How can employees be protected from workplace accidents?
BPJS Employment or BPJS Ketenagakerjaan (social insurance in Indonesia) is issued by the employer to protect its employees. One of the advantages of such insurance is accident protection - JKK (work accident insurance)
An accident at work can happen to anyone, not only to those who work in high-risk enterprises. A simple example: even an office employee sitting at a desk can accidentally stumble and hurt themself, suffering an injury requiring medical attention.
JKK can provide financial protection against various accidents, such as:
Workplace accidents
Any accidents that occur in the workplace will be covered. For example, this may be the case when a cafe employee accidentally burned himself with a hot drink or cut himself with a kitchen knife. Builders who are prone to injury from construction equipment.
Accidents on the way
No one wants to get into an accident, but unfortunately it can sometimes happen on the way to or from work, especially in heavy Indonesian traffic. In this case, the insurance will cover the financial risks associated with such an accident.
Occupational diseases
There are professions that are prone to certain diseases due to working conditions. For example, an employee who works in an area with high levels of air pollution is at risk of respiratory diseases. And those whose work involves chemicals are at risk of getting sick due to their exposure.
What social guarantees does BPJS Employment provide during an accident?
Free medical care in accordance with medical indications
Home care, if necessary on the recommendation of a doctor
Temporary Disability Compensation (SSTMB)
Compensation in case of disability due to an accident
Rehabilitation with the provision of aids or prostheses in case of loss of a body part
Compensation in case of death due to an accident
In addition to these benefits, participants also get access to the return to work program if an accident has led to disability. This program provides medical care, rehabilitation and training so that the participant can adapt to new conditions and return to work.
Benefits for employers
Registration of such insurance is the responsibility of the employer and a mandatory requirement of Indonesian law. Social insurance not only helps to create safe working conditions, but also improves the company's image by demonstrating care for its employees. Employers gain confidence that in the event of an accident, all medical expenses and compensation will be covered by BPJS Employment, which minimizes financial losses and contributes to business stability.
All these benefits of BPJS Employment can only be obtained if you are already registered and pay contributions regularly.
Our agency helps employers with the registration of industrial accident insurance, providing a professional approach and saving time. We guarantee that all processes will be carried out correctly and in accordance with the law, which allows employers to focus on the development of their business without being distracted by bureaucratic issues.
