BPJS Ketenagakerjaan

What BPJS Ketenagakerjaan does

BPJS Ketenagakerjaan is an Indonesian state-owned social security administering body (Badan Penyelenggara Jaminan Sosial) established under Law No. 24 of 2011 and operating since July 1, 2015 as the successor to PT Jamsostek (PERUM). It is the sole mandated administrator of five integrated worker social security programs: JKK (work accident insurance), JKM (death benefits), JHT (old-age savings), JP (pension), and JKP (unemployment insurance). The institution serves four participant segments — Penerima Upah (formal employees, primary), Bukan Penerima Upah (informal/self-employed including gig workers), Jasa Konstruksi (construction workers), and Pekerja Migran Indonesia (migrant workers) — with employer enrollment tied to business licensing via the OSS system.

The technology platform is anchored on the JMO (Jamsostek Mobile) application for participant self-service, complemented by LAPAK ASIK (contactless claims), POM (self-registration), SIPP Online (employer reporting), EPS (virtual account payment), Perisai (agent-based BPU enrollment), and e-PLKK (healthcare facility eligibility verification). Distribution spans over 30 bank partners (Himbara, major private, and 20+ regional BPD banks), gig-economy platforms (Gojek, Grab, Shopee), e-commerce (Tokopedia, Shopee), e-wallets (OVO, Dana, ShopeePay, LinkAja), and retail agents (Indomaret, Alfamart, Pegadaian, Pos Indonesia), supplemented by a nationwide physical branch network.

The revenue model is mandatory contribution-based (iuran) set by Government Regulation: formal employees' employers pay the majority across JHT (3.7%), JP (2%), JKK, and JKM, with employees contributing 2% JHT and 1% JP, plus a government-subsidized 0.22% component for JKP. BPU participants pay flat or income-based rates for mandatory JKK/JKM and voluntary JHT, with PP 50/2025 introducing 50% contribution relaxation for 2026. Reported 2025 fund development returns were 5.51% (Conventional JHT), 6.64% (Sharia JHT), and 6.47% (Pension), exceeding the 2.63% government bank deposit benchmark.

Name

BPJS Ketenagakerjaan

Legal name

BPJS Ketenagakerjaan

Website

https://bpjsketenagakerjaan.go.id

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

BPJS Ketenagakerjaan is the Indonesian state-mandated social security agency administering five worker programs — JKK, JKM, JHT, JP, and JKP — for formal employees, informal workers, construction workers, and migrant workers across Indonesia under Law No. 24/2011.

Ownership category

akta.pro rank

Headquarters

HQ city

Setiabudi

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Mandatory Insurance Premium Contributions (Iuran): BPJS Ketenagakerjaan generates revenue through mandatory insurance premium contributions (iuran) paid by employers, employees, and informal workers. Contribution rates are set by regulation and vary by program and risk level. For formal employees (Penerima Upah), employers contribute the majority of premiums (e.g., 3.7% for JHT, 2% for JP) while employees contribute a smaller portion (2% for JHT, 1% for JP). For informal workers (BPU), contributions are flat or income-based rates paid individually. The total contribution burden across all five programs (JKK, JKM, JHT, JP, JKP) constitutes the primary revenue stream.

Pricing tiers

Go-to-market motion2 records

Distribution channels9 records

Marketing channels8 records

Core offering

BPJS Ketenagakerjaan is the Indonesian state-mandated social security administering body that collects mandatory premium contributions (iuran) from employers and workers and pays out benefits across five integrated programs: JKK (work accident), JKM (death), JHT (old-age savings), JP (pension), and JKP (job loss). It serves formal employees, informal workers, construction workers, and Indonesian migrant workers through the JMO mobile app, LAPAK ASIK claims portal, POM self-registration, SIPP Online employer reporting, and a nationwide branch and partner-agent network for premium collection and benefit delivery.

Product overview

BPJS Ketenagakerjaan operates a multi-program social security platform for Indonesian workers across five core programs: JHT (Old-Age Savings), JKK (Work Accident Insurance), JKM (Death Benefits), JP (Pension), and JKP (Unemployment Insurance). The platform serves four participant segments: employees (Penerima Upah/PU), informal workers (Bukan Penerima Upah/BPU), construction workers (Jasa Konstruksi/Jakon), and migrant workers (Pekerja Migran Indonesia/PMI). Digital service delivery includes JMO mobile app for participant self-service, LAPAK ASIK for online claims, POM for registration, EPS for payment code generation, SIPP Online for company reporting, and Perisai for BPU digital enrollment. Payment collection spans 50+ bank partnerships, e-wallets (OVO, Dana, ShopeePay, Gopay), e-commerce platforms (Tokopedia, Shopee, Grab, Gojek), and retail networks (Indomaret, Alfamart, Pegadaian, Kantor Pos).

