The Implementation of Coordination of Benefit (COB) within Indonesian National Health Insurance System (BPJS Kesehatan)

Hilda Yunita Sabrie, Zahry Vandawati, Prawitra Thalib

2018

Abstract

The Indonesian national health insurance program is organized by BPJS Kesehatan with a compulsory membership covering the entire population of Indonesia; whom its implementation will be carried out by the government gradually. Participants of the health insurance program by BPJS Kesehatan are required to pay contributions as a premi in order to obtain health insurance benefits. The benefit in this case is social security to the right of participants and their families. Benefits of health insurance that can be obtained by these participants are individual health services, including promotive, preventive, curative and rehabilitation services, that includes health services and consumed medicine in accordance with the necessary medical needs. Benefits provided by BPJS Kesehatan in such a way, by some scholars, are considered to be unable to meet the health needs of the people. Therefore, the government provides this facilities in the form of Coordination of Benefit (COB) or benefit coordination between BPJS Kesehatan and Commercial Insurance in order to provide additional benefits of health services that have been obtained by BPJS Kesehatan participants’ by purchasing additional health insurance products for participants in need of health services improvement. However, the existence of this COB system can indicate the violation of Indemnity principle so that there is a need for a deeper analysis and more careful arrangement in implementing COB system.

Paper Citation

in Harvard Style

Sabrie H., Vandawati Z. and Thalib P. (2018). The Implementation of Coordination of Benefit (COB) within Indonesian National Health Insurance System (BPJS Kesehatan).In Proceedings of the International Law Conference - Volume 1: i-NLAC, ISBN 978-989-758-482-4, pages 18-23. DOI: 10.5220/0010051000180023

in Bibtex Style

@conference{i-nlac18,
author={Hilda Yunita Sabrie and Zahry Vandawati and Prawitra Thalib},
title={The Implementation of Coordination of Benefit (COB) within Indonesian National Health Insurance System (BPJS Kesehatan)},
booktitle={Proceedings of the International Law Conference - Volume 1: i-NLAC,},
year={2018},
pages={18-23},
publisher={SciTePress},
organization={INSTICC},
doi={10.5220/0010051000180023},
isbn={978-989-758-482-4},
}

in EndNote Style

TY - CONF

JO - Proceedings of the International Law Conference - Volume 1: i-NLAC,
TI - The Implementation of Coordination of Benefit (COB) within Indonesian National Health Insurance System (BPJS Kesehatan)
SN - 978-989-758-482-4
AU - Sabrie H.
AU - Vandawati Z.
AU - Thalib P.
PY - 2018
SP - 18
EP - 23
DO - 10.5220/0010051000180023