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BPJS (Badan Penyelenggara Jaminan Sosial) and its relevance for expatriates have been a hotly debated topic over the years, particularly as most expatriates fail to see the personal benefit of the scheme. However, it is now a mandatory requirement for all Indonesian residents who have been living in the country for 6 months or more. Ultimately, if you are the holder of a KITAS, you will no longer be able to extend it unless you have been keeping up with your BPJS payments. We are here to help you with your BPJS registration.
BPJS is a government initiative, imposed on all citizens of Indonesia to provide universal social security and consists of healthcare, pension schemes, work placed injury recompense, as well as death benefits. This whole worker social security package aims to maintain decent basic living standards when participants encounter income loss or a decrease resulting from workplace injuries, old age, retirement, or death.
There are 2 types of BPJS Health, BPJS Kesehatan (Health Security), as well as BPJS Ketenagakerjaan (Social Security). If you are an individual, you must register for the healthcare scheme; however, if you are a company, you will need to register for the social security scheme for employees.
This is mandatory for medical services individuals living in Indonesia and it gives the holder healthcare protection. You can determine which type of protection you would prefer and they offer 3 different classes of service, each coming at a slightly higher cost point, but with increased benefits to the users.
If you are a business owner you must register all staff. If you are employees in Indonesia by a company they will register you and provide you with a Social Security Card. If you are working as a freelancer and would like to arrange cover, you can register for an Independent Social Security BPJS member.
Basic protection of Indonesian BPJS includes:
The monthly payments for the Social Security Programme should be paid by both the employer and the employee. Amount paid is in relation to what type of protection you prefer, as well as the salary itself. If you an independent member, you must pay the monthly fee by yourself.
Please note that this is not a complete insurance product, so if you require specific healthcare insurance, we would advise using an independent company.
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To qualify for BPJS registration, a foreign national must hold:
To qualify for BPJS registration, a foreign national must hold:
BPJS registration is mandatory where the foreigner:
While requirements may vary slightly by BPJS office, standard documentation includes:
For newly arrived expatriates, BPJS registration is typically processed shortly after KITAS issuance and payroll onboarding.
Regulators increasingly cross-reference BPJS data with:
For foreign-owned companies and regional headquarters using Indonesia as an ASEAN base, BPJS compliance is now a baseline governance requirement, not merely an HR task.
Navigating BPJS Registration in Indonesia is rarely a standalone task. For foreign professionals and investors, it sits alongside wider compliance obligations
Through our integrated Program in Indonesia, we support individuals and enterprises looking to establish a company in Indonesia, ensure workforce compliance, and set up a business with confidence. Our advisory spans immigration consultation, legal and business setup consultation, and tax consultation in Indonesia, delivered with the rigour expected by multinational firms and high-growth ventures.
To make your life simpler, Lets Move Indonesia also offers fully serviced packages to ensure your business operates smoothly. The All Inclusive Package takes care of your Monthly and Annual Reporting and saves you lots of time, stress, and money! To find out more Click Here!
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