BPJS is Increasingly Suffocating

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The legalization of UU BPJS Act on October 28th 2011 (Badan Penyelenggara Jaminan Sosial or Social Security Providers) gave no significant change for the fulfilling of right to health of all Indonesians. This act legalization was the success of labor union struggle and its networks that is joined in Social Security Action Committee (Komite Aksi Jaminan Sosial or KAJS).

bpjsHowever, the legalization of an act in the situation when labors are not politically powerful yet will create the risk of misappropriation in the level of implementation. BPJS reaps a lot of rejection, both from the activist group that demands true sosial security (not social insurance) and the well-established group that is entrenched in PT Jamsostek (State-owned insurance company). After its legalization, the compromise with the officials of PT Jamsostek could be reached. This elite then is included in the BPJS board of commissioners and managements.

The issue was started with various rejection cases of BPJS patients done by the hospital. It included the neglection of a mother named Lusiana and her baby in December 2014. The regulation of BPJS No. 4 of 2014 enacts a 7-day activation period of BPJS card. Lately, the activation period is added into 14 days. It means, new BPJS card is applied after 14-day of registration.

BPJS contributions of formal workers by 5% of salary in which the 4 % comes from the enterpreneur and 1 % comes from the labor’s salary to guarantee the labors and their families. Until last January 2015, Health BPJS had just recorded 4.8 million formal workers as BPJS participants. That means only 11% from the total of 47 million formal workers. For informal workers, they are charged fees of IDR 25,000 for class III, IDR 42,500 for class II and IDR 59,000 for class I per month for each people. There are 70 informal workers in Indonesia that have no job security.

In 2016, BPJS will increase the sum of aid for dues recipients, from IDR 19,225 becomes IDR 27,500. However, BPJS plans to increase each tuitions of 10 thousands for each class. This ascension will be certainly more suffocationg for the informal workers who bear not only health costs for their own, but also for their families.

In this situation, BPJS which is said to be unlimited, apparently still charges additional cost for the patients by all means. A worker in the industrial area of EJIP Cikarang who suffered traffic accident, reported that he was charged medical charge limit by only IDR 20 million. Whereas, that cost was not enough to endure the operating expenses of IDR 80 million. Certain drugs still had to be bought by himself. If The Readers want, other cases could be read from online medias and forums, such as Kaskus.

Government admitted that they had deficit of IDR 1.5 trillion, but also actively allocated BPJS fund for investment. It is including the investment in PT Semen Indonesia that condemned the lands of Rembang farmers. In the future, the fund of BPJS reaching IDR180 trillions is going to be invested in residential building program. Nowadays, about IDR 360 billion is ready to be invested in the program of cheap residential establishment. Even The President Joko Widodo will revise the regulation that allows the residential investment from the maximum of 5 % of BPJS fund into 50 % of BPJS.

Whereas, this kind of property investment has highly risk while purchashing power of Indonesian citizen is still low. American Crisis on 2008 was also triggered by bad housing loans.

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