How Workers Can Register Additional Family Members as BPJS Health Dependants

Having health insurance protection is a fundamental right of workers that every company or employer must fulfil. Through the National Health Insurance (JKN) programme, the government ensures that workers and their immediate families can access medical services free of charge and equitably. However, what if you wish to register a fourth child, parents, or in-laws so that their premiums can be deducted directly from your monthly salary? Rizzky Anugerah, Head of Public Relations at BPJS Kesehatan, explained that workers registered under the Wage-Earning Worker (PPU) segment can add family members beyond the nuclear family as their dependants. Here is a complete guide regarding the contribution scheme, requirements, and registration procedures: Under the regulations, the total JKN contribution for PPU workers is 5% of the monthly net income (take-home pay), with the following breakdown: 4% paid by the employer and 1% paid by the worker through salary deduction. The maximum monthly income used as the basis for calculating the contribution is capped at Rp12 million. Therefore, if a worker earns Rp100 million per month, the 1% deduction is still calculated based on the Rp12 million nominal. The standard 5% contribution automatically covers five people listed in the Family Card (KK), namely: the worker, their spouse, and up to three biological children. If a worker has a fourth or fifth child, or wishes to include parents and in-laws, they are categorised as Additional Family Members. The provisions are as follows: an additional contribution of 1% of the worker’s monthly salary is charged per person, with the same salary cap of Rp12 million. This additional contribution is fully borne by the worker. To process this registration, the worker must attach the following documents to the administration department at their workplace: a completed family addition form, a Family Card (KK), the spouse’s identity card (KTP) for registering in-laws, and a marriage certificate or birth certificate. The registration process is not carried out independently by the worker at a BPJS Kesehatan office, but rather through a collective institutional route: the worker submits the requirements to the company’s HR department, the company then inputs the data into the BPJS Kesehatan information system, and the additional premium will be automatically deducted from the worker’s monthly salary. As of the end of June 2026, out of the total approximately 284.2 million JKN participants, 21.2 million are registered in the PPU Government segment and 46.8 million in the PPU Private segment. Rizzky also reminded workers to ensure their family’s JKN membership status is always active, as illness can strike unexpectedly at any time. With relatively affordable contributions, the JKN programme’s benefit coverage is extensive, guaranteeing thousands of diagnosis types as stipulated in the Minister of Health Regulation Number 3 of 2023. He concluded that BPJS Kesehatan covers not only costly illnesses but also long-term or lifelong treatments, such as dialysis for kidney failure, care for thalassemia and haemophilia, cancer treatment, and insulin for diabetes.