Here's some experiences with the 'healthcare system' in Indonesia.
Patient is sick. Patient works in market.
BPJS money sent by patient's 1st daughter to patient's 2nd daughter for years. But oops they only paid one month (and stole the rest), so now they have to pay 24 months fees even though it was only active one month, and there is a 'fine' of 30% of the hospital fee in case of 'inpatient' care.
Ok.
So rumour-mill locally is all private hospitals which work with BPJS are demanding 400k for rapid test before admitting patients. And then they might get sent off to a 'covid' hospital, which is effectively a prison.
So patient treated on drip at home, but patient gets worse, so got hospital.
Presents at hospital with complaint about GERD. Rapid test done. Told it is 'reactive'. Patient must be sent to another hospital. Many hours later they say 'ok, but you have to pay a 'deposit', because your BPJS is status 'denda''. [this is illegal, and the denda is paid to the government, not the hospital, and I think the hospital gets paid either way.]
So patient is imprisoned by hospital 1 until the bill is paid. I hear about this and say 'I know what these hospitals are like they are liars and frauds, demand a printed itemised bill, and the results of the test.'
None such forthcoming.
Patient leaves to second hospital 100 miles away.
Where is the receipt?
The receipt says 'outpatient treatment 2,820,000rp' No bill, just a 'kwitansi' like from a market stall or something.
I say 'these lying cheating scumbags are not going to pay you back. Why does that say outpatient treatment when they said it was a deposit'
Next day after several hours on the telephone they produce a new print out which says
'inpatient GERD, code xyz, 3200,000, denda 960,000rp'
so they go to pay the 960,000rp [to the government] and the hospital refunds the 2820,000rp.
So essentially the hospital has not treated the GERD because the patient has been sent to another hospital, but they are claiming the money from the government for treating GERD even though that wasn't really what happened, because from the minute you walk in the door they want a covid-19 rapid test.
So I ask for the test results.
These are sent.
They show
'antibody test covid-19
igM - reactive / non-reactive : blank
igG - reactive / non-reactive: reactive'
It's not completely clear to me but there are at least three antibodies, and two mainly tested, that is igM & igG.
View attachment 1507
So you can first detect igM (in which case the patient is sick and infectious), igM+igG (by which time the patient has maybe recovered and may be still infectious), and finally igG alone (which means the patient is no longer sick or infectious).
In civilized countries igG tests are used to measure the proportion of the population which has been infected. igM is not a good test for infectiousness, but it will detect most people sick NOW with covid.
So if you are igG+ then that could mean you started symptoms 10 days ago, or 100 days ago. The igM result is important.....
But they didn't test it, and said 'you go', demanded 3 million rupiah, and then lied to the government about what they had done.
[note BPJS does not have anything to do with covid - the hospital can reclaim covid expenses directly from the government, but it's separate from bpjs]