BPJS as foreigner with no work??

[Bad_azz]

I have my own - Head of a family of 1 - me as is hubby.

I no longer have my own KK (cos I am now WNI & had to get the docs changed), the miniature husband has somehow become elevated to head of the household- a point he thoroughly enjoyed making for all of 10 seconds until I set him straight

 

[MamangDudul]

I have BPJS however I have never used it to date. Mainly because I am too lazy & have found it easier to dash off to the hospital & deal direct with the place I like.
I have had one or two hospital visits & to be fair I have found overall the care to be reasonably decent (apart from 1 disastrous time where the guy really seemed to be clueless), my point being- a visit with a specialist costs about 200,000 IDR - A visit with a lower rank Dr costs less.
A cardiogram wasn't overly expensive, x rays aren't that bad either about 600,000 to 1 million idr.
So, don't panic too much, unless you get severely sick or have a devastating accident you will likely be able to scrape together the cash for immediate care.

Yes I also would say that most basic things are very well affordable. I also don't hope for it, but most of us don't get spared by any major stuff sooner or later. So yeah, as always, I don't live in fear and hope for the best and maybe things also will change someday.

 

[scouser59]

I unfortunately required some surgery after a minor bike accident , my insurance with allianz did not work as customer service were totally useless and unhelpful to my wife ,not like bupa or similar , luckily i had bpjs they did their duty , ya it wasnt 5 star ,but it worked thankfully .

So ya its important to have bpjs ,unfortunately the application of membership varies from area to area .

 

[MamangDudul]

I unfortunately required some surgery after a minor bike accident , my insurance with allianz did not work as customer service were totally useless and unhelpful to my wife ,not like bupa or similar , luckily i had bpjs they did their duty , ya it wasnt 5 star ,but it worked thankfully .

So ya its important to have bpjs ,unfortunately the application of membership varies from area to area .

Yes I also would say it is good if you can rely on something like that.

Especially surgeries can cost quite a lot. My mother in law needed a special eye surgery that was not available in Batam and that alone would have cost her around 50 million rupiah without BPJS, at least the doctor told us so.
From what I know, no matter in which country, hospital prices can get pretty "unreal" if you don't have an insurance.

 

[MamangDudul]

Hi everyone,
as some people might know Iam pretty much done participating in this forum. Nonetheless i thought this information might be helpful.

So after a few more months with my wife getting on the nerves of BPJS, the front desk worker (together with her boss) have finally been able to put my name rightfully in and I finally can use BPJS.

So I guess if you have the time and the nerves (in other places like Bali it sometimes apparently works more easy) you can still get BPJS as a foreigner on a spouse sponsered KITAP with no work.

My personal thoughts are that this is still about money. They probably just don't want to spend more money, especially for foreigners, if they somehow can prevent it. I also get this impression because I see how difficult it is sometimes until they give out rujukan/reference letters to see a specialist. I personally seldom visit the doctor, but my wife is another story. Sometimes it almost feels like begging until they finally give u what you need/want at the clinic. Luckily my wife has a pretty big mouth and is straight forward.
So yeah, my guess is that money is the problem here. An insurance like that is expensive for a country, so they try to keep it as low as possible

 

[scouser59]

Hi everyone,
as some people might know Iam pretty much done participating in this forum. Nonetheless i thought this information might be helpful.

So after a few more months with my wife getting on the nerves of BPJS, the front desk worker (together with her boss) have finally been able to put my name rightfully in and I finally can use BPJS.

So I guess if you have the time and the nerves (in other places like Bali it sometimes apparently works more easy) you can still get BPJS as a foreigner on a spouse sponsered KITAP with no work.

My personal thoughts are that this is still about money. They probably just don't want to spend more money, especially for foreigners, if they somehow can prevent it. I also get this impression because I see how difficult it is sometimes until they give out rujukan/reference letters to see a specialist. I personally seldom visit the doctor, but my wife is another story. Sometimes it almost feels like begging until they finally give u what you need/want at the clinic. Luckily my wife has a pretty big mouth and is straight forward.
So yeah, my guess is that money is the problem here. An insurance like that is expensive for a country, so they try to keep it as low as possible

I agree it is becoming more difficult to obtain bpjs ,I was lucky to enroll in the early days in bali when it was fairly simple .

Honestly we find it works well , almost immediate referals to specialists if required , no qs to speak of normally less than 30 minutes .

I had a previous bad experience with allianz , totally unhelpful ,bpjs came to the rescue ,they have my thanks .

 

[harryopal1]

I am on Kitap. My wife, as WNI sponsor, has been looking at this again and says before it was simpler to have a foreigner registered with BPJS but then rules were changed and registration was ruled out for non working, retired KITAP holders. She intends to try again her but as her Keluarga is registered in Bandung and it means a trip their to include my name. All bit troublesome travelling to and from Bandung in the present circumstances.

 

[Nicho]

My Indonesian wife and son can't even get it , here in S/East Java they take everything on the value of your house You can have a nice house and be pinching penny's to put food on the table and they won't listen . Lot of locals can't even get it unless they live in a shack and none of the family work . Scammers register 3 or 4 families at the one address , usually a shack on a plot of land another friend sand get all the hand outs no questions , they all ride new motorbikes , own 3 or 4 fishing boats , the elder males usually have a car and they all live in big flash houses up the road under a bodgey name . I do a few photo copies for the locals and see there bodgey KTP's and KK's regularly when there's a free handout . I paid 1,700,000rp at the local hospital . They gave me a card with our names , DOB's and a registration number . Covers me the wife and son for everything even dental for life . Wifes been in twice for dental , son once after a motorbike accident and they've never mentioned $$$ .

 

[snpark]

My wife can't get it
Next sentence. My wife has it
Huh?

 

[Samoerai]

Ps: although all of this does not make much sense since BPJS Kesehatan is for people with no work. I guess the simple reason is they don't have any benefit from it and already have a big deficit. Thats also what one of the workers said to us in private, they don't have any benefit from it. So they try to keep foreigners out of it. For obvious reasons they can't keep citizens out of it.
Well, Indonesia still has a long road ahead.

With 'they' you mean 'Indonesian government'?

 

[Samoerai]

I have BPJS however I have never used it to date. Mainly because I am too lazy & have found it easier to dash off to the hospital & deal direct with the place I like.
I have had one or two hospital visits & to be fair I have found overall the care to be reasonably decent (apart from 1 disastrous time where the guy really seemed to be clueless), my point being- a visit with a specialist costs about 200,000 IDR - A visit with a lower rank Dr costs less.
A cardiogram wasn't overly expensive, x rays aren't that bad either about 600,000 to 1 million idr.
So, don't panic too much, unless you get severely sick or have a devastating accident you will likely be able to scrape together the cash for immediate care.

I just got out of the hospital Siloam Karawaci and prices are compared to Holland much lower, but still not that cheap, e.g. ct-scan without contrast IDR. 4 mln, ct-scan with contrast IDR 6 mnl, appointment with internist IDR. 300.000, bloodtest IDR 1 mnl, PCR test IDR 500.000, bed rental deluxe per day IDR. 700.000, bed rental per day VIP 1 mln. Etc.. and Siloam is cheaper than e.g. Medicare hospital. In total I paid 2000 euro cash for my hospital care of 4 days.