All Indonesian residents, including expats who have been living in the country for 6 months or more, have the obligation to obtain BPJS Kesehatan (Healthcare BPJS). This BPJS type in Indonesia is independently processed by individuals. However, if you are a part of a company—for both local or foreign company—you will also get the so called BPJS Ketenagakerjaan (Social Security Card), which is provided by the company to protect all of its employees. Apart from BPJS (health BPJS and Social Security), there are also other types of independent insurance that you can have.
In this article, we will specifically discuss about the BPJS type as well as the Insurance types in Indonesia.
Both Healthcare BPJS and Social Security BPJS are mandatory. Anyone living in Indonesia and is in employment with company based in Indonesia must have the two kinds of BPJS. They serve the insurance holders in different ways. The general descriptions of both BPJS will be explained as follow.
As what the name suggests, this BPJS type gives the holders some healthcare protections, including:
There are 3 classes of Healthcare BPJS, which tell you what kinds of and how much the cost of medical treatments are covered. If you choose Class 1 Healthcare BPJS, you will need to pay more, but you will also receive more services and reimbursement for hospitalization service than if you choose Class 2 or 3. However, if you wish to have the VIP services, you must pay extra money for the hospitalization services.
Please note, in this type of mandatory, BPJS cannot cover some advanced medical treatments—for example heart surgery and some of advanced dental procedures. If you wish to have more services, you could join another independent healthcare insurance at your own expense.
This BPJS type is a mandatory for any company. It means that if you own a company, you must register all of your employees to this kind of BPJS. Otherwise, if you work in company in Indonesia, your company must provide you the service of obtaining Social Security Card. However, if you are a freelancer and would like to have one, you can also register as an independent Social Security BPJS member.
If you have a Social Security Card, you will have basic protections for:
The monthly payment for Social Security program should be paid by both the company and you (the card holder). Based on regulation, both parties should pay for the BPJS according to the type of protections and amount of monthly salary you get. If you are an independent member, you should pay the monthly fee all by yourself.
If you need extra protection, there are many kinds of independent insurance companies that you can choose. In this section, we will inform you with the types of insurance in Indonesia.
This type of insurance will give you benefit if you die. The benefit can be given to your beneficiaries after you die. However, some insurance companies enables you to claim your insurance before you die. If you do so, the amount of money received is usually not as much as when the beneficiaries claim it after your death.
If you have already had Healthcare BPJS but you want more protection, you could register for an independent healthcare insurance. This type of insurance will give you extra protection if you are ill or undergo certain medical procedures. Make sure that you know exactly what procedures the independent healthcare insurance can cover and how much the reimbursement for any hospitalization.
You can also insure your motor vehicle. This will protect your vehicle in case of a road accident, incident due to riot, incident due to disaster, stolen vehicle, etc. Again, you need to know exactly what kind of incidents or accidents covered before you choose a certain insurance agents.
If you own a property—for both individual and company property and building—you can register them in this type of insurance to protect them from any damage that may occur in the future. Reading all the clausal in the agreement is highly important so that you can make sure under what circumstances the damage of your house or property is covered.
If you have any members of the family, who are still in the school ages, this type of insurance is highly recommended. This will give them protection to continue their higher education.
This type of insurance is a short term insurance who will protect the holder while he or she is travelling—from the moment he or she departs until he or she returns home.
Next, here are some tips to choose the right insurance.
Cekindo professional team will gladly help you to register insurance in Indonesia. You don’t need to have a burden to have any kinds of personal as well as company’s insurance. We will help you to take care of your personal and company’s BPJS (Healthcare BPJS and Social Security BPJS for you and/or your employees) as well as your other independent insurance products for your extra protections.
Read also: Employee’s basic rights in Indonesia