Indonesia BPJS Kesehatan 2027 Calculator
Indonesia BPJS Kesehatan 2027 mandatory health insurance: 5% combined (1% employee + 4% employer) of monthly salary, capped at Rp 12,000,000. Covers self + spouse + 3 children. Source: bpjs-kesehatan.go.id.
BPJS Kesehatan 2027 Rates and Cap
5% combined: employee 1% + employer 4%. Cap on salary base Rp 12,000,000 — above that, premium does not grow. Family coverage included: self + spouse + 3 biological/adopted/stepchildren. Additional dependents (parents-in-law, in-laws) require additional 1% per person of salary. Source: Perpres 64/2020.
BPJS Coverage Tiers — Class I, II, III
Three patient classes (room category, not premium): Class I (private room), Class II (3-bed room), Class III (multi-bed). Premium identical for all classes when employed — class determined by employee selection. Self-pay (PBPU): Class I Rp 150k/month, Class II Rp 100k, Class III Rp 35k (subsidized). Source: bpjs-kesehatan.go.id.
Coverage Network and Referral System
BPJS uses tiered referral: start at primary care (FKTP — puskesmas, klinik) for non-emergency. Specialist or hospital visit requires referral from FKTP, except emergency. 23,000+ FKTP and 2,400+ hospitals nationwide. Coverage: inpatient, outpatient, surgery, dental basic, maternity, hemodialysis, cancer, mental health, organ transplant. Source: bpjs-kesehatan.go.id.
BPJS vs Private Insurance — Combine
Many employers add private insurance (Allianz, Prudential, Mandiri Inhealth, etc.) on top of BPJS. Private covers gaps: private rooms, specialist access, dental advanced, optical, faster service, overseas coverage. BPJS pays first, private covers balance under coordination-of-benefits (CoB). Average private premium Rp 1-5M/year for individual.
Frequently Asked Questions
What is BPJS Kesehatan rate in 2027?
5% combined: 1% employee + 4% employer of monthly salary, capped at Rp 12M. Source: Perpres 64/2020.
Who is covered by BPJS Kesehatan as employee?
Employee + spouse + 3 biological/adopted/stepchildren. Additional dependents (parents, siblings) require additional 1% per person of salary.
What's the difference between classes?
Class I = private room, Class II = 3-bed, Class III = multi-bed (BPJS subsidized). Coverage identical, only room category differs.
Is BPJS premium deductible from PPh21?
Yes — employee 1% premium deducts from PPh21 tax base, reducing tax owed.
Can I use BPJS for emergency at any hospital?
Yes — emergency cases bypass referral requirement, treated at any BPJS-affiliated hospital. Cost covered subject to medical necessity review.