BPJS Kesehatan, Asuransi Kesehatan Murah Meriah!

"Health is not everything, but without health, everything is nothing"
(Schopenhauer, 1788-1860, German philosopher)

Ungkapan di atas saya rasa akan disetujui oleh hampir semua orang, kesehatan itu memang bukan segalanya, tetapi tanpanya segala yang ada bukan apa-apa! Berapa pun uang serta harta yang kita punya, apabila sebuah kata yang bernama “sehat” itu tidak ada, emas segunung pun habis!

Kartu BPJS KesehatanSumber gambar: media.viva.co.id

Apa itu BPJS Kesehatan?
Pernah dengar ASKES? Nah, sejak tanggal 1 Januari 2014 ASKES telah berubah nama (dan juga fungsi) menjadi BPJS Kesehatan. Secara singkat fungsi dari badan ini adalah menjadi asuransi kesehatan bagi seluruh WNI dan juga WNA yang telah bermukim di RI selama minimal 6 bulan (Pasal 14 UU BPJS).

Jadi, siapapun yang termasuk dalam paragraf di atas wajib menjadi anggora BPJS Kesehatan serta berhak menerima jaminan (asuransi) pelayananan kesehatan atas dirinya.

Menjadi peserta BPJS tidak hanya wajib bagi pekerja di sektor formal, namun juga pekerja informal seperti seperti wiraswasta, investor, petani, nelayan, pedagang keliling, dan lainnya. Jadi siapapun itu, wajib mendaftarkan dirinya dan membayar iuran sesuai dengan tingkatan manfaat yang diinginkan.

Jaminan kesehatan secara universal diharapkan bisa dimulai secara bertahap pada 2014 dan pada 2019, diharapkan seluruh warga Indonesia sudah memiliki jaminan kesehatan tersebut. BPJS Kesehatan akan diupayakan untuk menanggung segala jenis penyakit namun dengan melakukan upaya efisiensi.

Beda BPJS Kesehatan Dengan Jaminan Kesehatan Lainnya
Jakarta punya KJS (Kartu Jakarta Sehat), sebuah mekanisme pemerintah daerah untuk menjamin warganya mendapatkan pelayanan kesehatan atas dirinya, beberapa pemerintah provinsi lain juga banyak yang punya jaminan serupa. Tetapi, sepengetahuan saya KJS ini apabila misalnya kita harus di-opname, kita ditempatkan di kelas 3 atau setingkatnya. Nah, tidak semua kan mau apabila dirawat tidur di kelas 3 toh?

Lalu apa solusinya? Asuransi kesehatan lah! Tetapi mungkin tidak semua mampu membayar premi asuransi kesehatan yang ditawarkan perusahaan swasta kan? Disinilah BPJS Kesehatan berperan, kita bisa memilih mendapatkan layanan asuransi kesehatan sampai dengan ruang rawat kelas 1 di rumah sakit tetapi dengan biaya premi yang bisa dibilang murah serta dapat ‘dicicil’ setiap bulan. Hebat kan? :) Saya rasa kebijakan ini luar biasa bagus, jadi mungkin “kue pasar” yang bisa diambil oleh perusahaan asuransi swasta masih ada untuk ruang rawat kelas VIP & VVIP.

Beberapa link yang mungkin bisa membantu untuk tahu lebih jauh:

Nah, mungkin kalau dibuat jargon dalam iklan bisa berbunyi begini, “Hanya dengan kurang dari 60 ribu rupiah per bulan, bisa dapat ruang rawat kelas satu!” dan ini benar adanya serta dijamin oleh undang-undang. Iuran untuk fakir miskin akan disubsidi pemerintah, untuk mereka yang tidak mau disebut fakir miskin, silahkan bayar rutin ke bank! :)

Bagaimana Cara Mendapatkanya?
Dari info yang saya telusuri serta terima, cara paling mudah adalah sebagai berikut;

  1. Mendaftar Online
    Langsung ke pendaftaran online di website BPJS Kesehatan. Dokumen yang harus disiapkan bisa juga dilihat pada halaman pendaftaran.
  2. Membayar Iuran (Premi)
    Pembayaran iuran dengan besar yang sudah ditentukan pemerintah dapat dilakukan ke bank yang ditunjuk BPJS Kesehatan, yaitu Bank Mandiri, BNI, dan BRI. 
  3. Mengambil Kartu Anggota
    Langkah berikutnya adalah mengambil kartu keanggotaan di kantor-kantor BPJS Kesehatan di setiap daerah/wilayah, untuk alamat bisa dilihat pada web-nya.

