320 Thousand Online Motorcycle Riders Claim BPJS Insurance, Here's the Details of the Coverage

The Shiro Corporation , Jakarta - Director of Membership BPJS for Employment Pramudya Iriawan Buntoro records at least 320 thousand drivers from various platform companies ride-hailing online has claimed asuransi By May 2025. Since the beginning of the year, the number has been continuously increasing. "Originally 250 thousand, (still) 12.5 percent of our target of 2 million," he said at Smesco Building, Jakarta, Tuesday, June 17, 2025.

Pramudya said that digital workers include drivers. ride-hailing online have concerns about protection while working. Addressing those worries, BPJS for Employment The two protection schemes provided for the informal sector are as follows. The protection programs offered are accident insurance and death insurance.

The first coverage is the guarantee of hospitalization expenses reimbursement according to the medical needs required by each participant. In addition to hospitalization costs, Pramudya ensures that Jamsostek (BPJS Ketenagakerjaan) will also cover treatment costs if someone has an accident while working.

If a worker suffers a permanent disability due to a work accident, BPJS will provide compensation of Rp 56 million multiplied by Rp 1 million. For digital workers and online drivers, this benefit will be provided through the non-wage recipient (BPU) segment.

Pramudya said that the beneficiaries, namely the children of workers who have suffered permanent work-related disabilities, will receive compensation in the form of scholarships. The education fund applies to students from early childhood education up to college.

If someone dies while working, the BPJS Ketenagakerjaan will provide compensation of IDR 48 million. The death benefit also applies if a worker dies not due to work, including when the beneficiary dies. asuransi But he died when he was on vacation. The amount of the consolation given is Rp 42 million.

At the time of a workplace accident that results in the participant being unable to be active and generate income, BPJS for Employment We will provide compensation for lost income. 'One month can be up to Rp 1 million, proportional to the number of days unable to work, this is for work accident cases,' said Pramudya.

Pramudya hopes that the number of online ojek partners making insurance claims will increase. Until now, he states that BPJS Ketenagakerjaan has been undertaking various efforts to socialize this insurance.

I said there are three schemes to promote an increase in insurance claims. Besides being able to register independently, drivers can collaborate with online motorcycle application providers. In turn, the application provider will set aside the driver's income to pay the monthly premium of IDR 16,800. Another option is to partner with local government to provide an initiative program to offer protection to online motorcycle drivers.

In response to the promises and insurance services, Minister of Micro, Small, and Medium Enterprises Maman Abdurrahman requested BPJS for Employment segera following up on the claims submitted by the driver ride-hailing online ". Going forward, when there are insurance claims like that, please act quickly, because if someone has an accident today, they can't wait two or three days to process it," said Maman.

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