Well, I have already contributed. My point is that even if I was 'allowed' to participate in BPJS as a retiree my medical needs are not the same as a 30 y/o indonesian. I have my anual physical performed by my doctor when I am back in the US. He has my medical history at his fingertips. I will admit that I am no expert on the Indonesian medical system. I do have a doctor here that I see when required. Cost is so small it is not even worth filing a claim with my expensive private insurance that I am required to have to meet the requirements to be alowed in as an 'old bule'. The important issue for me is medivac and repatriation of remains. You can purchase this sort of coverage from Air Med. Not inexpensive. The income requirement for a retirement visa is $1500 US per month, you must rent a place to live (they tell you how much $$$ depending where you live), you must hire one Indonesian helper. You must renew your KITAS every year and get a one year exit rentry permit (current cost 9.5 juta including required liability insurance). Medical insurance, food, transport. Time it's all said and done, if you are only making $1500 a month from your pension, there isn't a lot left. My medical insurance including medivac and repatration runs $1400 per year.