Table of contents:
- So what if you are late in paying insurance premiums?
- 1. Membership status will be temporarily suspended
- 2. Fines
- 3. Membership status is blocked
When you are registered as an insurance member, this means that you have agreed on the rights and obligations that you make with the insurance company. This is so that you can take full advantage of this insurance and the process runs smoothly. One of the obligations that you must comply with is to pay premiums, aka insurance contributions on time. Don't be late to pay insurance premiums.
So what if you are late in paying insurance premiums?
1. Membership status will be temporarily suspended
Paying premiums on time is the most important obligation of the insurance participant. If you are late in paying premiums, this will affect your membership status.
The insurance company will stop your membership status temporarily until you pay the agreed premium or contribution. If your membership status is inactive, then this means you cannot use the insurance, aka the claim will be rejected.
This also applies to those of you who are registered as participants of the National Health Insurance - Healthy Indonesian Card (JKN-KIS) from BPJS Kesehatan. In accordance with Presidential Regulation No. 28 of 2016 concerning Health Insurance, if BPJS participants are late to pay premiums, aka BPJS contributions for one month, the insurance to participants will be temporarily suspended.
This guarantee will be active again after you pay off all arrears and pay dues on time. After that, you will be able to return to use the health services guaranteed by the BPJS in accordance with the applicable regulations.
2. Fines
For those of you who like to pay insurance premiums late, be careful you can be fined. This includes those of you who are registered as members of BPJS Kesehatan.
Based on Presidential Regulation No. 28 of 2016 concerning Health Insurance, the maximum limit for late payment of insurance premiums is 30 days. Take it easy, you will not be subject to fines when paying off the BPJS contribution bill.
However, after you pay off arrears, you cannot use a BPJS card for inpatient services 45 days after the BPJS card is active again. If within 45 days you need inpatient services that are guaranteed by BPJS Health, then you will be subject to a fine of 2.5 percent of the total cost and multiplied by the number of months in arrears.
For example: You are registered as a class I individual BPJS participant and are late paying dues for 3 months. Then, you must be hospitalized for a total cost of 20 million rupiah. So, you will be fined 2.5 percent of the total arrears, so that the amount of fine you have to pay is 1.5 million rupiah.
As a solution, you should wait 45 days after your BPJS Health card is active again. That way, you can take advantage of inpatient services smoothly without being burdened with fines.
3. Membership status is blocked
If you continue to pay premiums late and never pay them, the worst possibility is that your membership status will be deactivated. This means that you can no longer take advantage of the insurance you have at any health service.
Based on the standard policy provisions of the Indonesian General Insurance Association (AAUI), payment of premiums or insurance contributions must be paid in full within 30 days. If you exceed that time and the fees are still in arrears for a certain period of time, then your membership status will automatically be automatically canceled.
As a result, you have to make insurance again from scratch and comply with the obligations that have been agreed upon with the insurer. So that this does not happen, make sure you always pay premiums on time, yes!
