TheJakartaPost
Please Update your browser
Your browser is out of date, and may not be compatible with our website. A list of the most popular web browsers can be found below.
Just click on the icons to get to the download page.
Popular Reads
Top Results
No results found. Please check your search term and try again
Can't find what you're looking for?
View all search results
Popular Reads
Top Results
No results found. Please check your search term and try again
Can't find what you're looking for?
View all search resultsOJK makes U-turn on mandatory co-payment for health insurance
Change text size
Gift Premium Articles
to Anyone
Share the best of The Jakarta Post with friends, family, or colleagues. As a subscriber, you can gift 3 to 5 articles each month that anyone can read—no subscription needed!
Patients wait for medicines at a pharmacy at Yarsi General Hospital in Pontianak, West Kalimantan, on May 14, 2024. (Antara/Jessica Wuysang)
The Financial Services Authority (OJK) has backtracked on plans to make cost-sharing mandatory in health insurance policies.
Under the previous plan, based on Circular No. 7/2025 issued by the OJK in May, policyholders would be required to pay a minimum of 10 percent of bills, up to a cap of Rp 300,000 (US$18.13) per claim for outpatient services and Rp 3 million per claim for inpatient services.
The new rules announced on Thursday reduce the minimum portion policyholders must pay on their treatment bills to 5 percent from initially 10 percent under coinsurance policies. At the same time, insurers are required to also offer products without coinsurance.
“The risk-sharing percentage, or co-payment [share], needed to be lowered. So, the 10 percent [stated] in the circular we issued will be lowered to 5 percent,” said the OJK’s head of insurance, guarantee and pension funds Ogi Prastomiyono in a meeting with House of Representatives Commission XI, which oversees financial affairs, on Thursday.
The agency plans to enforce the new rules through the issuance of a new regulation on the health insurance ecosystem, which is to take effect three months after its issuance.
“If the [regulation] is issued by year-end 2025, we hope it starts to take effect in early April [2026],” Ogi said.
Read also: Consumer groups reject coinsurance mandate for healthcare policies
