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View all search resultsBPJS Kesehatan president director Prihati Pujowaskito said the agency had collected Rp 118 trillion in premiums as of September, while it had paid Rp 132 trillion in healthcare benefits, leaving a cash flow deficit of around Rp 14 trillion.
The death of a National Health Insurance (JKN) patient after waiting hours for a hospital bed, coupled with insensitive social media remarks by healthcare workers responding to his earlier complaint, has intensified scrutiny of Indonesia's strained healthcare system and professional ethics.
Indonesia’s universal healthcare program is coming under renewed strain as the Health Care and Social Society Agency (BPJS Kesehatan) revealed that claims have begun to outpace premium revenues. With the claim ratio reaching 111.86 percent as of February 2026, the imbalance signals growing pressure on the financial sustainability of the National Health Insurance (JKN) system.
Indonesia’s National Health Insurance (JKN) program is set to undergo a series of policy revamps to improve the quality and access to medical service, but there is still a long road ahead to truly achieve universal health coverage.
The country's social security system, now over 20 years old, might need reforms for an across-the-board upgrade to reflect contemporary conditions and trends, such as an aging population and a shift from traditional, family-based elderly care, as well as inclusion of a growing informal sector.
In a bid to enhance transparency and support data-driven policy-making, BPJS Kesehatan officially launched its 2024 sample data on Dec. 20. This year’s sample data covers general health, diabetes mellitus, tuberculosis, maternal and child health, and, for the first time, mental health.
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