A problem with a healthcare insurance company

I understand that you could get free medication with BPJS especially those which is included on the list

Does anyone know whether BPJS cover "sildenafil", PrEP ??
Some bule need them if they go to Travel, Classic, KC, KI etc. For "Japanese Singaporean, Hong Kong bule apek apek "Little Tokyo" in blok M : :ROFLMAO: :ROFLMAO: :ROFLMAO:

In developed countries, people could get them for free from a gum clinic, and they do it for health and economic reasons. It does not make sense for some but that it is real ...
 
English please
Viagra? Cialis ?
Usually on prescription I think
Or buy the dodgy fake online or from the street
 
English please
Viagra? Cialis ?
Usually on prescription I think
Or buy the dodgy fake online or from the street
Viagra is the trademarked name for a Pfizer-patented medication designed for Erectile Dysfunction (ED). The term "Viagra" serves as a brand identifier; what truly matters in any medication is its active ingredient. In the case of Viagra, 'Sildenafil' acts as the active ingredient. Several generic versions of Viagra using Sildenafil as the main substances are now exist, providing a similar effect but at a significantly lower cost, given their avoidance of research, marketing, posh packaging, and promotional investments. Another medication for Erectile Dysfunction is Cialis (tadalafil).

Have you heard about the individual in Indonesia who initially approached Pfizer to import Viagra in its early stages? There are speculations that it was the beloved son of Suharto, e.g Tommy Suharto. During that period, he held the status of being the most well-known bachelor in Indonesia. The details beyond this are left to your imagination, depicting the behaviours of Suharto's children, grandchildren, and family during his rule. Currently, it appears that they might make a return in the upcoming general election. Some people never learn.

PrEP, an abbreviation for Pre-Exposure Prophylaxis, is a preventive measure. I'll let you explore by yourself why certain individuals require it when going to places like Hotel travel, Classic, KC, KI, etc in addition to ED medication.:LOL::LOL::LOL:

I have not heard whether Sildenafil or PrEP are available under BPJS (?). In some countries, they will provide them for free when you go to a gum clinic and have a reason to obtain them. However, generally, people do not want these medications to be recorded in their health files, so they prefer to acquire them from online pharmacies and pay for them themselves.

Be aware when obtaining such medications from disreputable online sources or, worse, from the streets, where there is a risk of contamination with harmful substances like rat poison. It's essential to note that generic versions of Viagra and Cialis are available under various brands or unbranded names. While in developed countries, there's little incentive for counterfeiting due to their relatively low price, in Indonesia, they are considered relatively expensive by local standards, especially when compared to common items like chalk or rat poison that could be used.

I am not a sexual health expert, so please take this information with a pinch of salt.
:D :D :D
 
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Viagra is the trademarked name for a Pfizer-patented medication designed for Erectile Dysfunction (ED). The term "Viagra" serves as a brand identifier; what truly matters in any medication is its active ingredient. In the case of Viagra, 'Sildenafil' acts as the active ingredient. Several generic versions of Viagra using Sildenafil as the main substances are now exist, providing a similar effect but at a significantly lower cost, given their avoidance of research, marketing, posh packaging, and promotional investments. Another medication for Erectile Dysfunction is Cialis (tadalafil).

Have you heard about the individual who initially approached Pfizer to import Viagra in its early stages? There are speculations that it was the beloved son of Suharto,Tommy Suharto. During that period, he held the status of being the most well-known bachelor in Indonesia. The details beyond this are left to your imagination, depicting the behaviours of Suharto's children, grandchildren, and family during his rule. Currently, it appears that they might make a return in the upcoming general election.

PrEP, an abbreviation for Pre-Exposure Prophylaxis, is a preventive measure. I'll let you explore by yourself why certain individuals require it when going to places like Hotel travel, Classic, KC, KI, etc in addition to ED medication.:LOL::LOL::LOL:

I have not heard whether Sildenafil or PrEP are available under BPJS (?). In some countries, they will provide them for free when you go to a gum clinic and have a reason to obtain them. However, generally, people do not want these medications to be recorded in their health files, so they prefer to acquire them from online pharmacies and pay for them themselves.

