--- title: BPJS Kesehatan Enrollment for Foreign KITAS Holders in Indonesia country: indonesia service: "bpjs-kesehatan-enrollment" category: healthcare difficulty: moderate estimated_time: "1 hour to register, then a 14-day waiting period before first payment" cost_range: "IDR 35,000 - 150,000 per person per month" last_verified: 2026-05-06 canonical: https://publicservices.guide/indonesia/bpjs-kesehatan-enrollment/ status: current confidence: low tags: - healthcare - insurance - mandatory - foreigner - registration sources: - https://bpjs-kesehatan.go.id/ - https://bpjs-kesehatan.go.id/user-manual-mobile-jkn/administrasi%20JKN.html - https://bpjs-kesehatan.go.id/user-manual-mobile-jkn/mobilejkn/mendaftarkanpeserta.html - https://bpjs-kesehatan.go.id/user-manual-mobile-jkn/iuran%20kepesertaan.html - https://djsn.go.id/berita/press-release-djsn-terkait-perpres-nomor-59-tahun-2024-tentang-perubahan-ketiga-atas-perpres-nomor-82-tahun-2018-tentang-jaminan-kesehatan - https://bpjs-kesehatan.go.id/user-manual-mobile-jkn/mobilejkn/pendaftaranlogin.html - https://www.pajak.go.id/en/artikel/tax-return-reporting-foreign-citizens-indonesia --- # BPJS Kesehatan Enrollment for Foreign KITAS Holders in Indonesia **Country:** 🇮🇩 Indonesia **Last verified:** 2026-05-06 **Estimated time:** 1 hour to register, then a 14-day waiting period before first payment **Cost:** IDR 35,000 - 150,000 per person per month ## Required documents - **Limited Stay Permit Card or Permanent Stay Permit Card** *(KITAS atau KITAP)* - Where to get: Issued by Direktorat Jenderal Imigrasi as a separate process before this one - Required: Original card in hand, plus a clear scan or photo for Mobile JKN identity verification - Cost: Free at the BPJS step (KITAS itself is paid separately at Imigrasi) - _Note:_ Perpres No. 82 Tahun 2018 Pasal 6 ties JKN participation to working at least 6 months in Indonesia. KITAS issuance is the practical proof of that residency status. - **Passport** *(Paspor)* - Where to get: Country of citizenship - Required: Original (not expired); scan of bio-data page for Mobile JKN registration - Cost: Free at the BPJS step - **Family Card number (if enrolling dependents)** *(Nomor Kartu Keluarga (KK))* - Where to get: Dukcapil (Direktorat Jenderal Kependudukan dan Pencatatan Sipil) - Required: KK number entered into Mobile JKN at registration; physical card not uploaded - _Note:_ Mobile JKN's PBPU self-registration assumes a KK number. Foreign residents without a KK on hand may need to register through a BPJS Kesehatan Kantor Cabang branch office instead of the app. - **Active mobile phone number** - Where to get: Indonesian SIM, registered to your name - Required: Used for OTP verification during Mobile JKN registration - **Active email address** - Where to get: Self - Required: Used for participant agreement and Virtual Account delivery - **Indonesian bank account or passbook** *(Buku rekening)* - Where to get: One of: BNI, BRI, BTN, Mandiri, BCA - Required: Account number entered into Mobile JKN if enabling auto-debit - _Note:_ Auto-debit is the BPJS Kesehatan-supported recurring payment method. Manual payment via the issued Virtual Account at any of these banks is also accepted. ## Costs - **PBPU contribution — Class 1 (single inpatient room standard):** 150000 IDR — Per person per month. Family members are enrolled and paid separately under the same class. - **PBPU contribution — Class 2 (dual-occupancy inpatient room standard):** 100000 IDR — Per person per month. - **PBPU contribution — Class 3 (out-of-pocket after government subsidy):** 35000 IDR — Class 3 gross contribution is Rp 42,000 per person per month. The participant pays Rp 35,000 net out-of-pocket; Rp 7,000 is borne by the government as subsidy under Perpres No. 59 Tahun 2024. ## Steps ### 1. Confirm Eligibility and Choose a Path - Verify your KITAS has been issued for at least 6 months, or that you have worked in Indonesia for at least 6 months — this is the mandate trigger under Perpres No. 82 Tahun 2018 Pasal 6 - Choose your enrollment path: PPU (Pekerja Penerima Upah) if you are an employee of an Indonesian company — your employer registers you through SIPP and you provide only KITAS, passport, and personal data; PBPU (Pekerja Bukan Penerima Upah) if you are self-paying — you register yourself on Mobile JKN - PPU contribution is 5% of salary (4% paid by employer, 1% deducted from your pay); PBPU contribution is the flat Class 1, 2, or 3 monthly amount you choose at registration > **Tip:** Most foreign professionals on a work-tied KITAS are enrolled through PPU by their sponsoring company. Self-registration on PBPU applies if you are self-employed in Indonesia, on a non-work KITAS, or your employer has not yet registered you. ### 2. Gather Your Documents - Pull together your KITAS or KITAP card, passport (bio-data page), and your KK number if enrolling family members - Confirm an active Indonesian mobile phone number for OTP verification and an active email address for the participant agreement and