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BPJS He alth is the mainstay of the Indonesian people to obtain adequate he alth services and of course at affordable prices. Not only that, there are various facts about BPJS He alth that you also need to know
The current social security system in Indonesia is administered by the Social Security Administration or BPJS He alth through the National He alth Insurance Program - He althy Indonesia Card (JKN-KIS).
Through this program, the government wants to ensure that all Indonesian people are protected by comprehensive, fair and equitable he alth insurance. BPJS He alth also provides a special contribution assistance program for the poor so that they are not burdened with the cost of contributions.
The BPJS He alth program must be followed by all Indonesian citizens and foreign nationals who have been in Indonesia for a minimum of 6 months. Contributions are paid according to the level of benefits obtained.
Facts about BPJS Kesehatan
To get maximum BPJS service, here are some facts about BPJS He alth that you need to know:
1. Bearing various types of diseases
Unlike private insurance which generally has limitations and conditions for several types of diseases, BPJS Kesehatan is designed to cover all types of diseases. This program covers all BPJS members from all age levels and all levels of disease severity.
The amount of premium paid every month is not based on age, medical history, or level of illness, but based on the he alth facilities enjoyed. This facility is divided into class I, class II, and class III.
2. Apply tiered procedure
He alth BPJS applies a tiered referral pattern, so that participants cannot freely check themselves to the hospital or he alth facility. Participants are required to go through a predetermined stage.
First, participants must seek treatment at a first-level he alth facility, namely a puskesmas, clinic, or individual practicing doctor who has collaborated with BPJS.
If the he alth facility does not have adequate facilities to carry out treatment, the participant will be referred to a higher he alth facility, such as a hospital.
3. Cover the cost of medical treatment and laboratory tests
The cost of treatment and laboratory examinations for laboratory examinations are also included in the BPJS He alth service. Participants do not need to pay for the service again, as long as it is in accordance with the applicable BPJS He alth procedures or provisions.
BPJS will not bear the cost of supporting examinations at the request of the participants themselves without indications or not in accordance with the diagnosis of the disease given by the doctor.
4. Allows participants to change classes for an additional fee
Participants of BPJS Kesehatan can request a treatment class that is higher than the rights they have, as long as the requested class is available at the he alth facility. However, an additional fee will be charged to participants who decide to take the treatment class.
Besides, please note that upgrading the maintenance class cannot be done two levels higher. For example, BPJS class III participants can only advance to class II and not class I.
5. Requires a high level of patience
The limitations of hospitals or he alth facilities that work with BPJS, make BPJS He alth participants often have to queue to get services. However, now there are more doctors and hospitals serving BPJS He alth participants.
It is important to learn the procedure for obtaining optimal services from BPJS Kesehatan. In addition, don't forget to fulfill the obligation to pay premiums every month so that there are no obstacles during treatment.
If you experience various he alth complaints, don't hesitate to consult a doctor at the nearest he alth facility. You no longer need to spend a lot of money because almost all of it is covered by BPJS Kesehatan.