{
    "success": true,
    "data": {
        "id": 1674062,
        "msgid": "indonesian-residents-spend-rp-175-trillion-from-personal-funds-on-healthcare-1776070252",
        "date": "2026-04-13 15:25:21",
        "title": "Indonesian Residents Spend Rp 175 Trillion from Personal Funds on Healthcare",
        "author": "",
        "source": "TEMPO_ID_BISNIS",
        "tags": "",
        "topic": "Finance",
        "summary": "Indonesian residents funded 28.8% of total healthcare expenditure, amounting to Rp 175 trillion, from their own pockets in a significant out-of-pocket burden, primarily due to low uptake of health insurance products like BPJS or commercial options. The Financial Services Authority (OJK) is coordinating with the Ministry of Health to reduce this figure, while commercial insurance covers only 5% of spending, prompting calls for greater adoption to enhance efficiency and protection. Meanwhile, the Indonesian Life Insurance Association (AAJI) reported a 9.1% rise in health insurance claims to Rp 26.74 trillion in 2025, with new regulations expected to improve claim management and policyholder safeguards in 2026.",
        "content": "<p>The Executive Head of Insurance, Guarantee, and Pension Fund\nSupervision at the Financial Services Authority (OJK), Ogi Prastomiyono,\nrevealed that 28.8% of total healthcare spending is still financed from\nindividuals\u2019 personal funds. This amount reaches Rp 175 trillion.<\/p>\n<p>According to Ogi, the high healthcare costs sourced from personal\npockets are due to many residents not yet utilising health insurance\nproducts.<\/p>\n<p>\u201cSociety that has not used products for health programmes, whether\nBPJS or commercial health insurance, is still quite large. There are\n28.8% of total healthcare spending paid with their own money or termed\nas out-of-pocket, amounting to Rp 175 trillion,\u201d he said to reporters at\nThe Ritz-Carlton, Jakarta, on Monday, 13 April 2026.<\/p>\n<p>Ogi stated that OJK is coordinating with the Ministry of Health to\nreduce this figure. On the other hand, he mentioned that the portion\nfinanced by commercial insurance only reaches 5% of total healthcare\nspending.<\/p>\n<p>OJK hopes that more people will switch to commercial health insurance\nso they no longer use personal funds for treatment. \u201cOf course, they\nwill see the pros and cons, how the process is more efficient, better,\nand so on,\u201d he said.<\/p>\n<p>The Indonesian Life Insurance Association (AAJI) recorded total\nclaims paid in 2025 reaching Rp 146.73 trillion to around 9.59 million\nbeneficiaries. The value of these claims decreased by 7.8% compared to\n2024, influenced by a roughly 19% drop in surrender value claims.<\/p>\n<p>Meanwhile, health insurance claim payments increased by 9.1% with a\ntotal value of Rp 26.74 trillion, both for individual and group\nproducts. \u201cHealth insurance is one of the focuses of the life insurance\nindustry\u2019s transformation in 2026. Through the implementation of POJK\nNumber 36 of 2025, it is hoped that health claim management can become\nmore controlled while increasing protection for policyholders,\u201d said\nAAJI\u2019s Head of Training and Human Resource Development, Handojo Gunawan\nKusuma, in a press release on 13 March 2026.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/indonesian-residents-spend-rp-175-trillion-from-personal-funds-on-healthcare-1776070252",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}