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The Latest Social Insurance Administration Organization Contribution Proposal, Ability to Pay is not Automatically Followed by Willingness to Pay

Jakarta, 13/09/2019 MoF - Assistant to the Minister for Government Expenditure Affairs in the Ministry of Finance Suminto, stated that the government has considered the ability to pay calculation for each segment of Social Insurance Administration Organization (BPJS) participants towards the proposed increase in BPJS contributions. However, in the midst of the community, the ability to pay is not necessarily followed by the willingness of participants to pay with discipline.
 
"There is a deviation between ability to pay and willingness to pay. Because willingness to pay is related to people's perceptions and priorities. People can smoke (where people can allocate funds  to buy cigarettes and not being burdened), (but to pay) BPJS (is another thing which people do not prioritize). However, those people (the participant) have the capacity (to pay). The problem is the ability to pay is not always automatically followed by willingness to pay," he explained.
 
Participation and discipline to pay this contribution, has been regulated in Government Regulation (Peraturan Pemerintah/PP) Number 86 of 2013 concerning Procedures for Imposing Administrative Sanctions to Employers in addition to Organizing the State and Everyone, Beside from Employers, Workers, and Recipients of Contribution Assistance in the Implementation of Social Security.
 
In Article 5 paragraph (2) PP 86 of 2013 it is regulated that violations of BPJS membership are subjected to administrative sanctions in the form of written warnings, fines, and/or not receiving certain public services.
 
"Because the design of the National Social Security System (SJSN) Law is mandatory membership, we have PP 86 which regulates sanctions that do not want to be included in Indonesian National Health Isurance (JKN) membership. What are the sanctions? Warnings, fines, and not getting public services. From the theoretical side, which can force people to really "It's forced to not get public services. But, in fact, to enforce (not apply strictly) to public services, it really needs to be taken into account," he explained.
 
Therefore, the public needs to be given literacy or an explanation of the importance of having health insurance because it is a financial protection when we are affected by catastrophic illness or accidents that have the potential to cost funds so that it can impoverish an individual and his/her family.
 
"So this is related to the importance of JKN literacy, what is the importance of having health insurance. The WHO's theory of Health Insurance is financial protection for accidents, sickness. We don't need to talk about the poor now, even to those of us who are capable, the middle class, when we are hospitalized, even worse when we got catastrophic diseases (for example: heart disease, cancer, stroke), we can fall into poverty," he said. (nr/ds)