• Social Security and Healthcare Social Security Program for Workers
Newsletter:

Social Security and Healthcare Social Security Program for Workers

26 December 2017

  • Social Security Program

Social Security Program (BPJS Ketenagakerjaan / BPJS TK) covers:

  1. Working Accident Protection (JKK);
  2. Life Insurance (JK);
  3. Provident Fund Benefit (JHT); and
  4. Pension Benefit (JP).

Participation in the Social Security Program is mandatory for each individual including foreigner who has worked for at least 6 (six) months in Indonesia. The program is also mandatory for an employer that has 10 (ten) or more employees.

In this case, the employer has the obligation to engage their employees in the Social Security Program by completing and submitting the application form to the officials no later than 30 (thirty) days since the form receipt date from the employees.

Healthcare Social Security (BPJS Kesehatan) is a health insurance program provided by the government for participants to obtain healthcare benefits, which includes:

Basic health needs:

  • Preventive services
  • Examination, treatment and medical consultation
  • Non-specialist medical measures, both operative and non-operative
  • Drugs and disposable medical materials
  • Blood transfusions as required for the medical needs
  • Investigations for basic (first level) laboratory diagnosis
  • Basic (first level) hospitalization as required per medical indication

Level 2 health needs:

  • Examination, treatment and specific consultation by specialists and sub-specialists
  • Specialized medical measures according to medical indications
  • Medical supplies and medical consumables
  • Implant health care services
  • Continued diagnostic services as required per medical indication
  • Medical rehabilitation
  • Blood transfusion in accordance with medical needs
  • Forensic medical services
  • Facilities for the deceased
  • Stay care at non-intensive units
  • Stay care at intensive units

Compulsory Participation

Since 1 January 2016, all employees of an Organization (regardless of the type) of are obligated to be registered, including foreigner who has worked for at least 6 (six) months in Indonesia. Meanwhile, self-employed individuals and non-workers are required to be registered from 1 January 2019 onwards.

Comparison Table