Accelerating Work Accident Insurance Claims: BPJS Ketenagakerjaan and Jasa Raharja Integrate Service Application

BPJS Ketenagakerjaan and PT Jasa Raharja have officially launched an integrated service application for work accident and traffic accident insurance claims, a strategic move to expedite services for workers involved in traffic accidents during employment. The launch was conducted by BPJS Ketenagakerjaan’s CEO Saiful Hidayat and Jasa Raharja’s CEO Muhammad Awaluddin on Monday, 25 May, at Primaya Hospital Karawang. The application integration is part of strengthening digital transformation in worker protection services to deliver faster, coordinated claims processes and service certainty for participants. Through the interconnected system, Coordination of Benefit (CoB) between BPJS Ketenagakerjaan and Jasa Raharja can be more effectively managed, speeding up service delivery and simplifying administrative procedures at healthcare facilities. In his speech, BPJS Ketenagakerjaan CEO Saiful Hidayat stated the collaboration is a tangible implementation of the company’s 3C strategy, particularly the ‘Care’ aspect, providing seamless protection without barriers. ‘This integration is a crucial step to ensure our workers are seamlessly protected through streamlined information and data exchange between BPJS Ketenagakerjaan and Jasa Raharja. It allows better coordination of benefits, demonstrating the state’s commitment to providing the best protection for Indonesian workers,’ Saiful said. Saiful also stressed that BPJS Ketenagakerjaan’s Work Accident Insurance (JKK) programme covers risks not only during work activities but also during commutes to and from work. ‘BPJS Ketenagakerjaan’s protection extends from when workers leave for work until they return home. Therefore, strengthening service synergy with Jasa Raharja is vital to ensure service certainty in traffic accident cases related to employment,’ he added. BPJS Ketenagakerjaan noted that traffic accidents remain one of the largest contributors to work-related incidents in Indonesia. In 2025, out of approximately 318,000 recorded work accident cases, around 28%—over 87,000—occurred in traffic. Most incidents happened during commutes or work-related transportation activities. This highlights that worker protection efforts require not only post-accident service improvements but also stronger promotional and preventive measures to reduce road accident risks. Jasa Raharja CEO Muhammad Awaluddin said the collaboration represents a concrete integration of state protection for citizens through the synergy of two institutions mandated to provide basic protection. ‘This collaboration between Jasa Raharja and BPJS Ketenagakerjaan is a form of national protection integration aiming to deliver faster, precise, and accurate services for citizens, especially workers involved in work-related traffic accidents. The system integration also strengthens the National Social Security System ecosystem through more seamless and coordinated services,’ Awaluddin said. He added that the integration would enhance inter-agency service efficiency and optimise the Coordination of Benefit mechanism, ensuring more effective and coordinated claims processing. ‘We hope this innovation does not stop at today’s integration. In the future, we will continue developing service innovations to ensure basic protection for Indonesian citizens and workers is more accessible, faster, and delivers tangible benefits,’ he added. The application integration also strengthens data and service coordination to make claims administration more efficient, accurate, and transparent, including easing processes for Work Accident Service Centres (PLKK) in serving participants. With today’s launch, 1,624 Work Accident Service Centres (PLKK) collaborating with BPJS Ketenagakerjaan and Jasa Raharja can now access the integrated application. Accompanying this, DJSN member Muttaqien, who attended the event, praised the two institutions’ synergy in delivering better and more efficient services. ‘We strongly support and appreciate the system integration between BPJS Ketenagakerjaan and Jasa Raharja. We hope the application functions smoothly and ensures all services are delivered more effectively and efficiently in the future,’ Muttaqien said. The launch event also included safety riding education and campaigns as part of BPJS Ketenagakerjaan’s promotional and preventive programmes. These efforts aim to raise workers’ awareness of road safety and workplace health and safety (K3) culture, given traffic accidents remain a primary risk for Indonesian workers.