Accident Insurance Program (JKK)
Definition
 Occupational accidents including occupational disease is a risk that must be faced by workers in doing their jobs. To cope with the loss of some or all of the income that result from social risks such as death or disability due to occupational accidents both physically and mentally, it is necessary to work accident insurance. Health and safety of workers is the responsibility of employers so that employers have an obligation to pay accident insurance contributions ranging between 0.24% - 1.74% as a group of businesses.
Benefit
Accident Insurance (JKK) provide compensation and rehabilitation for workers who suffered an accident at the time began to go to work until arriving back home or suffer diseases caused employment relationship. Contribution to JKK program is fully paid by the company. Details of the amount of dues based group of business as listed on the dues.
1. Cost of Transport (Maximum)
- Land / river / lake Rp 750.000, -
- Sea Rp 1.000.000, -
- Air Rp 2.000.000, -
2. While unable to work
- Four (4) months of the first, 100% x monthly wage
- Four (4) months of the second, 75% x monthly wage
- So 50% x monthly wage
3. Cost of Treatment / Care
Rp 20,000,000, - (maximum) and Substitution Denture Rp. 2.000.000, - (Maximum)
4. Compensation Disability
- Most-fixed:% x 80 months of salary tables
- Total fixed:
- At the same: 70% x 80 months of salary
- Regular (24 months) Rp 200.000, - per month *
5. Less function:% less function x% x 80 months of salary tables
6. Death Benefit
- At the same time 60% x 80 months of salary
- Regular (24 months) Rp. 200.000, - per month *
- The cost of the funeral Rp 2.000.000, - *
7. The cost of rehabilitation is given one time for each case with the benchmark price set by the Government General Hospital Rehabilitation Center and plus 40% of the price, as well as medical rehabilitation costs a maximum of Rp 2,000,000, -
- Prothese / tool substitute limbs
- Tools / orthose (wheelchair)
8. Occupational diseases, the amount of compensation and the cost of treatment / care costs the same as the points of the 2nd and 3rd.
Dues
- Group I: 0,24% of the monthly wage;
- Group II: 0:54% of the monthly wage;
- Group III: 0.89% of the monthly wage;
- Group IV: 1:27% of the monthly wage;
- Group V: 1.74% of the monthly wage;
*) In accordance with Regulation No. 84 of 2010
Security Procedures
- In the event of workplace accidents employers must fill out the form BPJS Employment 3 (accident report phase I) and send to BPJS Keteneagakerjaan no more than 2 x 24 hours from the occurrence of the accident
- After labor declared cured / died by the treating physician, employers must fill out the form 3a (accident report stage II) and sent to the Employment BPJS no more than 2 x 24 hours since the labor declared cured / died. Furthermore BPJS Employment will calculate and pay the compensation and the compensation of occupational accidents are the rights of labor / heirs.
- Employment BPJS Form 3a serves as a guarantee of payment of a request accompanied by evidence of:
- Photocopies of participants BPJS Employment
- The treating doctor's certificate in form BPJS Employment 3b or 3c
- Receipt cost of treatment and care and transport receipts
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