BPJS for ride-hailing drivers and couriers: contributions, the 50% discount, joining and claiming

What to have ready

• Your NIK or KTP-el, an email address and an active mobile number.
• An estimate of your monthly income from driving or delivering, to choose the income base for JKK and JHT.
• Work details: type of work (driver or courier), where you work and your working hours.
• A savings account in your own name to receive claim payments.
• The JMO (Jamsostek Mobile) app for your digital card and paying BPJS Ketenagakerjaan contributions, and Mobile JKN for BPJS Kesehatan.
• For JKN: your KTP or family card (KK) and a savings book from a bank that offers direct debit (BNI, BRI, BTN, Mandiri or BCA).

How to join and use BPJS as a driver

1. Know which schemes are compulsory

   As a worker outside an employment relationship (self-employed), you must join JKK and JKM and may add JHT (Presidential Regulation 109/2013, Article 8(2)). JKK covers accidents while working, JKM pays out if you die from causes other than a work accident, and JHT is savings you can draw on later.

2. Choose your income base honestly

   JKK contributions are 1% and JHT 2% of the income base you choose from your monthly income band. For example, income up to Rp1,099,000 uses a base of Rp1,000,000. Temporary incapacity pay and death benefits after a work accident are calculated from this base, so under-reporting leaves you with small benefits.

3. Register through an official channel

   On bpjsketenagakerjaan.go.id choose Pendaftaran Peserta, then Bukan Penerima Upah (BPU), enter your email and the captcha, click the activation link in your email, fill in your details and pay with the contribution code you are sent. You can also go to a branch office, a Perisai agent, or an official partner such as BRILink agents, BNI Agen46 or the post office. Your membership card arrives within 7 days of payment.

4. Pay contributions regularly

   Pay monthly or for 1, 3, 6 or 12 months at once through JMO, partner banks, retail outlets or the other channels listed on the BPJS Ketenagakerjaan website, using just your NIK. For non-wage members, full JKM benefits are only paid once contributions have been made for 3 consecutive months.

5. Add JKN from BPJS Kesehatan

   BPJS Ketenagakerjaan does not cover ordinary illness. Register for JKN as a non-wage worker (PBPU) at a BPJS Kesehatan office or in Mobile JKN and choose a class. The first contribution is paid no earlier than 14 days and no later than 30 days after registering, so do not wait until you are ill.

6. Report a work accident within 2×24 hours

   If you are hurt while working, get medical help first, then report to a BPJS Ketenagakerjaan branch office within 2×24 hours (the stage I report). Have your membership card, KTP-el, a written account with copies of two witnesses’ KTPs, a police report for a traffic accident, and receipts ready.

BPJS contributions for drivers and couriers

Registering with BPJS Ketenagakerjaan and BPJS Kesehatan is free; you only pay contributions. Monthly BPU contributions are: JKK at 1% of your income base (from Rp10,000), JKM at Rp6,800, and JHT at 2% if you choose it (from Rp20,000). For the transport sector, JKK and JKM contributions are cut by 50% for contributions from January 2026 to March 2027, bringing the lowest JKK and JKM package to Rp8,400. Self-paid JKN is Rp35,000 for class III, Rp100,000 for class II and Rp150,000 for class I per person a month.

The 50% cut applies to existing and new non-wage members whose contributions are not paid from the state or regional budget, and it does not reduce benefits (PP 50/2025, Articles 3 to 5). A BPJS Ketenagakerjaan article dated 18 May 2026 says the discount for ride-hailing drivers runs until December 2026; we follow Article 7 of PP 50/2025 and the BPJS Ketenagakerjaan BPU contributions page, which set March 2027 contributions as the end for the transport sector. The full JKN class III contribution is Rp42,000; the government pays Rp7,000 of it as a contribution subsidy. JKN has no late-payment fine, but there is a service penalty if you are admitted to hospital within 45 days of your membership being reactivated.

Who counts as a non-wage member and which schemes are compulsory

Non-wage members (BPU) are people who work without being paid wages by an employer, including workers outside an employment relationship and the self-employed (Presidential Regulation 109/2013, Article 7). Ride-hailing drivers and couriers who partner with app companies fall into this group, because theirs is a partnership rather than an employment relationship. Under Article 8(2) of the same regulation they must join JKK and JKM and may join JHT. The BPJS Ketenagakerjaan BPU page currently lists JHT, JKK and JKM.

According to the Ministry of Transportation, Presidential Regulation 27/2026 gives drivers a right to social protection covering at least health insurance, JKK and JKM. Official statements do not yet say who pays the contributions, so until the implementing rules appear, assume it is up to you to keep your membership active, and check your partnership agreement.

