Dear Sir ,

Based on PRESIDENTIAL REGULATION OF THE REPUBLIC OF INDONESIA NUMBER 82

OF 2018 CONCERNING HEALTH INSURANCE. The second part of paragraph 1
article 6 states that “every Indonesian citizen must participate in the health
insurance program.”

Based on this regulation there are two kinds of BPJS (Health Insurance) that you’ve paid
monthly consist of :

1) BPJS Kesehatan (BPJS Health)

2) BPJS Ketenagakerjaan (BPJS Employment)

The benefit of being a member of these 2 program in short explained below :

Benefit BPJS Kesehatan (BPJS Health)

1. Benefits of services at health facilities

BPJS Kesehatan participants are entitled to First Level Health Services (PKTP),
which are non-specialist individual health services including: general
practitioners, dentists, first clinics or Puskesmas, and primary class D hospitals
or equivalent.

2. Outpatient benefits

The benefits of BPJS Health for outpatient care are called First Level Outpatient
(RJTP). These treatments include immunizations, family planning programs, and
improved health for participants with chronic diseases.

3. Benefits of BPJS Health inpatient

Inpatient benefits at BPJS Kesehatan are called First Level Inpatient (RITP)
which is similar to outpatient at health facilities in collaboration with BPJS
Kesehatan and government-owned health facilities.

Benefit BPJS Ketenagakerjaan (BPJS Employment)

1. Old Age Insurance

Old Age Insurance (JHT) is a protection program in the form of cash that is paid
at once when participants enter retirement age, die, or experience permanent
total disability. The amount of cash that will be received is the accumulation of
all dues that you have paid and added to the results of development during your
time as a BPU participant.

In addition, you can also partially disburse JHT balances with a maximum value
of 10% of your total balance in preparation for retirement, or a maximum of 30%
 of your total balance for home ownership needs if you have been a participant of
BPJS at least 10 years (can only be taken 1x).

2. Work Accident Insurance

Work Accident Insurance (JKK) is a protection program in the form of cash

and/or medical coverage provided when participants experience work accidents
or illnesses caused by the work environment.

For example If you have an accident while driving as an ojol driver, you can get
medical coverage and/or treatment according to the medical needs set by the
doctor. If total disability remains, you will also get help in the form of:

- cash worth 56x wages; and

- Temporary compensation for being unable to work at 100% of wages for

the first 12 months, then 50% of wages in the 13th month until recovered.

3. Death Insurance

Death Insurance (JKM) is a cash protection program given to the participants'

heirs which is given when the participant dies not due to a work accident.

The total value of benefits to be received includes death benefits, funeral costs,
and periodic compensation for 24 months paid at once worth Rp42 million. In
addition, the heirs of BPU program participants will also get a maximum
scholarship benefit of Rp174 million for 2 children.