Employment protection for self-employed and informal sector workers provided by BPJS Ketenagakerjaan (Indonesia’s Employment Social Security Agency).

One of the programs we offer is protection for Non-Wage Recipients (BPU – Bukan Penerima Upah).

Non-Wage Recipient (BPU) is an official social security program of the Government of Indonesia that provides employment protection for self-employed individuals and informal sector workers who do not receive a fixed salary from an employer.

This program is designed to provide a sense of security and financial protection in the event of work-related accidents, death risks, and long-term support for participants and their families, including:

• Entrepreneurs & MSME owners

• Freelancers / independent workers

• Farmers, fishermen, and livestock breeders

• Traders, artisans, and other informal workers

• Self-employed individuals without company affiliation

• Domestic workers (household assistants)

They are entitled to comprehensive protection against work-related accidents and death provided by the Government of the Republic of Indonesia, without the need for an employment contract.

Benefits of the Non-Wage Recipient (BPU) Program

• Work Accident Insurance: Benefits in the form of cash compensation and/or medical services provided when a participant experiences a work-related accident or occupational disease. Participants are entitled to medical treatment and care according to medical needs, as well as cash compensation.

• Death Benefit: Cash benefits provided to the participant’s heirs if the participant passes away due to causes not related to a work accident or occupational disease. These benefits include death compensation, periodic compensation, funeral expenses, educational scholarships for the participant’s children.

This program is intended for participants who are not wage earners, not permanent salaried employees. Detail benefit, please click here.

Sumber gambar / Image source: Generated by ChatGPT 5.2 AI, 20 January 2026.

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