Health Ministry: BPJS Kesehatan Premiums Unchanged During KRIS Transition
The government has officially abolished the class 1, 2 and 3 system in BPJS Kesehatan services, replacing it with the Standard Inpatient Class (KRIS). However, the change is being implemented gradually, leaving the public questioning what premiums will apply once the policy takes effect.
As of 25 July 2025, the government is still applying a transition period towards the KRIS system. This means BPJS Kesehatan premiums have not yet changed, pending official regulations on the new tariffs to be set by the government.
Health Minister Budi Gunadi Sadikin previously stated that KRIS implementation would indeed be carried out in stages. As a result, BPJS Kesehatan participants continue to use the premium scheme in force before the new policy is fully applied.
“BPJS KRIS should be implemented starting this year, but gradually over two years,” said Budi.
Budi also commented on the tariffs likely to apply under the BPJS KRIS system, saying the BPJS Kesehatan tariff would probably not change from before.
“The tariff hasn’t been determined yet, but there should be no change because it was designed at the same price,” said Budi.
As is known, the government has officially changed the BPJS class 1, 2 and 3 system that has applied until now. In its place, the government is implementing KRIS, a system in which all patients receive the same inpatient service standard.
The decision to abolish BPJS classes was established through Presidential Regulation Number 59 of 2024 concerning the Third Amendment to Presidential Regulation Number 82 of 2018 on Health Insurance.
The KRIS system is being implemented gradually, with full implementation targeted for 30 June 2025. Participants’ premiums will subsequently be set by the government in accordance with applicable regulations.
So what about the current premiums?
Current premium amounts remain unchanged until further provisions are issued by the government. During the transition period, premiums still apply as before.
The rules on premiums were previously laid out in Presidential Regulation Number 63 of 2022. It also stipulates that payment must be made by the 10th of each month at the latest, and there will be no late payment fines from 1 July 2026.
A fine is imposed if, within 45 days of membership being reactivated, the participant receives inpatient health services.
Under that regulation, the premium scheme is divided into several categories. Here is the explanation:
Subsidised Premium (PBI) Health Insurance participants, whose premiums are paid directly by the government.
Premiums for Salaried Workers (PPU) employed at government institutions — comprising civil servants, TNI members, Polri members, state officials, and non-civil-servant government employees — are set at 5% of monthly salary or wages, with 4% paid by the employer and 1% paid by the participant.
Premiums for PPU participants working at state-owned enterprises (BUMN), regionally owned enterprises (BUMD) and private companies are 5% of monthly salary or wages, with 4% paid by the employer and 1% paid by the participant.
Premiums for additional family members of PPU participants — comprising the fourth child onwards, father, mother, and parents-in-law — are 1% of monthly salary or wages per person, paid by the salaried worker.
Premiums for other relatives of PPU participants, such as siblings or siblings-in-law and domestic assistants; self-employed workers (PBPU); and non-working participants are as follows:
Rp42,000 per person per month, with benefits covering Class III ward treatment. As of 1 January 2021, the premium for Class III participants was Rp35,000, with the government providing a premium subsidy of Rp7,000.
Rp100,000 per person per month, with benefits covering Class II ward treatment.
Rp150,000 per person per month, with benefits covering Class I ward treatment.
- Health Insurance premiums for Veterans, Independence Pioneers, and widowers, widows, or orphans of Veterans or Independence Pioneers are set at 5% of 45% of the basic monthly salary of a civil servant at rank III/a with 14 years of service, paid by the government.