Indonesia: Health insurance scheme plagued by unhealthy lifestyles

The growing deficit in Indonesia's national health insurance scheme BPJS Kesehatan can be largely attributed to the fact that 82% of households in the country lead unhealthy lifestyles, according to a report from Jakarta Globe citing health minister Nila Moeloek.


Data from BPJS Kesehatan shows that treatment for non-communicable diseases and critical illnesses make up most of its annual expenses. 

The government agency spent IDR78tn ($5.5bn) from 2014 to 2018 or around 17% of its total expenses to provide treatment for heart disease, kidney failure and cancer. In the same period, it accumulated over IDR9tn in deficit. 

The Health Ministry considers a household to be healthy if they meet 12 indicators, including having health insurance; following the family planning programme; giving birth in a hospital; monitoring the children's growth and development; breastfeeding children whenever possible; ensuring children are fully immunised; having access to a latrine and clean running water; family members suffering from tuberculosis  must undergo treatment; and family members suffering from hypertension must get regular check-ups. 

According to Ms Nila, only 18% of families meet all the indicators based on a recent family survey. As a result, many diseases that could have been prevented by following a healthier lifestyle are now affecting many Indonesians.

A non-smoking household also scores high in the ministry's health rating.  However, two-thirds of Indonesia’s adult population are smokers and it is estimated that smoking-related diseases kill around 226,000 Indonesians every year, according to global watchdog The Tobacco Atlas.

Ms Nila also said that Indonesians should get a medical check-up every six months or at least once a year.

Sumber: Asia Insurance Review

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