The BPJS Ketenagakerjaan BPU page also lists dedicated registration routes for partner drivers of two app companies, with contributions paid from the partner’s account balance. These routes are optional: direct registration on the BPJS Ketenagakerjaan website, at a branch office, through a Perisai agent or through official payment partners remains open to every driver and courier, whichever app they use.

• BPJS Ketenagakerjaan: non-wage members (benefits, registration, contributions) ↗
• Presidential Regulation 109/2013 on phased social security membership ↗

The 50% JKK and JKM discount for the transport sector

Government Regulation (PP) 50/2025 on adjusting JKK and JKM contributions for non-wage members was signed and promulgated on 22 December 2025. The cut is 50% of the JKK and JKM contributions that would otherwise be due (Article 4), and benefits are not reduced (Article 5). Members whose contributions are paid from the state or regional budget do not get the cut.

For non-wage members in the transport sector, the cut applies to contributions for January 2026 to March 2027; for other sectors, to contributions for April to December 2026 (Article 7). The elucidation of Article 7 says the transport sector includes, among others, platform-based drivers, drivers not working through a platform, and couriers. If you have already paid in full for a discounted month, the overpayment is credited to the following month (Article 6).

BPJS Ketenagakerjaan gives this example: a member earning Rp1,100,000 to Rp1,299,000 pays Rp12,000 for JKK, which falls to Rp6,000 after the cut, and JKM falls from Rp6,800 to Rp3,400. JHT is not discounted. After March 2027 contributions return to normal unless new rules are issued.

• PP 50/2025: adjusted JKK and JKM contributions for non-wage members ↗
• BPJS Ketenagakerjaan: the 50% discount and who qualifies ↗

JKK and JKM benefits for non-wage members

JKK covers care and treatment according to medical need, including class I inpatient care, surgery and rehabilitation, plus land transport costs up to Rp5,000,000. While you cannot work, you receive temporary incapacity pay (STMB) of 100% of your income base for the first 12 months and 50% after that.

If a member dies in a work accident, their heirs receive a death benefit of 48 times the income base (60% × 80 × income base, and at least the JKM death benefit), funeral costs of Rp10,000,000, a periodic benefit of Rp12,000,000 and scholarships for up to two children. Disability from a work accident is also compensated according to a table of disability percentages.

JKM pays out if a member dies from causes other than a work accident: a death benefit of Rp20,000,000, a periodic benefit of Rp12,000,000 and funeral costs of Rp10,000,000, plus children’s scholarships if contributions were paid for at least 3 years. For non-wage members, full JKM benefits are only paid after 3 consecutive months of contributions; otherwise only the funeral costs are paid.

• BPJS Ketenagakerjaan: JKK, JKM and JHT benefits for non-wage members ↗
• PP 44/2015 on the JKK and JKM schemes ↗

How to claim JKK after an accident

Non-wage members or their families report directly to a BPJS Ketenagakerjaan branch office. The stage I report must be made within 2×24 hours, with a copy of your ID, your membership card and an account of what happened. The stage II report is completed after a doctor declares you recovered. BPJS Ketenagakerjaan decides whether the incident was a work accident within 30 days of receiving the stage I report.

Claim documents include forms 3, 3a and 3b (accident reports for stages I to III), your membership card, KTP-el, a written account with copies of two witnesses’ KTP-el, a police report for a traffic accident, treatment receipts and your savings book. The forms can be downloaded from the official website or collected from a branch office.

Payment is processed within 7 working days of the file being approved. You can track the claim at bpjsketenagakerjaan.go.id/tracking with your membership number (KPJ). Questions and complaints: call centre 175. For full steps at the scene of an accident, including Jasa Raharja compensation, see the guide on accidents and safety for drivers.

• BPJS Ketenagakerjaan: how to claim JKK ↗

JKN from BPJS Kesehatan for drivers and their families

JKN pays for healthcare outside work accidents, such as dengue, typhoid or childbirth. Self-employed drivers register as non-wage workers (PBPU) and choose a class: class III costs Rp42,000 per person a month, of which the government pays Rp7,000 so you pay Rp35,000; class II costs Rp100,000; and class I Rp150,000 (Presidential Regulation 64/2020, Article 34).

Individual registration needs your KTP or family card and a savings book from a bank offering direct debit: BNI, BRI, BTN, Mandiri or BCA. The first contribution is paid no earlier than 14 days and no later than 30 days after registering. After that, contributions are due by the 10th of each month.

There has been no fine for late JKN contributions since 1 July 2016. However, if you are admitted to hospital within 45 days of your membership being reactivated, there is a service penalty of 5% of the initial diagnosis cost multiplied by the number of months in arrears (up to 12 months, and at most Rp30,000,000).

• BPJS Kesehatan: JKN contributions ↗
• BPJS Kesehatan: registering as a PBPU member ↗

Things to check carefully

Frequently asked questions