Health Insurance Program in Indonesia

Health Insurance in Indonesia and in general do not change the costs of health care such as health checkups or purchase vitamins. Which is usually replaced are the costs of care and treatment.

Health insurance is insurance that provides reimbursement of health costs. Make no mistake, which includes health costs there are actually three 

•  Health maintenance, such as health checkups, health food and vitamin purchases.

•  Treatment, if you experience pain, so have to spend money for doctors or inpatient at the hospital, and surgery (Hospitalizations, Outpatient, Surgery).

•  Treatment, if you get sick and have to buy medicine.

There is a Health Insurance program which offers a replacement only, such as Critical Illness only. There is also reimburse the cost of inpatient or medicine, but there are also complete with a replacement if you are having surgery. There are so many variations.

Own health insurance premiums are usually paid once a year. Premiums are usually well adapted to your age. The older the age you are, the more expensive the premiums you pay. This is natural, the older age of a person, the greater the statistics you are experiencing health problems and should be treated for pain. As a result, when you've joined Health Insurance at age 65 years, for example, usually the insurance company will refuse your participation. This is because the risk he had to bear huge. Different from when you were 25 years old, for example. In fact, you need health insurance to reimburse your expenses if you get sick.

Best Heath Insurance Vs. Good Health Insurance

Health insurance is a type of insurance product that specifically guarantee the cost of health insurance or care of the members if they fall ill or have an accident. Broadly speaking there are two types of treatment offered by insurance companies, namely hospitalization (in-patient treatment) and outpatient (out-patient treatment).

Products held either by health insurance company social insurance, life insurance companies, and insurance companies are also common.

Many health insurance companies that claim their products are the best health insurance, so confuse lay people. The question is, of all the best insurance products that, where health insurance is good for you?

Not many people have insurance awareness let alone think of to protect the health of family members

(family insurance).

There are three things more important than just the benefits of inpatient / road course, you need to look at and be a consideration in choosing a good health insurance, three important things are in general not all life insurance companies / health dared to bear, the important things that is ...

• Critical illness cover
• Total Permanent Disability Cover
• Period of Protection

Sharia law Health Insurance

Many who still doubt the health insurance law, including health insurance law sharia Sharia law health insurance is associated with its illegitimate or not if we want to register this health insurance. This is reasonable because so much of the info out there about the maze of health insurance law.
Some things about the health insurance law has been my review on insurance law page on this blog. This page is only as an adjunct since many who want to know more about health insurance laws.
Some things about the health insurance law has been my review on insurance law page on this blog. This page is only as an adjunct since many who want to know more about health insurance laws.

Islamic system of insurance at its core indeed have a fundamental difference with conventional ones, among others:

• The principle of Takaful contract is Takafuli (mutual assistance). Where the customer is the one helping the other customers who were experiencing difficulties. While conventional insurance contract is tadabuli (buying and selling between customer and company).
• Funds collected from customers' insurance companies (premiums) are invested according to sharia sharing system (mudaraba). While in conventional insurance, investments made in any sector fund with a system of interest.
• Premiums collected still treated as funds belonging to clients. The company only as a fiduciary to manage it. While in conventional insurance, the premium belongs to the company and the company who has full authority to establish funds management policy.
• If there is an affected participant, for payment of customer claims the funds deducted from the account tabarru (social funds) all participants who already Relax for the purposes of mutual assistance. While in conventional insurance, the claim payment funds taken from accounts held by the company.
• Investment profits divided between the customer as the owner of the funds with the company as manager, with the principle of revenue sharing. While in conventional insurance, the benefits become fully owned by the company. If there is no claim, customers do not get anything.
• The existence of the Sharia Supervisory Board in Islamic insurance company which is a must. The Council is instrumental in overseeing the management, products and investment policies in order to keep in line with Islamic law. As in conventional insurance, then it does not receive attention.

The Importance of Having Health Insurance

In Indonesia there are two types of health insurance is health insurance collective (group) and individual health insurance. Insurance is usually reserved for private individuals or families, while insurers collectively as found in many companies already provide health coverage to their employees. Individual insurance premiums to be paid relatively higher than the collective health insurance. Why is that? Because of the collective, then the number of participants who took part individually or bigger so the risk of a claim can be evenly by all the individual within the group. The greater the number of groups or members within a single institution or company, it will lower the premium to be paid.

Health Insurance Benefits
Health insurance is a type of insurance that helps the availability of health insurance funds if participants develop health problems or illnesses. All the needs of seeing a doctor, stay (care) in hospitals, drug costs in the hospital until the operation, all that can be covered by insurance companies. Generally this type of treatment or programs that are available are the benefits of ambulatory (outpatient), benefit of inpatient care (inpatient), labor benefits and dental benefits.

In general, the benefits of ambulatory (outpatient) are covered by insurance companies is as consulting fees or general practitioner and specialists, prescription medication costs, costs of preventive measures, the cost of assistive devices required by doctors, and others. In the outpatient benefits have maximum limits use of funds each year. While hospitalization benefits that can be enjoyed by participants of health insurance is like the hospital costs, lab fees, delivery fees, the cost of emergency service (emergency). The benefits of preventive dental care, basic dental care, dental care complex, and the installation of dentures.

