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Pandu Consultancy
  • Pandu Consultancy Team

BPJS, Am I eligible for one?




BPJS, or Badan Penyelenggara Jaminan Sosial (The Social Security Administering Body), is an Indonesian government agency responsible for administering social security programs. There are two main branches of BPJS:


  1. BPJS Ketenagakerjaan (Employment): This branch covers worker's compensation, including accidents at work.

  2. BPJS Kesehatan (Health): This branch administers the national health insurance program, known as Jaminan Kesehatan Nasional (JKN), or simply BPJS Kesehatan. This program provides health insurance coverage to Indonesian citizens and foreigners residing in Indonesia for more than 6 months on a working visa.

Some key points about BPJS Kesehatan include:


  • Coverage for non-specialistic health services, such as examinations, treatments, medical consultations, and medication.

  • Access to advanced referral health services for both outpatient and inpatient care.

  • Other benefits as outlined by the program.

The premiums for BPJS Kesehatan are typically calculated based on factors such as the employee's salary, marital status, and the number of children they have.


Employers in Indonesia are generally responsible for registering their employees for BPJS coverage, including expatriates. However, it's important for individuals to ensure that their employer fulfills this responsibility.


If needed, individuals can also apply for BPJS coverage themselves, following similar steps as locals. This may involve registering with their ITAS or ITAP (limited or permanent visa stay).


If you require assistance or consultation regarding BPJS registration, contact us at info@panduconsultancy.com


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