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.
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.
See 2 official references ↓Open the official service ↗bpjs-kesehatan.go.id
Guide contents
What to prepare
- NIK, Family Card, phone and employment or employer details.
- Check whether you are an employee, self-employed or contribution-assistance participant.
Steps you can follow
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.
Costs and timing
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.
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.
Frequently asked questions
Are Jamsostek and JKN the same?
No. “Jamsostek” commonly refers to BPJS Ketenagakerjaan, while BPJS Kesehatan runs JKN.
Sources and review
Editorial review of public information: . This is not a review by an agency officer or a professional adviser. Official document titles are retained below.
- BPJS Kesehatan: panduan administrasi Mobile JKN ↗bpjs-kesehatan.go.id · Accessed 23 September 2026
- BPJS Ketenagakerjaan: cara klaim program ↗www.bpjsketenagakerjaan.go.id · Accessed 23 September 2026
Current agency rules take precedence. Editorial method · Report a correction