Every BPJS line on one screen — JHT, JP, JKK, JKM and BPJS Kesehatan — split between what you pay and what your employer pays, using the JP cap of Rp11,086,300 that applies from March 2026.
Indonesia's social security is run by two agencies. BPJS Ketenagakerjaan covers employment benefits — retirement savings, pension, work accidents, death and job loss. BPJS Kesehatan runs JKN, the national health insurance. Employers must register every employee in both.
| Programme | Employee | Employer | Wage cap |
|---|---|---|---|
| JHT — Jaminan Hari Tua (old-age savings) | 2% | 3.7% | None |
| JP — Jaminan Pensiun (pension) | 1% | 2% | Rp11,086,300 from 1 Mar 2026 |
| JKK — Jaminan Kecelakaan Kerja (work accident) | — | 0.24% – 1.74% | None |
| JKM — Jaminan Kematian (death) | — | 0.30% | None |
| JKP — Jaminan Kehilangan Pekerjaan (job loss) | — | Funded from JKK/JKM + government | — |
| BPJS Kesehatan (health) | 1% | 4% | Rp12,000,000; floor = local minimum wage |
The JP wage cap is indexed every year in line with GDP growth. It rose from Rp10,547,400 to Rp11,086,300 per month from 1 March 2026, so the maximum JP contribution is now Rp110,863 for the employee and Rp221,726 for the employer. JHT, JKK, JKM and BPJS Kesehatan rates are unchanged.
JKP, the unemployment benefit introduced in 2021, does not add to the bill. It is funded by the central government (0.22%) and by reallocating 0.14% of JKK and 0.10% of JKM inside the existing contributions.
JKK risk groups are assigned by BPJS Ketenagakerjaan based on the business sector. Check your company's assigned rate and current caps at bpjsketenagakerjaan.go.id and bpjs-kesehatan.go.id.