Virtual Account delivery - If you plan to enable auto-debit, have a passbook or account number ready from BNI, BRI, BTN, Mandiri, or BCA > **If this fails:** Foreign residents without a KK number cannot complete the Mobile JKN PBPU self-registration form. The fallback is in-person registration at a BPJS Kesehatan Kantor Cabang. ### 3. Register on Mobile JKN (PBPU Path) *(Mobile JKN)* _Applies when: If you are self-paying (PBPU). PPU employees skip to step 6._ - Install the Mobile JKN application from the Google Play Store or Apple App Store - Tap Daftar, then Pendaftaran Peserta Baru — read the terms and conditions, then enter your KK number and the CAPTCHA - Complete the registration form with your personal details and KITAS information - Take the in-app selfie or photo with your KITAS for identity verification when prompted _Useful phrases:_ - "Saya mau daftar BPJS Kesehatan jalur PBPU." (sah-yah mow daf-tar bay-pay-jay-ess kay-say-ha-tan ja-loor pay-bay-pay-oo) — I would like to register for BPJS Kesehatan on the self-payer (PBPU) path. — use when Asking at a Kantor Cabang counter if the app path does not work for you ### 4. Select Your Inpatient Ward Class _Applies when: PBPU path only_ - Choose Class 1 (Rp 150,000 per person per month), Class 2 (Rp 100,000), or Class 3 (Rp 35,000 net out-of-pocket after government subsidy) - The class determines the inpatient room standard if you are hospitalized — Class 1 is single occupancy, Class 2 is dual occupancy, Class 3 is multi-occupancy - Mobile JKN automatically calculates the total monthly contribution across all enrolled family members at the chosen class > **Tip:** BPJS Kesehatan is in transition to a single-class KRIS standard under Perpres No. 59 Tahun 2024 (target effective 1 July 2025). The Class 1, 2, and 3 rates above reflect the current schedule under Perpres No. 59 Tahun 2024; verify with BPJS Kesehatan for any post-transition rate changes before relying on the figure. _Links:_ - [DJSN press release on Perpres No. 59 Tahun 2024](https://djsn.go.id/berita/press-release-djsn-terkait-perpres-nomor-59-tahun-2024-tentang-perubahan-ketiga-atas-perpres-nomor-82-tahun-2018-tentang-jaminan-kesehatan) ### 5. Verify Identity and Receive Your Virtual Account _Applies when: PBPU path only_ - Enter your active mobile phone number — Mobile JKN sends an OTP by SMS — and enter the OTP back in the app - Enter your active email address; review and approve the participant agreement - BPJS Kesehatan emails the Virtual Account (VA) number that you will use to pay your first contribution > **If this fails:** If the OTP does not arrive, check whether the Indonesian SIM is registered to the same name as on the KITAS. Mobile JKN rejects mismatched ownership in some flows. ### 6. Wait 14 Calendar Days, Then Pay the First Contribution _Applies when: PBPU path only_ - From the registration date, count 14 calendar days — this is the waiting period set by Perpres No. 82 Tahun 2018 Pasal 15. Coverage is not active during this window and the Virtual Account does not yet accept the payment - On day 15 or later, transfer the first month's contribution to the Virtual Account via mobile banking, ATM, retail outlet, or auto-debit through one of BNI, BRI, BTN, Mandiri, or BCA - Coverage activates immediately on successful payment > **Tip:** Coverage activates 14 calendar days after registration. Payments completed before 12:00 WIB on the activation day count for that day's coverage; payments completed after 12:00 WIB count for the next day. If you have a non-emergency medical appointment in mind, schedule the Virtual Account payment within the activation window so the card is live before the visit. ### 7. Provide KITAS and Personal Data to Employer HR (PPU Path) _Applies when: If you are an employee of an Indonesian company_ - Submit your KITAS or KITAP card, passport, and personal data to your Indonesian employer's HR team - The employer files your participant data through SIPP (Sistem Informasi Pelaporan Iuran) at sipp.bpjs-kesehatan.go.id and remits the monthly contribution - You receive your digital KIS (Kartu Indonesia Sehat) through Mobile JKN once the employer-side registration is processed > **Tip:** PPU activation timing is driven by the employer's monthly SIPP cycle. BPJS Kesehatan does not publish a fixed activation SLA for the employer-batched flow — confirm with your HR when the digital KIS becomes visible in Mobile JKN. ## FAQ ### Do I have to enroll in BPJS Kesehatan as a foreigner? Yes, if you have worked in Indonesia for at least 6 months. Perpres No. 82 Tahun 2018 Pasal 6 defines a Peserta Jaminan Kesehatan as 'every person, including foreigners who have worked at least 6 months in Indonesia, who has paid the contribution.' The 6-month working threshold is the statutory mandate trigger for foreign residents. ### Can I keep private health insurance instead? Private insurance does not exempt a foreign resident from the JKN participation requirement under Perpres No. 82 Tahun 2018. Many foreign professionals carry both — BPJS