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As an expat living in Indonesia, navigating local healthcare options is essential, and one of the most accessible and affordable options available to both locals and expats is . In this blog, we will cover what BPJS is, how to apply for it, what it covers, and its associated costs, especially for expats living in Bali and Uluwatu.
What is BPJS Kesehatan?
BPJS Kesehatan is a mandatory health insurance program in Indonesia that offers basic health coverage for its citizens and eligible residents, including expats. It’s a government-backed insurance scheme that allows people to receive healthcare services at a very affordable rate.
Who is Eligible for BPJS?
As an expat, you are eligible to enroll in BPJS if you meet one of the following criteria:
1. You hold a KITAS (Temporary Stay Permit) for six months or longer.
2. You own a company in Indonesia and have a KITAS through your business.
Both personal KITAS holders and company owners who have a KITAS are eligible to apply for BPJS.
How to Apply for BPJS?
Once you're eligible, applying for BPJS is relatively straightforward. Here’s a step-by-step guide:
1. Register for BPJS:
- You can register through the BPJS website, mobile app, or by visiting the nearest BPJS office.
- Fill out the required forms and submit necessary documents, including your KITAS.
2. Choosing a Clinic:
- After registering, you’ll be assigned a few clinic options based on your location.
- You must choose one clinic where you will seek primary care for any medical issues.
3. Receiving Care:
- Whenever you need medical attention, you will first visit the designated clinic.
- Upon arrival, show your BPJS card and wait for your assigned number to be called.
- You’ll see a General Practitioner (GP), who will either treat your condition directly or refer you to a hospital for further care.
4. Referral to Hospital:
- If your GP deems it necessary, they will refer you to a hospital.
- You’ll receive a referral letter with an appointment date.
- Bring the referral letter to the hospital for your appointment.
- Both the doctor’s visit and the majority of medications prescribed at the hospital are typically covered under BPJS.
What is Covered Under BPJS?
One of the best aspects of BPJS is its comprehensive coverage. Here’s what’s typically covered:
- Doctor's visits: Both at the clinic and referred hospitals.
- Hospital care: This includes emergency services, inpatient care, surgeries, and follow-ups.
- Medication: Most medications prescribed during your visit are free, though some might not be covered and will need to be purchased separately.
Costs of BPJS
The cost of BPJS varies depending on your circumstances:
1. For personal KITAS holders: If you’ve held your KITAS for at least six months and apply individually, the cost of BPJS is IDR 150,000 per month.
2. For company owners: If you’re applying through your company, the cost is slightly higher, at IDR 300,000 per month. This fee typically covers you and one additional employee.
Why BPJS is a Great Option for Expats
BPJS Kesehatan provides expats with a simple, low-cost healthcare solution in Indonesia. With it, you have access to:
- Affordable medical care: From routine check-ups to major surgeries.
- Wide network of clinics and hospitals: Including quality facilities.
- Peace of mind: Knowing you’re covered for most medical needs during your stay in Indonesia.
Real Experience: A Step-by-Step Guide for Using BPJS
Once you have your BPJS card, here’s how to navigate the system:
1. Visit Your Clinic:
- Whenever you need medical assistance, go to your assigned clinic, preferably early in the day.
- Show your BPJS card and wait for your number to be called.
2. Consultation with a GP:
- You will meet with a GP who will assess your condition. If it’s something that can be treated on the spot, the GP will handle it.
- For more severe issues, the GP will give you a referral to a hospital.
3. Hospital Visit:
- On your hospital appointment day, bring the referral from the clinic.
- After consultation, the hospital doctor will advise if a follow-up is necessary.
- All consultations, examinations, and most medications will be covered by BPJS, though certain medications may incur additional charges.
Conclusion
BPJS is an excellent option for expats living in Indonesia, providing affordable healthcare and peace of mind. Whether you’re holding a personal KITAS or a business owner with a KITAS, BPJS offers an easy, straightforward way to access medical services throughout the country.
Take the time to register for BPJS to ensure that you’re protected while living in Bali or anywhere in Indonesia.
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