Differentiator

Problem solved

Functional benefit

Products and services

• Jaminan Hari Tua (JHT) - Old-Age Savings Program Individual savings-based social security program providing lump-sum cash benefits upon retirement, death, or permanent disability. Contributions accumulate in individual participant accounts with annual returns of 5.51% (Conventional) and 6.64% (Sharia) for 2025, exceeding the government bank deposit average of 2.63%. Targeted at Indonesian formal employees, informal workers (voluntary), and migrant workers (voluntary).
• Jaminan Kecelakaan Kerja (JKK) - Work Accident Insurance Insurance program covering medical expenses, transportation, prosthetics, rehabilitation, and cash benefits for work-related injuries and occupational diseases. Includes Return to Work (RTW) rehabilitation. Premiums vary by five occupational risk tiers (0.24%–1.74% of monthly wage, fully employer-paid for formal employees; 1% of declared income for BPU). Provides coordinated coverage via the e-PLKK electronic healthcare facility verification system.
• Jaminan Kematian (JKM) - Death Benefit Program Death benefit program providing survivor benefits including lump-sum payments, funeral assistance, and education scholarships for dependent children. Premium is 0.30% of monthly wage (employer-paid for formal employees) or Rp 6,800 per month flat for BPU. Available to all Indonesian workers across formal, informal, construction, and migrant segments.
• Jaminan Pensiun (JP) - Pension Program Pooling-risk pension program providing monthly benefits to retirees or lump-sum/death benefits to survivors. Features progressive retirement age starting at 56, increasing to 65. Contribution is 3% of reported wage (2% employer + 1% employee, with maximum wage ceiling of Rp 9,559,600/month as of March 2023). Generated 6.47% pension returns in 2025.
• Jaminan Kehilangan Pekerjaan (JKP) - Unemployment Insurance Unemployment insurance providing cash benefits and re-employment assistance for workers experiencing job loss. Funded by government subsidy of 0.22% and JKK reallocation of 0.14% (no additional cost to employer). Eligibility is tied to company size, with large and medium enterprises eligible for all 5 programs including JKP.
• JMO (Jamsostek Mobile) Mobile application for participants to check JHT balance, submit claims, register, pay contributions, and access digital ID cards. Available on iOS and Android. Supports BPU self-registration with OTP verification and automatic data population from scanned KTP. Includes digital participant card covering all five programs under a single identity number.
• LAPAK ASIK (Layanan Tanpa Kontak Fisik) Online platform for submitting JHT claims without physical contact. Allows workers to file claims remotely via web portal and book service appointments digitally without visiting a branch office. Supports 5-day JHT claim processing turnaround.
• POM (Pendaftaran Online Mandiri) Self-service online registration portal for new PU (Penerima Upah formal employees), BPU (informal workers), and PMI (Indonesian migrant workers) participants to enroll in social security programs without visiting a branch office.
• EPS (Electronic Virtual Account System) Electronic system for companies to generate virtual account payment codes for contribution payments across PU, BPU, and PMI segments. Accessible at eps.bpjsketenagakerjaan.go.id.
• SIPP Online (Sistem Informasi Pelaporan Perusahaan) Online company reporting system for monthly worker data mutations, contribution payments, and JKK incident reporting. Serves as the primary B2B self-service portal for registered employers.
• Perisai (Penggerak Jaminan Sosial Indonesia) Digital platform enabling field agents to register BPU participants with automatic data capture via KTP scanning, OTP verification, and selfie-based identity confirmation. Extends enrollment reach into underserved areas through trained agent networks.
• Simulasi Saldo / Kalkulator Perencanaan Keuangan Online financial planning calculators accessible via the website and JMO app, including the Simulasi Saldo JHT estimator (based on monthly salary, employment duration, and 3.7% employer + 2% worker contributions at 5% annual development), Simulasi JP pension benefit estimator (using birth date, monthly wage, and wage growth percentage), and the Kalkulator Perencanaan Keuangan retirement planning tool.

Quantifiable outcome

• 5-day claim processing for JHT
• +1 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration28 records

Feature4 records

Partnerships

17 partnerships are on record, tiered core, minor and major.

