BPJS and its relevance for expatriates, has 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 or a KITAS, you will no longer be able to extend it, unless you have been keeping on top of your BPJS payments.
So, what is it and who is it for?
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 decrease resulting from workplace injuries, old age, retirement or death.
There are 2 types of BPJS BPJS Kesehatan (Health Security) as well as BPJS Ketenagjerjaan (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 social security scheme for employees.
Healthcare BPJS (Kesehatan)
This is mandatory for 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.
Social Security BPJS (BPJS Ketenagakerjaan)
If you are a business owner you must register all staff. If you are employed 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 includes:
Old Age Protection, Working Accident Protection, Death Payment as well as Pension Protection.
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 insurances, we would advise using an independent company.
If you need to know more or would like to register yourself or your company for BPJS, then contact the LetsMoveIndonesia team! T: 021 300 297 27 E: Visit us in our office UG Floor, Bellagio Mall, Mega Kuningan or fill in the contact form below!