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Monday, December 30, 2013

Health insurance benefits in Indonesia

Health insurance benefits in Indonesia


President Susilo Bambang Yudhoyono on Tuesday morning operation dmeresmikan Social Security Agency ( BPJS ) also launched a national health insurance program ( JKN ) at the Bogor Palace in West Java ..

Health insurance benefits to be gained from this system is a personal service and are also services that include rather than preventive , curative and rehabilitative including drugs and medical consumable materials are required . Where the participants will receive medical care by following procedures.

Just as in following tiered referral system , as for use in healthcare facilities include facilities JKN primary , secondary and tertiary , both public and private collaboration with BPJS , benefits consisting of medical and non- medical ( accommodation and ambulance ) .

JKN is characterized by the operation of the Social Security Agency ( BPJS ) Health , which is an implementation of the enactment of Law No. 24 of 2011 on BPJS and Act No. 40 of 2004 on Social Security .

There are two groups of participants who maintained that health BPJS Participants Beneficiaries Contribution ( PBI ) and PBI Non Participants comprised of civil servants ( PNS ) , members of the Indonesian Armed Forces ( TNI , Police , employees of private companies , as well as self-employed .

National Social Health Insurance Scheme is one of the collateral held BPJS . Health insurance is given not only at the time of having a chronic disease such as heart disease or cancer , but also include prevention efforts , such as immunization .

Besides health insurance services can be received at various hospitals, whether public or private , if the contract has been signed . Where the quality of services provided equally to every person does not depend on the size of contributions , so that poor people do not have to worry gets different treatment .

As we know that health insurance coverage is just as PT Indonesian Health Insurance ( Askes ) , Social Security Workers (Social Security ) , Social Insurance Indonesian Armed Forces ( Asabri ) , Savings and Insurance Servants ( TASPEN ) all of which were entered the part of health insurance coverage in Indonesia, not including private ones .

All citizens of Indonesia is required to be a participant JKN including foreign nationals who have been living in Indonesia for more than 6 months and must pay dues to BPJS , for those who can not afford tuition paid by the government ( PBI ) which participants set by the government . The concept BPJS dues for workers and civil servants is 3 percent paid by the employer ( company ) and 2 percent on workers themselves , for a total of 5 percent based on wages .

Legal Basis JKN .
On which the foundation and legal basis of national health insurance is the Law - Law No. 40 of 2004 on the national social security system ( Social Security ) , Act No. 24 of 2011 of the Social Security Agency ( BPJS ) , Regulation No. 101/2012 contribution of Beneficiaries ( PBI ) , Presidential Decree No. 12/2103 on National Health Insurance , the Roadmap JKN , health service development action plan , Minister of Health , Regulation BPJS .

Role of Central and Local Government in Health Care Financing in the financing of such operations will be financed health facilities from the health insurance fund , but the transition to regional health care system facilities still require operational subsidies from local governments .

While Askes who supervised the center will remain the responsibility of the Central Government . Availability and fulfillment of needs , including distribution of health human resources is the responsibility of central and local . Ministry of Health ( center ) will focus on setting including guidelines , standards and balancing the budget by fiscal area .

Similarly, some issues related to the information about the National Health Insurance and Social Security Agency ( BPJS ) . And also hopefully the National Health Insurance program of the Ministry of Health at the national and compulsory for all Indonesian citizens can run smoothly and successfully . And benefits will be directly felt by the people of Indonesia ..


Government ensure operational implementation Implementing Social Security Agency ( BPJS ) Health from January 1 . To that end , a variety of supporting activities continue to be prepared .

One is the determination of membership dues formal workers , who agreed to 5 percent of salary . Of that amount , as much as 4 percent to employers' liability , and 1 percent to the obligations of the workers themselves . With the dues , workers and their families obtain health insurance .

For the informal sector , the amount of premium contributions borne by workers themselves who dibayarsetiap month . If workers want to get layanankesehatan in class III , the amount of contributions to Rp 25,000 , Rp 42,500 class II and class I Rp 59,000 per month .

Chairman of the National Social Security Council ( DJSN ) Chazali Husni Situmorang said , the amount of contributions it had received approval from all parties Coordination Meeting ( Rakor ) in the Ministry of Public Welfare .

He acknowledged , there are obstacles that previously certainty formal division of labor dues portion . "It's already been decided , so it could be published , " he said on Thursday ( 07/11/2013 ) .

 This derivative rules stipulated in Presidential Regulation on the amount of health insurance contributions . The target , the rule came out in August 2013. This regulation will also set dues besran Contribution Recipient ( PBI ) is Rp 19 225 per person per month .


BPJS and the National Health Insurance Program will begin operating on January 1, 2014 . Previous time to hold a cabinet meeting to discuss the readiness BPJS , the President instructed all the operational elements to prepare as well as possible .

" Therefore , my instructions to all parties , both the central government , local government , health BPJS , hospitals and all health care facilities to implement programs for the success of this significance , " he said at a press conference after a cabinet meeting at Bogor Palace , Monday ( 30/12 ) .
BPJS was launched on December 31, 2013 by President Susilo Bambang Yudhoyono and officially enacted on January 1, 2014 .

BPJS This is the mandate of the Law 40/2004 on National Social Security System and the Law 24/2011 on BPJS .

He added that the government has allocated Rp19 , 9 trillion in Budget 2014 to 86.4 million health insurance for the poor and underprivileged . In addition , more than 35 million civil servants , police officers and employees of state-owned companies have joined in the program .

So there are a total of 121.6 million people who joined and are still around 125 million people who have not been included in this program .

Government ensure operational implementation Implementing Social Security Agency ( BPJS ) Health from January 1 . To that end , a variety of supporting activities continue to be prepared .

One is the determination of membership dues formal workers , who agreed to 5 percent of salary . Of that amount , as much as 4 percent to employers' liability , and 1 percent to the obligations of the workers themselves . With the dues , workers and their families obtain health insurance .

For the informal sector , the amount of premium contributions borne by workers themselves who dibayarsetiap month . If workers want to get layanankesehatan in class III , the amount of contributions to Rp 25,000 , Rp 42,500 class II and class I Rp 59,000 per month .

Chairman of the National Social Security Council ( DJSN ) Chazali Husni Situmorang said , the amount of contributions it had received approval from all parties Coordination Meeting ( Rakor ) in the Ministry of Public Welfare .

He acknowledged , there are obstacles that previously certainty formal division of labor dues portion . "It's already been decided , so it could be published , " he said on Thursday ( 07/11/2013 ) ..
The plan , the derivative rules will be stipulated in Presidential Regulation on the amount of health insurance contributions . The target , the rule came out in August 2013. This regulation will also set dues besran Contribution Recipient ( PBI ) is Rp 19 225 per person per month

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