How to Pay BPJS Ketenagakerjaan Contributions for Freelancers

03 August 2026

Working as a freelancer is becoming increasingly popular because it offers flexibility in scheduling and the freedom to choose projects.

Unlike permanent employees, freelancers generally do not receive social security benefits from companies that cover protection against workplace accidents, death, old age, and retirement. Therefore, having social security protection such as BPJS Ketenagakerjaan is an important step. Through the BPJS Ketenagakerjaan BPU (Non-Wage Earners) program, freelancers can still receive the same protection benefits as formal workers.

What is BPJS Ketenagakerjaan BPU?

BPJS Ketenagakerjaan BPU is a program from BPJS Ketenagakerjaan specifically designed for self-employed workers, including freelancers, Micro, Small, and Medium Enterprises (MSMEs), and independent contractors across various sectors.

This program provides access to the same protection without being tied to a specific company. In other words, freelancers can still have a financial safety net even while working independently.

What are the benefits of BPJS Ketenagakerjaan BPU for freelancers?

By joining the BPJS Ketenagakerjaan BPU program, freelancers, MSME owners, and independent contractors will receive several benefits, such as:

1. Workers’ Compensation (JKK)
   

   This benefit provides comprehensive protection against workplace risks, ranging from minor to severe accidents.

   Benefits received:

   • Unlimited medical expenses based on medical necessity.
   • Hospitalization until full recovery.
   • Temporary disability benefits if unable to work.
   • Disability or death benefits resulting from a work-related accident.

   For freelancers who frequently change work locations or have high mobility, this coverage is highly relevant because risks can arise at any time.

2. Death Coverage (JKM)
   

   If the participant passes away due to causes other than a work-related accident, the beneficiaries will still receive benefits.

   Benefits received:

   • Cash benefits for the family.
   • Funeral expenses.
   • Periodic benefits over a specified period.
   • Educational scholarships for children (subject to certain conditions).

   These benefits are crucial as a form of protection for the family left behind, especially if the freelancer is the primary breadwinner.

3. Old-Age Benefit (JHT)
   

   This program functions as a long-term savings plan that can be withdrawn in the future.

   Advantages of JHT:

   • Accumulated contributions grow over time.
   • Can be withdrawn upon reaching retirement age, ceasing employment, or under certain conditions.
   • Provides a financial reserve for the future.

   For freelancers who do not have a company pension, JHT serves as an alternative to prepare for a more stable financial future.

Why Should Freelancers Enroll in the BPJS Ketenagakerjaan BPU Program?

Without this kind of protection, financial risks can become a major burden. This program helps:

• Reduce the burden of unexpected expenses.
• Maintain personal and family financial stability.
• Provide a sense of security while working independently.

With these benefits, freelancers, MSME owners, and contract workers can focus more on developing their careers or businesses without being haunted by worries about unexpected risks.

How Do You Enroll in the BPJS Ketenagakerjaan BPU Program?

To become a BPJS Ketenagakerjaan BPU participant, a freelancer must register online on the BPJS Ketenagakerjaan website or visit a BPJS Ketenagakerjaan branch. After filling out their personal information, participants will receive a contribution code via email. This contribution code is used to make payments.

How to Pay BPJS Ketenagakerjaan BPU Contributions for Freelancers via the M2U ID App?

Paying BPJS Ketenagakerjaan premiums is now more convenient than ever. Freelancers no longer need to visit an office or wait in line at a counter. Currently, payments can be made through various channels, including mobile banking apps like the M2U ID App.

The M2U ID App (mobile banking) from Maybank Indonesia allows you to pay your BPJS Ketenagakerjaan BPU premiums anytime and anywhere without having to visit a branch office.

Here are the steps:

1. Log in to the M2U ID App
2. Select the ‘Payment’ menu on the account screen
3. Select ‘BPJS’ from the Payment menu
4. Select the payment account
5. Select ‘Select Bill’
6. Select BPJS Ketenagakerjaan BPU
7. Enter your e-KTP/NIK number
8. Review transaction details
9. Enter your Secure2u passcode
10. Payment successful

Let’s start being aware of workplace protection now! Join the BPJS Ketenagakerjaan BPU program to receive financial protection while working, and make premium payments via the M2U ID App. Paying premiums is now more convenient and efficient.

How to Pay BPJS Ketenagakerjaan BPU via the M2U ID App

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