Calculation of BPJS Kesehatan and BPJS Ketenagakerjaan Contributions covered by the Company for Employees

BPJS Kesehatan

Health insurance is one of the important benefits that companies must provide to their employees. One type of health insurance provided by companies is BPJS Kesehatan. BPJS Kesehatan Perusahaan is basically the same as individual BPJS Kesehatan, but the payment of premiums is taken from the employee’s salary calculation. The company has the authority to make deductions from the employee’s salary related to the premiums that must be paid with a certain percentage. The amount of BPJS Kesehatan premiums paid by the company is 5%, based on the Wage Recipient Worker tariff who works in private bodies. However, wage recipients only need to pay a premium of 1%, while the remaining 4% is paid by the company.

Calculating Contribution for BPJS Kesehatan

The process of calculating the BPJS premium deduction rate in accordance with BPJS Kesehatan regulations can be done by calculating 5% of the monthly salary, where 4% is borne by the employer and 1% is borne by the wage recipient.

For example, if an employee’s salary is Rp 5,000,000 per month, then the BPJS Kesehatan premium that must be paid by the company is 4% x Rp 5,000,000 = Rp 200,000 per month, while the BPJS Kesehatan premium that must be paid by the employee is 1% x Rp 5,000,000 = Rp 50,000 per month.

BPJS Kesehatan Perusahaan provides the same membership benefits as individual BPJS Kesehatan. The health facilities or faskes offered to BPJS company users are not different from those who use individual BPJS. However, BPJS Kesehatan Perusahaan provides convenience for companies in managing employee BPJS Kesehatan premiums.

Health insurance is not the only type of insurance that companies must provide to their employees. BPJS Ketenagakerjaan is also one type of insurance that must be covered by companies for their employees.

Also read: The Importance of Having BPJS Kesehatan for Indonesian Citizen

BPJS Ketenagakerjaan

BPJS Ketenagakerjaan is a social security program provided by the Indonesian government to protect workers from the risks of work accidents, job loss, and old age. BPJS Ketenagakerjaan provides benefits to participants consisting of wage recipients, non-wage recipients, and Indonesian migrant workers.

Regulation for BPJS Ketenagakerjaan

The BPJS Ketenagakerjaan regulation states that every company is required to register its employees as BPJS Ketenagakerjaan participants. The amount of BPJS Ketenagakerjaan premiums that must be paid by the company depends on the employee’s salary. The BPJS Ketenagakerjaan premium paid by the company is 3.7% of the employee’s salary, while the employee is only required to pay 2% of their wage.

Benefits of BPJS Ketenagakerjaan

BPJS Ketenagakerjaan provides benefits to participants consisting of wage recipients, non-wage recipients, and Indonesian migrant workers. The benefits provided by BPJS Ketenagakerjaan include accident insurance, job loss insurance, and old age insurance. The calculation of BPJS Ketenagakerjaan premiums that must be paid by employees and companies depends on the employee’s salary. The BPJS Ketenagakerjaan premium that must be paid by the employee is 2% of their wage, while the remaining 3.7% is paid by the company.

Implementation of BPJS Employment in Companies

The implementation of BPJS Ketenagakerjaan in companies is carried out by registering employees as BPJS Ketenagakerjaan participants. Companies must pay BPJS Ketenagakerjaan premiums in accordance with applicable regulations. Companies must also provide information about the benefits of BPJS Ketenagakerjaan to employees so that they can take advantage of the benefits provided by BPJS Ketenagakerjaan.

Conclusion

In conclusion, BPJS Ketenagakerjaan is a social security program provided by the Indonesian government to protect workers from the risks of work accidents, job loss, and old age. Companies are required to register their employees as BPJS Ketenagakerjaan participants and pay BPJS Ketenagakerjaan premiums in accordance with applicable regulations. The amount of BPJS Ketenagakerjaan premiums that must be paid by employees and companies depends on the employee’s salary. BPJS Ketenagakerjaan provides benefits to participants consisting of wage recipients, non-wage recipients, and Indonesian migrant workers.

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