Ada Pertanyaan? Hubungi Kami 
2026 Hak Cipta Milik Hukumonline.com
Produk Pilihan
Ada Pertanyaan? Hubungi Kami Apindo Expresses Opposition to Upper-Threshold Increases to Public Health Program Insurance Premiums
Marcell Sihombing, Ady T.D. Achmad
The government has officially set an upper monthly salary threshold of IDR 8 million for the calculation of public-health-program insurance premiums payable by employees of private entities. However, a number of businesses have already expressed their opposition to Presidential Regulation No. 19 of 2016, claiming that the new calculation method will only increase the burden on employers, while any improvements made to the level of healthcare available will remain negligible.
Hariyadi B. Sukamdani, Chair of the National Management Council (DPN) of the Employer’s Association of Indonesia (Apindo) believes that the premium increase will place an extra burden of some 6-7% upon the shoulders of employers. Mr. Sukamdani compared the increase to the previous calculation set out under Presidential Regulation No. 12 of 2013, whereby the highest monthly salary amount to be used to calculate the premium was set at two times that of non-taxable income, or approximately IDR 4,725,000 (4% of which was to be paid by employers with the remaining 1% paid by participants].
Also commenting on this issue was Harijanto, Chair of Apindo’s Employment Division at the National Management Council, who asserted that the new calculation method has resulted in an increase to the upper threshold payable by employers, especially as regards employees who have a monthly salary of over IDR 4,725,000. By way of example, Mr. Harijanto estimated that employees who earn IDR 7 million per month will require that their employers pay an extra IDR 140,000 per month per person in premiums.
Moreover, Apindo has also suggested that the government should postpone the enforcement of the new calculation method while it is still evaluating the implementation of the National Public Health Insurance (Jaminan Kesehatan Nasional - JKN) program, which has been operating since 1 January 2014. Mr. Sukamdani points to several issues that he believes need to first be carefully assessed before any increase in payable premiums can be considered. Mr. Sukamdani believes that poor service at hospitals should be improved, as many patients are still turned down for reasons which include a lack of vacant hospital rooms. Issues such as these place an unnecessary burden upon employers, because participants in the JKN program are failing to enjoy its benefits.
Another issue relates to the ineffective implementation of coordination of benefits (COB), which is causing employers to spend extra money registering their employees with private insurance programs. Moreover, the BPJS for Health is failing to effectively manage participants from the informal sector and self-employed workers, and this is resulting in an extremely high claim rate from these participants. According to Apindo data, the claim rate among informal sector and self-employed workers easily exceeds 300%, while claims made by underprivileged participants in the program currently amount to 80%, claims made by employees of government institutions amount to 100%, and claims made by employees of private entities amount to 70%.
“We [Apindo] have already sent letters to President Joko Widodo, the National Public Health Insurance Council (DJSN) and the BPJS for Health. Before increasing the payable premiums, it is better to thoroughly review the current practices followed by the National Public Health Insurance program instead,” emphasized Mr. Sukamdani during a press conference which was held at the DPN Apindo office in Jakarta on Thursday, 24 March 2016.
BayuWahyudi, Director of Inter-Institutional Relations, Communications and Legal Affairs for the BPJS for Health recently asserted that Presidential Regulation No. 19 of 2016 was aimed at maintaining the continuity of the JKN program as a whole, as well as improving its levels of service. After all, the BPJS for Health recorded an IDR 5 trillion shortfall as regards the disbursement of claims during the 2014-2015 period.
“The 2016 Regulation not only regulates for tariff adjustments for employees of private entities, but also underprivileged participants,” Mr. Wahyudi asserted from the House of Representatives/People’s Consultative Assembly building.
Meanwhile, Subiyanto, an employee-faction member of the DJSN, claimed that the DJSN had yet to initiate a discussion relating to Presidential Regulation No. 19 of 2016, although hopefully such a discussion will take place next week.
(for more information on Presidential Regulation No. 19 of 2016, see ILB No. 2838)
Hariyadi B. Sukamdani, Chair of the National Management Council (DPN) of the Employer’s Association of Indonesia (Apindo) believes that the premium increase will place an extra burden of some 6-7% upon the shoulders of employers. Mr. Sukamdani compared the increase to the previous calculation set out under Presidential Regulation No. 12 of 2013, whereby the highest monthly salary amount to be used to calculate the premium was set at two times that of non-taxable income, or approximately IDR 4,725,000 (4% of which was to be paid by employers with the remaining 1% paid by participants].
Also commenting on this issue was Harijanto, Chair of Apindo’s Employment Division at the National Management Council, who asserted that the new calculation method has resulted in an increase to the upper threshold payable by employers, especially as regards employees who have a monthly salary of over IDR 4,725,000. By way of example, Mr. Harijanto estimated that employees who earn IDR 7 million per month will require that their employers pay an extra IDR 140,000 per month per person in premiums.
