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BPJS Registration and Advisory Service

Written by Lydia Indriany Widjaja on 15/08/2024
The author’s views are entirely their own and may not always reflect the views of Putranto Alliance.

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Introduction

The BPJS (Badan Penyelenggara Jaminan Sosial) program is Indonesia’s mandatory social security system, encompassing both manpower (BPJS Ketenagakerjaan) and healthcare (BPJS Kesehatan) services. Whether you’re an employer looking to ensure compliance or an individual seeking comprehensive health coverage, understanding the ins and outs of BPJS is crucial. Our BPJS advisory and registration service is designed to guide you through the process, ensuring that you meet all legal obligations while securing the benefits you’re entitled to.

Definition

BPJS, which stands for Badan Penyelenggara Jaminan Sosial, is a government-mandated social security and healthcare system designed to provide comprehensive welfare and health services to Indonesian residents. BPJS aims to ensure that people receive social welfare and health services to improve the quality of life and development of the country.

BPJS is administered by two main agencies:

BPJS Ketenagakerjaan (Manpower): This program provides protection to workers against work-related accidents, death, old age, and other employment risks. It is mandatory for all employees and employers in Indonesia.

BPJS Kesehatan (Healthcare): This program offers universal healthcare coverage to all Indonesian citizens and residents. It is a government-mandated insurance program designed to provide affordable and accessible healthcare services.

Both programs are funded through contributions from employers, employees, and the government, ensuring a broad safety net for workers and their families.

The Importance of BPJS

BPJS is crucial for ensuring the welfare of all Indonesian residents. Both Healthcare BPJS and Manpower BPJS are mandatory for anyone living in Indonesia and employed by a company based in the country.

Participating in BPJS programs is vital for several reasons:

Legal Compliance: For businesses, enrolling in BPJS Ketenagakerjaan and BPJS Kesehatan is mandatory under Indonesian law, ensuring that you meet regulatory requirements.

Employee Welfare: BPJS programs provide essential protection for employees, covering healthcare needs and mitigating financial risks associated with work-related injuries, illness, or retirement.

Access to Healthcare: BPJS Kesehatan ensures that individuals have access to a wide range of medical services, from routine check-ups to major surgeries, promoting overall public health.

Financial Security: BPJS Ketenagakerjaan offers financial benefits such as pension funds and compensation for workplace injuries, providing workers with a safety net during unforeseen circumstances.

Social Responsibility: Participating in BPJS programs reflects a company’s commitment to social responsibility, ensuring the well-being of its employees and contributing to the nation’s social security system.

The Best Time to Engage with BPJS Service

Understanding when to engage with BPJS services is crucial for ensuring compliance and maximizing benefits:

Upon Hiring Employees: Employers must register new employees for BPJS Ketenagakerjaan and BPJS Kesehatan as soon as they are hired, ensuring immediate coverage and compliance with regulations.

Starting a New Business: New businesses should engage with BPJS services during the setup phase to ensure all legal obligations are met from the outset.

Changing Employment Status: If there are significant changes in employment status, such as promotions, transfers, or layoffs, it’s important to update BPJS registrations accordingly.

Before Retirement: Workers approaching retirement should engage with BPJS Ketenagakerjaan to understand their entitlements and prepare for financial security in their post-employment years.

Family Health Planning: Families planning for long-term healthcare should ensure all members are registered with BPJS Kesehatan to take full advantage of the program’s benefits.

Benefits of BPJS

BPJS offers significant advantages to employees, ensuring both immediate healthcare access and long-term financial security. Employees registered with BPJS generally find it easier to access healthcare services. Additionally, employees have the option to withdraw the funds accumulated under the other BPJS Protections, offering financial security for their future.

Here are some of the specific benefits of Healthcare BPJS and Manpower BPJS:

Benefits of Healthcare BPJS

Basic Healthcare Provider: Allows you to choose a doctor or clinic for basic healthcare services, including but not limited to dental and eye care.
Advanced Healthcare Service: Provides referrals to specialist doctors or larger hospitals if further medical treatment is required.
Hospitalization Service: Covers hospitalization costs, with three classes of service determining the extent of coverage and reimbursement.

Benefits of Manpower BPJS

JHT (Jaminan Hari Tua/Old Age Protection): Provides benefits upon leaving the company, with maximum benefits typically available after ten years of service.
JKK (Jaminan Kecelakaan Kerja/Working Accident Protection): Offers compensation for accidents occurring during work hours or related to job tasks.
JKM (Jaminan Kematian/Death Protection): Provides benefits in the event of death during employment.
JP (Jaminan Pensiun/Pension Protection): Offers compensation upon reaching retirement age.

Requirements

To engage with our BPJS registration services, please prepare the following documents:

For Individuals:
- Identification (Kartu Tanda Penduduk/KTP or passport) of the individual;
- Proof of residence;
- Family Card.
For Legal Entities:
- Identification (KTP or passport) of the owner and person-in-charge (PIC);
- Business Identification Number (Nomor Induk Berusaha/NIB) and its copy;
- Business Taxpayer Identification Number (Nomor Pokok Wajib Pajak/NPWP) and its copy;
- Establishment deeds with its amendments and its copy;
- Employee details as stated for individuals above.

Duration

The BPJS registration process typically takes around 3 working days upon submission of complete documentation and application forms.

BPJS Registration Process

Registration for Healthcare BPJS for Business Entities:

Choose the registration location according to the work area of the Healthcare BPJS Branch Office.
Complete the Business Entity Registration Form, including an email address for activation link delivery.
Activate the account via the email notification received.
Receive attachments, including printed registration forms, business entity code numbers, JKN-KIS contribution payment account numbers, and access rights for registering workers and family members on the Healthcare BPJS e-dabu website.

Registration for Manpower BPJS for Business Entities:

Complete the Business Entity Registration Form, including an email address for activation link delivery.
Activate the account via the email notification received.
Receive attachments, including printed registration forms and access rights for registering workers and family members on the SIPP Manpower BPJS website.

How We Can Help

Our BPJS advisory and registration service is tailored to assist both companies and individuals in navigating Indonesia's social security system. Putranto Alliance's professional team is ready to assist with BPJS registration in Indonesia. Our services include:

Personal BPJS Registration: Has the required css code for numbered or unnumbered list.
Company BPJS Registration: We assist businesses in registering their employees for both Healthcare BPJS and Manpower BPJS, streamlining the process and ensuring all legal requirements are met.
Independent Insurance Products: We provide guidance on selecting and registering for additional independent insurance products for extra protection.
Simulation Tools:
We provide calculators on our website to provide basic calculations for your estimation purposes for better financial planning and responsibility management.

FAQs

Can freelancers register for Manpower BPJS? 

Yes, freelancers can register as independent members of Manpower BPJS following the employment agreement.

How are BPJS contributions paid? 

For employees, BPJS contributions are paid by both the company and the employee. Independent members must pay the monthly fee themselves.

Can BPJS cover advanced medical treatments? 

Healthcare BPJS may not cover some advanced medical treatments, such as heart surgery and certain dental procedures. Additional independent healthcare insurance may be required for these services.

What are the consequences if I am late in paying my BPJS contributions?

The late payment consequence for Manpower BPJS is 2% of the monthly contribution. For Healthcare BPJS, their BPJS will become inactive starting from the 1st of the following month.

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