Gotrade News - Indonesia is cutting work accident and death insurance premiums in half for non-wage earners. The discount targets informal workers including traders, influencers, and ride-hailing drivers.
Key Takeaways
- Indonesia's 50% JKK-JKM premium discount started in January 2026 for informal workers.
- Transportation workers receive the discount through March 2027, others through December 2026.
- Coverage benefits remain unchanged despite the lower premiums.
The transportation segment covers app-based drivers, non-app drivers, and couriers, with the discount running January 2026 to March 2027. Other informal worker categories receive the discount from April through December 2026.
Labor Minister Yassierli said the policy lowers contributions so more informal workers can be protected. Coverage benefits remain intact even though premiums are reduced.
Benefits continue to include accident compensation, death benefits, and family scholarships. The scheme aims to sustain participation among informal workers under macroeconomic strain.
Eligible groups also include freelancers, fishermen, and farmers alongside traders and drivers. Influencers are explicitly named as recipients of the discount.
The government separately set a minimum Religious Holiday Bonus standard for digital platform workers. The benchmark equals 25% of the worker's average net income over twelve months.
The combination of premium relief and the bonus benchmark aims to broaden the safety net for informal workers. Implementation will run through the BPJS Ketenagakerjaan enrollment system.
