TEKNIKAL NOTE BPJS INDONESIA

What is BPJS?

BPJS is an institution that organizes the National Health Insurance (JKN) which is a public legal entity state-owned non-profit and accountable to the president. BPJS entered into force on January 1st, 2014. Participants of BPJS Health program are divided into 2 groups of new participants and the transfer of the previous program, the Health Insurance, Public Health Insurance, the Indonesian Armed Forces, the Police, and the Workers’ Social Security. Improving the quality of health services at the primary level is very important to reduce the burden of services which will be borne by the hospital when the Social Security Agency (BPJS) applied[2].

Reference:

The implementation of BPJS health program At public health center martapura in banjar regency, Fauzie Rahman1 Nita Pujianti1 Vina Yulia Anhar1 Ayu Riana Sari2, International Refereed Journal of Engineering and Science (IRJES) ISSN (Online) 2319-183X, (Print) 2319-1821 Volume 4, Issue 4 (April 2015), PP.26-28

Who are the beneficiaries of BPJS?
Universal Health Coverage is defined as ensuring that all people can use the promotive, curative, rehabilitative and palliative health services they need of sufficient quality to be effective, while also ensuring that the use of these services does not expose the user to financial hardship (WHO, 2010). The Universal Health Coverage embodies three related objectives: 1. Equity in access to health services 2. Good quality of health services 3. Financial-risk protection.

Insurance helps you protect yourself against risks like a house fire, car accident or burglary. You can also get insurance that pays you money if you get too ill to work or to provide for your family if you die.

Reference:
1. Hospital Financial Performance in the Indonesian National Health Insurance Era, Anastasia Susty Ambarriani Atmajaya University, Yogyakarta-Indonesia anastasiasusty@gmail.com.
2. Social Protection in Developing Countries: Reforming Systems, edited by Katja Bender, Markus Kaltenborn, Christian Pfleiderer
3. https://www.moneyadviceservice.org.uk/en/articles/what-is-insurance
What is definition Of Insurance? Insurance is an arrangement where an entity (insurer) promises to provide compensation to the insured upon the happening of a specified event or loss.

https://www.quora.com/What-is-insurance-and-how-does-insurance-companies-work

Insurance helps protect you from financial loss when things go wrong. For example:
Your mobile phone could fall out of your pocket and break while y
Ou’re travelling (and you need a new one)
You might be injured in a car accident (and you have to pay for treatment and the cost of repairs to your car).
https://www.moneysmart.gov.au/tools-and-resources/publications /factsheet-what-is-insurance

Insurance is an agreement with which an insurer ties himself to a person insured by receiving a premium, to provide compensation to him for a loss, damage or loss of expected benefits that might be suffered because of an event that is not certain.

What is the purpose of insurance?
Health goals insurance is providing financial resources for the health system, ensuring that individuals have adequate access to public health and personal health care, and establish financial incentives for service providers to provide cost-effective health services.

https://doi.org/10.1016/S0168-8510(01)00207-X

Definition Of A Health Insurance Policy.

A health insurance policy is a contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (e.g. an employer or a community organization).
https://en.wikipedia.org/wiki/Health_insurance

 

 

 

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