Moreover, Apindo has also suggested that the government should postpone the enforcement of the new calculation method while it is still evaluating the implementation of the National Public Health Insurance (Jaminan Kesehatan Nasional - JKN) program, which has been operating since 1 January 2014. Mr. Sukamdani points to several issues that he believes need to first be carefully assessed before any increase in payable premiums can be considered. Mr. Sukamdani believes that poor service at hospitals should be improved, as many patients are still turned down for reasons which include a lack of vacant hospital rooms. Issues such as these place an unnecessary burden upon employers, because participants in the JKN program are failing to enjoy its benefits.
Another issue relates to the ineffective implementation of coordination of benefits (COB), which is causing employers to spend extra money registering their employees with private insurance programs. Moreover, the BPJS for Health is failing to effectively manage participants from the informal sector and self-employed workers, and this is resulting in an extremely high claim rate from these participants. According to Apindo data, the claim rate among informal sector and self-employed workers easily exceeds 300%, while claims made by underprivileged participants in the program currently amount to 80%, claims made by employees of government institutions amount to 100%, and claims made by employees of private entities amount to 70%.
“We [Apindo] have already sent letters to President Joko Widodo, the National Public Health Insurance Council (DJSN) and the BPJS for Health. Before increasing the payable premiums, it is better to thoroughly review the current practices followed by the National Public Health Insurance program instead,” emphasized Mr. Sukamdani during a press conference which was held at the DPN Apindo office in Jakarta on Thursday, 24 March 2016.
BayuWahyudi, Director of Inter-Institutional Relations, Communications and Legal Affairs for the BPJS for Health recently asserted that Presidential Regulation No. 19 of 2016 was aimed at maintaining the continuity of the JKN program as a whole, as well as improving its levels of service. After all, the BPJS for Health recorded an IDR 5 trillion shortfall as regards the disbursement of claims during the 2014-2015 period.
“The 2016 Regulation not only regulates for tariff adjustments for employees of private entities, but also underprivileged participants,” Mr. Wahyudi asserted from the House of Representatives/People’s Consultative Assembly building.
Meanwhile, Subiyanto, an employee-faction member of the DJSN, claimed that the DJSN had yet to initiate a discussion relating to Presidential Regulation No. 19 of 2016, although hopefully such a discussion will take place next week.
(for more information on Presidential Regulation No. 19 of 2016, see ILB No. 2838)
(rfs/sp)
Marcell Sihombing, Ady T.D. Achmad
The government has officially set an upper monthly salary threshold of IDR 8 million for the calculation of public-health-program insurance premiums payable by employees of private entities. However, a number of businesses have already expressed their opposition to Presidential Regulation No. 19 of 2016, claiming that the new calculation method will only increase the burden on employers, while any improvements made to the level of healthcare available will remain negligible.
Hariyadi B. Sukamdani, Chair of the National Management Council (DPN) of the Employer’s Association of Indonesia (Apindo) believes that the premium increase will place an extra burden of some 6-7% upon the shoulders of employers. Mr. Sukamdani compared the increase to the previous calculation set out under Presidential Regulation No. 12 of 2013, whereby the highest monthly salary amount to be used to calculate the premium was set at two times that of non-taxable income, or approximately IDR 4,725,000 (4% of which was to be paid by employers with the remaining 1% paid by participants].
Also commenting on this issue was Harijanto, Chair of Apindo’s Employment Division at the National Management Council, who asserted that the new calculation method has resulted in an increase to the upper threshold payable by employers, especially as regards employees who have a monthly salary of over IDR 4,725,000. By way of example, Mr. Harijanto estimated that employees who earn IDR 7 million per month will require that their employers pay an extra IDR 140,000 per month per person in premiums.
Moreover, Apindo has also suggested that the government should postpone the enforcement of the new calculation method while it is still evaluating the implementation of the National Public Health Insurance (Jaminan Kesehatan Nasional - JKN) program, which has been operating since 1 January 2014. Mr. Sukamdani points to several issues that he believes need to first be carefully assessed before any increase in payable premiums can be considered. Mr. Sukamdani believes that poor service at hospitals should be improved, as many patients are still turned down for reasons which include a lack of vacant hospital rooms. Issues such as these place an unnecessary burden upon employers, because participants in the JKN program are failing to enjoy its benefits.
Another issue relates to the ineffective implementation of coordination of benefits (COB), which is causing employers to spend extra money registering their employees with private insurance programs. Moreover, the BPJS for Health is failing to effectively manage participants from the informal sector and self-employed workers, and this is resulting in an extremely high claim rate from these participants. According to Apindo data, the claim rate among informal sector and self-employed workers easily exceeds 300%, while claims made by underprivileged participants in the program currently amount to 80%, claims made by employees of government institutions amount to 100%, and claims made by employees of private entities amount to 70%.
