BPJS Insurance: Love-Hate

Kalau bicara tentang asuransi.. ah, itu tentang cinta dan benci..

When you talk about insurance.. well, it's about love and hate..

Soalnya saya tidak terlalu ngefans sama asuransi tapi hidup tanpa asuransi juga rasanya seperti sop tanpa garam.

It's because I'm not into insurance but to live without insurance in this time is like a soup without salt.

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Kalau kamu tinggal di Indonesia dan kamu sakit tapi kamu bukan orang kaya maka pilihannya adalah kamu berobat lalu jadi makin sakit waktu lihat ongkos dokter, harga obat dan biaya perawatan rumah sakit. 

If you live in Indonesia and you get sick but you are not a wealthy person then the option is you get medical treatment and you get sicker when you see the doctor, medicine and hospital bills.

Atau kamu berobat juga karena tidak ada pilihan dan harus berhutang kiri kanan untuk membiayai biaya pengobatanmu.

Or you get medical treatment because you don't have any option and you have to borrow money to pay for your medical bills.

Pilihan lain yang paling menyedihkan adalah kamu tidak berobat dan berharap penyakitmu bisa sembuh sendiri secara ajaib atau kematianlah yang membebaskanmu.

Another sad option is you don't get any medical treatment and hope your illness may cure miraculously or death will set you free.

Kalau kamu berobat dan kamu mati juga tanpa tersembuhkan, yah.. kamu meninggalkan warisan berupa tagihan berobatmu pada keluargamu.. 💔

If you do get medical treatment and you die incurable, well.. your heritance to your family is your medical bills. 💔

Ini kenyataan yang terjadi di Indonesia.

This is the reality in Indonesia.

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Saya pernah merasakan punya asuransi swasta yang bukan kelas ecek-ecek.

I have had experience having quite exclusive insurance.

Preminya memang mahal tapi sebandinglah dengan keuntungannya.

The premium was expensive but the benefit was worth every penny of it.

Lalu saya pernah merasakan tidak punya asuransi, gaji tidak sekarung dan kemudian jatuh sakit... wooo.. nangis air mata darah waktu lihat biaya pengobatannya..

And then I once had the experience not having any insurance, hardly made ends meet and got ill... ohhhh man.. just cried out blood tears upon seeing the medical bills.

Kemudian punya asuransi tapi yang kelas rakyat jelata.. lumayan sih dari pada tidak ada tapi yah.. harus tabah.. 

Later I have insurance though it is a commoner kind of insurance.. well, it's better than to have none but still.. talk about endurance..

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Cerita tentang BPJS Kesehatan (Badan Penyelenggara Jaminan Sosial) yang saya dengar dari pengalaman teman-teman saya bervariasi antara yang enak dan yang tidak enak.

I have heard various things from good to bad ones about Health BPJS (Social Insurance Administration Organization) from friends.

Yang paling sering adalah cerita dari rekan kerja saya. Bagaimana dia harus datang ke rumah sakit dari jam 4 pagi supaya dapat nomor antrian kecil, bagaimana kondisi loket pendaftaran di rumah sakit, bagaimana harus mengantri lagi dan lama untuk mendapatkan obat, bagaimana pelayanan di rumah sakit dan di apotik, kualitas obatnya sampai ke bagian menyedihkan bahwa kalau berobat dengan BPJS berarti melewatkan waktu satu hari dari subuh sampai malam berada di rumah sakit.

The one I heard often is my colleague's testimony how she has to go to the hospital since 4 am to get small queque number, how the hospital's registration counter condition, how she has to get in line again and the long wait at the pharmacy, the medicine quality up to the sad part; using BPJS means one has to spend one day from dawn to night at the hospital.

Parno deh saya jadinya.

It just freaking me out.

Saat itu saya memang belum pernah mengalaminya.

At that time I have never experienced it.

Dan saya tidak mau mengalaminya.

And I don't want to experience it.

Tapi sekarang semua perusahaan di Indonesia diharuskan mem-BPJS-kan karyawannya.

