Where your cover stops
and your savings begin

BPJS is real protection, and an office policy helps.

1Scenario

The situation

2Cover you have

Share BPJS realistically covers25 %

Class limits, referral queues and non-covered drugs usually leave a large remainder in private care.

Employer policy annual limit100,000,000 IDR

Private health cover limit0 IDR

3Your finances

Your savings150,000,000 IDR

Monthly income20,000,000 IDR

Your result

Rp 575 m

You pay from savings

Covered Rp 325 mFrom savings Rp 575 m

Rp 325 m

Covered by BPJS + policies

Rp 240.000.000

Income lost over 12 months

Rp 815.000.000

Total hit to your household

An educational estimate, not financial advice.

Result details

Covered by BPJS + policies

Rp 325 m

You pay from savings

Rp 575 m

Income lost over 12 months

Rp 240.000.000

The bill people forget: treatment costs money and stops earnings at the same time.

Total hit to your household

Rp 815.000.000

That is Rp 665.000.000 more than you have saved.

Neither was designed for a private-hospital cancer year plus nine months without a salary. This shows the handover point.

Know someone who should try this? Send it their way.

For Instagram, copy the link and paste it in your story or bio.

Illustrative costs based on typical Indonesian private-hospital ranges. Estimates only, not advice or a quote.