Healthcare and insurance should be part of it. But how exactly are the Indonesian healthcare system and insurance conditions? Indonesia's healthcare might not be the best and has a lot of situations that need to be perfect. But that does not mean you don't need it. So, here are some things to know:
About Healthcare In Indonesia
1. Public
Indonesia is big, but the best public facilities are mostly limited to the capital city, Jakarta. On the other hand, standard local medical care is widely distributed in all parts of Indonesia. However, the quality can be poor and the place tends to be overcrowded with long waiting times. Expats can be treated in local public hospitals, but communication can be an issue and payment is higher than normal.
2. Private
Private healthcare in Indonesia is bound to have higher standards compared to public ones. It is also known to be up to Western standards, making it the best option for healthcare. But again, the cost is higher. This option mostly boasts of providing superior amenities, facilities, and services. Many expats also prefer neighboring countries, such as Singapore.
3. Pharmacies
Apotik, or pharmacies, are easily found in every part of Indonesia. It is scattered in all major cities as well as provided under varying brands or names. Some known names are Guardian, Century, and Kimia Farma, with local chains. These places offer prescription or non-prescription medications; some even have doctor services or small health checkups.
Health Insurance
Regardless of the healthcare options, Indonesian healthcare insurance might help meet several needs for medication. Indonesian healthcare, known as JKN (Jaminan Kesehatan Nasional) or BPJS (Badan Penyelenggara Jaminan Sosial), is a government-owned option to consider. But again, there is also private insurance for bigger coverage.
In this case, JKN and BPJS only offer basic medical treatment and facilities. Thus, patients still need to queue in the process. The good thing is, the program or insurance enrollees include expats as long as they are part of the employment sector. Everyone can join and get treatment. But the patient needs to visit a clinic or hospital before getting serious treatment (except going straight to the emergency room).
How do expats qualify for insurance?
Both public, government-owned, or private insurance is available for expats. The process might be different. With the JKN program, you should claim eligibility and work in Indonesia for at least six months. As an employer, the cost will automatically be deducted from the salary. The amount is around 5% of the monthly salary, with 4% paid by the employer and 1% by the employee.
Expats can get the best healthcare in Indonesia through group practice medical clinics, or almost like small hospitals (together with other expats). It takes care of most medical concerns and has a wide range of specialties to help communicate and give the best services. Other than that, it is relatively easy to find a doctor and pay a visit. Most of the problems are likely related to language and communication.
As said in the article, the healthcare system is still something one needs. As foreigners and expats, this healthcare insurance and coverage could help in the future. Please understand Indonesian healthcare, how to enroll, and how to get the most out of it. So, you can save all the problems for the worst.