• PT Jasa RaharjacoreStrategic or Co-development PartnerBPJS Ketenagakerjaan has an established cooperation with PT Jasa Raharja (Indonesia's state-owned accident insurance body) for coordination of benefits in traffic accident cases. Under this arrangement, Jasa Raharja serves as the primary guarantor for traffic accident cases classified as work accidents, ensuring that participants receive optimal benefits. BPJS Ketenagakerjaan processes claims where Jasa Raharja coverage is insufficient or ineligible.
• GojekcoreChannel Partner/ Reseller/ DistributorGojek drivers (Mitra Pengemudi) can register as BPU participants through a dedicated BPJS Ketenagakerjaan registration link. Premium payments are automatically deducted from the driver's GoPay balance each month, enabling seamless, frictionless enrollment for gig workers in the ride-hailing sector.
• Grab IndonesiacoreChannel Partner/ Reseller/ DistributorGrab drivers (Mitra Pengemudi) can register as participants through the GrabBenefits feature, using OVO balance for premium payment. The integration allows drivers to seamlessly enroll and maintain coverage through the Grab app ecosystem, with automatic monthly deductions.
• Indomaret (via i.saku Application)minorChannel Partner/ Reseller/ DistributorIndomaret's i.saku application provides BPU enrollment services, allowing individuals to register as participants and pay premiums through the Indomaret retail network. This extends BPJS Ketenagakerjaan's reach into rural and semi-urban areas through the extensive Indomaret store footprint.
• TokopediaminorChannel Partner/ Reseller/ DistributorTokopedia serves as both an enrollment and premium payment channel for BPU participants. It supports auto-debit functionality for recurring premium payments and provides premium payment services for PU employer contributions.
• Bank Himbara (Bank Mandiri, BRI, BNI, BTN, BSI)coreChannel Partner/ Reseller/ DistributorThe four state-owned banks (Himpunan Bank Negara - Himbara) are primary premium collection partners. They provide Virtual Account systems, ATM, teller, mobile banking, and internet banking channels for employer premium payments and BPU participant contributions. Bank Mandiri additionally supports auto-debit for BPU premiums via Livin' by Mandiri.
• Bank BCA, CIMB Niaga, Danamon, Muamalat, MaybankmajorChannel Partner/ Reseller/ DistributorMajor private banks serve as premium payment channels for both employer (PU) and individual (BPU) participants. BCA supports Virtual Account and KlikBCA/m-BCA payment for BPU premiums. CIMB Niaga offers BizChannel CIMB for corporate employer payments. Danamon provides Danamon Cash Connect for corporate bulk payments. Muamalat provides CMS-based payment for Islamic-compliant premium management.
• Bank BPD (Regional Development Banks)majorChannel Partner/ Reseller/ DistributorOver 20 regional development banks across Indonesia (including BJB, Bank Jawa Timur, Bank Jawa Tengah, Bank BPD DIY, Bank Aceh Syariah, Bank Sumatera Utara, Bank Nagari, Bank RiauKepri, Bank Jambi, Bank Bengkulu, Bank Lampung, Bank Kalimantan Timur & Utara, Bank Kalteng, Bank Kalsera, Bank Kalbar, Bank BPD Bali, Bank Sulawesi Utara & Gorontalo, Bank Sulawesi Selatan & Barat, Bank Sulawesi Tengah, Bank Sulawesi Tenggara, Bank Maluku & Maluku Utara, Bank NTT, Bank NTB Syariah, Bank Papua) serve as premium collection partners, extending coverage to employers and BPU participants in each province.
• PT Pupuk Indonesia (as employer)minorChannel Partner/ Reseller/ DistributorMentioned in context of worker registration: companies like Pupuk Indonesia register their workforce in all 5 programs as large/medium enterprises, serving as a reference employer case.
• Komisi Pemberantasan Korupsi (KPK) / Anti-Corruption CommissioncoreStrategic or Co-development PartnerBPJS Ketenagakerjaan collaborates with the KPK (Indonesia's Anti-Corruption Commission) to strengthen governance, internal controls, and public trust. This partnership focuses on anti-corruption frameworks, good governance practices, and transparency in financial management.
• Universitas TadulakominorStrategic or Co-development PartnerBPJS Ketenagakerjaan partnered with Universitas Tadulako (Central Sulawesi) to strengthen tridharma engagement — education, research, and community service — for social security literacy. The collaboration aims to increase awareness and understanding of social security programs among university students and the broader community.
• Pemprov Sumatera Barat (West Sumatra Provincial Government)minorStrategic or Co-development PartnerBPJS Ketenagakerjaan and the West Sumatra provincial government signed a cooperation agreement to jointly protect vulnerable workers in the region. The synergy aims to expand coverage for informal and vulnerable worker segments in West Sumatra.
• Bank BPD DIY (DI Yogyakarta)minorChannel Partner/ Reseller/ DistributorBPJS Ketenagakerjaan's Director Utama Saiful Hidayat collaborated with BPD DIY to strengthen social security coverage in the Yogyakarta province. BPD DIY serves as a premium collection partner and supports enrollment outreach for regional workers.
• Perisai (Penggerak Jaminan Sosial Indonesia)majorChannel Partner/ Reseller/ DistributorPerisai is an agent-based platform enabling field agents to register BPU participants. The platform provides digital tools for agents to capture KTP data, process registration, and manage participant portfolios, extending BPJS Ketenagakerjaan's reach into underserved areas through a trained agent network.
• POS Indonesia (Indonesian Postal Service)minorChannel Partner/ Reseller/ DistributorPOS Indonesia and its Pospay application serve as BPU premium payment channels. Kantor Pos (post offices) also function as physical payment points for BPU participants who prefer in-person transactions.
• PT Pegadaian (State Pawnshop)minorChannel Partner/ Reseller/ DistributorPT Pegadaian (Indonesian state pawnshop) serves as a BPU premium payment channel, leveraging its nationwide branch network to provide accessible premium payment locations for informal workers and BPU participants.
• LinkAjaminorChannel Partner/ Reseller/ DistributorLinkAja e-wallet application provides BPU premium payment functionality, enabling users to pay their social security contributions directly from their LinkAja balance through the app's financial services menu.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• PT Asabri (Persero): Indonesian state-owned social insurance agency for military and police personnel, providing pension, savings, and accident coverage. Directly comparable in structure—mandatory contributions from a defined employee cohort, statutory monopoly, and integrated multi-program benefits—though serving uniformed personnel.
• PT Taspen (Persero): Indonesian state-owned civil servant pension fund administering Tabungan dan Asuransi Pegawai Negeri (TASPEN). Directly comparable as a government-mandated defined-benefit pension administrator with mandatory employee contributions and statutory protection, though focused on ASN civil servants rather than private workers.
• BPJS Kesehatan: Indonesian state-mandated health social security agency under Law No. 24/2011. Sibling state-owned entity administering the national health insurance (JKN) program with the same statutory monopoly structure, employer/employee contribution model, and nationwide service network as BPJS Ketenagakerjaan.

