Employee Share (1%)
IDRNaN
Total Monthly Premium
IDRNaN
Employer Share (4%)
IDR0
Indonesia BPJS Health Insurance Calculator — Monthly Salary (Rp) ₹75,00,000
With monthly salary (rp) of ₹75,00,000, the employee share (1%) is IDR1,50,000.
BPJS Kesehatan premium is 5% of salary. Employee pays 1%, employer pays 4%. Capped at Rp12,000,000/month.
Self-employed pay per person. Employees cover spouse and up to 3 children automatically.
Total Monthly Premium
IDR1,50,000
Employee Share (1%)
IDR1,50,000
Employer Share (4%)
IDR0
BPJS Kesehatan premiums for formal employees: 5% of salary (1% employee, 4% employer), capped at Rp12M/month salary. Self-employed pay flat rates per person. Class 3 receives government subsidy of Rp7,000/person.
What is the Indonesia BPJS Health Insurance Calculator?
BPJS Kesehatan is Indonesia's national health insurance program, mandatory for all Indonesian residents. Formal sector employees pay 1% with employers paying 4% of salary. Salary is capped at Rp12,000,000/month for BPJS purposes. Self-employed and informal workers can enroll individually in 3 service classes at flat rates per person.
Formula
Employee contribution = min(Salary, Rp12M) × 1%. Employer = min(Salary, Rp12M) × 4%.- P_employee
- = Employee monthly BPJS premium
- S
- = Monthly salary
How to use the Indonesia BPJS Health Insurance Calculator
- 1
Step 1
Select employee or self-employed.
- 2
Step 2
Enter monthly salary (for employees) or select coverage class (self-employed).
- 3
Step 3
View employee and employer premium shares.
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Frequently asked questions
What does BPJS Kesehatan cover?
BPJS Kesehatan covers outpatient care at puskesmas (community health centres) and referral hospitals, inpatient care, specialist consultations, surgery, medications on the national formulary, maternity, and dental. A referral system applies — patients must start at puskesmas level.
Is BPJS Kesehatan mandatory for all workers in Indonesia?
Yes. All Indonesian workers — including foreign workers with work permits of 6+ months — must be enrolled in BPJS Kesehatan. Employers who fail to enrol employees face administrative sanctions.
What is the BPJS salary cap?
BPJS Kesehatan premiums are calculated on salary up to Rp12,000,000/month maximum. Higher earners pay the same maximum premium as those earning Rp12M.
Sources
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