BPJS Ketenagakerjaan ( Worker Insurance )
BPJS Ketenagakerjaan ( Government Employment Insurance )
Government Employment Insurance – BPJS Ketenagakerjaan
BPJS Ketenagakerjaan is a public legal entity responsible to the President to provide protection to all Indonesian workers, whether in the formal or informal sector and have the status of Indonesian citizens (WNI) or foreigners (provided that they have worked in Indonesia for at least 6 months).
BPJS Employment is a health insurance program by the government in an effort to provide socio-economic protection to the community, especially workers in the work environment. Work Accident Insurance will provide protection for the risk of accidents that occur in an employment relationship, namely Work Accident Insurance (JKK), Death Insurance (JK), Old Age Security (JHT), Pension Security (JP), and the latest is Job Loss Insurance (JKP).
Government Employment Insurance– Company
Every company is required to register its employees as members of BPJS Employment. The company’s BPJS Health does not only apply to the formal sector, but also to informal workers.
BPJS Health participants registered by the company must pay the calculated monthly contribution. The calculation for the payment of the contribution will be partly deducted from the employee’s salary and partly will be paid by the company. The amount of contributions for BPJS Employment is adjusted to the facilities of each BPJS Employment program, namely:
1. Pension Plan
| Paid by Employer/Company | Paid by Employee |
|---|---|
| 3,7% x salary | 2% x salary |
2. Accident Insurance
| Risk Level | Paid by Employer/Company | Paid by Employee |
|---|---|---|
| Very low | 0,24% x salary | – |
| Low | 0,54% x salary | – |
| Medium | 0,89% x salary | – |
| High | 1,37% x salary | – |
| Very high | 1,74% x salary | – |
3. Life Insurance
| Paid by Employer/Company | Paid by Employee |
|---|---|
| 0,3% x salary | – |
4. Retirement Guarantee
| Paid by Employer/Company | Paid by Employee |
|---|---|
| 2% x salary | 1% x salary |
The calculation for the premium payment is adjusted to the salary received by the employee. To make it easier, the following is a simulation of the costs borne by the company and the employer with a salary of IDR 3 million with the work risk being at a low-risk level.
| Pension plan | BPJS allowance from the company | 3,7% x IDR 3.000.000 | IDR 111.000 |
|---|---|---|---|
| Employee dues | 2% x IDR 3.000.000 | IDR 60.000 | |
| Accident insurance | BPJS allowance from the company | 0,54% x IDR 3.000.000 | IDR 16.200 |
| Life insurance | BPJS allowance from the companyy | 0,3% x IDR 3.000.000 | IDR 9.000 |
| Retirement Guarantee | BPJS allowance from the company | 2% x IDR 3.000.000 | IDR 60.000 |
| Employee dues | 1% x IDR 3.000.000 | IDR 30.000 | |
| BPJS premium to be paid | IDR 286.200 | ||
Government Employment Insurance Registration Flow from the Company
Online
Offline
Government Employment Insurance Benefits for Companies
- Avoid administrative sanctions from government regulations against companies.
- Show the company’s concern for the welfare of employees.
- Showing the company’s concern in obeying and supporting all government regulations and programs.
Sanctions if the Company does not register Government Employment Insurance
- Subject to administrative sanctions, which include written warnings, fines, and/or not receiving certain public services.
- Revocation of business license, prohibition of hiring foreign workers, revocation of IMB.
Disclaimer:
The information provided here is based on our long experience. The process or requirement may vary depending on the specific facts and conditions. Besides, the law and regulations in Indonesia subject to frequent changes. Please contact us as your consultant to get an up to date information and accurate advice. More Information click here and You can also follow our social media accounts to see the latest information posts. please click on the following links: Facebook, Instagram, Linkedin, and Twitter.
Related Page
BPJS Kesehatan (Health Insurance)
Government Regulation Related to Health Insurance (BPJS Kesehatan)
BPJS Ketenagakerjaan (Government Employment Insurance)
Government Regulation Related to BPJS Ketenagakerjaan (Government Employment Insurance)
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