For any company entering a new market, protecting its workforce is not just an ethical responsibility—it’s a fundamental legal requirement. In Indonesia, the regulations surrounding employee insurance and legal protection are detailed and complex, especially for foreign companies. Navigating this landscape correctly is crucial for ensuring a smooth operation and safeguarding your most valuable asset: your people.

Understanding the Legal Landscape of Employee Protection

Indonesia has a robust social security system that mandates coverage for both local and foreign workers. While local employees are enrolled in the state-run BPJS programs, foreign workers on a KITAS have specific requirements that must be met to remain compliant.

Companies are responsible for providing appropriate insurance coverage, which often includes personal accident and medical benefits. This is where specialized plans become vital, as their benefits and premiums reflect the varying risk levels and requirements of the job. It’s important to understand the different types of protection needed for, for example, a team of consultants versus crew members on a ship, to ensure everyone is covered appropriately.

The Risks of Non-Compliance

Failing to secure the correct insurance and legal protection can have severe consequences. Non-compliance can result in hefty fines, legal penalties, and even operational shutdowns. Beyond the financial and legal risks, it also creates a significant blow to a company’s reputation and makes it difficult to attract and retain top talent.

Accura: Your Partner for Comprehensive Workforce Solutions

Navigating these regulations can be a complex and time-consuming process for a foreign company. It requires not only an understanding of the legal framework but also the ability to source and secure the right insurance products.

This is where Accura comes in. Our services go beyond company formation and visa processing. We are your all-in-one partner for securing the legal and administrative needs of your workforce. Our expertise includes advising on the mandatory insurance and legal requirements for your specific industry and helping you procure the right plans, ensuring your team is fully protected from day one.

By partnering with us, you can be confident that all aspects of your workforce—from legal compliance to comprehensive insurance coverage—are managed by experts. This allows you to focus on building a strong team and growing your business with complete peace of mind.