Be aware when obtaining such medications from disreputable online sources or, worse, from the streets, where there is a risk of contamination with harmful substances like rat poison. It's essential to note that generic versions of Viagra and Cialis are available under various brands or unbranded names. While in developed countries, there's little incentive for counterfeiting due to their relatively low cost, in Indonesia, they are considered relatively expensive by local standards, especially when compared to common items like chalk or rat poison that could be used.

I am not a sexual health expert, so please take this information with a pinch of salt.
:D :D :D


Omg only you could come up with a reply like this bless your heart
 
My wife (still young, no claims so far) is insured at A****nz according to a unit-linked health insurance since 2022. The premium was Rp. 1,750,000 a month. The premium rose to Rp 2,140.00 per month early this year. This week my wife received the message that the premium will rise to Rp. 3,286,800 per month. An unprecedented increase of 53%. We made an appointment with the insurance agent and she told us that the 'claims' have risen since 2021 with 130%, as follows:

Cancer 107%
Stroke 350%
Jantung 88%
Gagal ginjal 100%

In 2023 the total of claims (at A****nz) was 2.3 Trillion rupiah.

I think there are 2 causes for this:

1. Indonesians are -on average (relative to other peoples)- unhealthier.
2. The doctors in the hospitals do unnecessary medical examinations and actions, only to be able to submit extra bills. Only add some extra cash to their low salaries. A perverse system.

Something has to be done to the latter cause. The premiums cannot go up like this all the time. Who can afford those?
 
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My wife (still young) is insured at A****nz according to a unit-linked health insurance since 2022. The premium was Rp. 1,750,000 a month. The premium rose to Rp 2,140.00 per month early this year. This week my wife received the message that the premium will rise to Rp. 3,286,800 per month. An unprecedented increase of 53%. We made an appointment with the insurance agent and she told us that the 'claims' have risen since 2021 with 130%, as follows:

Cancer 107%
Stroke 350%
Jantung 88%
Gagal ginjal 100%

In 2023 the total of claims (at A****nz) was 2.3 Trillion rupiah.

I think there are 2 causes for this:

1. Indonesians are -on average (relative to other peoples)- unhealthier.
2. The doctors in the hospitals do unnecessary medical examinations and actions, only to be able to submit extra bills. Only add some extra cash to their low salaries. A perverse system.

Something has to be done to the latter cause. The premiums cannot go up like this all the time. Who can afford those?
It’s likely you know that a unit-linked insurance plan in Indonesia is a life insurance product that combines both insurance coverage and investment opportunities. This means your monthly payments aren’t solely for health insurance but they also go toward investment.

When it comes to investments like unit-linked insurance, it's important to do your due diligence. In the past, scams involving unit-linked insurance are not uncommon in Indonesia, especially if you’re purchasing through an agent. I have shared this information before.

If you are only interested in health coverage, it might be better to consider a stand-alone health insurance policy. For investments, you could explore your own options. Just my personal opinion, so please do your own DDs to decide which one is the best option for your wife.
 
It’s likely you know that a unit-linked insurance plan in Indonesia is a life insurance product that combines both insurance coverage and investment opportunities. This means your monthly payments aren’t solely for health insurance but they also go toward investment.

When it comes to investments like unit-linked insurance, it's important to do your due diligence. In the past, scams involving unit-linked insurance are not uncommon in Indonesia, especially if you’re purchasing through an agent. I have shared this information before.

If you are only interested in health coverage, it might be better to consider a stand-alone health insurance policy. For investments, you could explore your own options. Just my personal opinion, so please do your own DDs to decide which one is the best option for your wife.
Yes, I am aware of the + and - of unit-linked health insurances and the fees involved for the agents.
I am shopping around now for the so-called 'traditional' health insurances, meaning not linked to a fund. Problem still is that here in Indonesia the premiums will hike every year compared to international insurances outside this country.
 