Nah, setelah memegang kartu tersebut, apabila Anda sakit dan perlu dirawat, tinggal datang ke rumah sakit (2019 nanti semua rumah sakit di nusantara ini bisa menerima), menunjukkan kartu dan langsung dirawat tanpa harus memikirkan uang muka, biaya dan sebagainya. Asik kan? :)

Satu hal yang jangan lupa, iuran keanggotaan harus dibayarkan per bulan sebelum jatuh tempo setiap tanggal 10. Saya juga belum mencari tahu lebih lanjut, untuk menghindari lupa apakah iuran ini bisa dibayarkan per tahun atau juga bisa dibuat auto debet.

Dari informasi yang saya dengar setelah berbincang dengan beberapa teman, pada tahun 2014 ini katanya BPJS Kesehatan masih terbatas di wilayah DKI Jakarta (pilot project), secara bertahap ini akan terus dikembangkan sampai bisa mencakup seluruh Indonesia pada tahun 2019. Bahkan, bukan hanya rawat inap, rawat jalan pun kita bisa dijamin bahkan sampai pada praktek dokter partikelir/individual sekalipun. Jadi ya mungkin agak2 mirip dengan social security di Amrik sana lah.

Sebagai layanan yang masih muda umurnya, wajar saja mungkin masih banyak kekurangan disana-sini. Tetapi yang saya salut, ternyata pemerintah sudah demikian serius memikirkan rakyatnya.

Jadi, tunggu apa lagi freelancer? Ato daftar jadi anggota BPJS Kesehatan segera!

Info dan pertanyaan lebih lanjut bisa mengirim email ke BPJS Kesehatan atau menghubungi phone hotline 24 jam di 021 500 400.



Penulis:
Budi Nusyirwan untuk Komunitas IdEA (Indonesia Envato Authors)
(Tulisan akan selalu di-update apabila diperlukan)

FREE on February: Space Background

Here is it!

Grab the free file on February. The Space Background by Charles Perrault. By downloading the Space Background, you will get JPEG and PSD Files. With 3000 x 2000 pixel dimensions plus 300 dpi, then it is big enough to be desktop wallpaper or used into your projects.

Don’t think to much! Grab it now. Only in February.

Space Background

Created by: Charles Perrault
Graphics Files Included: JPG Image
High Resolution: No
Layered: No
Minimum Adobe CS Version: CS
Pixel Dimensions: 3000x2000

Download link

Thank you!

Best Item Turn of the Year from IdEA

Is it that Worth to be a member of IdEA (Indonesian Envato Authors)?

This is my personal experience as long as I become one of IdEA (Indonesian Envato Authors)’s members. //—As long as you love me… Syalala…

Well, where did the story has to begun?

Okay. One day, in the Saturday lazy morning. I wake up and am yawning in my bed. Try to roll my eyes. Let the sun goes down into my spirit.

On that time, my eyes was blinking. And keep blinking until… I found the white handbook beside, was opened and shown me the big short text:

Good program to fulfill my piggy bank faster!

I was trying to reach the handbook by claps my bed with a pillow. But, it’s useless. The book didn’t want to coming up. Then, I did use my foots. And HAPPP! I got it.

//—Hmm… Let’s make it a short fairy tale story.

The happy ending story is, I become a member of IdEA (Indonesian Envato Authors).

So, what?! Everyone has their communities. Then, how big IdEA (Indonesian Envato Authors) is?

Until this time, IdEA (Indonesian Envato Authors) is reach more than a hundred thousand member which joined since 2012.

Such others communities. IdEA (Indonesian Envato Authors) has a dream, mission, and vision to lead, change, grow, and build more experience of the creative members.

IdEA (Indonesian Envato Authors) is not talking about money, but also the human care action programs such as IdEA Charity.

—-To be continued…

IdEA (Indonesian Envato Authors) First National Meetup

IdEA : Indonesian Envato Authors

IdEA, the abbreviation of Indonesian Envato Authors is the community of authors from Indonesia. It ‘accidentally’ started in the middle of August 2011 from a thread in Envato Forum. As it is forbidden to use another language than English there, we decided to make our own forum where we can freely use our mother-tounge language, Bahasa Indonesia to communicate. In short, on 16 January 2012, the ‘unofficial’ discussion forum for Indonesian authors is started in Facebook Group named IdEA and the community growth with more than 1000 members now.

IdEA at Prambanan Temple

After almost two years of its founding, on 22-24 November 2013, IdEA had its first national/country meetup in Yogyakarta.

