fee.

Types of BPJS

BPJS provides two types of coverage that aim to protect all members of society. For companies, it is required to enroll their employees in BPJS.

To learn more about the two types of BPJS in Indonesia, read the following explanation.

1. BPJS Kesehatan (Healthcare)

When it comes to the types of BPJS, understanding the different categories is crucial for individuals and employers alike. One of the most well-known types is BPJS Kesehatan, which provides healthcare coverage under the Jaminan Kesehatan Nasional (JKN) program.

Established by Law No 40 of 2004 on National Social Security System, BPJS Kesehatan ensures that every Indonesian citizen has access to quality healthcare services. To be enrolled in this program, individuals are required to pay a monthly premium.

Within BPJS Kesehatan, there are different classes or levels of coverage: Class 1, Class 2, and Class 3. These classes determine the level of facilities and services that participants can access. Class 1 offers the highest level of care, while Class 3 provides more basic services.

In addition to regular participants who pay their premiums individually, there are also those who have their contributions deducted from their wages by their employers. This arrangement is common in companies where employees receive health insurance benefits as part of their employment package.

Class I:

• Self-employed participants: around Rp150,000 - Rp160,000 per month
• Employment-based participants: around 4% of monthly wages

Class II:

• Self-employed participants: around Rp100,000 - Rp110,000 per month
• Employment-based participants: around 3% of monthly wages

Class III:

• Self-employed participants: around Rp25,000 - Rp42,000 per month
• Employment-based participants: around 2% of monthly wages

Every company is required to register its employees as members of BPJS Kesehatan. The BPJS Kesehatan premium will be deducted from employee wages in the future.

Also Read: Employee Benefits in Indonesia: What You Need to Know

2. BPJS Ketenagakerjaan (Social Security)

BPJS Ketenagakerjaan, also known as the Workers Social Security Agency, is an important institution in Indonesia that provides various social security programs for Indonesian workers. These programs include work accident insurance, death insurance, old-age insurance, and pension insurance.

The establishment of BPJS Ketenagakerjaan is mandated by Law No. 24 of 2011 on Social Security Programs. This law aims to protect the welfare and rights of Indonesian workers, both formal and non-formal.

Formal workers, such as those employed in companies or government institutions, and non-formal workers are required by law to be registered with BPJS Ketenagakerjaan and contribute to the social security programs. 

Companies that fail to comply with the regulations set by BPJS Ketenagakerjaan may face sanctions imposed by Government Regulation No. 86 of 2013. These sanctions can range from fines to administrative penalties.

Overall, BPJS Ketenagakerjaan plays a crucial role in ensuring that Indonesian workers have access to social security benefits throughout their working lives. It provides a safety net for workers in case of accidents or emergencies and helps promote a more secure future for all individuals in the workforce.

BPJS Ketenagakerjaan is a mutual fund, meaning that the premiums are paid by both employees and companies. The premiums for BPJS Ketenagakerjaan are as follows:

Accident Insurance Premium:

• Workers : About 0.24% of monthly wages
• Employers : About 0.54% of total employee wages

Death insurance Premium:

• Workers : About 0.30% of monthly wages
• Employers : About 0.53% of total employee wages

Old-age insurance Premium:

• Workers : About 2% of monthly wages
• Employers : About 3.7% of total employee wages

Retirement insurance Premium:

• Workers : About 1% of monthly wages
• Employera : About 2% of total employee wages

A Practical and Easy Guide to Register

Once you understand that BPJS is an important social security, especially for workers, you also need to know the BPJS guidelines in Indonesia for registering yourself and your employees.

The process of registering for the BPJS program can be done online or offline. However, online registration is currently the more popular option because it is more convenient and easier.

1. How to Register BPJS Kesehatan

Registering employees as BPJS Kesehatan participants is very easy because it can be done online. Here are the steps:

1. Go to www.bpjs-kesehatan.go.id. Look for the "Pendaftaran Badan Usaha" (Company Registration) section on the main page. You may be directed to a page outlining the terms and conditions for business registration. Ensure you understand and agree to these before proceeding.
2. Fill out the registration form with all the required information, including your email address for activation purposes. After completing the form, click on the "Submit" button to send your registration.
3. Check your email for an activation link. Click on the link provided to activate your account. After activation, you'll receive an email containing your registration form, business code, virtual account details for JKN contributions, and login credentials for the e-Dabu application.
4. Visit https://edabu.bpjs-kesehatan.go.id and log in using the provided username and password. Inside the e-Dabu portal, go to "Data Peserta" (Participant Data), then select "Tambah Peserta" (Add Participant). Complete all required information for your employees, including their National Identification Numbers.
5. Choose "Fasilitas Kesehatan" (Healthcare Facilities) and input the city/district, province, and clinic name based on your employees' domicile. Once all data is complete, click "Simpan" (Save) and then choose "Approval Peserta Baru" (Approval for New Participants).

2. How to Register BPJS Ketenagakerjaan

Before you proceed with the BPJS Ketenagakerjaan registration, you need to prepare several required documents based on your employment status. Employment status is divided into two categories: those in formal employment and those working independently.

For Formal Employees

If you are an employee within a company, you must submit the following requirements when registering for BPJS Ketenagakerjaan:

• Original and copy of the Trading Business License (SIUP).
• Original and copy of the Company's Taxpayer Identification Number (NPWP).
• Original and copy of the Company's Trading Deed.
• Copy of the Identity Card (KTP) for each employee.
• Copy of the Family Card (KK) for each employee.
• One color passport-sized photo (2x3 cm) for each employee.

For Independent Workers

If you are an independent worker, such as a freelancer or entrepreneur without a business entity, you need to establish an organization with at least 10 members. This is because the program requires an organization or business entity.

The required documents for independent workers include:

• Business permit from the local village.
• Copy of the Identity Card (KTP) for each worker.
• Copy of the Family Card (KK) for each worker.
• One color passport-sized photo (2x3 cm) for each worker.

Make sure to have these documents ready before proceeding with the BPJS Employment registration process.

Here's a guide on how to register for BPJS Employment in Indonesia:

1. Visit the official BPJS Employment website at www.bpjsketenagakerjaan.go.id.
2. Fill in the Employer/Organization Data (PK/BU).
3. Provide the necessary information about the employees you want to register.
4. Make the payment after receiving the contribution code via email.
5. Participants will receive a digital card through email or can collect it at the nearest branch office.

As employers navigate the dynamic landscape of Indonesia's workforce, understanding and complying with BPJS regulations become paramount. The comprehensive social security provided by BPJS not only guarantees the health and well-being of employees but also establishes a safety net for their future. With BPJS Kesehatan and BPJS Ketenagakerjaan, businesses can contribute to a more secure and resilient workforce. In essence, embracing the principles and guidelines of BPJS contributes not only to the success of businesses but also to the overall prosperity and security of the Indonesian workforce.