BPJS Kesehatan: Foreigners Must Switch to Insurance Through a Company

BPJS Kesehatan is changing the way foreigners are insured: you can no longer arrange insurance on your own, only through a company. We checked the details with BPJS Kesehatan and explain what you need to know.

What is changing

• Foreigners insured on their own must switch to insurance through their company. According to BPJS, self-paid insurance for foreigners will start to be switched off in December 2026.

• Foreigners already insured through a company must update their KITAS details with BPJS. This is done on behalf of the company.

• The rules apply across all of Indonesia.

Who can be insured through a company

• Investor KITAS holders with a share in the company of at least 10 billion rupiah. Immigration has required the same threshold from investors since May 2024. If the share is smaller, BPJS requires the share structure to be changed.

• Work KITAS holders with an approved RPTKA, the permit to employ a foreign worker.

• Family members of an investor or work KITAS holder: a spouse and children, up to 4 people in total. Children must be under 21, or under 25 if they are studying, unmarried and have no income of their own.

• Holders of a retirement KITAS or a remote worker KITAS will not be able to get insured with BPJS Kesehatan: self-registration no longer exists. If you hold one of these KITAS and already have active insurance, you will not be able to renew it. According to BPJS, such policies will be cancelled in December 2026.

What to do now

• Check how you are insured: on your own or through a company.

• If you are insured on your own, the company arranges the switch through its e-Dabu account with BPJS Kesehatan. Every company registered with BPJS as an employer has one. Through it, the company adds the KITAS holder and their family members.

• Check whether you meet the conditions: a share of at least 10 billion rupiah for an investor KITAS, or an RPTKA for a work KITAS.

• Do not put off the switch. If the documents are submitted by the 20th, the registration will be processed in the same month and the first invoice will arrive the next month. If they are submitted later, the registration moves to the following month.

We will help you move your insurance to your company: we will add you and your family through the company account, and if you are already insured through a company, we will update your KITAS details. Message us