Scooter Accident in Bali: Jasa Raharja & BPJS Claims Explained
By the SiapPergi Editorial Team · Published 14 October 2026 · 7 min read
Nobody plans to have an accident on holiday. But if it happens, knowing your rights makes hospital bills much lighter. Domestic travellers often don't know that road-accident victims in Indonesia — including in Bali and including on a rental scooter — can receive compensation from Jasa Raharja, and that BPJS Kesehatan has special rules for traffic accidents. This article explains how it works in simple terms.
Who does Jasa Raharja cover?
Jasa Raharja runs Indonesia's compulsory road-accident fund under Law 34/1964. The money comes from a mandatory contribution paid together with vehicle tax (the SWDKLLJ line on the STNK). The basic principle: it covers the victims of accidents involving motor vehicles, not the party who caused the accident.
| Situation | Usually covered? |
|---|---|
| Rider hit by another vehicle | Yes, as a victim |
| Passenger injured | Yes, as a victim |
| Pedestrian hit by a scooter | Yes |
| Single-vehicle crash (fell on your own), rider at fault | Usually not |
| Two scooters collide, you're found at fault | Usually not for the party at fault; victims on the other side are covered |
Who caused the accident and who is the victim is determined by the police report. That's why reporting to the Unit Laka Lantas is so important.
Jasa Raharja compensation amounts
| Type of compensation | Maximum (PMK 16/PMK.010/2017) |
|---|---|
| Death | Rp50,000,000 |
| Permanent disability | Up to Rp50,000,000 (by percentage) |
| Treatment costs for injuries | Up to Rp20,000,000 |
| First aid costs | Up to Rp1,000,000 |
| Ambulance | Up to Rp500,000 |
| Funeral (if there are no heirs) | Rp4,000,000 |
These amounts have applied since 2017; always check with a Jasa Raharja office or official channel for the latest information.
The role of BPJS Kesehatan
For traffic accidents, BPJS Kesehatan acts as the secondary insurer: if treatment costs exceed Jasa Raharja's Rp20 million limit, BPJS Kesehatan can cover the rest according to its procedures. If the accident isn't covered by Jasa Raharja (a single-vehicle crash, for example), active BPJS members can still be covered by providing the required documents, such as a police report or a statement letter from Jasa Raharja. Make sure your BPJS membership is active before you travel.
Steps after an accident
- Secure yourself and the victims. Move the scooter aside if it's safe, switch on the hazard lights, and call an ambulance or the police. Key numbers are in emergency numbers for scooter riders in Bali.
- Take the victim to the nearest hospital; many hospitals are already connected to the Jasa Raharja system.
- Report to the police (the local Polres/Polresta traffic accident unit, Unit Laka Lantas) — this report is the basis of any claim.
- Document everything: photos of the scene, the vehicles, plate numbers, the other parties' IDs and contacts, and witnesses.
- Tell the scooter rental if you're on a rental. Damage to the scooter isn't Jasa Raharja's business; follow your rental agreement — see deposits, insurance & damage on rental scooters.
- File the claim with Jasa Raharja using the victim's ID, the police report and the hospital receipts/statement. For BPJS, follow the BPJS officer's instructions at the hospital.
What about rental scooters?
A victim's right to compensation doesn't depend on who owns the scooter: a rental scooter with a valid STNK and paid-up tax is treated the same as a private one. What's different is damage to the scooter — that's between you and the rental under your agreement. So before you ride, make sure the STNK is there and the tax is current (check a rental scooter's STNK and plates), and that you carry a valid SIM C.
Foreign tourists
Foreign tourists should rely on travel insurance that covers licensed motorbike riders. Many policies reject claims if the rider has no motorcycle licence and International Driving Permit. An English guide is available on our sister site: how to get an IDP for Bali.
Keep photos of your KTP, BPJS card, SIM and the rental scooter's STNK on your phone. When you're panicking after an accident, having complete documents speeds everything up.
Conclusion
Jasa Raharja covers road-accident victims — up to Rp20 million in treatment costs and Rp50 million for death or permanent disability — while BPJS Kesehatan acts as the follow-on insurer. The key is a police report and complete documents. Better still, prevent accidents with safety tips for riding a scooter in Bali and a well-maintained rental from scooter rental in Bali.
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Frequently asked questions
Does Jasa Raharja cover accidents on a rental scooter in Bali?
Yes, road-accident victims can still receive compensation even if the scooter is rented, as long as the conditions are met and there's a police report. Damage to the scooter isn't covered by Jasa Raharja.
How much does Jasa Raharja pay for hospital costs?
Up to Rp20 million for treating injuries, and up to Rp50 million for death or permanent disability, under PMK 16/PMK.010/2017.
Are single-vehicle crashes covered by Jasa Raharja?
A rider who causes a single-vehicle crash is generally not covered. A passenger who is injured can be covered.
Does BPJS Kesehatan cover traffic accidents?
Yes, as the secondary insurer after the Jasa Raharja limit, or when the accident isn't covered by Jasa Raharja, provided you supply documents such as a police report.
What documents do I need for a Jasa Raharja claim?
The victim's ID, a police report from the Unit Laka Lantas, and a hospital statement or receipts. Officers may ask for additional documents.
This article follows the SiapPergi editorial policy: facts are checked, prices are given as ranges, and mistakes are corrected. Spotted something wrong? Report a correction.