[ID] BPJS Kesehatan

BPJS Kesehatan stands for Badan Penyelenggara Jaminan Sosial Kesehatan (Social Security Healthcare Agency), an organization in Indonesia that manages the national health insurance program (Jaminan Kesehatan Nasional or JKN). This program aims to provide health protection for all Indonesian citizens, ensuring access to quality healthcare services at affordable costs.

Who is Required to Join BPJS Kesehatan?

1. Formal Employees (Pekerja Penerima Upah or PPU):

   • Employees of private companies.
   • Civil servants.
   • Members of the military or police force.
   • Employees of state-owned or regional-owned enterprises (BUMN/BUMD).

2. Self-Employed Workers (Pekerja Bukan Penerima Upah or PBPU):

   • Entrepreneurs, freelancers, or self-employed individuals.

3. Non-Workers:

   • Individuals such as investors, landlords, or others.

4. Contribution Assistance Recipients (Penerima Bantuan Iuran or PBI):

   • Low-income individuals whose premiums are subsidized by the government.

5. Family Members of BPJS Participants:

   • Children (up to 3 children).
   • Spouse(s).

BPJS Kesehatan Calculation

1. Formal Employees (PPU):

• The contribution is 5% of the employee's monthly salary, divided as follows:

  • 4% paid by the employer.
  • 1% paid by the employee.

• Example: If an employee earns Rp7,000,000 per month, the BPJS is:

  • Total: 5% x Rp7,000,000 = Rp350,000.
  • Employer's portion: 4% x Rp7,000,000 = Rp280,000.
  • Employee's portion: 1% x Rp7,000,000 = Rp70,000.

2. Self-Employed Workers (PBPU) or Independent Participants:

Self-employed participants pay based on the selected class of service:

• Class 1: Rp150,000 per person per month.
• Class 2: Rp100,000 per person per month.
• Class 3: Rp35,000 per person per month (subsidized by the government).

Benefits of BPJS Kesehatan

1. Universal Health Protection:

   • Access to healthcare services ranging from community health centers to referral hospitals.

2. Free Medical Services:

   • Includes general practitioner consultations, specialist treatments, inpatient care, surgeries, medications, and dialysis.

3. No Cost Limit for Major Illnesses:

   • No cap on costs for severe illnesses (e.g., cancer, heart disease, or dialysis), as long as procedures are followed.

4. Financial Relief:

   • Reduces the financial burden of healthcare expenses.

5. Access to Referral Healthcare Services:

   • Participants can receive medical services at first-tier facilities (health centers, clinics) and advanced facilities (hospitals) without upfront payments.

BPJS Kesehatan provides affordable and equitable access to healthcare services for all Indonesian citizens. The premiums vary depending on employment status and the desired service level. This program is highly beneficial in protecting individuals from unexpected healthcare costs.

Website: https://www.bpjs-kesehatan.go.id/#/

Contact Center: https://www.bpjs-kesehatan.go.id/#/kontak

Company Registration: https://new-edabu.bpjs-kesehatan.go.id/registrasibadanusaha/