BPJS Refund

Discussion in 'Visas, Permits and Immigration' started by Gzpereira, May 23, 2018.

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  1. Gzpereira

    Gzpereira New Member

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    Hi all,

    I am leaving Indonesia soon after over 1 year here.

    From my payslips I get deducted amount for:
    • BPJS (JKK,JKM)
    • BPJS (JHT)
    Does anyone know which of these and can claim back from them when I close my account and get ready to leave?

    Thank you

    G
     
  2. snpark

    snpark Active Member Cager

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    Pretty sure you can't since it would be like asking for your insurance premiums back just because you didn't claim

    Besides that it is not a huge amount as you can see from your payslips? A few hundred thousand rupiah a month I believe

    What do you mean by "close your account"

    BPJS is health care - you pay every month a small amount to cover for the free / subsidised treatment should you need it - you can't ask for the money back just because you didn't get sick
     
  3. Gzpereira

    Gzpereira New Member

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    Actually, there are 4 types of BPJS contributions.
    3 of them are mandatory for expats residing in Indonesia for over 6 months.

    The 4 categories are as follows:
    JHT - Old Age Pension
    JP (not mandatory for expats)
    JKM
    JKK

    Only JKM and JKK are health and death insurance related.

    I know for a fact that 100% of the JHT amount contributed (2% by the employee and 3.7% by company) can be withdrawn when leaving the country.

    However, I was wondering about the other 2 JKM and JKK. By your logic, I am inclined to think that it cannot be taken.
     
  4. dafluff

    dafluff
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    You can't get anything back from the BPJS Kesehatan.

    I'm not sure about BPJS Ketenagakerjaan, but back when it was called Jamsostek, you could request the amounts accrued if your employer writes a letter stating that you are terminated with them.
     
  5. jstar

    jstar Mr. 10,000

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    It’s not only when leaving the country, and not only for expats.

    Still like that. When my wife quit her job, she just had to pay the BPJS office a visit for a refund. Took almost a day.
     
  6. kroshka

    kroshka Member

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    You can get your JHT back. I am trying to figure our the procedure at the moment. Some say you need to show EPO to get it, but I am not quite sure if that is true.
     
  7. William King

    William King Well-Known Member Charter Member Cager

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    You can get it back... but, the process its about 4-6 weeks long, and they need your passport, plus a bunch of other supporting documents for that period.

    For me, it wasn't worth it.
     
  8. kroshka

    kroshka Member

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    I was told it could be done in one day... I will update when I have confirmation from BPJS. I do belive that you cannot close down your Indonesian bank account before, as BPJS will transfer the amount to an Indonesian bank account
     
  9. centurion

    centurion Member

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    The best thing would be to go BPJS Ketenagakerjaan and ask. Kesehatan is non-refundable.
     
  10. Fred

    Fred Member

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    BPJS is intended for poor people without the ability to afford life saving or changing medical care.
    Given the premiums are tiny, just forget them and call it an act of charity.
     
  11. Euc-

    Euc- Active Member Charter Member Cager

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    The healthcare part perhaps yes, but why would you not claim your "old age" plan (pension plan is capped at 3% (2% employer/1% employee) of 7jt, so you should be able to get 2.5jt back, let's call that charity then), but the old age plan is 3.7 employer and 2% employee, let's say an expat has a basic salary of 100jt a month then you're talking about 68jt a year that gets paid for by the company & deducted from your salary that you would be able to claim back, work 5 years and its 342jt or 25.000 USD. That's an act of charity to you?
     
    Last edited: Jun 6, 2018
  12. Davita

    Davita Well-Known Member Charter Member

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    Fred quoted the OP who said he'd only been paying into BPJS for one year and his contribution therefore would be very little...and that's why many, including myself, agreed with his post.

    Your post above doesn't answer the OP's question although it may help expats who are working and continuing to contribute.
     
  13. Euc-

    Euc- Active Member Charter Member Cager

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    Even if the op only worked one year at that salary he’d still get 68jt or almost 5000usd, let’s say his salary is half it’s still 2500usd, hardly peanuts in either case.

    Since we don’t know the OPs salary and how much he has been paying, Fred’s post saying “just leave it as an act of charity” was also of no use to him.
     
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  14. Fred

    Fred Member

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    This very well off expat would lose nearly three weeks wages per year.
    Tragic.
     
  15. Davita

    Davita Well-Known Member Charter Member

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    You're correct.... it would have been informative if the OP had indicated how much he was leaving on the table.
    If he was earning as much as you indicate in your post he didn't need to ask us on a forum.... he could have employed a lawyer to recover his JHT!
     
  16. Euc-

    Euc- Active Member Charter Member Cager

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    Oh come on, as if it’s THAT much. If that is an all-in package for an expat well advanced in his career with 2/3 kids going to international school or university in his/her home country, a mortgage to take care of, student/advanced degree loans to pay off etc, that “poor” expat won’t have money for a lawyer nor would he leave even a weeks worth of wages behind.

    Local garuda pilots earn similar wages incl flying hours etc, think of all the guys in finance, consultancy, oil & gas and even hospitality where a General Manager can easily earn 10k usd a month.

    Dislike all you want, one “high” salary isn’t the other, and you’d be stupid to throw away even one weeks’ worth of wages.
     
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  17. jstar

    jstar Mr. 10,000

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    On Upper Crust and Jakarta Buy and Sell you see expats selling the socks and shoes of their small kids for 10.000-20.000 so give me a break....I agree with @Euc- , it is something you worked for and are entitle to. As long as it's more than the transportation to the BPJS office.....
     
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