All Indonesian residents are required to obtain two types of insurance through BPJS (Social Security Organization): Healthcare BPJS and Social Security BPJS. Healthcare BPJS provides basic healthcare services while Social Security BPJS offers protections for old age, work accidents, death, and pensions. Companies must register their employees for Social Security BPJS and contribute funds along with employee contributions. Other common types of independent insurance in Indonesia include life, health, vehicle, property, education, and travel insurance which individuals or companies can optionally obtain.

1. Insurance and Social Security (BPJS) Type in
Indonesia
Jakarta, August 2017

2. 2
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email to: info@cekindo.com, phone: 021-80660999
All Indonesian residents, including expats who have been living in the
country for 6 months or more, have the obligation to obtain
BPJS Kesehatan (Healthcare BPJS). This BPJS type in Indonesia is
independently possessed by individuals.
However, if you are a part of a company (local or foreign company) you will
also get the so called BPJS Ketenagakerjaan (Social Security Card), which is
provided by the company to protect all of its employees.
Apart from BPJS (health BPJS and Social Security), there are also other types
of independent insurance that you can have.

3. 3
• Healthcare BPJS (BPJS Kesehatan)
• Social Security BPJS (BPJS Ketenagakerjaan)
• Both Healthcare and Social Security BPJS are mandatory. Anyone living in
Indonesia and is in employment with company based in Indonesia must
have these two kinds of BPJS. They serve the insurance holders in different
ways.
TYPE of BPJS
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email to: info@cekindo.com, phone: 021-80660999

4. #1. HEALTHCARE BPJS
4
For further info, visit: www.cekindo.com.
email to: info@cekindo.com, phone: 021-80660999
Healthcare BPJS type gives the holders some healthcare protections,
including:
• Basic Healthcare Provider
Under this services, you can choose a doctor or clinic in case you
need a basic healthcare services.
• Advanced Healthcare Service
In case your clinic cannot give you further medical treatment,
they will sign a reference letter for you to get special treatments
with specialist doctors or bigger hospitals.
• Hospitalization Service
If further action needs to be done, which require you to be
hospitalized, you can use this service.

5. 5
There are 3 classes of Healthcare BPJS, based on the services and cost of the
healthcare you need.
• If you choose Class 1 Healthcare BPJS, you need to pay more but you will
also receive more services and reimbursement for hospitalization service
than if Class 2 or 3.
• If you choose VIP class services, you must pay extra money for the
hospitalization services.
NOTE. BPJS cannot cover some advanced medical treatments—for example
heart surgery and some advanced dental procedures. If you wish to have
more services, you could join another independent healthcare insurance at
your own expense.
For further info, visit: www.cekindo.com.
email to: info@cekindo.com, phone: 021-80660999

6. #2. SOCIAL SECURITY BPJS
6
• This BPJS type is a mandatory for any company.
• The company must register all of their employees to this kind of BPJS and
provide you the service of obtaining Social Security Card.
• Based on regulation, both parties (company and card holder) should pay
for the BPJS according to the type of protections and amount of monthly
salary you get.
• If you are an independent member, you should pay the monthly fee all by
yourself.
For further info, visit: www.cekindo.com.
email to: info@cekindo.com, phone: 021-80660999

7. What protection will you get?
7
• JHT (Jaminan Hari Tua/Old Age Protection)
This kind of protection will give you benefit once you have left the company.
Usually, you will get the maximum benefit if you have worked for 10 years or
more in the same company.
• JKK (Jaminan Kecelakaan Kerja/Working Accident Protection)
If you experience any kinds of accident during your working hours or related
to the tasks you perform while you are working in the company, you will
receive compensation for any wounds or medical treatments performed.
• JK (Jaminan Kematian/Death Protection)
As the name suggests, you will get benefit if you, during your service in the
company, die.
• JP (Jaminan Pensiun/Pension Protection)
If you reach the pension age, you will receive some amount of compensation
from this kind of protection.
For further info, visit: www.cekindo.com.
email to: info@cekindo.com, phone: 021-80660999

