The Importance of Having BPJS Kesehatan for Indonesian Citizen

05 Sep 2023
Redaksi Liveaman
3 Mins

The Importance of Having BPJS Kesehatan in Indonesia

BPJS Kesehatan is a national health insurance program managed by the BPJS Kesehatan. The program provides benefits to the Indonesian people, especially in terms of health. Here are some reasons why having BPJS Kesehatan is very important in Indonesia:

Almost all diseases are covered by BPJS Kesehatan.
Affordable monthly membership fees.
Most doctor and hospital fees are covered.
BPJS Kesehatan is for life.
Provides protection for outpatient and inpatient costs when experiencing illness.
Provides equal opportunities to access health facilities.

Despite having excellent benefits, BPJS Kesehatan also has some shortcomings that need to be known, such as:

Must fulfill the referral system.
Only valid in Indonesia.
Long waiting process.
Some disease services are not covered.

However, despite its shortcomings, BPJS Kesehatan remains a good choice for obtaining affordable and extensive health protection in Indonesia. In addition, the Indonesian government also requires all citizens to be registered in BPJS Kesehatan. Therefore, having BPJS Kesehatan is very important for the Indonesian people to get better and more affordable health access.

Benefits of BPJS Kesehatan

Affordable Health Protection

BPJS Kesehatan provides affordable health protection for the Indonesian people. The monthly membership fee for BPJS Kesehatan is very affordable, so that everyone can obtain the same health protection without having to worry about expensive costs.

Covers Almost All Diseases

BPJS Kesehatan covers almost all types of diseases, including chronic diseases such as diabetes, hypertension, and cancer. This is very helpful for the Indonesian people who need intensive and sustainable health care.

Provides Lifetime Protection

BPJS Kesehatan provides lifetime protection for its members. This is very important for the Indonesian people who need health care throughout their lives.

Provides Equal Opportunities to Access Health Facilities

BPJS Kesehatan provides equal opportunities for everyone to access the same health facilities. This is very important for the Indonesian people who live in remote or poor areas and have difficulty accessing adequate health care.

BPJS Health Facility Levels

In BPJS Kesehatan membership, there are three levels of contribution fees from the smallest to the largest. The amount of this fee will affect the difference in BPJS Kesehatan facilities that will be obtained by members when using their claims when seeking treatment or being treated in hospitals. According to Presidential Regulation number 64 of 2020, it is stated that the class for non-wage workers (PBPU) and non-workers (BP) consists of three classes, namely class 1, 2, and 3. Here are the differences in BPJS Kesehatan facilities based on contribution class:

Class 1

Administrative services.
Medical examination, treatment, and consultation.
Pre-medical.
Class 1 inpatient care.
Medical procedures and surgery.
Dental and oral health services.

Class 2

Administrative services.
Medical examination, treatment, and consultation.
Pre-medical.
Class 2 inpatient care.
Medical procedures and surgery.
Dental and oral health services.

Class 3

Administrative services.
Medical examination, treatment, and consultation.
Pre-medical.
Class 3 inpatient care.
Medical procedures and surgery.
Dental and oral health services.

Shortcomings of BPJS Kesehatan

Must Fulfill the Referral System

BPJS Kesehatan requires members to fulfill the referral system. This can slow down the treatment process and take a long time.

Only Valid in Indonesia

BPJS Kesehatan is only valid in Indonesia. This can be a problem for the Indonesian people who often travel abroad and need health care abroad.

Long Waiting Process

The waiting process in hospitals that work with BPJS Kesehatan often takes a long time. This can disrupt the daily activities of BPJS Kesehatan members.

Some Disease Services are Not Covered

BPJS Kesehatan does not cover some types of diseases. This can be a problem for BPJS Kesehatan members who need treatment for diseases that are not covered.

Also read: BPJS and Faskes 1: Meaning, Difference, and Benefit

Conclusion

BPJS Kesehatan is a national health insurance program that provides benefits to the Indonesian people. Despite having shortcomings, BPJS Kesehatan remains a good choice for obtaining affordable and extensive health protection in Indonesia. Therefore, having BPJS Kesehatan is very important for the Indonesian people to get better and more affordable health access.

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