BPJS Employment, or BPJS Ketenagakerjaan (social insurance in Indonesia), is arranged by the employer to protect their employees. One of the benefits of this insurance is protection against accidents - JKK (work accident insurance).
Workplace accidents can happen to anyone, not just those in high-risk industries. A simple example: even an office worker sitting at a desk can accidentally trip and hurt themselves, requiring medical attention.
JKK can provide financial protection against various accidents, such as:
- Workplace accidents
Any accidents that occur at the workplace will be covered. For example, a café worker who accidentally burns themselves with a hot drink or cuts themselves with a kitchen knife. Construction workers are prone to injuries from construction equipment.
- Accidents on the way
Nobody wants to get into an accident, but unfortunately, it can sometimes happen on the way to or from work, especially in the busy Indonesian traffic. In this case, the insurance will cover the financial risks associated with such an accident.
- Occupational diseases
Certain professions are prone to specific diseases due to working conditions. For example, a worker in a high pollution area is at risk of respiratory diseases. Those working with chemicals are at risk of illnesses from exposure.
What Social Guarantees Does BPJS Employment Provide During an Accident?
- Free medical care as per medical indications
- Home care if recommended by a doctor
- Temporary disability compensation (SSTMB)
- Compensation in case of disability due to an accident
- Rehabilitation with the provision of aids or prosthetics in case of limb loss
- Compensation in case of death due to an accident
In addition to these benefits, participants also get access to the return to work program if an accident results in disability. This program offers medical care, rehabilitation, and training to help participants adapt to new conditions and return to work.
Benefits for Employers
Arranging this insurance is an employer's duty and a mandatory requirement by Indonesian law. Social insurance not only helps create safe working conditions but also improves the company's image, showing care for its employees. Employers gain confidence that in case of an accident, all treatment and compensation costs will be covered by BPJS Employment, minimizing financial losses and ensuring business stability.
All these BPJS Employment benefits are available only if you are already registered and regularly pay contributions.
Our agency assists employers in arranging work accident insurance, ensuring a professional approach and time savings. We guarantee that all processes will be carried out correctly and in accordance with the law, allowing employers to focus on business development without being distracted by bureaucratic issues.
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