Health & protection
Indonesian social insurance explained
Plain-language guide to Indonesian health and employment social insurance, benefits, contributions and enrolment.
English edition. Official forms and source documents may be in Indonesian.
QUICK ANSWER
What do BPJS Kesehatan and BPJS Ketenagakerjaan cover, and how do I register?
BPJS Kesehatan runs JKN for healthcare under its referral rules. BPJS Ketenagakerjaan runs employment-related protection such as JHT, JKK, JKM, JP and JKP. These are separate systems; contribution and benefit rules depend on membership type. For private-sector employees, salary deductions for BPJS are 1% for JKN, 2% for JHT and 1% for JP (each with a wage cap); the employer pays the rest.
See 9 official references ↓Open the official service ↗bpjs-kesehatan.go.id
Guide contents
What you need to register for BPJS
- NIK, Family Card, phone and employment or employer details.
- Check whether you are an employee, self-employed or contribution-assistance participant.
How to register for BPJS
Identify the two agencies
Use BPJS Kesehatan for JKN and BPJS Ketenagakerjaan for work-related benefits; their cards and apps are not interchangeable.
Check membership
Check Mobile JKN for health and JMO for employment; ask an employer to correct missing registration.
Enrol by category
Self-paying health members can follow Mobile JKN registration; employers generally register their workers in applicable categories.
Follow the benefit route
For non-emergency health care, follow primary-care and referral routes. For JHT/JKK/JKM/JP/JKP, use each benefit’s claim procedure.
BPJS contributions
JKN and employment contributions vary by category, class or wage and programme. Official apps show current bills or status. A JHT balance is not a health-claim balance.
| Programme | Private-sector employees | Self-employed / non-wage members |
|---|---|---|
| JKN (BPJS Kesehatan) | 5% of salary: 4% employer, 1% worker; salary base capped at Rp12,000,000 | Class I Rp150,000, Class II Rp100,000, Class III Rp35,000 per person per month (plus a Rp7,000 government subsidy) |
| JHT | 5.7% of wages: 3.7% employer, 2% worker | 2% of the income band, from Rp20,000 |
| JKK | 0.24%-1.74% of wages by risk level, paid by employer | 1% of the income band, from Rp10,000 |
| JKM | 0.3% of wages, paid by employer | Rp6,800 a month |
| JP | 3% of wages: 2% employer, 1% worker; wage base capped at Rp11,086,300 | Not among the programmes listed for non-wage members |
Check current requirements, availability and charges through the official reference ↗ before applying or paying.
JKN coverage and referrals
JKN supports medically indicated care under programme rules, including primary care, referrals, inpatient care and covered medicines. Personal preferences and exclusions matter; ask BPJS or the facility about class, referrals and coverage.
Worker programmes
JHT is old-age savings; JKK covers work injury; JKM death; JP pensions; and JKP qualifying job loss. Each programme has its own documents and procedure.
Things to check carefully
- Active membership does not mean every claim is immediately payable.
- Never share JMO or Mobile JKN OTPs with intermediaries.
- The wage caps for JKN (Rp12,000,000) and JP (Rp11,086,300) differ, so deductions are not always exactly 4% of the full salary.
Frequently asked questions
Are Jamsostek and JKN the same?
No. “Jamsostek” commonly refers to BPJS Ketenagakerjaan, while BPJS Kesehatan runs JKN.
Is BPJS Kesehatan compulsory?
Yes. Presidential Regulation 59/2024 states that every resident of Indonesia must join the national health insurance scheme by registering or being registered with BPJS Kesehatan. Active JKN status is also required for other services, such as a police clearance (SKCK).
How much BPJS is deducted from my salary?
For private-sector employees: 1% for JKN (salary base capped at Rp12,000,000), 2% for JHT and 1% for JP (wage base capped at Rp11,086,300 since March 2026). The employer pays 4% for JKN, 3.7% for JHT, 2% for JP, and all of JKK (0.24%-1.74% by risk level) and JKM (0.3%).
How much does self-employed (non-wage) BPJS Ketenagakerjaan cost?
Contributions follow your declared income band: JKK 1% (from Rp10,000), JKM Rp6,800 and JHT 2% (from Rp20,000). BPJS's example for Rp1,000,000 income totals Rp36,800 a month. JKK and JKM are discounted 50% from April to December 2026 outside the transport sector, and from January 2026 to March 2027 in transport.
What does JKM pay if a worker dies?
For salaried workers who die while membership is active: a Rp20,000,000 death benefit, Rp12,000,000 in periodic benefit paid as a lump sum, Rp10,000,000 for funeral costs, and scholarships for up to 2 children if contributions were paid for at least 3 years and the death was not a work accident.
How much is the monthly pension (JP)?
BPJS Ketenagakerjaan lists 2026 monthly JP benefits of at least Rp411,400 and at most Rp4,932,300. The JP contribution is 3% of wages (2% employer, 1% worker) on wages up to Rp11,086,300.
Is there a BSU wage subsidy in 2026?
The government announced on 30 September 2026 that it will pay the BSU wage subsidy again in the fourth quarter: Rp300,000 a month for three months, paid once (Rp900,000), to about 13.3 million workers. As of 1 October 2026 the Manpower regulation setting eligibility and payment dates had not been issued, so ignore “register for BSU” or “check BSU” links until Kemnaker and BPJS Ketenagakerjaan announce it officially.
Sources and review
Editorial review of public information: . This is not a review by an agency officer or a professional adviser. Reviewed by Kaiser Khan, publisher of Panduan Warga. Official document titles are retained below.
- BPJS Kesehatan: panduan administrasi Mobile JKN ↗bpjs-kesehatan.go.id · Accessed 25 September 2026
- BPJS Ketenagakerjaan: cara klaim program ↗www.bpjsketenagakerjaan.go.id · Accessed 25 September 2026
- BPJS Kesehatan: iuran JKN ↗bpjs-kesehatan.go.id · Accessed 25 September 2026
- Perpres 59/2024 tentang Jaminan Kesehatan (JDIH BPK) ↗peraturan.bpk.go.id · Accessed 25 September 2026
- BPJS Ketenagakerjaan: peserta penerima upah (iuran dan manfaat) ↗www.bpjsketenagakerjaan.go.id · Accessed 25 September 2026
- BPJS Ketenagakerjaan: peserta bukan penerima upah (iuran) ↗www.bpjsketenagakerjaan.go.id · Accessed 25 September 2026
- PP 46/2015 tentang Program Jaminan Hari Tua (JDIH BPK) ↗peraturan.bpk.go.id · Accessed 25 September 2026
- Surat BPJS Ketenagakerjaan B/1226/022026: batas upah Jaminan Pensiun Rp11.086.300 mulai Maret 2026 (salinan) ↗494075.fs1.hubspotusercontent-na1.net · Accessed 25 September 2026
- Setneg: bantuan pangan dan subsidi upah kuartal IV 2026 (30 September 2026) ↗www.setneg.go.id · Accessed 1 October 2026
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