BPJS in Bali: What Employers Need to Know in 2026
Running a business in Bali comes with more than just finding the right location. Understanding your BPJS obligations is an important part of staying compliant as an employer.
If you’re an employer in Bali, or looking to become one, you might have heard the term BPJS, and be wondering what it is. BPJS is Indonesia’s social security system, designed to provide people with basic healthcare and financial coverage that all companies in Indonesia, including PT PMAs, need to register their employees for. Although this has always been the law, in the past, many companies simply paid their employees a salary without ever registering, meaning this rule often existed only on paper. However, in 2025, enforcement was stepped up as police investigated and summoned company directors who hadn’t registered their employees. If you have a business in Bali or are planning to open one up, then you need to know how BPJS works.
A quick answer if you're short on time: BPJS is split into two programmes known as BPJS Ketenagakerjaan (Employment) and BPJS Kesehatan (Health). After incorporation, companies in Indonesia must register with BPJS Ketenagakerjaan within 30 days, even if the only people who work there are the Director and Commissioner. Employers should make sure to ask local staff whether they already have BPJS Kesehatan, and then offer to cover it if their staff are not registered yet. As of early 2025, police have been sending out clarification summons to companies who haven’t followed this rule, so it’s worth taking seriously.
What Is BPJS?
BPJS provides social security protection for workers and their families. It covers areas ranging from workplace accidents and retirement savings to healthcare.
BPJS is short for Badan Penyelenggara Jaminan Sosial, which translates to Social Security Administering Body, and is the name given to the government agency that manages social security. There are two different programmes of BPJS which work together to cover issues related to employment and health. BPJS Ketenagakerjaan is tied to employment, covering workplace accidents, death benefits, old age savings and pensions. It is funded by contributions from both employers and employees. BPJS Kesehatan works more like personal medical insurance, covering everyday healthcare costs.
Your Responsibilities as an Employer
For PT PMAs, enrolling employees in all four of BPJS Ketenagakerjaan schemes is a legal requirement. The four schemes are Jaminan Kecelakaan Kerja (work accident), Jaminan Kematian (death), Jaminan Hari Tua (old age savings) and Jaminan Pensiun (pensions). These cover an employee if they're injured at work (or while commuting to and from it), provide a payout to their family if they pass away, and build up savings for retirement.
The registration should be done within 30 days from opening a PT PMA, but if you don't have any employees yet, you're still expected to register your Director and Commissioner, using a minimum reported salary of IDR 15,000,000 for foreigners. Contributions are split between employer and employee and calculated as a percentage of salary, adding up to somewhere between 9.24% and 10.74% total, depending on your company's assessed risk category.
BPJS Kesehatan: Health Coverage
When it comes to BPJS Kesehatan, there’s a little more leeway. Registration is mandatory for Indonesian citizens, while foreigners can only be covered by BPJS Kesehatan if they hold a valid Working KITAS. To note: as of 2026, foreign employees holding a Working KITAS must be registered through the company sponsoring their KITAS, rather than registering individually.
BPJS Kesehatan helps provide access to healthcare in Indonesia. For employers, understanding who needs to be registered is an important part of staying compliant.
Often, the health programme has been treated as a lower priority than BPJS Ketenagakerjaan, and a lot of PT PMAs only handle the employment side. Nevertheless, the obligation to offer BPJS Kesehatan to local staff still exists in law, so it's worth checking if your company has this covered.
Do You Really Need to Pay for BPJS?
The law requiring companies to pay into BPJS has been in place since 2016, but for years it went somewhat unenforced. As we mentioned, this is no longer the case. The outcome for many companies who weren’t abiding was a financial penalty rather than criminal prosecution, but it made it clear that BPJS is not something that can be ignored. As a foreign owned business, it’s important to protect your employees and reputation by keeping on top of your monthly contributions.
Need Help?
Managing BPJS registration and monthly payments doesn’t have to be complicated. Bali Solve can help PT PMAs set up their BPJS and stay on top of their ongoing obligations.
Getting BPJS set up correctly and then making sure you keep your payments going is one of those admin tasks that’s easy to forget until it becomes a problem. So, why not save yourself the headache by being proactive before it ever does? We are Bali Solve, a business consulting and visa agency in Pererenan, Canggu, and we help PT PMAs register for BPJS and handle monthly payments. If you’d like us to help you or are looking for advice on how to make sure you’re meeting your obligations, simply reach out via WhatsApp or drop by our office and we’ll get you on the right track.
Frequently Asked Questions
Q: Do I need to register with BPJS if my company doesn't have any employees yet?
A: Even without any employees, you need to register your Director and Commissioner for BPJS Ketenagakerjaan, using a minimum reported salary of IDR 15,000,000 for foreign nationals.
Q: Is BPJS Kesehatan compulsory for my foreign staff?
A: Yes. Foreigners holding a valid Working KITAS are required to be registered for BPJS Kesehatan under the company sponsoring their KITAS. The same requirement applies to BPJS Ketenagakerjaan.
Q: What happens if I get a police summons about BPJS?
A: The company director will be required to attend an interview with the police and explain the company’s operations, business activities, and staffing structure. You should comply with the summons and bring the requested company legality documents and BPJS records.
Q: Can I choose which BPJS Ketenagakerjaan schemes to enroll my Indonesian employees in?
A: No. If you operate a PT PMA, enrollment in all four BPJS Ketenagakerjaan schemes, namely JKK, JKM, JHT, and JP, is mandatory.
Written by Bali Solve Team
11th August 2026
