Category: Compliance Services
Written by Dewi Tri Utami on 23/08/2022
The author’s views are entirely their own and may not always reflect the views of Putranto Alliance.
All Indonesian residents, including expats living in the country for 6 months or more, should obtain Healthcare BPJS (BPJS Kesehatan). This BPJS type in Indonesia is independently processed by individuals.
However, if you are a part of a company for both local and foreign companies, you will also get a Social Security Card (BPJS Ketenagakerjaan). The company provides BPJS to protect all of its employees. Apart from BPJS, there are also other types of independent insurance that you can have.
With this service, we can assist with your social security and health insurance registration, filing required documentations, and help with updating the company’s data when required.
This article discusses the BPJS types and other insurance types in Indonesia.
According to Law No. 11 of 2020 (UU No. 11 Tahun 2020), the Social Security Organizing Agency (Badan Penyelenggara Jaminan Sosial (BPJS)) is a legal entity that organizes the Indonesian Migrant Labor Social Security program. There are two versions of BPJS: BPJS Kesehatan and BPJS Ketanagakerjaan. BPJS is implemented in Indonesia to give Indonesian people social welfare and health services to improve the quality of life in Indonesia.
Currently, registration for BPJS Kesehatan and BPJS Ketenagakerjaan can be done online. In more detail, here are the registration steps:
Both Healthcare BPJS and Social Security BPJS are mandatory. Anyone living in Indonesia and is in employment with a company based in Indonesia must have the two kinds of BPJS. They serve the insurance holders in different ways. This is done as the government’s effort to create the welfare of all Indonesian people.
In case you need extra protection, there are many kinds of independent insurance companies that you can choose from. This section informs you of the types of insurance in Indonesia:
This BPJS type is mandatory for any company. If you own a company, you must register your employees to this kind of BPJS. Otherwise, if you work in a company in Indonesia, your company must provide you with the service of obtaining a Social Security Card. However, if you are a freelancer and want one, you can also register as an independent Social Security BPJS member. If you have a Social Security Card, you have basic protections for:
As the name suggests, this BPJS type gives the holders some healthcare protections, including:
There are 3 classes of Healthcare BPJS. Each class differs in what kinds of treatment and how much the cost of medical treatments are covered. If you choose Class 1 Healthcare BPJS, you need to pay more. In return, you receive more services and reimbursement for hospitalization services. However, if you wish to have VIP services, you must pay extra money for the hospitalization services. Please note that BPJS cannot cover some advanced medical treatments, for example, heart surgery and some advanced dental procedures. If you wish to have more services, you could join another independent healthcare insurance at your own expense.
Here are some tips for choosing the right insurance:
Putranto Alliance professional team helps you to register insurance in Indonesia. You don’t need to have a burden to have personal and company insurance.
We help you take care of your personal and company’s BPJS (Healthcare BPJS and Social Security BPJS for you and/or your employees) and your other independent insurance products for your extra protection in Indonesia.
BPJS is a legal entity that organizes the Indonesian Migrant Workers Social Security program.
There are 2 types, namely BPJS Kesehatan and BPJS Employment
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