IsonAIBPJS Kesehatan (Indonesia’s national health insurance, JKN) is mandatory for every resident, and you can now register yourself through the Mobile JKN app without visiting an office. In short: prepare your NIK (national ID number), KK (Kartu Keluarga, the family card), an active email/phone, and a bank account; register as a new self-paying member (PBPU) for everyone on one family card; choose a care class and a primary health facility (FKTP); then pass a 14-day waiting period, pay the first premium, and track your activation status in the Mobile JKN app. Monthly premium per person: Class 1 Rp150,000, Class 2 Rp100,000, Class 3 Rp35,000. This guide focuses on registering one family card yourself via Mobile JKN.
Reviewed as of July 2026 against the official BPJS Kesehatan site (bpjs-kesehatan.go.id) and the Mobile JKN app. Premiums, classes, and rules (including the KRIS transition) can change; verify in Mobile JKN and on bpjs-kesehatan.go.id before registering and paying.
Not BPJS Ketenagakerjaan. This guide covers BPJS Kesehatan (health/JKN). BPJS Ketenagakerjaan is a separate programme (old-age savings, work-accident cover, and similar) with its own app and contributions.
Who registers independently
Self-registration is for the PBPU segment — non-wage earners and non-workers — meaning people not enrolled through an employer (the PPU segment) or through government assistance for the poor (PBI). PBPU registration generally covers all members of one family card, and everyone takes the same class.
| Your situation | What applies |
|---|---|
| No BPJS at all yet | Register PBPU for all members on the family card |
| Some members are covered through an employer (PPU) | PPU members stay in their employer’s segment; register only the remaining members as PBPU |
| You had BPJS but it lapsed from arrears | Not a new registration — do a reactivation and clear arrears (see the fines section) |
| A newborn of an active member | Add via the member-addition menu (see special cases) |
What you need
- Each family member’s NIK/e-KTP (electronic ID) and the family card (KK).
- An active email and phone number (for OTP codes and notifications).
- A bank account number for premium auto-debit. In recent years, PBPU registration generally requires auto-debit; prepare an account with a partner bank (e.g. BNI, BRI, BTN, Mandiri, BCA) or another official auto-debit channel.
- A chosen FKTP — a fasilitas kesehatan tingkat pertama, i.e. a community health centre (puskesmas), clinic, or GP — as your first point of care.
Registration steps in Mobile JKN
- Download and open Mobile JKN, then on the home page choose Register → New Member Registration. Accept the terms. Sign of failure: the menu won’t proceed → update the app and check your connection.
- Enter your NIK and data matching the e-KTP/KK. The system pulls your civil-registry data; make sure your NIK matches the civil registry (Dukcapil). Sign of failure: “NIK not found/invalid” → fix/activate your data at the civil-registry office (Disdukcapil) first.
- Enter every family member on the KK as required (PBPU registration covers one whole family card). Output: the list of members to be registered.
- Choose a care class (Class 1/2/3) — the same for all members on the KK — and select an FKTP.
- Set up auto-debit by linking a bank account. Sign of failure: the process stops here → the account isn’t active/supported; use another supported account.
- Finish registration. The system issues a virtual-account number and your membership data. Output: a registration confirmation and the VA number for payment later.
- Pass the 14-calendar-day waiting period from when registration is validated — while BPJS verifies your data. The first premium can only be paid after these 14 days.
- Pay the first premium via the virtual account (mobile banking, ATM, e-wallet, or a minimart). Once the payment is verified, track your activation status in Mobile JKN.
The activation sequence (to avoid confusion)
The order is specific: register → 14-day wait (data verification) → pay the first premium → track activation status in Mobile JKN. During the 14-day wait, coverage is not yet active and services (including emergency-room costs) are not covered. So self-registration is not a way to get instant cover the moment you need treatment — register well before you need it.
Monthly premiums (as of July 2026)
For self-paying (PBPU) members, the monthly premium per person follows the care class and has not changed in 2026 (under Presidential Regulation 64/2020, which amended Regulation 82/2018):
| Class | Premium per person/month |
|---|---|
| Class 1 | Rp150,000 |
| Class 2 | Rp100,000 |
| Class 3 | Rp35,000 (a Rp42,000 rate minus a Rp7,000 government subsidy) |
Pay by the 10th of each month to keep your status active. Because the premium is per person, a family of four on Class 3 pays about Rp140,000 per month (4 × Rp35,000).
KRIS status (as of July 2026): the government is phasing in the Standard Inpatient Class (KRIS) to standardise inpatient rooms (legal basis Presidential Regulation 59/2024). However, a single KRIS premium has not been officially set as of July 2026, and there is no premium increase for 2026. During the transition, premiums still follow the class 1/2/3 scheme above. KRIS first changes ward standards, not the premium amount. Always check the latest figure in Mobile JKN before paying.
Special cases
Some family members are already covered by an employer (PPU)
A member already enrolled by an employer (the PPU segment, with premiums deducted from salary) stays in that segment and does not re-register as PBPU. You register only the members not yet covered as PBPU. One person cannot hold two active memberships at once.
Changing class
A class change (up or down) can only be requested after being registered for at least 1 year at the current class, at most once per calendar year, and it applies to all members on the KK. The change takes effect the following month and requires an active status with no arrears. Request it in Mobile JKN’s member-data menu.
