JAKARTA, JOURNALARTA.COM – Freelancers, ride-hailing drivers, shop owners, or anyone working independently without a company contract can now register for BPJS Ketenagakerjaan Mandiri fully online, with no need to queue at an office. Monthly contributions start at Rp16,800, and the benefits cover three programs at once: Work Accident Insurance (JKK), Death Insurance (JKM), and Old Age Security (JHT).
This scheme is known as Bukan Penerima Upah (BPU), or the special channel BPJS Ketenagakerjaan provides for informal workers and self-employed earners. Registration can be completed through the JMO app, the official BPJS website, or even WhatsApp. The procedures and data below are based on the official bpjsketenagakerjaan.go.id page and the JMO app as of 2026.
Documents You Need to Prepare
The requirements are simple. Prepare your original ID card (and a photocopy), a photocopy of your Family Card, an active mobile number for verification in the JMO app, and a bank account for contribution payments. NPWP is optional, but it can help if you later need to claim certain benefits.
Make sure the phone number you register is truly active. The verification OTP is sent to that number, and without the OTP, the process cannot continue.
3 Ways to Register for BPJS Ketenagakerjaan BPU Online in 2026
1. Through the JMO App (Fastest)
Download the “JMO” app from the Play Store or App Store. Open the app, select the Registration menu, then BPU Participant. Fill in your personal details: NIK, full name, date of birth, type of work, and estimated monthly income.
Choose a contribution package based on your needs, then upload a photo of your ID card and a selfie while holding your ID card. Pay the first contribution via virtual account or bank transfer. The digital card becomes active right away and can be accessed in the JMO app without a physical card or courier delivery.
The whole process usually takes about 10 minutes.
2. Through the SIPP Online Website
Open sipp.bpjsketenagakerjaan.go.id, then select New Registration → BPU. Fill out the form, upload the documents, and complete the first contribution payment. The e-card will be sent to the email address you registered.
3. Through WhatsApp
Send a message to 081380070175. Type “Hello,” choose the BPU Registration menu, follow the customer service instructions, and send the document photos directly through chat. This option suits people who are not comfortable using apps or websites.
BPJS Mandiri 2026 Contribution Packages
| Package | Monthly Contribution | Programs Included |
|---|---|---|
| Economy Package | Rp16,800 | JKK + JKM + JHT |
| Complete Package | Rp36,800 | JKK + JKM + JHT + JP (Pension Security) |
| Minimum Package | Rp10,800 | JKK + JKM only |
The Economy Package is the most popular choice. For Rp16,800 per month—less than a lunch serving in many big cities—you get protection against work accidents, death benefits for your family, and savings in JHT that can be withdrawn when you retire or stop working.
For those who want a monthly pension benefit in old age, the Complete Package at Rp36,800 adds the JP program. The contribution stays affordable for coverage that is far more comprehensive than having no protection at all.
Still Want to Visit the Office? Here Is the Address
Offline registration is still available. The BPJS Ketenagakerjaan office in Palembang is located at Jl. R. Sukamto No.2187, Palembang. But since the entire process can already be completed from your phone, the online route through JMO is clearly more efficient, especially for workers who do not have free time during office hours.
One thing to remember: membership only becomes active after the first contribution is paid. Do not delay payment too long after registering, because benefits can only be claimed once your participant status is fully active in the BPJS Ketenagakerjaan system.
📝 Leave a Comment
Comment as . Reviewed by an admin before it appears.