Do Intern Students Receive BPJS Employment Insurance? Understand the Provisions

Vocational secondary school students are required to participate in internship or field work practice (PKL) programmes as part of their learning process and graduation requirements. Internships or PKL can also provide real-world work experience. Do intern students receive BPJS Employment Insurance? Here is the explanation. What is Work Accident Insurance? Work Accident Insurance (JKK) is a social security programme that covers the costs of medical services according to participants’ needs and provides cash benefits to any participant who suffers a work accident or work-related illness. This programme is implemented nationally based on the principle of social insurance, where participants pay periodic contributions or the government pays the contributions to BPJS Ketenagakerjaan on behalf of participants. The purpose of the JKK programme is to ensure that participants receive health service benefits and cash allowances if they experience a work accident or suffer a work-related illness. Participants in the JKK Programme Participants in the JKK programme are workers who are not employed by state institutions, who have paid contributions, and are active participants. They consist of: - Wage-Earning Workers (PU), including workers in companies or other private legal entities, workers for individuals, and foreigners working in Indonesia for at least six months - Non-Wage-Earning Workers (BPU) with a maximum age of 60 years, including employers, workers outside employment relationships or self-employed workers, other workers (interns, practical work students, honorary staff, prisoners in assimilation processes) - Construction workers - Prospective or Indonesian Migrant Workers (CPMI/PMI), including those placed by placement implementers or individual CPMI/PMI Intern Students as JKK Beneficiaries Based on the description of participants above, intern students during PKL are also entitled to the benefits of the BPJS Ketenagakerjaan JKK programme. Provided that students pay contributions regularly and have active participant status. Benefits of the JKK Programme The scope of JKK programme benefits includes work accident risks that occur during travel to the workplace, return from the workplace, at the workplace, and on official trips. Here are the details of the benefits received. - Health services, including basic and supporting diagnostic examinations, treatment (from primary to intensive levels), inpatient care, management (including comorbidities and other complications), medical devices and implants, doctor services, surgery, blood services, medical rehabilitation, and home care. - Cash benefits, consisting of eight types: reimbursement of transportation costs, Temporary Incapacity to Work Allowance (STMB), disability allowance, death allowance, periodic allowance, rehabilitation costs, reimbursement of other assistive device costs, and education scholarships for children of participants who die or suffer permanent total disability due to work accidents. - Assistance for readiness to return to work, covering a series of health services, rehabilitation, and training so that participants can return to work. - Promotive and preventive activities for work accidents and work-related illnesses are the obligations of employers. However, employers can collaborate with BPJS Ketenagakerjaan to fulfil these obligations.