8. OTHER TYPES OF INSURANCE IN
INDONESIA
8
• Life insurance
• Health insurance
• Vehicle insurance
• Housing and property insurance
• Educational insurance
• Travel insurance

9. # LIFE INSURANCE
• Amount of money given to
beneficiaries upon the death of
insurance holder.
• However, some insurance
companies enables you to claim
your insurance before you die.
But, the amount of money
received is usually not as much
as when the beneficiaries claim
it after insurance holder death.
9

10. # HEALTH INSURANCE
• Independent insurance.
• Will give extra protection if you ill or
undergo certain medical procedures.
• Make sure what procedures the
insurance can cover and how much the
reimbursement for any hospitalization.
• If you have already had Healthcare
BPJS, you could also register for an
healthcare insurance.
10

11. # VEHICLE INSURANCE
• Protect vehicle in case of a road accident,
incident due to riot, incident due to disaster,
stolen vehicle, etc.
• You need to know exactly what kind of
incidents or accidents covered before you
choose a certain insurance agents.
11

12. # HOUSING & PROPERTY
INSURANCE
• If you own a property—for both individual and
company property and building—you can
register them for housing & property insurance
• Protect your property from any damage that
may occur in the future
• You need to read all the clausal in the
agreement to make sure under what
circumstances the damage of your house or
property is covered.
12

13. #EDUCATIONAL INSURANCE
• If you have any members of the family,
who are still in the school ages, this type
of insurance is highly recommended. This
will give them protection to continue
their higher education.
13

14. #TRAVEL INSURANCE
• This type of insurance is a short term insurance
• Will protect the insurance holder while travelling—from the moment
he/she departs until the returns.
14

15. Tips to Choose the Right Insurance
• Choose the right insurance company or agent.
Do some research over several kinds of insurance agents or companies.
Compare them so to know the negative and positive sides of the
services. Don’t forget to read the customers’ reviews about their
services.
• Choose what you really need.
Remember that Healthcare BPJS and Social Security BPJS are compulsory.
For another insurance you can choose on what you need.
• Make sure that the insurance product has AAJI license
AAJI is a license for registered and legal insurance company or agent. If
the insurance company cannot show its AAJI license, it is certain that the
insurance products issued are illegal.
• Match your needs with your financial capabilities.
15

16. • Consider the country boundaries.
For healthcare insurance, there are some products which allow you to
get benefits if you undergo overseas medical procedures. However, this
insurance requires you to pay a lot higher amount of money. Think twice
whether you really need it or not.
• Consider the insurance product that gives the easiest claim
Some healthcare insurance allow you to get the benefit in the cashless
system (they will directly pay the hospital bills), whereas others provide
the reimbursement (you will have to pay first).
• Consider to use the neutral third party services
Use the neutral third party’s help if you confuse with all of the regulation
in the insurance company. Make sure that the third party you trust is a
reliable and reputable one. Do research to find one.
16

17. References:
• https://swara.tunaiku.com/perbedaan-bpjs-kesehatan-dan-bpjs-ketenagakerjaan-yang-wajib-kamu-tahu/
• https://www.cermati.com/artikel/jenis-jenis-asuransi-di-indonesia-apa-saja
• https://www.futuready.com/artikel/asuransi/mengenal-jaminan-sosial-di-indonesia/
• https://www.finansialku.com/10-cara-memilih-asuransi-kesehatan-yang-tepat-untuk-anda-dan-keluarga/
• https://www.cermati.com/artikel/cara-memilih-produk-asuransi-yang-tepat-untuk-anda-dan-keluarga
17

18. 18
Our Vision
To be leading consulting firm of business services
to clients expanding and operating in Indonesia.
Our Mission
To provide full-range of market-entry and
corporate services to enable our clients to focus
on their core business and activities in Indonesia
and beyond.
PT. Cekindo Bisnis Grup is a
leading consulting firm of
Market-Entry and Corporate
secretarial services to clients
expanding and operating in
Indonesia and further to
Southeast Asia.
Our Values
Client-focused
Excellence performance
Knowledgable locally
Integrity moral
Normative operations standards
Delivered on-time
One stop services provider
Company Profile