Third-care benefits, namely outpatient, maternity and dental benefits is an additional option that we can take the following basic program, which benefits of hospitalization. So, we are not allowed to just take advantage of outpatient care, childbirth or dental work alone without following the basic program of hospitalization benefits.

The amount of premium to be paid and the amount of value in health insurance is dependent on the health insurance program that we choose. Various insurance companies have the types of programs and premiums vary by the details of benefits also varies. Typically, insurance companies limit the amount of the total cost that can be used per year.

The system claims / reimbursement of health insurance

The system used by health insurance companies there are 2 ie the reimbursement system (reimbursement) or the system provider. With the reimbursement system, insurance participants have to spend money first to pay for treatment then can we claim or request a replacement to the insurer in which we become participants of insurance. With this system we are then free to choose a hospital anywhere, but certainly the maximum reimbursement has been determined in advance. That need to be our primary concern in making the claim is the completeness of letters of administration that became the main requirement for the reimbursement of expenses that we can be paid out by insurance companies. How quickly depends on the disbursement of claims services provided by insurance companies, but generally ranges from 7 working days.

For those who embrace the system provider, we do not need to spend money first. We only provided with health insurance membership card in order to obtain needed health care in a hospital or health clinic that we selected earlier based on a list of hospitals that work with the insurance company.

Choosing health insurance

What kind of health insurance that we need to look at and we choose? Here are some tips that may help us in choosing health insurance

• Principle carefully before buying. As a potential participant health insurance, we are entitled to get the right information, clear and honest about the terms / conditions stated in the insurance agreement. We should first read the instructions, information, and procedures are carefully and do not hesitate to ask the insurance company if there is something less obvious. Learn the agreement properly so that it can make the right decisions. Given the usual clause or clauses written in small letters on the back of the agreement and use a term that is sometimes difficult to understand layman, then we must be diligent in asking to avoid conflict in the future as a result of the difference between our interpretation as a participant, or insured by the company insurer or the insurer.

• Choose the insurance companies are reliable and have good products and services. Try to compare with some health insurance companies are reliable and have excellent service. Compare the benefits and premiums to be paid between the various health insurance products. Choose one that suits your needs and our ability to pay premiums.

• If the company where we work do not provide health insurance, then we can take the initiative to follow the collective health insurance program with fellow employees in our company. This will benefit because the premium paid would be lower if the collective, but the losses may not be able to adopt 100% according to our will as well adapted to the needs of the group.

If we reflect for a moment then come sickness or accident is an event that often occur, although the timing is not predictable. Therefore, it needed a plan to prevent and resolve the issue carefully and wisely. The principle of "willing umbrella before it rains" can be done, one way to have health insurance. So hopefully useful

Artist Health Insurance

 East Java provincial government promised health insurance coverage on the artists so they can continue working until old age. This guarantee is important, considering the artist was instrumental in maintaining the cultural treasures.

  Government is obliged to keep the artists that can still work. It is they who can defend and preserve the culture of Indonesia, especially East Java, East Java Governor said while giving a rope compassion Soekarwo 300 artists in the East Java House of Culture and Tourism, East Java,

Concern and attention of East Java provincial government to provide health insurance to the artists came on the sidelines of the rise of Indonesia's claim of cultural property by foreigners. In fact, according to Soekarwo art is the identity of a nation.

Can Cancer Insurance Costs Covered

Compared to a decade ago, now many cancer treatments show satisfactory results. Patient's life expectancy increases, and even the amount recovered is greatly increased. However, new therapeutic treatment of cancer requires a very expensive cost. In fact, most people in Indonesia do not have health insurance.
If seen the cost per person, it would be very expensive, but the incidence of cancer is not very high, about 10 people per 100,000 population. If the cost of treatment was carried noisy by the entire population through the social security of b

"Like its name a pun, meaning cancer dry bags, suffering from cancer can make people rich despite being poor," says Prof. Hasbullah Thabrany, Professor of School of Public Health University of Indonesia (FKM-UI), which became a moderator in the discussion Cancer Management and Financing in Indonesia, held by the FKM-UI and Roche in Jakarta (11/05/2011).

The Government currently is preparing the National Social Security System (Social Security System) which includes health insurance for the entire population. But according to Hasbullah, there are those that assess cancer do not need to be guaranteed by health insurance because it is expensive. In fact, with the implementation of health insurance for all people, the cost burden of cancer treatment can actually be suppressed.

"Currently, treatment options not only based on scientific research but also to be seen side of the economy and valuenya. Allocation of costs must be an efficient and balanced with the expected results. Moreover, cancer drugs do not give the same results on all cancer patients,"

Is There Any Ideal Health Insurance

Choosing the right insurance products is not a trivial matter. It takes precision and accuracy because the fund purchases the customer does not belong to someone else, but yours. Loss or risk of error remains borne by the buyer purchase insurance, not the other party.

Owned health insurance is insurance should
pure health, not mixed with the investment. It is intended that the benefits higher. For example, reimbursement of expenses of hospitalization or surgery is greater.

