{"id":7549,"date":"2025-06-24T10:04:38","date_gmt":"2025-06-24T03:04:38","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=7549"},"modified":"2025-06-24T10:04:38","modified_gmt":"2025-06-24T03:04:38","slug":"co-payment-asuransi-kesehatan-karyawan-apa-itu-bagaimana-cara-kerjanya-dan-dampaknya-bagi-hr","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/co-payment-asuransi-kesehatan-karyawan-apa-itu-bagaimana-cara-kerjanya-dan-dampaknya-bagi-hr\/","title":{"rendered":"Employee Health Insurance Co-Payment: What Is It, How Does It Work, and How Does It Impact HR?"},"content":{"rendered":"

Welcome to <\/span>Liga Asuransi<\/b>, a trusted place to get the latest and in-depth information about risk<\/span> management and world<\/b> insurance. We are here to help you\u2014whether you are a business person, HR professional, or an individual who cares about protecting yourself and your assets\u2014understand risk mitigation strategies intelligently and sustainably.<\/span><\/p>\n

One of the topics that is increasingly crucial today is <\/span>Employee Health Insurance<\/b><\/a>. Amidst the dynamics of regulation and challenges of the modern workforce, health insurance is no longer just a facility, but a strategic investment to maintain productivity, loyalty, and business sustainability.<\/span><\/p>\n

Through our articles, including in-depth reviews of scheme-payment of employee insurance, you will find practical and relevant insights that can be directly applied to company policies and personal decisions. We believe that the right protection starts with accurate information.<\/span><\/p>\n

Let’s explore our content, and improve your understanding together. <\/span>Liga Asuransi <\/b>\u2014 your partner in the world risk<\/span> management and employee health insurance<\/b>.<\/span><\/p>\n

Amidst increasing corporate awareness of the importance of employee well-being, health insurance has become one of the most crucial amenities in a modern compensation package. For many workers,<\/span>employee health insurance is not<\/b> just a complement, but a real symbol of the company’s concern for the health of individuals and their families.<\/span><\/p>\n

However, entering 2025, the world of employee health insurance in Indonesia is experiencing important changes.Financial Services Authority (OJK) has published OJK Circular Letter Number 7 of 2025 which regulates the mandatory scheme co-payment\u2014namely the division of medical costs between participants and insurance providers. This rule is a major concern, especially for the health department.Human Resources (HR)who holds responsibility for managing employee insurance programs.<\/span><\/p>\n

Interestingly, scheme-payment is actually not a new thing in the world. Countries such as the United States, Japan, and most European countries have long implemented it as a step to encourage wiser use of health services. In Indonesia, the implementation of this system is an important milestone to balance long-term benefits with the company’s financial sustainability.<\/span><\/p>\n

So what exactly is a co-payment?schemeThis will burden employees? How should HR respond to this change with a smart strategy?<\/span><\/p>\n

This article will review in depth the definition, mechanisms, impacts, and strategic solutions for implementing co-payment in <\/span>employee health insurance<\/b>, especially from an HR perspective.<\/span><\/p>\n

What’s that Co-payment In Health Insurance?<\/b><\/h3>\n

Co-payment <\/b>is a cost-sharing scheme in health insurance services, where participants (in this case, employees)<\/span>pay part of the total medical expenses<\/b>, while the rest is covered by the insurance company. This concept is actually already commonly applied in various developed countries, and is now starting to be adopted more widely in Indonesia, especially after the issuance of the latest OJK regulations.<\/span><\/p>\n

Simple example:<\/b><\/p>\n

For example, an employee undergoes outpatient treatment with a total bill of <\/span>Rp1.000.000<\/b>. If the insurance policy stipulates a scheme<\/span>co-payment 20%<\/b>, for:<\/span><\/p>\n