Yes, I am aware of the + and - of unit-linked health insurances and the fees involved for the agents.
I am shopping around now for the so-called 'traditional' health insurances, meaning not linked to a fund. Problem still is that here in Indonesia the premiums will hike every year compared to international insurances outside this country.
As far as I know, it is not uncommon for health insurance premiums to increase annually. This is not only in Indonesia but worldwide. This is often due to factors like aging and adjustment for inflation. Not to mention medical advancements, the invention of new technologies, the availability of a more advance equipment and a broader treatment option.

However, your insurance covers you for only one year, and if the price increase is excessive, you may have the option to switch to a different provider upon renewal ?

Also is using BPJS not enough ??
 
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As far as I know, it is not uncommon for health insurance premiums to increase annually. This is not only in Indonesia but worldwide. This is often due to factors like aging and adjustment for inflation. Not to mention medical advancements, the invention of new technologies, the availability of a more advance equipment and a broader treatment option.

However, your insurance covers you for only one year, and if the price increase is excessive, you may have the option to switch to a different provider upon renewal ?

Also is using BPJS not enough ??
Increase of premiums is around 15% ... not 53%.

That is why I want to switch to the traditional health insurance .. with the plus and minusses of those insurances (every year acceptance and/or medical checks).

BPJS is a backup ... problem with this ... one has to go to a puskesmas first and get a referral to a (goverment) hospital. Not to mention the queing and waiting all day to see a doctor.

Btw another agent confirmed that doctors in hospitals do unnecessary medical checks and treatments in Indonesia. That's why a lot of people go to Malaysia for medical care.
 
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This is not only in Indonesia but worldwide
My company health insurance plan increased 12% for the rest of Asia but doubling for Indonesia this year. Yes we went to get a lot of quotes. Previous years though saw a very small increase so i am hoping this is a one time thing. Another issue is that compared to other countries and even travel insurance, the coverage is very low though maxing out around $15k / year. its now costing around 14jt per person or 40jt per employee (the difference is wives, kids etc). Its still much cheaper than other countries but the benefit is lower.

edit: our claims for last year averaged to 6jt per person, so the insurance company pretty much broke even last year.
 
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In my view most health insurance is a waste of money. If you have 1M in a deposito or government bonds that will cover you for just about any procedure including heart transplant. Chances are you won't need anything so complicated so you can leave the money to your kids, instead of lining the pockets of agents/insurance executives.
 
In my view most health insurance is a waste of money

Dont you know anyone with cancer or had a car crash and their bills were hundreds of thousands of dollars? I know the Indonesian insurance with such low max claims is bad but most other insurance covers 200k usd and above. Its really for when something very bad happens and at that point it stops you losing your home and life savings.
 
The rule in our house is either ones ends up in a maybe/possibly life or death situation, the spouse chooses to plug in nothing. We feel instead of a doctor and hospital bleeding you to death, better the spouse has the resources to comfortably go on. We are old so not so afraid of what is to come more sooner than later.

BPJS is just fine for us in case of an emergency and with an emergency one can go directly to an emergency room and bypass Pukesmas. Hospital stay, BPJS plus a room upgrade cost. Any follow up paid in cash to avoid the wait and not hear a doctor complain about how little he gets for seeing BPJS patients.
 
In my view most health insurance is a waste of money. If you have 1M in a deposito or government bonds that will cover you for just about any procedure including heart transplant. Chances are you won't need anything so complicated so you can leave the money to your kids, instead of lining the pockets of agents/insurance executives.
It sounds like you are referring to expat health insurance (aka international health insurance) designed for residents, rather than standard travel insurance meant for travelers. Regular travel insurance usually has a maximum duration of stay in a foreign country for coverage, typically under a year.

Regarding, expat health insurance, say you have a serious accident requiring major surgery, an extended ICU stay, and follow-up with lifelong treatments and medication, the costs could easily exceed a few billion rupiahs. Similarly, ongoing lengthy treatment for conditions like chronic kidney disease or heart failure with in and out hospitalisation. If you were able to get BPJS, what you are suggesting might be reasonable, as BPJS could potentially cover these unexpected costs. Also for emergency treatment you could just go to hospital rather than waiting for referral.

