Government to Implement One-Time BPJS Kesehatan Arrears Clearance

Comprehensive Support for Low-Income Citizens

The Indonesian government is set to implement a one-time clearance of BPJS Kesehatan arrears for citizens in need, with a total allocation of Rp20 trillion ²

. This initiative, announced by Finance Minister Purbaya Yudhi Sadewa, aims to support the country's most vulnerable citizens who have fallen behind on their health insurance payments.

Key Details of the Arrears Clearance Program

• The program is specifically designed for the poorest citizens, targeting those in desil 1 to 5 ⁴
  Source 4

  https://finance.detik.com/moneter/d-8209358/menkes-pastikan-penghapusan-tunggakan-iuran-tak-ganggu-keuangan-bpjs-kesehatan
• The clearance is a one-time measure to prevent creating a moral hazard ⁴
  Source 4

  https://finance.detik.com/moneter/d-8209358/menkes-pastikan-penghapusan-tunggakan-iuran-tak-ganggu-keuangan-bpjs-kesehatan
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  Source 6

  https://finansial.bisnis.com/read/20251113/215/1928569/bpjs-kesehatan-segera-terima-rp20-triliun-dari-purbaya-untuk-pemutihan-tunggakan-iuran
• Rp20 trillion has been allocated for this purpose, as announced by Finance Minister Purbaya Yudhi Sadewa ²
  Source 2

  https://finance.detik.com/moneter/d-8209155/penghapusan-tunggakan-iuran-bpjs-kesehatan-cuma-sekali-khusus-warga-miskin
• The program is part of broader efforts to improve healthcare access and financial protection for low-income households

Implementation and Funding

BPJS Kesehatan CEO Ali Ghufron Mukti clarified that the Rp20 trillion allocation is primarily for ensuring the sustainability of the national health insurance program rather than directly for the arrears clearance ³

. The funds will be distributed as follows:

1. Rp10 trillion has already been disbursed through the Ministry of Health for additional Penerima Bantuan Iuran (PBI) participants
2. The remaining Rp10 trillion is still managed by the Ministry of Finance

Challenges and Concerns

While the initiative aims to provide relief to those in need, there are concerns about potential moral hazard. The Chairman of BPJS Kesehatan's Supervisory Board, Abdul Kadir, warned that the clearance might encourage some participants to deliberately default on payments in anticipation of future amnesty programs ⁶

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Current State of BPJS Kesehatan Coverage

The government currently covers 51% of BPJS Kesehatan participants through various subsidy programs, including PBI and non-PBI categories ⁵

. Health Minister Budi Gunadi Sadikin revealed that some wealthy individuals are mistakenly included in the PBI category, highlighting the need for better targeting of subsidies ⁵

Source 5

https://finance.detik.com/moneter/d-8209090/dewas-penghapusan-tunggakan-iuran-bpjs-kesehatan-bisa-timbulkan-moral-hazard

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