Discover the various main benefits of BPJS Kesehatan, from affordable contribution fees to complete health services without time limits.
BPJS Kesehatan, as one of the largest health insurance programs in Indonesia, provides protection for millions of its citizens at an affordable cost.
With the aim of providing equal access to health services, BPJS Kesehatan has a number of benefits that not only make it easier for participants to get treatment, but also provide a sense of security in dealing with various health conditions. Here are 10 main benefits you need to know about BPJS Health.
1. Affordable Contribution Fees
One of the main advantages of BPJS Kesehatan is the very affordable contribution fees. With rates determined based on the class of care, BPJS Kesehatan allows almost everyone to register and get health protection.
In accordance with Presidential Regulation Number 64 of 2020, the monthly contribution for class 1 is IDR 150,000, class 2 is IDR 100,000, and class 3 is only IDR 35,000.
These relatively low costs allow all levels of society, both low and high income, to continue to receive quality health services without worrying about the large costs that are usually associated with treatment or hospitalization.
2. Suffer from various diseases
BPJS Kesehatan covers more than 144 types of diseases, from minor illnesses to chronic diseases. Participants can get medical services starting from initial examination, doctor consultation, to surgery costs, without having to worry about expensive costs.
Chronic diseases such as diabetes, hypertension, and infectious diseases such as tuberculosis, hepatitis, and tetanus are also covered by BPJS Health protection.
In addition, services for dental and oral diseases are also available, ensuring that dental health needs are taken care of. The variety of types of diseases covered by BPJS Kesehatan makes this program a very useful health solution for many people.
3. Access to Basic Health Services
One of the main advantages of BPJS Kesehatan is wide access to basic health services. This program includes routine check-ups, general treatment, immunizations, and various other preventive services. Thus, BPJS Kesehatan plays an active role in preventing diseases early on, reducing the need for more complicated and expensive treatment later on.
These basic health services are very important, especially to maintain general public health and prevent the occurrence of more serious diseases that can affect a person’s quality of life.
4. Comprehensive Inpatient Care
BPJS Kesehatan also covers inpatient care costs, whether in class 1, 2, or 3, depending on the participant’s membership class.
This includes the cost of room, meals, medicines, and all medical services required during hospitalization. Therefore, participants do not need to worry about hospital costs which are often very high.
This facility is very useful, especially in emergencies or if someone needs long-term care that requires hospitalization.
5. Covering Operations and Surgical Procedures
BPJS Kesehatan covers surgical costs, whether for major or minor procedures, elective or emergency. All surgical procedures requiring hospitalization, including post-operative medication and care, are covered under this program.
This allows participants to undergo necessary medical procedures without being burdened with high costs, which is often a major issue for those requiring surgical care.
This service is very important because it can prevent delays in medical treatment, which can cause the patient’s condition to worsen if delayed.
6. Easy Contribution Payment
BPJS Kesehatan contribution payments are very easy and can be done through various channels. Participants can pay contributions through BPJS branch offices, transfers via internet banking or collaborating ATMs, and even at minimarkets such as Alfamart and Indomaret.
This convenience allows people to make payments in a way that suits them best, so there is no reason not to comply with their contribution payment obligations.
7. Without Medical Check-Up
Unlike many private health insurances that require participants to undergo a medical check-up first, BPJS Kesehatan does not apply such requirements.
This means that everyone, regardless of age or health history, can immediately become a BPJS Kesehatan participant after completing the documents and paying the contribution.
This makes BPJS Health more accessible to all levels of society without the complicated procedures that often prevent someone from getting health protection.
8. Lifetime Guarantee
BPJS Kesehatan provides lifetime coverage, meaning that protection will remain throughout the participant’s life as long as they actively pay their contributions. This is different from many private health insurances that may have a limited coverage period or validity period.
With this guarantee, BPJS Kesehatan participants can feel safer because they will remain protected throughout their lives without any time limits determined by the insurance company.
9. Without Pre-Existing Conditions
Unlike private health insurance which often imposes waiting periods or exceptions for pre-existing medical conditions, BPJS Kesehatan does not impose such provisions.
This means that participants can immediately get protection for diseases they have previously suffered from without having to wait a certain amount of time or meet certain requirements.
This is very beneficial for those who have a history of certain diseases, because they can still get access to medical care without obstacles.
10. Referral Services and Specialist Care
As a BPJS Kesehatan participant, you are also entitled to receive advanced referral health service benefits. This program provides access to hospitals or health facilities that provide specialist and subspecialist services, both outpatient and inpatient.
This service ensures that BPJS Kesehatan participants can get more in-depth medical care and according to more complex medical conditions. Hospitals that work with BPJS Kesehatan have trained medical personnel and complete facilities to handle various medical cases.
BPJS Kesehatan offers various benefits that are very important for the Indonesian people. From very affordable premiums to extensive disease coverage, BPJS Kesehatan provides much-needed health protection for many people.
With a flexible payment system, no medical check-up required, and lifetime coverage, BPJS Employment is the solution for those who want to ensure their health protection is maintained without being burdened with high costs.
This program supports equitable and quality access to health services, providing a sense of security for all levels of society to obtain adequate medical care, anytime and anywhere.