Kesehatan as the mandatory base coverage and a private policy as a top-up for hospital choice or international cover. ### What's the difference between Class 1, Class 2, and Class 3? The class determines the inpatient room standard if you are hospitalized and the monthly PBPU contribution: Rp 150,000 for Class 1, Rp 100,000 for Class 2, and Rp 35,000 net for Class 3 (Rp 42,000 gross less a Rp 7,000 government subsidy under Perpres No. 59 Tahun 2024). The class is selected at registration on Mobile JKN. ### When does my coverage become active? There is a 14 calendar-day waiting period from registration before the Virtual Account becomes payable, set by Perpres No. 82 Tahun 2018 Pasal 15. Coverage activates immediately once the first contribution payment is received after the waiting period. Payments completed before 12:00 WIB on the activation day count for that day; payments after 12:00 WIB count for the next day. ### What happens if I miss payments? Coverage suspends after the missed-payment window. On reactivation, BPJS Kesehatan collects up to 24 months of arrears under Perpres No. 82 Tahun 2018 — the 24-month figure is a cap on arrears recovery, not a waiver of the missed period. ## Sources - [BPJS Kesehatan (Badan Penyelenggara Jaminan Sosial Kesehatan)](https://bpjs-kesehatan.go.id/) — accessed 2026-05-06 — _T1_ — BPJS Kesehatan is the issuing authority for the Indonesian National Health Insurance program (Jaminan Kesehatan Nasional / JKN). The portal header carries the verbatim authority name and the JKN program branding. - [BPJS Kesehatan](https://bpjs-kesehatan.go.id/user-manual-mobile-jkn/administrasi%20JKN.html) — accessed 2026-05-06 — _T1_ — Mobile JKN PBPU self-registration requires a KK (Kartu Keluarga) number, an active mobile phone number for OTP verification, an active email address, and an account at one of BNI, BRI, BTN, Mandiri, or BCA for auto-debit. Inpatient ward class (Class 1, 2, or 3) is selected at registration; the system calculates the monthly contribution per family member from the chosen class. The Virtual Account number for the first payment is issued after registration. - [BPJS Kesehatan](https://bpjs-kesehatan.go.id/user-manual-mobile-jkn/mobilejkn/mendaftarkanpeserta.html) — accessed 2026-05-06 — _T1_ — Self-registration on Mobile JKN follows: tap Daftar, then Pendaftaran Peserta Baru, read terms and conditions, enter the KK number and CAPTCHA, complete the registration form, and take an in-app selfie or photo with KITAS for identity verification. - [BPJS Kesehatan](https://bpjs-kesehatan.go.id/user-manual-mobile-jkn/iuran%20kepesertaan.html) — accessed 2026-05-06 — _T1_ — BPJS Kesehatan iuran (contribution) administration is governed by Perpres No. 82 Tahun 2018 on Health Insurance. Late-payment arrears are recoverable up to a 24-month cap on reactivation. Employer-side participant filing for PPU (Pekerja Penerima Upah) wage earners is handled through SIPP (Sistem Informasi Pelaporan Iuran) at sipp.bpjs-kesehatan.go.id. - [Dewan Jaminan Sosial Nasional (DJSN — National Social Security Council)](https://djsn.go.id/berita/press-release-djsn-terkait-perpres-nomor-59-tahun-2024-tentang-perubahan-ketiga-atas-perpres-nomor-82-tahun-2018-tentang-jaminan-kesehatan) — accessed 2026-05-06 — _T1_ — Perpres No. 59 Tahun 2024 (third amendment to Perpres No. 82 Tahun 2018) carries forward the PBPU contribution schedule of Rp 150,000 per person per month for Class 1, Rp 100,000 per person per month for Class 2, and Rp 42,000 per person per month gross for Class 3 with a Rp 7,000 per person per month government subsidy, leaving Rp 35,000 as the participant's net out-of-pocket. Perpres No. 59 Tahun 2024 sets the transition to KRIS (Kelas Rawat Inap Standar — Standard Inpatient Class) with the consolidated post-KRIS rate schedule due to be set no later than 1 July 2025. - [BPJS Kesehatan](https://bpjs-kesehatan.go.id/user-manual-mobile-jkn/mobilejkn/pendaftaranlogin.html) — accessed 2026-05-06 — _T1_ — Mobile JKN account registration and login flow uses the participant's mobile phone number for OTP verification and a registered email address for the participant agreement. The participant approves the agreement before the registration is finalised. - [Direktorat Jenderal Pajak (cross-reference for the foreign-resident 6-month threshold context)](https://www.pajak.go.id/en/artikel/tax-return-reporting-foreign-citizens-indonesia) — accessed 2026-05-06 — _T1_ — Indonesian regulations recognize a foreign citizen as a domestic resident either by being present in Indonesia for more than 183 days within any 12-month period or by holding an intent-to-reside document such as KITAP, KITAS, or an employment contract running more than 183 days. The KITAS is the practical proof of the residency status that triggers the BPJS Kesehatan 6-month working threshold under Perpres No. 82 Tahun 2018 Pasal 6. --- Verification pending — see the canonical page for the latest trust state. Canonical: https://publicservices.guide/indonesia/bpjs-kesehatan-enrollment/