Health Insurance Development Strategy

In general, local and central government does not have adequate funds or does not give priority health financing. It can be seen from the small budget the health sector at national and regional levels, so the productivity of the population is still very low.

The strategy now should be within the law that applies, if it is still recognized, and the fact remains, that Indonesia is still the Homeland.

That is, policies that can be taken at this region, where the national policy of health insurance is still a legal product, then the health insurance expansion efforts in the area is still restricted by applicable law corridor. That is, the attempt to manage their own health insurance such as civil servants are not in accordance with applicable law corridor now. Likewise, require private employees as opposed to the Social Security regulations are inconsistent with the existing legal framework.

However, if the region wants to expand coverage or improve service quality by negotiating with Askes for example, can be done. Regions can work within the scope of their authority: mobilizing local social health insurance as part of the preparation of a national system. Cooperative members, the elderly population, and encourage private employees / government who are not civil servants can be included in the guarantee system. However, when there are national policies later, the organizers must be prepared merged entity in accordance with applicable legislation.

If the above strategies will be done, should be borne security package begins with a service that is essential / vital but bear its own weight. 

The principle of mutual aid / insurance is the same weight bear. Hospitalization, surgery, expensive treatments, and intensive care services is an area in need of health insurance mechanisms. This limited warranty packages that will be more easily adapted to extend warranty to a comprehensive package rather than vice versa. Security package that will be set at the central level will not be more than comprehensive. With this strategy, the region can resolve the health problems that become heavy burden citizens without having to have difficulty adapting to regulations to be born later. In addition, packages bear a limited guarantee will be more perceived benefits and required a much cheaper cost.

Moral hazard factor and management are two important factors to be considered in conducting warranty. Be aware that traditional health insurance that provides replacement cost (reimbursement) will invite moral hazard is high despite the guarantees provided only inpatient care or catastrophic cases. Conversely, if the assurance given in the form of service, then the moral hazard becomes more easily localized than provide a comprehensive guarantee. Therefore the management of this limited warranty will be much easier and more resolved. If this strategy is applied to compulsory insurance temporary (pending the Act), then the two major threats failure insurance (adverse selection and moral hazard) have been overcome.

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.