BPJS Kesehatan rules for employees
- Total contribution is 5% of wages: 4% paid by the employer, 1% deducted from salary.
- The wage basis is capped at Rp12,000,000; the floor is the local minimum wage (UMK).
- It covers the employee, spouse and up to 3 children.
- Each additional family member costs 1%, deducted from the employee's salary.
Frequently asked questions
What is the maximum BPJS Kesehatan contribution?
With wages capped at Rp12 million, the maximum is Rp600,000 a month: Rp480,000 employer and Rp120,000 employee.
What if my salary is below the minimum wage?
The local minimum wage (UMK) is used as the lowest wage basis.
Results are simulations to help planning and may differ from official calculations by agencies, employers or banks. Last updated 2026-11-02.