Health Insurance/ BPJS Kesehatan Assistance (Company)

What is BPJS Kesehatan?

BPJS Kesehatan (Badan Penyelenggara Jaminan Sosial Kesehatan) is Indonesia’s national health insurance program, managed by the Social Security Administering Body for Health. It is a mandatory program designed to provide universal health coverage for all Indonesian citizens and legal residents, including employees of companies operating in Indonesia.

BPJS Kesehatan aims to ensure that every individual has access to quality healthcare services, regardless of their economic status. For companies, enrolling employees in BPJS Kesehatan is not just a legal obligation but also a way to demonstrate corporate social responsibility and care for employee well-being.

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Why is BPJS Kesehatan Mandatory for Companies?

Under Law No. 24 of 2011 on the Social Security Administering Body (BPJS) and Law No. 40 of 2004 on the National Social Security System (SJSN), all companies in Indonesia are required to register their employees in the BPJS Kesehatan program. This includes:

• Local Employees: All Indonesian employees must be enrolled.
• Foreign Employees: Foreign workers with a valid work permit (KITAS) are also required to participate.

The program ensures that employees and their families have access to healthcare services, reducing financial burdens and improving overall productivity.

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Who is Eligible for BPJS Kesehatan?

1. Employees: All full-time employees, including contract workers, must be registered by their employer.
2. Dependents: Employees can also register their dependents (spouse and up to three children) under the program.
3. Foreign Workers: Foreign employees with a valid KITAS are eligible and must be registered by their employer.

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How Does BPJS Kesehatan Work for Companies?

Companies play a crucial role in the BPJS Kesehatan system. Here’s how it works:

1. Registration Process:

• Companies must register their employees with BPJS Kesehatan through the BPJS Online System.
• Required documents include:
  • Company Tax ID (NPWP).
  • Employee data (name, ID number, salary details).
  • Employee’s Family Card (KK) and ID card (KTP).

2. Contribution Payments:

• Contributions are shared between the employer and employee.
• The current contribution rate is 5% of the employee’s monthly salary, with:
  • 4% paid by the employer.
  • 1% paid by the employee.
• For employees earning below the regional minimum wage, the government covers the employee’s contribution.

3. Benefits for Employees:

• Access to healthcare services at BPJS Kesehatan partner facilities (hospitals, clinics, etc.).
• Coverage for outpatient and inpatient care, maternity services, emergencies, and more.
• Dependents (spouse and children) are also covered under the employee’s policy.

4. Reporting and Compliance:

• Companies must regularly update employee data and report any changes (e.g., new hires, resignations, salary adjustments).
• Monthly contributions must be paid on time to avoid penalties.

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What are the Benefits of BPJS Kesehatan for Companies?

1. Legal Compliance: Avoid fines and sanctions by fulfilling your legal obligations.
2. Employee Satisfaction: Show your commitment to employee welfare, boosting morale and retention.
3. Improved Productivity: Healthy employees are more productive and take fewer sick days.
4. Corporate Reputation: Enhance your company’s image as a socially responsible employer.

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Key Regulations Governing BPJS Kesehatan for Companies

1. Law No. 24 of 2011 on BPJS: Establishes BPJS Kesehatan as the sole provider of national health insurance.
2. Law No. 40 of 2004 on SJSN: Mandates social security coverage for all workers, including health insurance.
3. Government Regulation No. 86 of 2013: Details the implementation of BPJS Kesehatan, including contribution rates and benefits.
4. Minister of Manpower Regulation No. 18 of 2021: Reinforces the obligation of employers to register employees in BPJS Kesehatan.

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How to Register Your Company and Employees

1. Create a BPJS Online Account: Register your company on the BPJS Kesehatan online portal.
2. Submit Employee Data: Upload employee details, including salary information and dependents.
3. Pay Contributions: Ensure timely payment of monthly contributions.
4. Monitor and Update: Regularly update employee data and comply with reporting requirements.

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Why Choose Professional Assistance for BPJS Kesehatan Compliance?

Navigating BPJS Kesehatan regulations can be complex, especially for companies with many employees. Here’s why you should trust us:

1. Expert Guidance: Our team ensures your company complies with all BPJS Kesehatan requirements.
2. Efficient Registration: We handle the entire registration process, saving you time and effort.
3. Accurate Reporting: We ensure employee data and contributions are updated and reported correctly.
4. Ongoing Support: We provide continuous assistance to keep your company compliant.

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Pricing Information

The cost of BPJS Kesehatan contributions depends on employee salaries and the number of dependents. Contact our team for a detailed breakdown of costs and tailored solutions for your company.

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Act Now – Ensure Compliance and Protect Your Employees!

BPJS Kesehatan is not just a legal requirement – it’s an investment in your employees’ health and well-being. By complying with BPJS Kesehatan regulations, you demonstrate your commitment to your workforce and contribute to a healthier, more productive society.

Contact us today to get started with BPJS Kesehatan registration and compliance!

Let us help you navigate the BPJS Kesehatan system with ease and confidence. Together, we can build a healthier future for your employees and your business!