“We [Apindo] have already sent letters to President Joko Widodo, the National Public Health Insurance Council (DJSN) and the BPJS for Health. Before increasing the payable premiums, it is better to thoroughly review the current practices followed by the National Public Health Insurance program instead,” emphasized Mr. Sukamdani during a press conference which was held at the DPN Apindo office in Jakarta on Thursday, 24 March 2016.
BayuWahyudi, Director of Inter-Institutional Relations, Communications and Legal Affairs for the BPJS for Health recently asserted that Presidential Regulation No. 19 of 2016 was aimed at maintaining the continuity of the JKN program as a whole, as well as improving its levels of service. After all, the BPJS for Health recorded an IDR 5 trillion shortfall as regards the disbursement of claims during the 2014-2015 period.
“The 2016 Regulation not only regulates for tariff adjustments for employees of private entities, but also underprivileged participants,” Mr. Wahyudi asserted from the House of Representatives/People’s Consultative Assembly building.
Meanwhile, Subiyanto, an employee-faction member of the DJSN, claimed that the DJSN had yet to initiate a discussion relating to Presidential Regulation No. 19 of 2016, although hopefully such a discussion will take place next week.
(for more information on Presidential Regulation No. 19 of 2016, see ILB No. 2838)
Hariyadi B. Sukamdani, Chair of the National Management Council (DPN) of the Employer’s Association of Indonesia (Apindo) believes that the premium increase will place an extra burden of some 6-7% upon the shoulders of employers. Mr. Sukamdani compared the increase to the previous calculation set out under Presidential Regulation No. 12 of 2013, whereby the highest monthly salary amount to be used to calculate the premium was set at two times that of non-taxable income, or approximately IDR 4,725,000 (4% of which was to be paid by employers with the remaining 1% paid by participants].
Also commenting on this issue was Harijanto, Chair of Apindo’s Employment Division at the National Management Council, who asserted that the new calculation method has resulted in an increase to the upper threshold payable by employers, especially as regards employees who have a monthly salary of over IDR 4,725,000. By way of example, Mr. Harijanto estimated that employees who earn IDR 7 million per month will require that their employers pay an extra IDR 140,000 per month per person in premiums.
Moreover, Apindo has also suggested that the government should postpone the enforcement of the new calculation method while it is still evaluating the implementation of the National Public Health Insurance (Jaminan Kesehatan Nasional - JKN) program, which has been operating since 1 January 2014. Mr. Sukamdani points to several issues that he believes need to first be carefully assessed before any increase in payable premiums can be considered. Mr. Sukamdani believes that poor service at hospitals should be improved, as many patients are still turned down for reasons which include a lack of vacant hospital rooms. Issues such as these place an unnecessary burden upon employers, because participants in the JKN program are failing to enjoy its benefits.
Another issue relates to the ineffective implementation of coordination of benefits (COB), which is causing employers to spend extra money registering their employees with private insurance programs. Moreover, the BPJS for Health is failing to effectively manage participants from the informal sector and self-employed workers, and this is resulting in an extremely high claim rate from these participants. According to Apindo data, the claim rate among informal sector and self-employed workers easily exceeds 300%, while claims made by underprivileged participants in the program currently amount to 80%, claims made by employees of government institutions amount to 100%, and claims made by employees of private entities amount to 70%.
“We [Apindo] have already sent letters to President Joko Widodo, the National Public Health Insurance Council (DJSN) and the BPJS for Health. Before increasing the payable premiums, it is better to thoroughly review the current practices followed by the National Public Health Insurance program instead,” emphasized Mr. Sukamdani during a press conference which was held at the DPN Apindo office in Jakarta on Thursday, 24 March 2016.
BayuWahyudi, Director of Inter-Institutional Relations, Communications and Legal Affairs for the BPJS for Health recently asserted that Presidential Regulation No. 19 of 2016 was aimed at maintaining the continuity of the JKN program as a whole, as well as improving its levels of service. After all, the BPJS for Health recorded an IDR 5 trillion shortfall as regards the disbursement of claims during the 2014-2015 period.
“The 2016 Regulation not only regulates for tariff adjustments for employees of private entities, but also underprivileged participants,” Mr. Wahyudi asserted from the House of Representatives/People’s Consultative Assembly building.
Meanwhile, Subiyanto, an employee-faction member of the DJSN, claimed that the DJSN had yet to initiate a discussion relating to Presidential Regulation No. 19 of 2016, although hopefully such a discussion will take place next week.
(for more information on Presidential Regulation No. 19 of 2016, see ILB No. 2838)
(rfs/sp)