Indonesia’s healthcare: Coordination of Benefits rescue

 24-Nov-16, The Jakarta Post

On the back of the Indonesian government’s new National Health Insurance (JKN) program, the Coordination of Benefits (COB) provision is changing the country’s healthcare landscape. While the COB is not new, its ability to now be combined with the JKN and private insurers should benefit the industry.

Image: Wikipedia / Shawn M. Spitler / U.S. Marine Corps

By subscribing to the JKN, private insurance premiums can fall by up to 40%, creating a game changer. The COB can now offer patients and companies access to better-quality medical services through cheaper premiums, but with similar flexibility compared to normal private insurance.

From the perspective of insurance users, this can pave the way for higher productivity by using private medical providers. From the point of view of hospitals, the COB, combined with the JKN, could raise occupancy rates and result in higher profitability.

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