But all companies in Indonesia must list their employees as BPJS participants.

Saya tidak punya pilihan..

I don't have any choice.

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Seiring dengan berjalannya waktu menyesallah saya menjadi anggota BPJS dan saya kepingin keluar.

As time passed I regretted my participation in BPJS and I wanted to remove myself from it.

Saya pikir dengan tidak membayar premi bulanannya maka sekian bulan kemudian keanggotaan saya otomatis akan terhapus.

I thought by not paying its monthly dues for few months then it would automatically make me be eliminated.

Ternyata tidak.

It doesn't work that way.

Saya baru tahu waktu papa mau operasi katarak dan mau tidak mau harus pakai BPJS.

I found out about it when papa would have cataract surgery and had to use BPJS.

Sekian bulan tidak bayar iuran tidak membuat saya ditendang dari BPJS.. malah saya dihitung berhutang sekian ratus ribu uang iuran. Ditambah dengan iuran papa dan mama jumlahnya hampir satu jeti! Gelo! Haha..

Not paying the dues for months didn't make BPJS kicked me out of its membership.. it even made me owed them my overdue dues. Along with my parents's dues made it almost a million! Nuts! Haha..

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Apa boleh buat, semua harus diurus dan dibayar.

Everything had to be taken care and be paid, no other option.

Tanggal 20 Juni 2017 pergilah saya dan papa ke kantor BPJS di Jl. Ahmad Yani, Bogor.

On 20 June 2017 papa and I went to BPJS office at Jl. Ahmad Yani, Bogor.

Lega saya karena bisa bayar iuran tertunggak di sana, kantor pos buka loket untuk memudahkan orang membayar apa pun yang perlu dibayar. 

I was relieved because I could pay the overdue dues there, post office opens a counter there to make it easy for people to make any kind of payment.

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Nah, mumpung lagi ada di sana sekalian deh lapor mama sudah meninggal supaya jangan iuran BPJSnya tetap ditagih.

So, while we were there we made a report that mama has passed away so BPJS won't keep charging her dues.

Prosedurnya lihat foto ya.

The procedure.. just see the photos.

Ambil formulir di pos satpam dekat pintu masuk. Kalau bingung harus ambil formulir yang mana, tanya satpamnya. Jangan khawatir, satpam berfungsi juga sebagai customer service.
Take a form at security checkpoint near the entrance. Ask the security if you don't know which form you should take. Don't worry, security plays double role as customer service officer.

Formulir ganti data peserta BPJS / Form to change BPJS participant's data

Ambil nomor antrian / Get queque number

Isi formulir. Lengkapi dengan melampirkan bukti pembayaran iuran BPJS, kartu BPJS yang asli, fotocopy KK, nomor antrian.
Fill the form. Attach payment receipt, original BPJS card, copy of  family register card, queque number.

nomor antrian dipanggil, naiklah ke lantai dua. Di sana akan diproses administrasinya.
go to second floor after your number is called. There they will proccess the administration.

Gampang ya?

Easy, right?

Ribetnya baru muncul belakangan waktu mau ngurus refund iuran BPJSnya mama. Mama kan meninggal akhir Desember tapi kita melapor ke BPJS baru enam bulan kemudian. Nah, selama enam bulan itu kan iuran BPJS mama tetap ditagih dan dibayar secara kolektif pada hari ini. Iuran selama enam bulan itu yang kita minta supaya dikembalikan (refund). 

The complicated stuff came when I had to fill another form, attached it with coppies of documments again..

Isi formulir lagi deh, melampirkan fotocopy beberapa dokumen lagi..

Filled another form, attaching few documments again..

Mondar-mandirlah saya turun ke lantai satu, pergi keluar mencari tukang fotocopy.. puncaknya adalah.. di tukang fotocopy tidak ada materai.

I had to go downstair, went outside to photocopy booth.. the top is they ran out of stamp.

Saya harus pergi ke kantor pos yang jaraknya dekat kalau naik motor tapi jauh kalau jalan kaki.

I had to go to the post office which is near by motorbike but far by foot.