According to Tri Djoko Santoso, a financial planner, health insurance is included in an effort to protect ourselves and also riches. "There are so many diseases that can make a person poor for spending of property," said Chairman of the Financial Planning Institute of Indonesia. Tri Djoko added, an employee who already receive health insurance from any office should still protect themselves with health insurance. "Insurance was no limit. Usually if one employee to pay too high because of critical illness, the next year an insurance company would not put another person in the program," he said.

Nearly 70 percent of Indonesia's population at its own cost of doctor or hospital. There are various reasons that people are still reluctant to take insurance services, among others, for fear of being deceived insurance agent, be bothered to make a claim of treatment, and many are unfortunately out of funds to pay for insurance.
Everyone without exception should have health insurance that will guarantee the cost of health care or care when someone falls ill or have an accident. Moreover, although we have been keeping good health, diseases can come without warning. On the other hand, health care costs continue to rise.

To prevent losses due to insurance, there are some things to consider prospective customers, namely:

• It should be understood that the insurance premiums is an expense, not investment. In other words, our money will be lost if the period of the policy we are in good health.
• Ask your insurance agent for the detailed each item that is written in the policy. For example, the exclusion of disease conditions that are not guaranteed, whether the insurance coverage includes outpatient services or inpatient only?
• Because of the cost, insurance buyers should ask friends or people who felt more aware about insurance. Not infrequently an explanation about the disease written in English so that it can cause the wrong meaning.
• Ask also about the claims procedure. More quick and easy claims process, the better kuliatas bureaucratic insurance companies concerned. That is why, notice that the insurance company track records will be selected.
• Tell the truth if you have a particular disease prior to the enactment of the policy. 

Source : Kompas

Tips : How to Choose Life and Health Insurance

Life Insurance and Health Insurance is required mainly for self-employed and informal workers who do not have health insurance from a company or government agency.
An entrepreneur like me when to ill or disabled because of an accident will have a lot of financial losses / financially because they have to bear the cost of treatment and can not work for a living. Another case if a person works in a company or become civil servants, they usually get health insurance that will bear the cost if the sick and fixed monthly salary is paid. (But not all companies provide decent health insurance too)


Before you decide what insurance products, from insurance companies which I highly recommend to compare different products, types of products from various insurance companies. Do not rush to buy insurance products without understanding clearly the rights and obligations if we join an insurance product.

Some tips from me to choose an insurance product:

* Determine the benefits of any protection we need
* Find information on insurance products fit our needs by collecting brochures from different companies or searching for information on the website of insurance companies
* Consult the dealer in more detail about the products until the detailed calculation of the overall allocation of funds that we are willing to pay for anything
* Do not believe what insurance agents say, because they do not necessarily understand well the products they offer.
* Have made illustrations benefits insurance products, premiums to be paid and the allocation of the premium paid it to anywhere
* Learn the content of the illustrations in the house with a relaxed and thoroughly, do not rush to conclusions, ask a better idea if there is not yet clear
* Compare products from various insurance companies, which provide the greatest benefit with the least expensive premium, but the info or find out whether the company can believe it or not
* Do not just based on the best insurance award from a magazine, but you should really know how to calculate the insurance costs
* Determine the insurance products of your choice after all you really understand
* After determining and deciding to buy an insurance product we will accept an insurance policy that contains a binding contract between the customer and the insurance company, learn again the contents of the policy, the customer usually within 14 days given the opportunity to cancel the policy.

That was a few tips from me so you do not regret one day if you buy an insurance product without understanding fully the rights, obligations and comparisons with other products.

One more suggestion I was a customer who never fooled with any insurance product, "Do not buy Life and Health Unit Link associated with investment". Believe cut unit-linked products is very expensive, you better go pure life and health insurance and invest the money into mutual funds separately.

In the next article I will try to give detailed calculation of unit-linked insurance that actually drain money customers, which makes insurance agents are now a lot of very rich by selling unit-linked insurance.

Choose a Family Health Insurance

Health insurance today is not a foreign object again. Almost all banking institutions have health insurance package.

However, there is wrong in most public opinion about health insurance. That is the premium we pay is considered as money lost. Fortunately, not all think so. Most of the people of Indonesia have started literacy of the importance of health insurance. In general, health insurance will bear the risks we experience in terms of health.





Meanwhile, for family members who have not covered health insurance, should not be forgotten. We recommend that you include in other health insurance programs to suit the needs of families. Because so many insurance companies to provide an attractive offer, do not let one select the insurance that does not comply with the requirement.


Before a choice, learn the first few alternative health insurance bids. Consider carefully so as not grumpy later because that is not disappointed with the product as needed. Among them, know how long the insurance company has long standing and reputation of the insurance company in handling its members. Like the ease of payment and the handling of claims.

Do not hesitate when digging information from health insurers regarding the products will be selected. From this information, you will be able to obtain the insurance company's capital strength. And most important is to choose a package that really fit the needs of your family. For example, check on claims of labor if your wife is pregnant, or check is also about the small claims compulsory immunization in the first year. With foresight, you can get optimum benefit from the health insurance of your choice.