PYD · Articles & Insights
Health
BPJS, office policies and private cover, where each one helps and the gaps they quietly leave.
3 articles
Health
The 5% co-payment: what you actually pay when you claim on health insurance
A viral message said “using insurance now costs you 10%”. The rule in force is different, and much lighter. Here is how it works, with real bill examples.
7 min · 30 Sept 2026
Health
What dialysis actually costs a family in Indonesia
BPJS covers the treatment itself, which surprises people. The costs that hit a household are the ones around it. Here is the honest picture.
6 min · 16 Sept 2026
Health
Private and standalone health insurance: what they are, and which you need
BPJS is your base, but it leaves gaps. Here is what private and standalone (murni) health cover actually add, and what to check before you buy.
6 min · 17 Sept 2026
Get one useful read a month.
Plain-language planning for life in Indonesia. No spam, no pitch.