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We also pay Rp.600,00 for a family of four.

I have used it but hardly at all so I have little personal experience. My wife uses it from time to time, but has only needed it once for anything serious. That unfortunate illness was looked after very nicely by BPJS.

My son gets the odd visit to a doctor, but it's all minor stuff. My daughter used it over around a year for an illness that was also well covered by BPJS. She hit the limit a couple of times so I had to contribute towards medication. Overall, I have to say it was pretty good.

It's cheap, easy, and the service I've experienced has been good.

Whoever it was that came up with the BPJS system - Thank you.

I pay 100,000rp per month for myself ,wife and son and get full coverage . They had 3 options when I applied , 35,000 , 100,000 and 150,000rp . The only difference with the prices was the room  , 35,000rp was a shared , 6-8 people per room , 100,000rp 4 per room and 150,000rp for a single room , My wife has had several hospital stays , specialists , dialysis etc and I've never seen a bill .  What are you getting for 600,000rp ?

As mentioned above, the main reason for us using BPJS is for me in case of heart attacks, stroke, major operations, joint replacement etc. I would definitely prefer a single room than be in a ward with 8 or 10 people where lots of visitors for other patients are making noise, eating food, kids running around, hearing people noisily chatting on their phones, spreading their coughs, flu, Covid or whatever etc.

My in-laws recently upgraded their coverage a few months ago. My mother in law needed knee replacement surgery and she was told that it was not covered by the cheaper coverage that you have. So we upgraded her. My father in law had a heart attack and a stent put in, and was also in a ward with 10 beds. Its was unpleasant for him being in a noisy room with so many other patients and visitors.

In the end it's a matter of choice. We don't mind paying Rp600k per month because we'd only save Rp460k by choosing the lowest level and we'd easily spend that eating out at Sushi Tei or some other restaurant and we eat out a lot.

I don't know how much a trigger finger operation costs over here, but in the UK it would cost upwards of £1,200 (Rp27 million) so just knowing that my BPJS contributions for the past year or two or three have not been for nothing is satisfying. Plus, I think it is mostly the poorest people who pay the Rp35k level and for people who are not in that position generally do pay for the Rp100k or Rp150k level.

Ultimately it's down to personal choice and what you can afford or want to spend. I haven't had knee or hip replacement or back fusion surgery but many of my friends back in the UK have, so if the Rp35k level doesn't cover it then that would be something important to consider.

I pay 100,000rp per month for myself ,wife and son and get full coverage . They had 3 options when I applied , 35,000 , 100,000 and 150,000rp . The only difference with the prices was the room , 35,000rp was a shared , 6-8 people per room , 100,000rp 4 per room and 150,000rp for a single room , My wife has had several hospital stays , specialists , dialysis etc and I've never seen a bill . What are you getting for 600,000rp ? - @joegroper

I went with the highest. The single room, if ill, provides peace and quiet.

I see that as invaluable for recovery as stress is always bad news. Wyngrove60 put that point very nicely in his post.

...What are you getting for 600,000rp ? - @joegroper

I would assume a 150K policy each for 4 family members.

Not having to share a toilet with 8 or 9 other patients along with their visiting family, children etc would be another good reason for having a single room.

Correction: You can get joint replacements with any level of BPJS.