- The financial balances of the Social Security Agency for Health (Badan Penyelenggara Jaminan Sosial Kesehatan – “BPJS Health”) are currently in the red due to a number of problematic factors, specifically: 1) Underpriced premium structures; 2) Self-Employed Workers (Pekerja Bukan Penerima Upah – “PBPU”) who only register when they are sick but who no longer make the relevant premium payments after they have received medical services; 3) Low rates of active PBPU (currently around 54%) while the insurance utilization rate remains very high; and 4) Catastrophic funding expenses which currently exceed 20% of total benefits.
- In an attempt to overcome the BPJS Health’s current financial deficit, the government is planning to implement the following policies: 1) Improvement of the BPJS Health’s management and systems; 2) Strengthening of the role of regional governments; and 3) Adjustment of the premiums of BPJS Health members.
- The new monthly premium rates which have been suggested by the Social Security Board break down as follows: 1) IDR 42,000 for Class III; 2) IDR 75,000 for Class II; and 3) IDR 120,000 for Class I. These new premium rates come into effect on 1 January 2020.
- However, it has been claimed that even these new premium rates will ultimately prove to be insufficient in terms of their ability to adequately reduce the program’s carry-over deficits from previous years. As a result, Indonesia’s Minister of Finance, Sri Mulyani, has suggested that the Class I and Class II premium rates should be further increased to IDR 160,000 and IDR 110,000 respectively. (kemenkeu.go.id)
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