Check Your BPJS Dues Online: 6 Easy Ways Before the Amnesty!

The Indonesian government, through the Coordinating Ministry for Community Empowerment (KemenkoPM), is set to implement a significant policy to clear outstanding arrears for the Social Security Administering Body for Health (BPJS Kesehatan). This comprehensive program, often referred to as a “debt relief” or “arrears clearance” initiative, is scheduled to commence by the end of 2025.

This BPJS Kesehatan debt relief initiative underscores the government’s commitment to alleviating the financial burden on its citizens. Beyond simply removing outstanding fines, the program aims to ensure that all members continue to have seamless access to essential healthcare services, thereby reinforcing the principle of universal health coverage across the nation.

To support this crucial undertaking, the Ministry of Finance has already provisioned approximately Rp 20 trillion within the 2026 State Budget (APBN). It is important for participants to note that BPJS Kesehatan will specifically clear arrears accumulated over a maximum period of 24 months, or two years, under this new policy.

Before this significant policy comes into effect, it is highly recommended that every BPJS Kesehatan participant diligently verify their current payment status to determine if they have any outstanding arrears. Fortunately, checking your BPJS Kesehatan arrears is a straightforward process, readily accessible through official applications and customer service channels.

Also read:

• BPJS Kesehatan Arrears to Be Cleared This Year; Participants Must Re-register
• Categories of BPJS Kesehatan Participants Whose Outstanding Contributions Will Be Erased
• Understanding 9 Ways to Check BPJS Kesehatan Bills to Avoid Late Payments

How to Check BPJS Kesehatan Arrears

BPJS Kesehatan Illustration (BPJS Kesehatan)

Checking your BPJS Kesehatan premium arrears online is conveniently possible through multiple platforms, including the Mobile JKN application, WhatsApp Pandawa, the Care Center, and even various e-commerce platforms. Before you begin the checking process, ensure you have your National Identity Number (NIK) or your BPJS Kesehatan participant card number readily at hand.

Here are several simple and swift methods to check your BPJS Kesehatan arrears online:

1. How to Check BPJS Kesehatan Arrears via the Mobile JKN Application

Follow these detailed steps to check your BPJS Kesehatan arrears using the official Mobile JKN application:

• Download the Mobile JKN application from the Google Play Store or Apple App Store.
• Once successfully downloaded and installed, open the application and log in using your NIK or your BPJS Kesehatan participant card number along with your password.
• Select the “Other Menus” (Menu Lainnya) option on the main page, then proceed to click on “Contribution Information” (Info Iuran).
• The system will then promptly display a detailed breakdown and the total amount of your membership contribution arrears.

2. How to Check BPJS Kesehatan Arrears via WhatsApp Pandawa

BPJS Kesehatan participants can also conveniently check their outstanding contribution amounts through the dedicated Pandawa service, which is easily accessible via WhatsApp at the number 0811-8-165-165. This service operates from Monday to Friday, between 08:00 AM and 04:00 PM local time.

Here’s how to check your BPJS Kesehatan arrears using WhatsApp Pandawa:

• Initiate a chat by sending any message to Pandawa, such as “Hello” or a similar greeting.
• From the options provided, choose the “Information” menu.
• Next, click on the “Check Payment Status” (Cek Status Pembayaran) option.
• Enter your National Identity Number (NIK) or your BPJS Kesehatan number as prompted.
• Subsequently, send a message containing your date of birth in the specific format of year-month-day (for example: 1995-04-01).
• Pandawa will then send you comprehensive information, including the participant’s name, the total bill amount, and your current payment status.

3. How to Check BPJS Kesehatan Arrears via the BPJS Kesehatan Care Center

Participants also have the option to check their BPJS Kesehatan arrears by directly contacting the BPJS Kesehatan Care Center. The BPJS Kesehatan Care Center 165 provides an informative service facilitated by its JKN voice interactive machine (VIKA), ensuring easy access to information.

Through the Care Center 165 system, participants can inquire about the precise amount of their outstanding JKN-KIS program contributions. Here’s how to check your BPJS Kesehatan arrears via the BPJS Kesehatan Care Center:

• Contact the BPJS Kesehatan call center by dialing 165.
• You will be prompted to enter your BPJS Kesehatan participant number (noka) or your National Identity Number (NIK) along with your date of birth.
• Clearly state your intention to inquire about the amount of your outstanding contributions to the agent or automated system.

4. How to Check BPJS Kesehatan Arrears via E-Commerce

The public can also conveniently check their BPJS Kesehatan arrears through popular e-commerce applications, such as Tokopedia and Shopee. Here’s how to check your BPJS Kesehatan arrears using an e-commerce platform:

• Open either the Tokopedia or Shopee application on your device.
• Select the “Pulses, Bills & Tickets” (Pulsa, Tagihan & Tiket) menu, typically found on the main page.
• Click on the “BPJS” option and then enter your NIK or your BPJS Kesehatan participant number.
• Tap “Lanjutkan” (Continue) to proceed.
• The application will then clearly display the amount of contributions that are due.

5. How to Check BPJS Kesehatan Arrears via M-Banking

Several mobile banking (m-banking) applications offered by various banks provide dedicated services to view BPJS Kesehatan contribution arrears. Here’s how to check your BPJS Kesehatan arrears through a mobile banking application:

• Select the “Bills” (Tagihan) menu within your mobile banking app.
• Tap on the “BPJS” option.
• Click on “New Payment” (Pembayaran Baru).
• Choose the “BPJS Fines” (BPJS Denda) option.
• Enter your BPJS Kesehatan participant number (noka).
• Tap the “Lanjutkan” (Continue) button to view the total outstanding bill amount.

6. How to Check BPJS Kesehatan Arrears via E-Wallet

A number of e-wallet or digital wallet applications also offer services for checking the bill amount for the JKN-KIS program contributions, with GoPay being a prominent example. Here’s how to check your BPJS Kesehatan arrears using GoPay:

• Log in to your GoPay application.
• Select the “Bills & Pulses” (Tagihan & Pulsa) menu.
• Choose the “BPJS” option, then tap “Lanjut” (Continue).
• Select the “BPJS Fines” (BPJS Denda) service.
• Enter your Customer ID, then click “Lanjut” (Continue).
• The system will then display the amount of your BPJS Kesehatan contribution arrears.

These six comprehensive methods provide clear pathways for participants to check their BPJS Kesehatan arrears online before the significant debt relief program officially commences at the end of 2025.