Indonesia is an archipelago and a very large country, authors from Indonesia are widespread. After having known one another from the internet, some of the authors in same area often hold local meetups. And the online forum naturally became friendship. Since local meetups are not enough for us, we decided to make national meetup to meet offline widely and share our experiences about authoring in Envato Marketplaces by face-to-face. And the most important thing, it should also become an unforgetable hangout moment! ;-)

Some authors after arrived at Yogyakarta by train

We came to Yogyakarta from different places on some islands in Indonesia, a cozy resort not far from Mount Merapi is the place where the first big event of IdEA held. It started on Friday evening with welcome dinner and followed by introductory event after that. Even after the official schedule was over, nobody wanted to go to bed and they chatted until late.

Dinner on first night

Chat after dinner

On day two, the schedule was a tour visiting some interesting places around Yogyakarta. Prambanan, a 9th-century Hindu temple compound was the first spot to visit. There is also a big Buddhist temple compound from that era nears Yogyakarta, the well-known Borobudur. Both are UNESCO World Heritage Sites and the places you should visit when you come to Indonesia.

Prambanan Temple Compound

Some authors at Prambanan

Exit gate of Prambanan

From Prambanan we went to Parang Tritis Beach, having lunch there and then followed by visiting Malioboro Street in central of Yogyakarta for shopping typical goods including Batik, a traditional textile originating from the island of Java.

At Parang Tritis Beach

We went back to the resort in the evening and had interesting session there, sharing from top and elite authors. Some of IdEA members who has already got their good achievement on the marketplaces shared about their successful stories. They are CodeID (Muhajir), imediapixel (Irkham Maulana), Indonez (Zainal Mudzakir), fahmyzone (Fahmy Hidayat), jegtheme (Anak Agung Agus Bayu Iswara) and maskeenan (Sam Witwicky).

Sharing session

Coffee break

Sharing session

The discussion after sharing session continued outdoor because we had a campfire completed with Javanese traditional food stall. The night felt so long that day!

Javanese traditional food stall

Campfire

We should wake up early on Sunday 24 November 2013 because there were some offroad cars came to the resort to pick us. On that morning we had the jeep journey to Mount Merapi called The Lava Tour! Not only having crazy experience with 4x4 vehicles, we also looked some of the remaining impacts of its eruptions on 2010 include visiting small museum of the tragedy.

IdEA near the volcano

Parking lot on the mountain

IdEA Lava Tour Team

Museum of Merapi's eruptions 2010

At noon we went back to the resort, having lunch together and continued with another event schedule. That was a presentation from Weirdsgn Team, a user from Microlancer who focuses on rare and niche skills, designing iOS App’s icon. Very interesting!

Presentation from Weirdsgn Team

And then the event was continued with focus group discussion. Authors were grouped into their marketplace and discussed everything about their job. It was also an interesting moment and we got so many knowledges from that session.

The schedule after that was an organization meeting for the IdEA community. We talked about what we will do after this, not for our job but we should do something for others outside us. We have some agendas to do and one that has been executing now is IdEA Charity. People said, “You don’t have to wait until you are rich to help others”, so we planed to do something to whom less fortunate by using our skills. We made an account in the marketplace and every of us continue to donate items to sell on that account. 100% of the earning will use for charity and the account name is Indonesian. Anything you buy from that account will help us to continue our program, so please buy something there. :-)

Indonesian Envato Authors, unity in diversity

The event ended on Sunday afternoon, we went back to our hometown with so many unforgettable things. We also planned to have same event for the next following years. One more thing, we already proved that we could organize big-scale meetup, another experience for us. We believe that we could be a good organizer and warm host if someday Envato decides to have its meetup in Indonesia… So, see you here! ;-)

Trailer Video:

IdEA in A Glimpse

IdEA on Prambanan Temple 23 November 2013

IdEA (Indonesian Envato Authors) is a community of Indonesian people who earn a living by making and selling products on Envato Marketplaces, or commonly called Envato Authors.

Founded on 16 January 2012 by Budi Nusyirwan and Fahmy Hidayat, now IdEA has more than 1000 members worldwide consisting of designers, developers, photographers, illustrators & producers.

IdEA members have a collaboration account that is used for their charity program. Feel free to browse and buy our products on http://bit.ly/IdEA-charity. 100% of the earning is used for charity. :)

Indonesian Author of Envato Marketplaces or authors who can speak Bahasa Indonesia is free to join IdEA. Kindly submit a request on IdEA Facebook Group and we will welcome you every Monday. :)