Health Insurance In Indonesia

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The definition of insurance is an effort made by a person to transfer risk from one side to another. According to Prof. Dr. Wirjono Prodjodikoro, defines insurance as an agreement that involves two sides, namely the insured and the insurer. The function of insurance is to compensate for losses or payment of benefits, so that insurance participants can reduce financial losses, in the unexpected events. In practice, insurance is carried out by a company engaged in the insurance sector.

An insurance company is a company that engaged in risk coverage services which provides compensation in the event of loss or damage and legal liability to third sides as policy holders in the event of an unexpected (uncertain) event. Some people used insurance companies as an alternative to investing.

In its implementation, the insurance company and the policy holder (customer) make a written agreement (contract), which includes the rights and obligations that will be borne by the insurance company with the customer (the insured). The contract usually regulates the amount of premium contributions that will be deposited by the customer and also the claims that will be received by the customer if a disaster occurs.

Meanwhile, according to Law No. 40 of 2014 concerning Insurance, the definition of health insurance is an agreement between two parties, namely the insurance company and the policy holder which is the basis for receiving premiums by insurance companies. Health insurance is an insurance product that specifically guarantees care and medical expenses when the policy holder (insurance member) falls ill or has an accident. There are two types of health services offered by Health Insurance Companies, namely outpatient and inpatient.
In Indonesia, health insurance companies are managed by state-owned national and private companies. In its implementation, health insurance products are implemented by social insurance companies, life insurance companies, and also carried out by general insurance companies.

One of the social insurance companies that provides health insurance to members is PT Askes Indonesia. PT (Company) Askes (Persero) Indonesia is an agency formed by the government which aims to manage health insurance in Indonesia. Members of PT Askes Indonesia consist of civil servants, both civil and non-civil servants. Retirees, wives and children of civil servants up to the age of 21 are also provided with health services through Askes Company.

The purpose of providing health services through insurance companies is the public can obtain adequate and satisfactory health services as needed. But all that will be adjusted to the amount of premium paid. Therefore, what needs to be considered is that all health insurance products must be right according to your needs. In practice, the process of paying for treatment using an insurance company will be easier, because some of these insurance companies have collaborated with some hospitals.


By : Admin