BPJS health insurance

When the Government launched a program of health insurance which is enclosed under social security governing body (BPJS) in Indonesia, many think the program will "menus" culture private health insurance companies in the country.

But it turns out these thoughts include one because the products of private health insurance are still sought after. There are even people who become participants of the BPJS and private health insurance at the same time!

The following Nine key points of difference that underlies the BPJS program health and private health insurance. Maybe it could be a consideration for you what would remain loyal to the private health insurance, or the BPJS, or even both.

1. Premium Magnitude
Premiums for private insurance is quite expensive and difficult to reach among the Middle down. Participants must pay a premium for health insurance to hundreds of thousands of dollars per month and it also depends on the type of health insurance which is taken and from which insurance companies. Premiums are paid within a period of 1 month, 3 months, 6 months or 1 year.


Mere information:

• The more old age participants then the premiums will be more expensive.

• Premiums also will be more expensive if the insured participants is a smoker.

• There is a difference in price premiums for participants of both men and women

• BPJS

Dues for the BPJS health including very cheap and affordable. For workers, the majority of dues were paid by the company, while for the veterans and the poor, BPJS dues paid in full by the Government.

Meanwhile, for nonformal workers such as merchants, fishermen, unemployment, or freelancers, BPJS dues are also very affordable because they could pay at least Rp 25,500 dollars per month for the treatment of class III at the hospital.

Oh yes, this pulled BPJS dues every month and there is a fine of 2 percent of the total dues if You pay late.

Other information:

• There is no difference between dues magnitudes participants young and old

• There is no difference between the participants that premiums magnitudes smokers and not smokers there is no difference in magnitude between the participants that premiums for men and women

2. In terms of the Benefits
The majority of health insurance provides benefits for hospitalization, surgery, such as ambulances, medicine, death, doctor visits and activities related to patient care at the hospital. There are also facilities that offer outpatient insurance once admitted, and it is indeed a package with hospitalization.

Want insurance for outpatient payment help? Well, you are required to pay some premium again and it was pretty expensive. Besides health insurance does not give facilities for dental, optical, and pregnancy.

Arguably the BPJS has the benefit of fairly complete health facilities. In addition to the inpatient, outpatient also received the BPJS, optical, dental, and pregnancy.

Interestingly again BPJS benefit for promotion and preventive services such as counseling, immunization, and family planning. In addition, there are benefits like nonmedical ambulances. Arguably the BPJS benefits provided more complete than private health insurance.

3. The ceiling
There are restrictions limit the benefits that cool called the insurance ceiling. For example, You can be treated in a hospital and are covered by insurance for the maximum limit of hospitalization that is already approved. So are the costs of inpatient care such as doctor visits, surgery, laboratory and have insurance cover cost limit. If you exceed the limit, you must pay for itself. Calculating the ceiling on private health insurance there are two that are based on a per-disease which have no restrictions, or time-based, such as the annual ceiling.

There is no limit on the ceiling. All costs are borne by the BPJS and participants just need to follow a number of procedures already determined include treated in outpatient spaces corresponding to the dues they pay. Anyway, the BPJS would pay for patient treatment until he recovers properly. Additional charges will be asked the hospital if the patient wants to move to a more desirable room of a higher class or the purchase of a number of drugs that are not borne by the BPJS.

4. Congenital Diseases
In health insurance, there will be a medical checkup to see if the prospective participants suffer from congenital diseases such as heart, blood sugar, and others. This is called a pre-existing condition. Check up also will be made to all members of the family of the insured in health insurance.

Well if it turns out that there are potential participants of the innate disease insurance, usually the disease will not be covered by health insurance. But there is also a congenital disease that bears the insurance it provided participants also become participants in insurance for two years may not necessarily be an alias. This means that the claims for diseases that can be paid out after two years.