Regional players

• National Pension System (NPS) India: Indian government-sponsored defined-contribution pension scheme regulated by PFRDA, covering private-sector and informal workers. Comparable in offering individual retirement accounts with employer/employee contributions, though voluntary rather than fully mandatory, and without the JKK-equivalent accident insurance bundle.
• Social Security Office (SSO) Thailand: Thai state agency administering Section 33 (private employee), Section 40 (informal), and voluntary social security, providing similar workplace accident, death, old-age, and unemployment benefits. Closest Southeast Asian peer with the same five-program structure and mandatory employer contribution model.
• Central Provident Fund (CPF) Singapore: Singapore's mandatory social security savings scheme covering retirement, housing, healthcare, and family protection. Comparable as a national provident fund with employer/employee contributions and statutory monopoly, though CPF's broader scope (housing, education) exceeds BPJS Ketenagakerjaan's mandate.
• Korea National Pension Service (NPS): South Korea's national pension operator managing mandatory retirement contributions for private-sector workers. Comparable as a large-scale statutory pension administrator with investment management capabilities, though NPS focuses on retirement rather than the broader five-program bundle of BPJS Ketenagakerjaan.
• Employees Provident Fund (EPF) Malaysia: Malaysian national provident fund providing retirement savings through mandatory employer/employee contributions. Closest regional analog to BPJS Ketenagakerjaan's JHT/JP programs, with similar AUM scale, defined-contribution structure, and statutory monopoly for private-sector workers in Malaysia.

Broad incumbents

• AIA Financial Indonesia: Major private life and health insurer in Indonesia offering pension, accident, and retirement products. Comparable as a broad incumbent in the same protection and savings categories as JHT, JKK, and JP, but operates on voluntary commercial terms rather than statutory mandate.
• Prudential Indonesia (PT Prudential Life Assurance): One of Indonesia's largest private life insurers offering retirement, health, accident, and death-benefit products. Competes in adjacent space to JHT/JKK/JKM but as voluntary private insurance; complements rather than replaces BPJS Ketenagakerjaan for top-up coverage and unit-linked products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCHASvdXGRudoRWKFu5JJDug
• Xx.com/bpjstkinfo
• Facebookfacebook.com/BPJSTKinfo
• LinkedInlinkedin.com/company/bp-jamsostek

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BPJS Ketenagakerjaan