{"id":7572,"date":"2025-07-05T23:05:36","date_gmt":"2025-07-05T16:05:36","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=7572"},"modified":"2025-07-07T08:46:42","modified_gmt":"2025-07-07T01:46:42","slug":"pojk-terbaru-cost-sharing-asuransi-kesehatan-wajib-10-apa-dampaknya-bagi-anda","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/pojk-terbaru-cost-sharing-asuransi-kesehatan-wajib-10-apa-dampaknya-bagi-anda\/","title":{"rendered":"Latest POJK! Mandatory Health Insurance Cost Sharing 10% \u2013 What Impact Does It Have on You?"},"content":{"rendered":"

Hello Insurance League Friends! Welcome back to the education channel trusted<\/span> insurance with<\/b> us, the best place to discuss everything about<\/span>Health Insurance<\/b>, risk management, and the latest regulations from OJK. This time, we will review the new rules that have attracted quite a lot of attention, namely the obligation cost<\/span> sharing 10%<\/b> in <\/span>commercial health insurance<\/b>. What does this policy mean? How does it affect individual participants, companies, and hospitals? And what does it look like?<\/span>An important role <\/b>insurance broker<\/b> <\/a>in helping you adapt to these changes? Come on, read more in this article!<\/span><\/p>\n

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New Regulation: Mandatory Health Insurance Cost Sharing 10%<\/b><\/h3>\n

In May 2025, OJK issued<\/span>SEOJK 7\/SEOJK.05\/2025<\/b> which obliges all participants of commercial<\/span> health insurance<\/b> to bear a minimum<\/span> cost sharing fee 10%<\/b>of the total cost of medical services. This regulation is expected to increase transparency, prevent abuse of insurance benefits, and maintain the long-term financial stability of insurance companies.<\/span><\/p>\n

What is Cost Sharing in Health Insurance?<\/b><\/h3>\n

Cost sharing is<\/b> a system in which insurance participants share part of the costs of service health. There are three forms of cost sharing that are commonly used:<\/span><\/p>\n