Health Insurance & Social Security
Badan Penyelenggara Jaminan Sosia (BPJS) is the Health and Social Security Scheme of the Indonesian government.
BPJS
- Healthcare insurance (BPJS Kesehatan).
- Social Security insurance (BPJS Ketengakerjaan).
All Indonesian residents, including foreigners / expats who have been living in the country for 6 months or more, are obliged to obtain the BPJS Kesehatan health insurance.
Anyone residing in Indonesia and being employed by a company, foreign or local, will also get the BPJS Ketenagakerjaan social security insurance.
Healthcare
- Basic Healthcare; under this service, you can choose a doctor, dentist or clinic in case you need basic healthcare services.
- Advanced Healthcare; under this service, you can get a signed referral letter from your doctor to receive advanced treatment at specialized clinics or hospitals in case your general practitioner cannot give you the further medical treatment required.
- Hospitalization care; under this service, you can get the treatment and care which requires (overnight) hospitalization.
The following table provides a quick overview of the BPJS health care premiums:
Allocation of health care premium payments*
| BPJS Kesehatan | Employer’s share | Employer’s maximum | Employee’s share | Employee’s maximum |
| Health Insurance | 3% | Capped at 3% out of a maximum salary of IDR 8 million | 2% | Capped at 2% out of a maximum salary of IDR 8 million |
*This information is not legally binding and may be subject to change
If you are residing in Indonesia as an individual, you can obtain a personal BPJS Health Insurance.
Be aware that several complicated or enduring medical treatments are not covered by the BPJS insurance scheme. So if you wish to have better coverage, you should consider taking out an additional health insurance policy at a commercial healthcare insurance company at your own expense.
Social Security
- Elderly Protection, known as Jaminan Hari Tua (JHT); receive a benefit once you have left the company or when you reach the age of 55 years.
- Pension Plan, known as Jaminan Pensiun (JP); receive a benefit when you have reached the retirement age.
- Work Accident Protection, known as Jaminan Kecelakaan Kerja (JKK); receive compensation for medical expenses incurred resulting from work-related accidents during working hours in the company.
- Accidental Death - Life Insurance, known as Jaminan Kematian (JK); receive compensation under a life term insurance, benefitting the next of kin in case of non-work related death while employed by the company.
The following table provides a quick overview of the BPJS social security premiums:
Allocation of social security premium payments*
| BPJS Ketenagakerjaan | Based on | Employer’s share | Employee’s share |
| Elderly Protection (JHT) | Monthly salary | 3,7% | 2% |
| Pension Plan (JP) | Monthly salary | 2% | 1% |
| Work Accident Protection (JKK) | Monthly salary | 0.24% – 1.74% | 0% |
| Accidental Death - Life Insurance (JK) | Monthly salary | 0,3% | 0% |
*This information is not legally binding and may be subject to change
If you are an independent professional i.e. working as a freelancer in Indonesia, you can register as an independent BPJS Social Security member.
Take into account that when you have a company in Indonesia, you must register all of your employees at the BPJS Ketenagakerjaan, including the director and commissioners who are residing in the country, after which they will receive a social security card.
Be aware that the pension and accidental death benefits are not that substantial. So if you wish to build up extra pension or receive higher accidental death settlements, then you should consider taking out an additional capital insurance or life insurance at a commercial insurance company at your own expense.
AdvintA can help you to comply with the health care & social security policies for yourself, your company a/o your employees.