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The Importance of Insurance and Social Security in Indonesia

If you are living and working in Indonesia for more than six months, you need to get insurance (BPJS Kesehatan) and social security too.

What Is the BPJS?

BPJS is insurance for individuals in Indonesia. It administers the Indonesian national health insurance (Jaminan Kesehatan Nasional or JKN). If you are part of an organisation, then you will also need the BPJS Social Security Card (BPJS Ketenagakerjaan). All companies should provide this to their employees.

BPJS provides different types of healthcare protection. This includes:

Basic healthcare
Advanced healthcare
Hospitalisation services

The three different classes would differ in price. Your insurance needs and the premium you pay will depend on which class of protection you choose.

If you have a social security card, basic protection is provided for the following categories:

Old age protection
Working accident protection
Death protection
Pension protection

Both BPJS and social security in Indonesia are compulsory. With the help of an agent like 3E Accounting, you will be given the guidance and advice to choose the best match for your needs and financial capabilities.

Who Can Apply for the BPJS or JKN?

Insurance and social security in Indonesia are mandatory for all residents. This includes ex-pats living in the country on the ITAS visas. All employers are required to provide employees with it too.

Employers in Indonesia must register all employees who have been with the company for more than six months. This includes family members who are dependents of the employee.

Registrations can be done online with the following documents:

Two photographs of the applicant
Phone and email contact details
Kartu Keluarga
Kartu Tanda Penduduk
Your NPWP
Bank account details used to pay the insurance premium

Once approved, your card can be picked up from the BPJS offices.

The premium that must be paid by those who are self-employed, non-employees and non-formal workers are:

Class I – Rp 160,000
Class II – Rp 110,000
Class III – Rp 42,000

Let 3E Accounting Help You

Let us help you make running your business a lot easier. Our team of professionals can help you register the right insurance for your every need. For more information about our services, contact our team today.