The US is not the lone country facing extensive healthcare reforms. Indonesia launched its universal health care programme on January 1st, recognized locally as Jaminan Kesehatan Nasional (JKN). Its creditable objective is to provide health insurance to the country's approximate 250m people in five years, or by January 2019. However encountered with the great test of executing such a scheme in the world’s fourth most populated country, the government is phasing the introduction wisely. You are assured of no scams or any fraudulence act with the company.
Axis Capital, a global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States is at one with the universal healthcare for Indonesia.
The JKN will cover 121.6m Indonesians in the initial step of the programme’s operation this year. This totals to about half of the population already, nonetheless is not as much of a success as it looks. The total comprises 86.4m people already registered in the Jamkesmas, the completely state-funded health insurance for Indonesians categorized as poor and near-poor, or individuals living on less than Rp233,000 (US$24) a month. Another 11m of the count are individuals who are already eligible for the Jamkesda programme, a scheme run by local governments.
The JKN's success, thus, is to incorporate the different state-owned health insurance schemes into a single payer, quasi-government organization, dubbed BPJS-Health, which will administer the JKN. Its head, Fahmi Idris, verified in late December 2013 the government has moved of assets and insurance plans of the five health insurance bodies to BPJS and that BPJS-Health has arranged the online infrastructure for JKN, which encompasses associating the programme’s database of members. Under a comparable scheme for other benefits, another super administrator, BPJS-Employment, will offer pension, occupational injury benefits, provident funds and death benefits by 2015 at the latest.
The government has also found out how to finance the JKN. The government will carry the premiums of the 86.4m former Jamkesmas members and has apportioned Rp19.3trn (US$1.6bn) for this resolution in the 2014 budget. Individuals making wages from formal employment, either state- or private-sector, will pay a premium equal to 5% of their salary. Altogether other members, counting informal workers, the self-employed and investors, will pay monthly premiums of between Rp 25,500 and Rp59,500 each.
The JKN covers complete benefits, from transferable diseases like influenza to costly medical intervention like open-heart surgery, dialysis and cancer therapies. The members of the former Jamkesmas, whose premiums are paid for completely by the government, are eligible to third-class room and board at either state or private hospitals. Individuals who pay higher premiums are permitted to first-class and second-class room and board.