PREFACE

First of all, grateful for God's love and mercy for us.
Thanks to God to help me and give me a chance to finish the paper on time. And I want
to thank Mr. Sena Darmasetiawan as a lecturer who always taught us and gave a lot of
knowledge about how to practice English well.
This paper is one of the tasks of English that discussed the Health Insurance. I realize this
paper is not perfect. But I hope can be useful for us. Criticisms and advice you need here to make
this a better paper.
Hopefully we as a student at the "Faculty of Economics and Business" can understand all
about health insurance. thanks.

Denpasar, 4 December 2015

Author

TABLE OF CONTENTS
PREFACE...................................................................................................................................i
TABLE OF CONTENTS...........................................................................................................ii
CHAPTER I INTRODUCTION................................................................................................1
1.1

Background..................................................................................................................1

1.2

Problem Formulation...................................................................................................2

1.3

Destination...................................................................................................................2

CHAPTER II DISCUSSION.....................................................................................................3
2.1

The Definition of BPJS............................................................................................... 3

2.2

The System and the Implementation of BPJS.............................................................3

2.3

The benefits BPJS........................................................................................................4

CHAPTER III CLOSING..........................................................................................................5

3.1 Conclusion........................................................................................................................5
REFERENCES...........................................................................................................................6

CHAPTER I
INTRODUCTION
1.1

Background
The purpose of the state is to provide welfare for everyone. Whoever and whatever their

status, are entitled to welfare in his life. So the existence of the agency named BPJS (Badan
Penyelenggara Jaminan Sosial) is one way to meet the basic needs of a decent life and enhance
the dignity of the people of Indonesia towards the realization of a prosperous, fair and
prosperous.
BPJS is one of healthy insurance in Indonesia. This insurance doesn't always get good
responses from some occupant. Its because the service needs more time to get health services
card and many more. In some places in Indonesia, hundreds of people are willing to queue for
hours to get the health services card. In Bali BPJS isnt too exist because of the other insurance is
called JKBM.
Bali is generally still a few people who get health care because of various constraints
such as the low public awareness of the importance of health insurance program, workers not
wage earners are still not affordable. Therefore health care services to the insured person must
pay attention to the quality of service-oriented aspects of patient safety, the effectiveness of the
action, in accordance with the needs of patients and cost efficiency.
The Government should raise awareness of the quality control system implementation
services that include compliance with quality standards of health facilities, ensuring health care
process goes according to established standards and monitoring the health of the contribution of
participants. Minister of Health is also responsible for the assessment of health insurance
benefits, standard fare calculation, monitoring and evaluation of health services. BPJS focus on
strengthening institutional capacity in a sustainable manner, as the capital of the coverage and
improve the quality of service participants. Need to be addressed in order to provide a
comprehensive service quality excellence.

1.2

Problem Formulation
1.1.1 What is BPJS?
1.1.2 How the system and the implementation of BPJS?
1.1.3 What are the benefits BPJS?

1.3

Destination
1.3.1 To know what it BPJS
1.3.2 To find out about system and the implementation of BPJS
1.3.3 To ensure insurance benefits BPJS

CHAPTER II
DISCUSSION
2.1

The Definition of BPJS

BPJS is one of healthy insurance in Indonesia. This insurance doesn't always get good

responses from some occupant. Its because the service needs more time to get health services
card and many more. In some places in Indonesia, hundreds of people are willing to queue for
hours to get the health services card. In Bali BPJS isnt too exist because of the other insurance is
called JKBM.
Health care costs are extremely high and it can be hard for the average person to afford
health care. Large medical expenses could wipe out an individuals savings. To protect
individuals from this risk, health insurance can be purchased. Health insurance provides
protection against financial losses resulting from injury, illness, and disability. The purpose is to
provide coverage for emergency or routine medical expenses. Health insurance may cover
hospital, surgical, dental, vision, long-term care, prescription, and other major expenditures.
Coverage depends upon the policy because the terms vary among different health care policies.
Health insurance may be purchased by an individual, or through their employer. Some children
may be covered under their parents health insurance until they are 19 or while they are in
college. According to Personal Finance (Goldsmith, 2001), most (61%) Americans have
employer-based health insurance.
2.2

System And The Implementation Of BPJS

BPJS apply the rule that the card can only be activated week after registration accepted.

Though ill befall unexpectedly and could not be delayed. Furthermore, the reference to a
designated health service institutions Health BPJS too limited and inflexible. BPJS participant
may only select one health facility to obtain a referral and can not go to another faskes although
both cooperate with BPJS. Limitations that make it difficult for people who travel a lot and work
in far away places. Another problem is the complexity of the service flow BPJS for
implementing a tiered service flow, there are groups of people who use health BPJS only for the
treatment of diseases and not continuing dues, there are hospitals that refuse care penetima help

participants BPJS reason penuh.Sebelum to a hospital room, participants must first faskes to the
first level, namely health centers.
Many participants complained BPJS payment of medical expenses that are not borne
entirely by BPJS. BPJS should organize social security system based on the principles of
humanity, benefits, and social justice for all Indonesian people. many people are urging the
government to immediately improve the system and the implementation of the Health BPJS that
proper health care can be met.
2.3

Insurance benefits BPJS

1) Dues from each member of BPJS very affordable and also based on grade level has
been provided, therefore we are free to choose to live in accordance with the state of
our economy.
2) Health promised by the BPJS an individual guarantee which covers services such as
promotive, preventive, curative as well as the provision of medicines and other
medical materials consumables.
3) Such as ambulance services from one place to another in responsibility BPJS parties
so that we no longer need to think about costs.
4) Cost free for all kinds of diseases for all members BPJS.
5) The forensic services for members BPJS and Repatriation.

CHAPTER III
CLOSING
3.1 Conclusion
1. For the Hospital To be able to maintain or even improve the quality of service, both in
terms of administrative services, both outpatient medical services maupun rawat
hospitalization, as well as the completeness of infrastructure and facilities. Besides,
hendaknya memperbanyak training and education of quality services ranging from
knowledge and skills daily.
2. For the Government should further encourage efforts BPJS program socialization
through relevant agencies to the public.
3. For educational institutions are expected to be used as a reference in subsequent studies.
4. For officers are expected to further improve the performance, serving with heart,
professional, responsible and trustworthy.

REFERENCES
http://aiphss.org/health-insurance-national-social-security-system-jk-sjsnat-a-glance/
http://www.setetes.info/manfaat-bpjs-bagi-kesehatan/