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    Disagreement of BPJS: by Mafruhatun Nadhifah & Mayang Mustika Dewi Tarigan

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    Mayang Mustika Dewi Tarigan
    BPJS is a social security program established by the Indonesian government to provide health insurance and employment insurance. It has three categories of members: poor citizens who receive full subsidies, government/military employees who are partially covered by their employers, and independent workers who pay premiums themselves. However, there is disagreement with some aspects of BPJS, such as the monthly fees, uncertainty of coverage, penalties for late payments, lack of sharia oversight, and benefits going to conventional banks instead of participants.

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    Disagreement of BPJS: by Mafruhatun Nadhifah & Mayang Mustika Dewi Tarigan

    Uploaded by

    Mayang Mustika Dewi Tarigan
    37 views7 pages
    BPJS is a social security program established by the Indonesian government to provide health insurance and employment insurance. It has three categories of members: poor citizens who receive full subsidies, government/military employees who are partially covered by their employers, and independent workers who pay premiums themselves. However, there is disagreement with some aspects of BPJS, such as the monthly fees, uncertainty of coverage, penalties for late payments, lack of sharia oversight, and benefits going to conventional banks instead of participants.

    Original Description:

    tidak setuju tentang program bpjs

    Original Title

    Disagreement of BPJS

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    BPJS is a social security program established by the Indonesian government to provide health insurance and employment insurance. It has three categories of members: poor citizens who receive full subsidies, government/military employees who are partially covered by their employers, and independent workers who pay premiums themselves. However, there is disagreement with some aspects of BPJS, such as the monthly fees, uncertainty of coverage, penalties for late payments, lack of sharia oversight, and benefits going to conventional banks instead of participants.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    37 views7 pages

    Disagreement of BPJS: by Mafruhatun Nadhifah & Mayang Mustika Dewi Tarigan

    Uploaded by

    Mayang Mustika Dewi Tarigan
    BPJS is a social security program established by the Indonesian government to provide health insurance and employment insurance. It has three categories of members: poor citizens who receive full subsidies, government/military employees who are partially covered by their employers, and independent workers who pay premiums themselves. However, there is disagreement with some aspects of BPJS, such as the monthly fees, uncertainty of coverage, penalties for late payments, lack of sharia oversight, and benefits going to conventional banks instead of participants.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    of 7

    Disagreement of BPJS

    By
    Mafruhatun Nadhifah & Mayang Mustika Dewi
    Tarigan
    What is BPJS ?
    institutions established to organize social
    security programs in Indonesia according to Law
    Number 40 of 2004 and Law Number 24 of
    2011.
    Part of BPJS
    1. Indonesian National Health Insurance
    is a government program in the National Health
    Insurance Unit (JKN)

    2. Indonesian National Insurance of Employment


    is a public program that provides protection for
    workers to overcome certain socio-economic risks
    and their implementation using a social insurance
    mechanism.
    Member of BPJS
    Based on pasal 14 UU about BPJS , Every Indonesian citizen and foreign
    citizen who has lived in Indonesia for a minimum of six months must be a
    member of the
    - Health insurance contributions for residents registered by the regional
    government are paid by the regional government (poor and poor).

    - Health Insurance contributions for participants of Wage Recipient Workers


    (PNS, Members of the TNI / POLRI, State Officials, non-civil servants and
    private employees) are paid by the Employer who is deducted directly from
    the monthly salary received.

    - Non-Wage Workers (workers outside the work relationship or independent


    workers) and Non-Workers Participants (investors, companies, pension
    recipients, veterans, pioneers of independence, widows, widowers, orphans
    from veterans or pioneers of independence) are paid by the Participant
    concerned .
    Due of BPJS
    - To get class I facilities, the fee is Rp. 80,000 per person per
    month

    - To get class II facilities, the contribution is Rp. 51,000 per


    person per month

    -To get class III facilities, the contribution is Rp. 25,500 per
    person per month

    Notes : Payment of this contribution is made no later than the


    10th of every month and if there is a delay, an administrative
    penalty of 2 percent of the total contributions is due.
    BPJS is categorized into 3:

    1- PBI (Contribution Assistance Participants)

    Purely free with subsidies from the government for Indonesian citizens
    who have been recommended as citizens who cannot afford it.

    2- Non PBI is intended for PNS / POLRI / TNI / ABRI, organizations,


    institutions and companies. Funds are borne by the institution
    concerned and also partially borne by the participant.

    3- Mandiri

    Contribution premium with three class categories as mentioned.


    Main point disagreement of BPJS
    • set fees that will be paid by the community every month
    • Providing protection for the socio-economic risks that afflict
    participants (uncertainty)
    • claims that the goal is that people "help" each other
    • Funds collected from the public by the BPJS are deposited
    in selected Conventional Banks, which also to get the
    benefit
    • BPJS participant that dies, the right to get BPJS funds will be
    automatically terminated.
    • Give sanctions or fines for participants who are in arrears
    or late in paying premiums
    • There is no sharia supervisory body (BPS) yet and there is
    no audit by the National Sharia Board (DSN)

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