Indonesian Government Mandates BPJS Kesehatan for Hajj Pilgrims

Enhanced Healthcare Coverage for Returning Pilgrims

The Indonesian Ministry of Hajj and Umrah has introduced a new requirement for prospective Hajj pilgrims to have active BPJS Kesehatan coverage. This decision, though seemingly counterintuitive given that BPJS Kesehatan is not valid in Saudi Arabia, is designed to provide continued healthcare coverage for pilgrims upon their return to Indonesia.

Rationale Behind the New Requirement

According to Ramadhan Harisman, Staff Expert at the Ministry of Hajj and Umrah, the rationale behind this requirement lies in the need for ongoing medical coverage. While pilgrims are covered by medical insurance during their stay in Saudi Arabia (provided through the Hajj Implementation Cost or BPIH), this coverage typically ceases upon their return to Indonesia.

Past Cases Highlighting the Need

There have been instances where pilgrims required extended medical treatment after returning to Indonesia. In such cases, the Saudi Arabian insurance provider did not cover the costs incurred in Indonesia. The BPJS Kesehatan coverage ensures that these pilgrims can receive necessary medical treatment in Indonesia without additional financial burden.

Dual Insurance Coverage for Pilgrims

The Indonesian government provides two layers of insurance coverage for Hajj pilgrims:

1. Death Insurance: This provides compensation to the heirs in case of a pilgrim's death during the Hajj.
2. Medical Insurance in Saudi Arabia: This covers medical expenses incurred during the pilgrimage. The premium for this insurance is included in the BPIH and has seen an increase from 20 riyals in 2025 to 100 riyals (approximately Rp450,000) in 2026.

Additional Insurance Options

While the government-mandated insurance provides comprehensive coverage, pilgrims also have the option to supplement their coverage with private insurance offered by various companies. This additional layer of protection can further mitigate potential healthcare costs and other risks associated with the pilgrimage.

Implications of the New Requirement

This new requirement underscores the government's commitment to ensuring the welfare of Hajj pilgrims. By mandating active BPJS Kesehatan coverage, the government aims to reduce the financial burden on pilgrims and their families in case of medical emergencies upon their return to Indonesia.