Untungnya di seberang tempat fotocopy ada tukang ojeg online yang lagi ngaso di bawah pohon. Pak, mau ga ke kantor pos tapi ga pake aplikasi?, tanya saya sambil harap-harap cemas. Dua detik kemudian... Yay, dia mau! Terima kasih Tuhan. 

Luckily there was online driver resting under a tree across the photocopy booth. Would you take out of order application to the post office? I crossed my finger. Two seconds later... Yay, he said yes! Thank God!

Papa telpon waktu saya lagi ngos-ngosan di kantor pos.

Papa called when I was catching on my breath at the post office.

Kok lama?

What took you so long?

Yee.. dia kagak tau perjuangannya nyari dua biji materai.

Geez.. he doesn't know what I had to go through to find two stamps.

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Ok, akhirnya setelah melewati semua perjuangan yang bikin ngap-ngapan itu, semua berkas masuk. Sukur.. sukur. Terima kasih, Tuhan. 

Ok, finally after went through all those suffocating struggle, all the documents were submitted. What a relief. Thank you, God.

Terus gimana sekarang?

Now what?

Nunggu.

Waiting.

Nunggu apa?

Waiting for what?

Kami akan hubungi lewat telpon atau sms buat penandatanganan berita acara pengembalian iuran BPJS almarhumah.

We will contact you by phone or by text when it's ready to sign the deceased's refund papers.

Kapan itu?

When will that be?

Antara 2-3 bulan lagi.

About 2-3 months later.

Busyeeeetttt! Lama amat?

Damn! That long?

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Berita terkini..

Update news..

Akhirnya bulan Oktober datang juga berita yang ditunggu lewat sms.

Finally the long waited news came through a text in October.

Gile.. 4 bulan, cyn.. masukin berkasnya bulan Juni, cuy! EMPAT BULAN yang lalu! 

Damn.. 4 months, man.. submitted the papers in June, man. It was FOUR MONTHS ago!

Heh.. mungkin setiap harinya ada jutaan orang memasukkan berkas untuk refund.

Huh.. maybe there are millions of people file their papers to get refund.

Ga heran jadi lama.

No wonder it took a long time.

Nah, pada hari yang telah ditentukan pergilah saya ke kantor BPJS di jalan Ahmad Yani.

So, on the appointed day I went to BPJS office on Ahmad Yani street.

Nunggu lagi karena petugasnya lagi sibuk dan lanjut makan siang.

I had to wait again because the officer was busy and then she had lunch.

Tenang, cyn, gue tongkrongin lu. Toh gue udah nunggu 4 bulan, jadi nunggu 1-2 jam apa sih artinya.. ha!

No sweat, man, I'd wait. I've waited 4 months so 1-2 hours of waiting meant nothing to me.. ha!

Akhirnya.. keluarlah dia membawa tiga lembar kertas.

At last.. she got out bringing three sheets of paper.

Tandatangan.

Sign them.

Kagak ada copy buat gue?

Is there any coppies for me?

Ga ada bu, di foto aja.

No, ma'am. Just take pics of them.

Masyaaaaaaaaammmpyyyyuuuuunnn..

Good heavens..

Yah, sudahlah.. dalam segala hal harus bisa fleksibel, Keke.. oiya, omong-omong.. golok sudah diasah kan?

Oh, wtf.. you gotta be flexible in everything, Keke.. by the way.. the machete has been sharpened, right?

Haha..

Kapan transfernya saya terima?

When will I get the transfer?

Nanti dikabari lagi, bu.

You'll be notified, ma'am.

Kapan?

When?

Yah, mungkin 1-2 bulan lagi.

Well, probably in another 1-2 months.

Astaga!!! Kali kalau duitnya 153 milyar ya.. ini cuma Rp.153.000,-

Wtf!!! If it were 153 billions.. geez, it's just Rp.153.000,-

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Urusan kelar dengan BPJS?

Is it all taken care with BPJS?

Ya, belonlah..

Not it is not..

Ceritanya bersambung lagi deh..

Well, to be continued again to the next story..