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Registering your company, resident directors and employees — foreign and local — in Indonesia's national health and employment insurance is a legal duty, not an extra. We register everyone, keep data up to date and help with claims.
| Topic | What you need to know |
|---|---|
| BPJS Kesehatan (health) | 5% of salary: 4% paid by the employer and 1% by the employee, on a salary base capped at IDR 12 million per month. |
| JHT — old-age savings | 5.7% of salary: 3.7% employer, 2% employee. |
| JP — pension | 3% of salary: 2% employer, 1% employee, up to a monthly salary cap. Eligibility for foreign staff should be confirmed case by case. |
| JKK — work accident | 0.24% to 1.74% of salary, paid by the employer depending on the risk level of the work. |
| JKM — death benefit | 0.3% of salary, paid by the employer. |
| Foreign employees | Foreigners working in Indonesia for at least six months must be registered. |
BPJS status is linked to other government services, and gaps are hard to explain to staff when they need care.
Employers who don't register their staff can face sanctions, including restrictions on certain public services.
Without active membership, employees can't use health coverage or claim work-accident benefits when it matters most.
Late registration or outdated salary data leads to arrears and corrections that take time to fix.
One service for company registration, people and claims.
Percentages of monthly salary. Caps and rates can change; we confirm current figures for your payroll.
| Programme | Employer | Employee | Total |
|---|---|---|---|
| BPJS Kesehatan (health) | 4% | 1% | 5% |
| JHT (old-age savings) | 3.7% | 2% | 5.7% |
| JP (pension) | 2% | 1% | 3% |
| JKK (work accident) | 0.24% – 1.74% | – | 0.24% – 1.74% |
| JKM (death) | 0.3% | – | 0.3% |
Health contributions apply to salary up to IDR 12 million per month; JP applies up to a separate monthly cap.
Register the company, directors and every employee — and keep it updated monthly.
Expats on KITAS working in Indonesia six months or more must be covered.
Add your spouse and children to national health insurance after your KITAS is issued.
We check your company, directors and staff registrations.
You get a clear scope — one-time registration or ongoing management.
We register the company and every eligible person and activate memberships.
We update joiners, leavers and salaries and support any claims.
BPJS is simple on paper and time-consuming in practice — especially for foreign staff.
| Do it yourself | Typical agency | Sam Consulting | |
|---|---|---|---|
| Knows which rules apply to your company | ✗ You research it yourself | ~ Generic checklist | ✓ Reviewed for your KBLI, size and setup |
| Works in Indonesian systems (OSS, Coretax, AHU) | ~ Indonesian-language portals | ✓ Yes | ✓ Yes — and we explain every step in English |
| Reminders before deadlines | ✗ Your own calendar | ~ Sometimes | ✓ Built into our client app |
| One contact for tax, legal and immigration | ✗ Several agents | ~ Usually separate teams | ✓ One account manager |
| Price clarity | ~ Hidden time cost | ~ Often "from" pricing | ✓ Fixed, written quote before work starts |
Get your company and team registered correctly.
BPJS kept current every month, alongside tax.
Every quote is fixed and in writing before work starts. Government and notary fees are listed separately, at cost.
Yes. Foreigners who work in Indonesia for at least six months must be registered in BPJS. We confirm which programmes apply to each employee.
For health insurance the employer pays 4% of salary (capped), and for employment insurance the employer pays 3.7% (JHT), 2% (JP, if applicable), 0.24–1.74% (JKK) and 0.3% (JKM). Employees pay 1% (health), 2% (JHT) and 1% (JP).
Resident directors who receive a salary from the company are generally registered like other employees. We review your setup.
Yes. Family members of KITAS or KITAP holders can be registered in BPJS Kesehatan.
We review the current status, fix data and arrears, and reactivate memberships with BPJS.
Yes. Our payroll compliance plan keeps BPJS and PPh 21 aligned every month, so salaries and contributions always match.
Book a free BPJS check. We'll confirm who must be registered, what it costs each month and how to fix any gaps.