{"id":10092,"date":"2025-06-13T07:28:21","date_gmt":"2025-06-13T07:28:21","guid":{"rendered":"https:\/\/umsu.ac.id\/health\/?p=10092"},"modified":"2025-06-13T07:28:21","modified_gmt":"2025-06-13T07:28:21","slug":"ojk-pastikan-bpjs-kesehatan-bebas-aturan-co-payment-ini-penjelasannya","status":"publish","type":"post","link":"https:\/\/umsu.ac.id\/health\/ojk-pastikan-bpjs-kesehatan-bebas-aturan-co-payment-ini-penjelasannya\/","title":{"rendered":"OJK Pastikan BPJS Kesehatan Bebas Aturan Co-Payment, Ini Penjelasannya"},"content":{"rendered":"<h2>OJK Pastikan BPJS Kesehatan Bebas Aturan Co-Payment, Ini Penjelasannya<\/h2>\n<p>Otoritas Jasa Keuangan (OJK) memastikan bahwa aturan skema co-payment dalam klaim asuransi kesehatan yang akan berlaku mulai tahun 2026 hanya berlaku untuk produk asuransi kesehatan swasta atau komersial. Sementara itu, perlindungan kesehatan dari BPJS Kesehatan tidak terdampak oleh aturan ini dan tetap berjalan seperti biasa.<\/p>\n<h3>Apa Itu Skema Co-Payment?<\/h3>\n<p>Co-payment adalah mekanisme pembagian risiko pembiayaan layanan kesehatan di mana pemegang polis diwajibkan menanggung sebagian biaya klaim, minimal 10 persen dari total pengajuan klaim rawat jalan atau rawat inap. Skema ini bertujuan untuk mengendalikan inflasi medis dan mendorong efisiensi dalam penggunaan layanan kesehatan.<\/p>\n<h3>Mengapa BPJS Kesehatan Bebas Aturan Co-Payment?<\/h3>\n<ul>\n<li>\n<h3>Penegasan dari OJK<\/h3>\n<p>Kepala Eksekutif Pengawas Perasuransian OJK, Ogi Prastomiyono, menegaskan bahwa aturan co-payment hanya berlaku untuk produk asuransi kesehatan komersial atau swasta. BPJS Kesehatan sebagai program jaminan sosial nasional tidak termasuk dalam aturan ini.<\/li>\n<li>\n<h4>Perlindungan BPJS Tetap Optimal<\/h4>\n<p>BPJS Kesehatan tetap memberikan perlindungan penuh tanpa kewajiban co-payment bagi pesertanya. Sistem jaminan kesehatan nasional ini juga menerapkan mekanisme Coordination of Benefit (CoB) yang memungkinkan koordinasi dengan penyelenggara jaminan lain. Peserta BPJS dapat memilih layanan yang lebih tinggi dengan membayar selisih biaya sesuai ketentuan Kementerian Kesehatan.<\/li>\n<\/ul>\n<h3>Dampak Aturan Co-Payment bagi Asuransi Swasta<\/h3>\n<ul>\n<li>\n<h4>Tujuan Penerapan Co-Payment<\/h4>\n<p>Menurut OJK, co-payment diharapkan dapat menekan kenaikan premi asuransi kesehatan yang selama ini meningkat akibat inflasi medis. Dengan adanya pembagian risiko ini, pemegang polis diharapkan lebih bijak dalam menggunakan layanan kesehatan.<\/li>\n<li>\n<h4>Nilai Edukatif bagi Pemegang Polis<\/h4>\n<p>Menteri Kesehatan Budi Gunadi Sadikin menyebut bahwa co-payment memiliki nilai edukatif, mirip dengan asuransi kendaraan yang mengharuskan pemilik membayar sebagian biaya jika terjadi kecelakaan. Hal ini mendorong pemegang polis untuk lebih berhati-hati dan mengurangi klaim berlebihan.<\/li>\n<\/ul>\n<h3>Hal Penting yang Harus Diketahui Peserta Asuransi Swasta<\/h3>\n<ul>\n<li>Aturan co-payment berlaku mulai 1 Januari 2026.<\/li>\n<li>Peserta wajib membayar minimal 10% dari total klaim.<\/li>\n<li>Batas maksimal co-payment Rp 300 ribu untuk rawat jalan dan Rp 3 juta untuk rawat inap.<\/li>\n<li>Nilai co-payment bisa berbeda jika disepakati dalam polis.<\/li>\n<\/ul>\n<p>Aturan ini tidak berlaku untuk produk asuransi mikro dan BPJS Kesehatan.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>OJK Pastikan BPJS Kesehatan Bebas Aturan Co-Payment, Ini Penjelasannya Otoritas Jasa Keuangan (OJK) memastikan bahwa aturan skema co-payment dalam klaim asuransi kesehatan yang akan berlaku mulai tahun 2026 hanya berlaku untuk produk asuransi kesehatan swasta atau komersial. Sementara itu, perlindungan kesehatan dari BPJS Kesehatan tidak terdampak oleh aturan ini dan tetap berjalan seperti biasa. Apa [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":10093,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":""},"jnews_primary_category":{"id":""},"jnews_social_meta":{"fb_title":"","fb_description":"","fb_image":"","twitter_title":"","twitter_description":"","twitter_image":""},"jnews_override_counter":{"override_view_counter":"0","view_counter_number":"0","override_share_counter":"0","share_counter_number":"0","override_like_counter":"0","like_counter_number":"0","override_dislike_counter":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[36],"tags":[3902,4739,45,4744,4745,4740,3421,4738,4746,4749,4742,4743,4748,4741,4747],"class_list":["post-10092","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kesehatan","tag-asuransi-kesehatan-swasta","tag-aturan-co-payment-asuransi","tag-bpjs-kesehatan","tag-jaminan-kesehatan-nasional","tag-kebijakan-asuransi-2025","tag-klaim-asuransi-kesehatan","tag-manfaat-bpjs-kesehatan","tag-ojk","tag-otoritas-jasa-keuangan","tag-perbedaan-asuransi-swasta-dan-bpjs","tag-perlindungan-kesehatan","tag-premi-asuransi","tag-regulasi-asuransi","tag-skema-co-payment","tag-update-asuransi-kesehatan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>OJK Pastikan BPJS Kesehatan Bebas Aturan Co-Payment, Ini Penjelasannya - Info Kesehatan<\/title>\n<meta name=\"description\" content=\"OJK pastikan aturan co-payment klaim asuransi kesehatan hanya berlaku untuk asuransi swasta mulai 2026. 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