Even for frequent international travellers, it’s possible to get a multi-trip travel insurance plan for under $200 per year. In other country with a much higher treatment, healthcare cost than Indonesia, you could easily get private health insurance as low as US$100 per month. Given the potential risks of an accident or emergency while abroad, it is not worthy not paying that relatively tiny amount of money considering that risk.

However, a major issue with private insurance in Indonesia, especially those run by local companies, is the lack of strong regulators, robust watchdogs or ombudsman. With such amount of treatment cost they might just simply deny your claims. Not to mention corruption and bribery to the authority or even the court, to avoid their obligations. These industries in Indonesia are often rife with agents more focused on earning high commissions. They might already run with fatty commissions when you need them to make a major claim. I have posted a few examples in the past involving unit link insurance and local insurance companies claiming to have a business relationship with reputable worldwide insurance companies. Not all of them but but when come to private insurance in Indonesia, you might be having a hard time to find a good and reputable one.
 

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The rule in our house is either ones ends up in a maybe/possibly life or death situation, the spouse chooses to plug in nothing. We feel instead of a doctor and hospital bleeding you to death, better the spouse has the resources to comfortably go on. We are old so not so afraid of what is to come more sooner than later.

BPJS is just fine for us in case of an emergency and with an emergency one can go directly to an emergency room and bypass Pukesmas. Hospital stay, BPJS plus a room upgrade cost. Any follow up paid in cash to avoid the wait and not hear a doctor complain about how little he gets for seeing BPJS patients.
I am 71, no health issues, no pills and still going out. But I know that at the end nature will have the upper hand.
If I catch something bad, it's time to check out. I am not going to go through chimio etc...
Have a bit of money in the bank Missus can access it. It will cover small / medium issues.
Otherwhile it will cover for the last pill and the cremation.
Did some inquiries fof health insurance (real ones, not just the certificate..), over 65 the premiums are ridiculous. Better spend it on Jack Daniels !
 
Dont you know anyone with cancer or had a car crash and their bills were hundreds of thousands of dollars? I know the Indonesian insurance with such low max claims is bad but most other insurance covers 200k usd and above. Its really for when something very bad happens and at that point it stops you losing your home and life savings.
I know a foreigner who got cancer in Indonesia. Insurance paid like 10-15% of the total bills. The total costs were around 1 billion Rp. Treated by best Indonesian oncologist, and recovered successfully.
 
Dont you know anyone with cancer or had a car crash and their bills were hundreds of thousands of dollars? I know the Indonesian insurance with such low max claims is bad but most other insurance covers 200k usd and above. Its really for when something very bad happens and at that point it stops you losing your home and life savings.
Yes I do know people who have had cancer but not the big bills as like most people in the western world they were covered by the 'socialist' health care that most americans seem to be so afraid of. Such a mean spirited attitude. Oh, my god my contributions might pay for someone else's treatment even though others would be paying towards your treatment if you got something really serious.
 
This subject is a rough one. Buying international health coverage depends on age mostly. If you are younger than 40, then it's pretty cheap, but when you get over 60, it is very expensive for the monthly payment. $500 to $600 a month at least. That is far above my ability to pay. I bought BPJS and continue to pay monthly the top amount of IDR.150,000. I know it's only $10 a month. So I shouldn't expect much. I would happily pay more if it was an option. I continue to pay monthly in case I have an emergency and need to go the hospital.
But so far, I have not had a good experience with this company. Using it, I was referred to unqualified Doctors, not having certain medicines covered, and not willing to pay for removing some skin cancer, I went to Sanglah wing international to have surgery to remove the cancers, and had to pay in Dollars! I really wish it had been covered by BPJS, but that's just a dream. Luckily I had a little savings to be able to pay.
This is something like education. These should be provided for all people, regardless of their pay scale. It should not be a for profit subject. It should be a Human right to all.
 

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