Mandatory Healthcare & Social Security (BPJS)

In Indonesia, the Mandatory Healthcare and Social Security Scheme (BPJS) is a pivotal program designed to provide essential healthcare and social security coverage to the country’s citizens. This scheme encompasses various benefits and serves as a crucial element of the Indonesian social safety net.

 

Who Does it Apply to

The mandatory Healthcare and Social Security (BPJS) rule applies to all residents, including foreigners residing in Jakarta and across the country, for more than six months. Enrolled individuals benefit from BPJS Kesehatan (Healthcare BPJS) and BPJS Ketenagakerjaan (Social Security Card), processed regionally and supplied by employers to meet the welfare of employees, respectively.

Healthcare BPJS provides varied health coverage, while the Social Security Card guarantees protection in old age, during work-related accidents, death during service, and upon reaching pension age. Both the employer and the employee bear the monthly fee for this programme based on the scheme and salary.

BPJS Kesehatan provides healthcare coverage of three tiers, Class I, II, and III, based on the facilities and services offered. However, the Indonesian government plans to replace these tiers with a standard inpatient care tier (KRIS) by 2025, aiming to provide uniform services and improve healthcare equity for all Indonesians.

Adding to BPJS, Indonesia offers different independent insurances – life, health, vehicle, housing & property, educational, and travel. Choosing the right insurance involves factors like identification of need, legitimacy of the insurance provider, matching needs with financial capabilities and understanding country boundaries regarding benefits.