BPJS for expat

The difference is with the hospital service and facility, similar with the class in a hospital

Class 1 is about 3rd class in a normal hospital.
Class2 lower
Class 3 ... last in line

So I'm informed by people that have experienced it.

Depens on the hospital, each is different

The room grade and coverage are dirent for each grade.
Example :
Lowest grade : eligible for room share with 4 person.
Higest grade : eligible for vip room.
But if you enrolled in lowest grade you can uograde to vip and pay the diffrence.

My wife has just been into hospital for an operation.
They tossed us to the top of the list because we were paying cash.
After cash come insurance, after insurance - BPJS.

Like any place “cash is King”
It's worth checking out who and who doesn't accept BPJS, could well be all hospitals do, but I can't be certain, it's also worth looking at private insurance
If your not on a budget as such/ prepared to pay as you go your possibly better off using cash for speed of receiving treatment
Not sure if I'm allowed to name this hospital but starts with an A and ends in BROS, I have found the one I use outstanding

BPJS is such a hassle. Better to take a policy with AXA or Prudential.

Why not a local policy.
Try the banks, BCA and so on.
Locals use policies of that nature and they aren't dropping like flies so one has to consider the possibility we don't need to pay like crazy.
BCA do one where you pay for eight years but get ten years cover and all your premiums back at the end.
I assume they're making on the interest they generate from your cash so they can afford to be more than reasonable.
Always see what local are paying before you take out a crazy priced policy made for expats.

abdulkhalil wrote:

BPJS is such a hassle.

A lot of people disagree, especially the ones who are still alive because they had this insurance.
I won't touch the other two you mentioned.

I didn't realise the local banks (or some of them) do health insurance, pretty obvious now I've read it as most countries banks offer this service.
I've been a member with BPJS but I've never had to use it and it was a while back now and was a % of my salary (possibly that's the case for expats with KITAS ?)
Many of the locals swear by it and plus it's affordable for quite a few also

I've just looked at the BCA one for interest starts at Rp119,000 per month and you can include spouse, kids etc, does exactly what Fred has said, definitely worth a look

Big tip - Expat insurance charge expat prices but local insurance is often just as good.
One well known expat aimed company used to hang around in posh shopping centres asking potential fools how much they wanted to pay but not a mention of benefits or price brackets. That particular one was talking in millions per month, as if I was stupid enough to take them on.
My middle finger wasn't used but they deserved more than the 'bugger off' I gave them for treating me as if I was stupid.

The difference if u r sick n need to hospitalize when u get no 1 the room will be only 2-4. If u get 2 the room for 3-5 people and for 3 rhe room share with more than 6.. Anda of course the facility different alsoe