19. 19
Our main services:
Business Set
Up
Business
Process
Outsourcing
Local
Representation
 Company
Registration
 License & Product
Registration
 Market Research
& Analysis
 Local Partner
Selection
 Trade Mission
 Land & Property
Ownership
 Recruitment & HR
Establishment
 Payroll
Management
 Accounting & Tax
Reporting
 Visa & Work
Permit
 Mystery Shopping
 Local Distributor
& Partner
 Buying Agent
 Office Space
Cekindo Services

20. 20
Senior Advisor
Prof. Dr. Rahardi Ramelan
Relevant Experience
Mr. Ramelan is currently Senior Advisor at PT Cekindo Bisnis Grup. Hi is a Research Professor at the Agency for the
Assessment and Application of Technology. The honorary degree of Doctor Honoris Causa from Monash
University, Australia and Northeastern University Boston.
 Minister of State for Research and Technology of the Republic of
Indonesia and Chairman of the Agency for Assessment and Application of
Technology (BPPT) in the Seventh Development Cabinet of the Republic
of Indonesia.
 Minister of Industry and Trade in the Development Reforms Cabinet of
the Republic of Indonesia and Chairman of National Logistic Agency.
 Deputy Chairman for Industrial Analysis and Vice Chairman of the
National Development Planning Agency of the Republic of Indonesia
 Several management positions and responsibilities related to Indonesian
Aviation industry, the Weapon industry.
Prof. Dr. Rahardi Ramelan
Profile Overview

21. 21
Principal Consultant
Michal Wasserbauer
Michal is currently Principal Consultant at PT Cekindo Bisnis Grup. He has more than 5 year‘s experience in the
Corporate Market research, Strategy and Evaluation Expansions, Business Consultancy, and Preparation of
Business Feasibility Studies. He has worked for various industries, namely Grocery and Marchandise Retail,
Energy, Medical Device, Heavy and Automation Industries.
+6281282300584 |  michal.wasserbauer@cekindo.com
Michal Wasserbauer
 Market opportunities valuation
 Investment analysis
 Performance management
 Feasibility studies
 Strategy planning
 Stakeholder management
 Marketing consultancy
Profile Overview
Relevant Experience
Relevant Skills
 Multinational grocery and general merchandise retailer: Capital
Investment Appraisals
 World‘s largest student and recent graduates-run organisation:
Financial Controller
 International consultation company: Market Expansion Consultant

22. 22
Principal Consultant
Nurmia Agustina
Nurmia is currently Principal Consultant at PT Cekindo Bisnis Grup. She has wide experience in the areas of Business
Development, Legal Corporate Restrictions, Business Consulting, Project Management, Market Development &
Entry Strategy, Sales & Distribution, Management Strategy, Recruitment, Visa & Work Permit, and Change
Management. She has worked for various industries, namely Energy & Resources, Telecommunication, Retail,
Pharmaceutical & Medical, Financing, Non-Profit, IT and Heavy Industries.
+628119691987 | nurmia.agustina@cekindo.com
 International Management company: Management & Legal
consultant
 Chamber of Commercial: Head of Business Processing Section
Nurmia Dwi Agustina
 Corporate law
 Outsourcing processes
 Company formation
 Acquisitions
 Project Management
 Competitive Analysis
 Business Planning
 Risk Management
 Talent Management Strategy
 Recruitment
 Visa & Work Permit
 Change Management
Relevant Experience
Relevant Skills
Profile Overview

23. 23
Selected Clients

24. PT. Cekindo Bisnis Grup
Grand Slipi Tower 9th floor
Jl. Letjend. S. Parman Kav 22-24
Jakarta - 11480
Indonesia
 info@cekindo.com
 +6221 80660900