Discover the various main benefits of BPJS Kesehatan, from affordable contribution fees to complete health services without time limits.
BPJS Kesehatan has become one of the main solutions in providing affordable and equitable access to health services in Indonesia.
This program aims to ensure that all levels of society can obtain health services at a cost that is not burdensome. Here are 10 main benefits of BPJS Health that you should know.
1. Affordable Contribution Fees
One of the main reasons many people choose to join BPJS Kesehatan is the very affordable contribution fees. With a social health insurance-based payment system, people do not need to spend large amounts on medical expenses because almost all costs are covered by BPJS.
Referring to Presidential Regulation Number 64 of 2020, the amount of BPJS Kesehatan contribution is IDR 150,000 for class 1, IDR 100,000 for class 2, and IDR 35,000 for class 3 per month.
With this very affordable rate, BPJS Kesehatan provides easy access for the public to get health protection without having to worry about burdensome costs.
2. Suffer from various diseases
BPJS Kesehatan has a very broad coverage in terms of diseases covered. There are more than 144 types of diseases that can be treated through BPJS Kesehatan, ranging from chronic diseases such as diabetes, hepatitis, tuberculosis, to dental and oral services.
Participants can obtain services such as doctor consultations, medical administration, and even surgery costs, without having to worry about medical costs. Thus, BPJS Kesehatan helps ease the financial burden of participants when facing various illnesses, from mild to serious illnesses.
3. Access to Basic Health Services
Another major benefit of BPJS Kesehatan is broad access to basic health services. This program allows participants to receive routine check-ups, general medical treatment, and immunizations at no additional cost.
These basic health services are very important for disease prevention, such as vaccinations and annual health checks, which can reduce the risk of serious illnesses in the future. This makes BPJS Kesehatan very supportive of creating a healthy lifestyle for the community.
4. Inpatient Care
BPJS Kesehatan also covers the costs of inpatient care in hospitals, whether in class 3, class 2, or class 1, according to the participant’s membership class. Inpatient care includes the cost of the room, food, medicines, and other medical services needed while the patient is hospitalized.
This is very helpful for people in dealing with hospital costs which are often very high, especially in emergency situations or when someone needs long-term hospitalization.
5. Operations and Surgical Procedures
One of the major benefits of BPJS Kesehatan is that it covers the costs for various types of operations, both major and minor, and both emergency and elective. This includes surgical procedures that require hospitalization as well as post-operative follow-up care.
BPJS Kesehatan participants can undergo surgery at hospitals that cooperate with BPJS without having to pay large fees. This is a solution for people who need surgical care but are limited by costs.
6. Easy Contribution Payment System
BPJS Kesehatan contribution payments can be done very easily through various payment channels. You can pay through BPJS branch offices, transfer via mbanking or ATMs that cooperate with BPJS such as BRI, BNI, BCA, BTN, Mandiri, as well as payments through minimarkets such as Alfamart and Indomaret.
This flexible payment system provides convenience for participants to fulfill their contribution payment obligations in the easiest and most practical way.
7. Without Medical Check-Up
Unlike private health insurance that often requires participants to undergo a medical check-up or previous health examination, BPJS Kesehatan does not apply such requirements.
You simply complete the required documents and pay the contribution, then you can become a BPJS Kesehatan participant, regardless of your age or health condition.
With this easy system, people from various backgrounds can quickly get health protection without having to worry about complicated procedures.
8. Lifetime Guarantee
BPJS Kesehatan provides lifetime health insurance for its participants, which means that you will continue to receive health protection throughout your life without any time limits.
Unlike private insurance that may limit the coverage period, BPJS Kesehatan guarantees that protection will remain as long as the participant actively pays contributions, unless the participant dies.
This provides a sense of security and long-term protection for the entire family.
9. Without Pre-Existing Conditions
BPJS Kesehatan does not enforce pre-existing condition provisions, which means that participants can submit claims for pre-existing illnesses without any waiting period or exceptions.
This is different from many private insurances which require participants to wait for a certain period of time before they can claim their insurance benefits.
Thus, BPJS Kesehatan is very helpful for those who have a history of certain diseases or medical conditions, because they can immediately get protection without worrying about existing diseases.
10. Benefits of Referrals and Specialist Services
As a BPJS Kesehatan participant, you are entitled to receive referral services and advanced care benefits. BPJS Kesehatan provides access to hospitals or health facilities that offer specialist and subspecialist services, ranging from advanced outpatient care to inpatient care in special care rooms.
This service provides convenience for participants to get more in-depth medical care according to their health needs. Hospitals that work with BPJS have trained medical personnel and adequate facilities to treat patients with more complex medical conditions.
BPJS Kesehatan provides many very important benefits for the people of Indonesia. From affordable premiums, wide coverage of diseases, to easy payment systems and access to health services, BPJS Kesehatan plays an important role in ensuring that everyone can get proper medical care without being burdened by high costs.
Other benefits such as lifetime coverage, no pre-existing conditions, and no medical check-up procedures provide BPJS Employment with distinct advantages compared to private health insurance.
With all the benefits offered, BPJS Kesehatan helps Indonesian people to obtain better and more accessible health protection.
