Saturday, May 12, 2012

How the Future of Private Health Insurance After BPJS?

On January 1, 2014, Social Security Administering Agency (BPJS) is expected to be operational. BPJS This will ensure all Indonesian people can access basic health services. In BPJS, all previous public health insurance programs will merge into one, including Askes, Jamkesmas, Social Security and Jampersal.

Government of Indonesia plans to require all residents to participate BPJS by paying monthly dues. Whose contributions range may be about USD 15000-27000 per month, but has not been determined because it is still awaiting discussion. Because this program is not profit oriented, so if the number of excess or considered objections could still face down again.

For people who already have private insurance, wamenkes urged not to worry because BPJS intended to cover basic health services. People who have private insurance can choose the treatment to other hospitals that are better suited to their financial capabilities.

"People who already have private insurance still have to go BPJS to meet basic health needs. BPJS point is mutual cooperation, a healthy helping the sick, the rich helping the poor and the young helping the old," said Ghufron Mukti Ali, Deputy Minister of Health in a press conference on the implementation of the Ministry of Health BPJS, Friday (11/05/2012).

Wamenkes BPJS plan will work closely with private insurance so that participants BPJS not have to pay 2 times for health insurance. As for people who can not afford for that reason can not be paid for by the government.

In this program, each participant may enroll their family members through dues paid by the participants. The participants will be borne by any treatment, including an expensive operation as the operation of heart failure and chronic renal failure.

But there are also a limited health services such as eyeglasses should not change every 2 years. Types of health services that are not caused by disruption of bodily functions would not be guaranteed. Examples surgery for plastic surgery for cosmetic reasons.

Currently, the government focused on residents who do not have health insurance at all. For example, poor, poor pre and residents who do not have a fixed wage.

"We have guaranteed Jamkesmas 76.4 million. In 2013 we added 10 million more people will be paid by the government budget. Total membership became the focus of the government because our resources are limited," said Wamenkes.

Government focus on Jamkesmas because of poor communities is still less than optimal use. Moreover, the poor are still not aware of new health and see a doctor or health care center when the pain got worse. So no wonder if the cost of hospitalization in patients Jamkesmas greater.

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