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BPJS Indonesia for Workers: Programs, Components, and Benefits

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31 Jul 2024
BPJS Indonesia for Workers: Programs, Components, and Benefits

Indonesia’s Social Security Agency on Health (Badan Penyelenggara Jaminan Sosial/BPJS) is an institution established by the Indonesian government to provide social security to all people, including workers. This institution, which consists of two main programs, plays a vital role in ensuring the welfare and health of the workforce in Indonesia.

With the aim of offering maximum protection to workers, the two main programs of BPJS Indonesia are BPJS Kesehatan (health) and BPJS Ketenagakerjaan (employment). BPJS Kesehatan provides access to quality health services for all workers, while BPJS Ketenagakerjaan focuses on protecting workers from risks that may arise due to work accidents, old age, and death. Both programs allow workers to work with peace of mind without having to think about health costs or other risks.

In this article, we will discuss the various components of the two BPJS programs and their benefits. With a better understanding of the rights and benefits of BPJS, it is hoped that workers can be more optimal in utilizing the facilities provided by the government.

BPJS Kesehatan for Employees

Becoming a BPJS Kesehatan participant is an obligation for all Indonesian Citizens (Warga Negara Indonesia/WNI), including Foreign Citizens (warga negara asing/WNA) who have resided in Indonesia for more than 6 months. The benefits offered by BPJS Kesehatan include:

  1. Comprehensive Coverage

BPJS Kesehatan members receive complete benefit coverage in various health services, including primary care, specialist services, hospitalization, surgery, and prescription drugs.

  1. Preventive Services

Not only that, the program also covers preventive health services, such as immunizations and health screenings. Workers, also known as Wage Recipient Workers (Pekerja Penerima Upah/PPU), receive BPJS Kesehatan by sharing contributions between employers and employees. The premium amount is set as a percentage of the worker’s monthly salary before taxes and fixed allowances. However, there is a maximum salary limit used for premium calculation.

For private employees, the BPJS Kesehatan premium is calculated as a percentage of the employee’s monthly salary. The applicable premium rates are as follows:

  • Total Premium: 5% of base salary and fixed allowances (job allowance, transportation allowance, and others).
  • Employer Contribution: 4% of base salary and fixed allowances.
  • Employee Contribution: 1% of basic salary and fixed allowances.

However, there is a maximum limit to the salary subject to the premium, which is IDR12,000,000. Thus, even if the employee’s salary is higher than this limit, the premium will still be calculated based on a salary of IDR12,000,000. Here is an illustration.

Example 1: Private Employee with a Salary of IDR10,000,000

Total Premium: 5% of Rp10,000,000 = Rp500,000

Paid by Employer: 4% of IDR10,000,000 = IDR400,000

Paid by Employee: 1% of IDR10,000,000 = IDR100,000

Example 2: Private Employee with Salary IDR15,000,000

Total Premium: 5% of IDR12,000,000 = IDR600,000 (with a salary cap of IDR12,000,000)

Paid by Employer: 4% of IDR12,000,000 = IDR480,000

Paid by Employee: 1% of IDR12,000,000 = IDR120,000

BPJS Ketenagakerjaan Components

BPJS Ketenagakerjaan own four components for workers, including:

1. Work Accident Protection (Jaminan Kecelakaan Kerja/JKK)

Under the Work Accident Protection (JKK), the benefits provided include monetary allowances and/or healthcare services provided when participants experience work accidents or illnesses due to work environment conditions. The benefits obtained by participants include covering care and treatment according to their medical needs, as well as monetary allowances and a Return to Work Program.

Furthermore, JKK contribution is paid by employers ranging from 0.24% to 1.74% of workers’ monthly wages based on risk categories. The occupational risk categories are classified based on the level of potential hazards that may be encountered in each type of job.

Risk CategoriesPremium RateDescription
Low Risk (Class I)0.24% of monthly salary.Administrative, clerical jobs, etc
Medium-Low Risk (Class II)0.54% of monthly salary.Retail, manufacturing with moderate risk
Medium Risk (Class III)0.89% of monthly salary.Various technical and service jobs
Medium-High Risk (Class IV)1.24% of monthly salary.Jobs with significant risk factors
High Risk (Class V)1.74% of monthly salary.Dangerous jobs, high injury risks
Risk categories on Work Accident Protection (JKK).

2. Death Protection (Jaminan Kematian/JK)

Death Insurance (JK) is a benefit in the form of cash payments given to the heirs if the participant dies due to causes other than work accidents or occupational diseases.

In JK, all contributions are paid by the employer at around 0.3% of the worker’s monthly wage.

3. Old Age Protection (Jaminan Hari Tua/JHT)

Old Age Security (JHT) is a program that provides cash benefits to participants when they stop working or enter retirement. This benefit is based on the accumulation of contributions during the working period.

JHT contribution is paid at 5.7% of the worker’s monthly wage with the details:

  • Employee Contribution: 2%
  • Employer Contribution: 3,7%

4. Pension Protection (Jaminan Pensiun/JP)

Pension Protection (JP) is a social protection program that provides pension benefits to participants who have reached retirement age or under certain conditions that meet the pension requirements.

JP covers contributions amounting to 3% of the worker’s monthly wage, with a maximum calculated wage limit of IDR10,042,300.

The contribution details are as follows:

  • Worker Contribution: 1%
  • Employer Contribution: 2%

With the various benefits offered by BPJS Indonesia and its components, workers can now feel more secure and protected. The existence of these various health and safety guarantees ensures that occupational health and safety need not be a concern for workers.
To optimize various BPJS components for employees, outsourcing services from RecruitFirst Indonesia can help. Contact us today and maximize your BPJS management now!

Debby Lim
Author
Debby Lim

As the business leader of RecruitFirst Indonesia, Debby brings over 13 years of industry experience to the team. With a wealth of knowledge across various industries, Debby excels at handling diverse roles and delivering exceptional results.

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