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Must small businesses register BPJS

Saya punya 2 karyawan. Wajib daftar BPJS?

The situation

Yes. Employers must register their workers in BPJS Kesehatan and BPJS Ketenagakerjaan, whatever the size of the business.

The law

  • Art 14 and 15, Law 24/2011 on BPJS: Every person, including a foreigner working at least 6 months in Indonesia, must join; employers must register their workers and pay contributions
  • Perpres 82/2018 on health insurance, as amended by Perpres 64/2020 and Perpres 59/2024: Wage earner contribution is 5 percent of monthly wage (4 percent employer, 1 percent employee) up to a wage cap of IDR 12,000,000

What it means for you

Micro businesses may join a reduced set of employment programmes at first, but health coverage applies. Example: two staff on IDR 5 million each: health contribution IDR 250,000 each, of which IDR 200,000 by employer.

What to do

  1. Register the business on both portals.
  2. Enrol both workers.
  3. Set up monthly payments.
  4. Deduct the employee share.

Not registering exposes you to claims if a worker is injured.

We can do this for youBPJS registration and monthly contributions: BPJS Kesehatan and BPJS Ketenagakerjaan (JHT, JP, JKK, JKM, JKP): IDR 4.500.000

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