Newborn
A newborn of an active member can be registered via the Add Member menu in Mobile JKN with a birth certificate and the parents’ data. For PBPU members, register within 28 days of birth; once registered and the premium is paid, the newborn’s coverage can activate immediately. This is an exception to the 14-day wait that applies to ordinary self-registration.
NIK fails validation
If you see “NIK invalid/not found”, your civil-registry data usually isn’t synced. Fix/activate the NIK at Disdukcapil (the local civil-registry office), then retry. Don’t force registration with unmatched data.
How to change your health facility (FKTP)
To change your FKTP (for example after moving):
- Open Mobile JKN → More Menu → Member Data Change.
- Choose the province, city/regency, and target FKTP, then Save and verify with your PIN.
- Rule: you generally must have been registered at the old FKTP for at least 3 months (exceptions for a domicile move, work assignment, or medical reason with supporting documents). The change takes effect on the 1st of the following month.
Common problems and fixes
| Symptom | Likely cause | Action |
|---|---|---|
| NIK invalid/not found | Civil-registry data not synced | Activate/fix data at Disdukcapil, then retry |
| Can’t reach the payment step | Still in the 14-day wait | Wait until the period ends; the first premium is payable only after |
| Registration stalls at auto-debit | Account inactive/unsupported | Use a supported bank account or another official auto-debit channel |
| Card still inactive after paying | Payment sync delay | Track the status in Mobile JKN; keep your payment proof; call Care Center 165 if it stays inactive |
| Family member already registered (PPU) | Covered via employer | Register only the members not yet covered |
| Status inactive from arrears | This is a reactivation, not new registration | Clear arrears; beware the service fine if hospitalised within 45 days |
| Class change rejected | Under 1 year / has arrears | Meet the 1-year minimum and clear premiums first |
Keeping your membership active
- Pay by the 10th of each month; auto-debit helps you not forget.
- A late payment carries no monthly fine, but your status goes inactive automatically from the 1st of the next month until arrears are cleared.
- Service fine: if within 45 days of reactivation you are admitted for advanced inpatient care, you owe a fine of 5% of the estimated INA-CBG package cost (based on the diagnosis and the initial procedure) × the number of months in arrears (up to 12 months), capped at Rp30 million (under Regulation 64/2020).
- For treatment, follow the tiered referral flow: start at your FKTP, except in an emergency, which can go straight to the ER.
- Keep your digital KIS card in Mobile JKN; your NIK now serves as your membership number, so showing your ID/digital card at a facility is enough.
Let Naya prepare your data
The confusing part isn’t the app — it’s getting the data right: making sure every family member is entered, choosing a class you can afford, and preparing an auto-debit account. Naya can build a personal checklist — the documents and data you need, an estimate of your total monthly premium by member count and class, and the step order in Mobile JKN. Naya does not register you: the data entry, auto-debit, and payment remain yours to do, so your account and data stay yours.
Questions that often decide your next step
Must the whole family card join?
Self-registration (PBPU) generally covers all members on one family card, and all take the same class. Members already covered through an employer (PPU) stay in that segment and are not re-registered.
When does coverage activate?
For a new self-paying member: after the 14-day wait from when registration is validated, then pay the first premium. Track your activation status in the Mobile JKN app once the payment is verified. So it is not instant on the day you register.
Can I use it immediately after registering?
No. During the 14-day wait, coverage isn’t active and services (including emergencies) aren’t covered. Register well before you need it.
What if a premium is late?
There is no monthly late fine, but your status goes inactive from the 1st of the next month. If you are hospitalised within 45 days of reactivating, a 5% service fine applies on the estimated INA-CBG package cost (based on the diagnosis and initial procedure) × months in arrears (max 12 months, capped at Rp30 million).
How do I move to a different clinic (FKTP)?
In Mobile JKN: More Menu → Member Data Change, pick the new FKTP. You usually need 3 months at the old one (unless moving domicile/work/medical with documents), and it takes effect on the 1st of the next month.
Is auto-debit mandatory?
PBPU registration now generally requires auto-debit to prevent arrears. Prepare a supported bank account before registering.
Do premiums rise in 2026?
As of July 2026 there is no increase; premiums remain Class 1 Rp150,000, Class 2 Rp100,000, Class 3 Rp35,000. The KRIS transition is proceeding in phases, but a single KRIS tariff has not been set.
Sources & review
This guide was reviewed in July 2026 against the following official sources.
- BPJS Kesehatan (membership, premiums, services)
- BPJS Kesehatan — Membership premiums (Mobile JKN) (premium per class, payment)
- BPJS Kesehatan — Auto-debit in Mobile JKN (auto-debit requirement and setup)
- BPJS Kesehatan — Change care class (Mobile JKN) (1-year rule, effective next month)
- Presidential Regulation No. 64 of 2020 (premium amounts; 5% service fine on the estimated INA-CBG package cost × months in arrears, max 12 months, Rp30 million cap)
- Presidential Regulation No. 82 of 2018, Article 15 (the 14-day wait for new members) and Presidential Regulation No. 59 of 2024 (legal basis for KRIS)
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