Is this really true

[kroshka]

Can it really be true?

I tried in another forum to ask the question, without much feed back, so I try here. Anybody heard real examples of this is actually happening?

If a BPJS covered employee dies due to a work accident, BPJS will pay his family 60% of 80 months salary as a lump sum, plus IDR 200,000 per month for 24 months, and IDR 3 mio as funeral support. Meaning in total IDR 487,8 mio if monthly salary was IDR 10 mio.

I think the above is great, and better than many insurances. I also think they have really good offering on the paper when it comes to permanent disablement coverage.

 

[dafluff]

@kroshka I meant to comment on this earlier, but somehow slipped my mind. Apologies for the delay.

The death benefit is part of BPJS Ketenagakerjaan, a worker's disability/pension plan administrator. It's not the same as BPJS Kesehatan which is the national health insurance provider. Somewhere along the way the word BPJS has been assumed to mean BPJS Kesehatan, even though there are two separate BPJS programs. Probably because BPJS Kesehatan has had so much more exposure lately.

As it is a separate program, there are separate premiums to be paid. For regular employees, the premium ranges from 0.24% to 1.74% of salary, depending on work risk. The premium is paid by the employer.

In addition to the death benefit mentioned above, it also provides various levels of short term and permanent disability benefits, transportation costs related to the accident, scholarship for any children of survivors for a total of Rp 12 million.

More here (Bahasa Indonesia): http://www.bpjsketenagakerjaan.go.id/page/program/Program-Jaminan-Kecelakaan-Kerja-(JKK).html

 

[dafluff]

Also, side note: Tenaga Kerja Asing (foreign workers), are eligible for this program, and employers are required to enroll them in it.