BPJS Kesehatan – finally in the black

16
BPJS
Catastrophic illness remains the biggest liability for BPJS Kesehatan. (IO/Pramita Hendra)

Jakarta, IO – After audits are completed, the 2021 finances of the Health Social Security Administrator (Badan Penyelenggara Jaminan Sosial Kesehatan – “BPJS Kesehatan”) are declared as “healthy”, i.e. zero deficit. On 31 December 2021, BPJS Kesehatan net assets totaled IDR 38.7 trillion, a healthy figure that allows it to pay maximum claims for the subsequent 5.15 months. According to Government Regulation Number 84 of 2015, Social Security Financial Assets are considered to be “healthy” if they cover full payment of all claims for at least the following 1.5 months, or at most for 6 months ahead. 

This is BPJS Kesehatan’s first surplus since it started operations in 2014. Previously, its net assets reported a deficit of IDR 51 trillion in 2019, and another deficit at IDR 5.69 trillion in 2020. “To repeat: this is the very first time BPJS Kesehatan did not suffer a deficit. Our cash flow is positive,” declared BPJS Kesehatan’s President Director, Prof. dr. Ali Ghufron Mukti, MSc., Ph.D, in Jakarta, Tuesday (05/07/2022). 

The factors that improved BPJS Kesehatan financial health include: a subdued number of visits of BPJS Kesehatan beneficiaries to hospitals during the Covid-19 pandemic, adjustment of fees in 2020, and expansion of possible payment channels available for people to pay National Health Security-Healthy Indonesia Card (Jaminan Kesehatan Nasional-Kartu Indonesia Sehat – “JKN-KIS”) fees. 

Prof. Ali went on to report that catastrophic illness remains the biggest liability: “Our health security liability per 2021 was IDR 90.33 trillion. That is our spending for health claim. We need to report that our expenditure for catastrophic illness is a whole 25% out of the total health security expenses,” he said. “BPJS Kesehatan spends most on treatments for heart disease (IDR 8.671 trillion), cancer (IDR 3.50 trillion), stroke (IDR 2.163 trillion), kidney failure (IDR 1.781 trillion), thalassemia (IDR 604.6 billion), hemophilia (IDR 590.6 billion), leukemia (IDR 364.6 billion), and cirrhosis of the liver (IDR 238.4 billion) last year.”