BPJS for expat

0POSTS

8 years ago

Hello

聽聽聽聽聽聽Can anyone tell what is the difference between Class 1 , 2 and 3 on BPJS cards, I cant find any difference other then monthly premium amount.

Thank You

Raj

See also

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japuman Member

2POSTS

8 years ago

The difference is with the hospital service and facility, similar with the class in a hospital

Fred Indonesia Expert

30549POSTS

8 years ago

Class 1 is about 3rd class in a normal hospital.
Class2 lower
Class 3 ... last in line

So I'm informed by people that have experienced it.

japuman Member

2POSTS

8 years ago

Depens on the hospital, each is different

Gede Eka Sastrawan Member

14POSTS

8 years ago

The room grade and coverage are dirent for each grade.
Example :
Lowest grade : eligible for room share with 4 person.
Higest grade : eligible for vip room.
But if you enrolled in lowest grade you can uograde to vip and pay the diffrence.

Fred Indonesia Expert

30549POSTS

8 years ago

My wife has just been into hospital for an operation.
They tossed us to the top of the list because we were paying cash.
After cash come insurance, after insurance - BPJS.

Guestposter55 Guest

0POSTS

8 years ago

Like any place 鈥渃ash is King鈥�
It鈥檚 worth checking out who and who doesn鈥檛 accept BPJS, could well be all hospitals do, but I can鈥檛 be certain, it鈥檚 also worth looking at private insurance
If your not on a budget as such/ prepared to pay as you go your possibly better off using cash for speed of receiving treatment
Not sure if I鈥檓 allowed to name this hospital but starts with an A and ends in BROS, I have found the one I use outstanding

abdulkhalil Banned

684POSTS

8 years ago

BPJS is such a hassle. Better to take a policy with AXA or Prudential.

Fred Indonesia Expert

30549POSTS

8 years ago

Why not a local policy.
Try the banks, BCA and so on.
Locals use policies of that nature and they aren't dropping like flies so one has to consider the possibility we don't need to pay like crazy.
BCA do one where you pay for eight years but get ten years cover and all your premiums back at the end.
I assume they're making on the interest they generate from your cash so they can afford to be more than reasonable.
Always see what local are paying before you take out a crazy priced policy made for expats.

Fred Indonesia Expert

30549POSTS

8 years ago

#10

abdulkhalil wrote:
BPJS is such a hassle.

A lot of people disagree, especially the ones who are still alive because they had this insurance.
I won't touch the other two you mentioned.

Guestposter55 Guest

0POSTS

8 years ago

#11

I didn鈥檛 realise the local banks (or some of them) do health insurance, pretty obvious now I鈥檝e read it as most countries banks offer this service.
I鈥檝e been a member with BPJS but I鈥檝e never had to use it and it was a while back now and was a % of my salary (possibly that鈥檚 the case for expats with KITAS ?)
Many of the locals swear by it and plus it鈥檚 affordable for quite a few also

Guestposter55 Guest

0POSTS

8 years ago

#12

I鈥檝e just looked at the BCA one for interest starts at Rp119,000 per month and you can include spouse, kids etc, does exactly what Fred has said, definitely worth a look

Fred Indonesia Expert

30549POSTS

8 years ago

#13

Big tip - Expat insurance charge expat prices but local insurance is often just as good.
One well known expat aimed company used to hang around in posh shopping centres asking potential fools how much they wanted to pay but not a mention of benefits or price brackets. That particular one was talking in millions per month, as if I was stupid enough to take them on.
My middle finger wasn't used but they deserved more than the 'bugger off' I gave them for treating me as if I was stupid.

saridewi New member

5POSTS

8 years ago

#14

The difference if u r sick n need to hospitalize when u get no 1 the room will be only 2-4. If u get 2 the room for 3-5 people and for 3 rhe room share with more than 6.. Anda of course the facility different alsoe

abdulkhalil Banned

684POSTS

8 years ago

#15

Fred wrote:
abdulkhalil wrote:
BPJS is such a hassle.

A lot of people disagree, especially the ones who are still alive because they had this insurance.
I won't touch the other two you mentioned.

A lot of low income people use BPJS. They have no choice because they can't afford AXA or Prudential or other insurance companies.

Most of my wife's friends use Prudential. They are all Indonesian and they just don't bother with BPJS. Same here.

But each to his own.

By the way, Indonesians use Prudential and AXA and other insurance companies if they have the means. Low income use BPJS mostly. It's not just expats who use these companies, it's Indonesians too.

When we get sick we choose our hospital and get a private room. Don't like to share. If my kids get sick we use a private room and my wife usually sleeps over. We are just not interested in BPJS. But hey I'm off topic. The OP is asking about BPJS.