Health insurance is a type of insurance product that specifically guarantees the cost

of health insurance or the members of the care if they fall ill or have an accident .
Broadly speaking there are two types of treatments offered by insurance companies
, namely hospitalization ( in- patient treatment) and outpatient care ( out - patient
treatment) .
Health insurance products held either by the social insurance companies , life
insurance companies , and insurance companies are also common .
In Indonesia , PT Askes Indonesia is one insurance company that organizes social
health insurance to its members who are mainly civil servants and non - civil . Their
children are also covered up to age 21 years . The retiree and his wife or a husband
is also guaranteed for life .
Outside groups also provide the government health insurance program for lowincome residents , now called JAMKESNAS [ 1 ] , health insurance , in addition to
programs that are financed by the state budget , a number of provincial and
district / city government also has a similar program that is Jamkesda [ 1 ] and
Jamkesos [ 2 ] [ 3 ] such as , among others , in Banyuasin district in 2002 [ 4 ] ,
Jembrana since 2003 [ 5 ] in the province since 2003 [ 3 ] and South Sumatra
provinces , where it is referred Jamsoskes , since the beginning January 2009 [ 4 ]
though at the beginning of March 2010 the central government examines the
possibility of banning the financing of health insurance through the budget [ 6 ]
In 2010,120,2 million from approximately 237 million people in Indonesia have
health insurance provided either by PT Askes Indonesia , PT Social Security , PT
Asabri or through JAMKESNAS or other insurance programs , such as the Indonesian
Sinar MasAviva [ 7 ] .
Some insurance companies and life insurance also has marketed health insurance
programs with a variety of different variants . In general, insurance companies that
hold health insurance program in collaboration with hospital providers either
directly or through an intermediary institution as an assistant hospital network
management
it's interesting that the government's policy to exclude smokers from the list of
participants of the National Health Insurance which will take effect from next year .
Presidential Regulation No. 12 of 2013 section 25 letter i mention that state
insurance is not for those who are sick because of the voluntary hurt yourself or
hurt yourself hobby .
Cigarettes certainly belong to this category . The smokers are those who voluntarily
and happily spending money to buy disease . There is no benefit at all from this
activity . Smoking is burning money at the same time buying activity of the
disease . Less wasted much less of this kind of activity ?
And that government regulation is a brilliant breakthrough . Tax dollars spent to
treat the many diseases smoking , not just the next futile , but also a moron . For a
country that should not bear the cost of treatment ketiban pulung smokers , who

joyfully destroy his own body . There are many other diseases are caused by the
inability of countries to create a clean and healthy environment should be treated
as an epidemic .
There is another interesting proposal of the Indonesian Doctors ' health premiums
that the insurer should smokers cigarette factory . It's fair and right . Cigarette
factory is the main audience of the tobacco business . They persuade people to
smoke with massive advertising , enjoys a great advantage because the cigarette is
a product that is purchased at any price , then raise your hand when there are 400
thousand people die from diseases caused by smoking in a year . Countries should
also bear ?
Of course there is the argument that the government and state excise receive Rp 70
trillion a year . This figure is often touted tobacco industry to defend and protect its
business interests . As if these businesses provide many financial benefits to many
people . As if the fact is not that simple because , even contradictory .
Excise is a tax component of goods bought and sold . Special tobacco , excise duty
is compensated these products harmful to health of others. Because it is also called
" sin taxes " , syntax . Customs therefore imperative that must be paid to the state
that the tobacco industry is responsible for the rights of all citizens healthy . But ,
even then not tax the cigarette factory issued , actually . Perokoklah who pay excise
it .
Because the components are already included in the price , then the smokers
disetrokan money to the state treasury . Enjoy the benefits of staying cigarette
factory after it cut prices to the cost of production and distribution . So claims the
industry has to pay so much money excise is a unilateral claim that too far-fetched .
It is we , the smokers section of the people of Indonesia , which accounts for the
country's income .
So it would be lovely if not the smokers enjoy insurance coverage when they get
sick as a result of his own actions and others. Cigarette factory that is supposed to
bear the pain for consumers have enjoyed record profits . Customs of the smokers
were more entitled to be enjoyed by those who are non-smokers but the disease
affected as passive smokers .
More numerous . In every household there is a smoker Indonesia . That means there
are about four other family members who suck poison niktoin which in many cases
are much more severe pain than the pain borne by smokers .
Then exclude smokers from insurance policies that are fair and correct . And ,
importantly, we remember the saying goes better to prevent than cure . Instead of
treating smoking-related illnesses are costly , the money is better used to campaign

for the people of Indonesia away from cigarettes so that no pain and a burden on
the public .
JAKARTA (Pos Kota) - Health insurance smokers should not be incorporated in the
insurance system of the National Health Insurance (JKN). According to Deputy
Coordinating Ministry for People's Welfare Emil Agustiono 3, there should be a
separate insurance premiums that manages the health of smokers.
"Supposedly diseases caused by hobby, like smoking do not naturally not covered
by the Health BPJS," he said. The exclusion of smokers in JKN, does not mean they
are not obliged to participate BPJS Health. Obligations because they still do not fall
JKN mandatory for all residents as a trust laws.
Middle road, Emil is further made its own system of health insurance for smokers.
The premiums can be collected from most of the tax paid by smokers. When one
cigarette excise 200 to 300, of course, if collected would be a fantastic value.
"If a portion of the tax allocated to health insurance, of course the price of
cigarettes will go up and people will think to buy a cigarette," said Emil. Related to
the implementation of the picture health warnings on cigarette packs prevailing
mid-2014 by Emil very important and strategic, that every young generation should
know the health risks that would be incurred if you decide to become smokers.
"We also remind you that smoking is part of the rights of the individual. However,
these rights can not be done disembarang place that would interfere with the rights
of others to live a healthy life, "he concluded. (Inung / yo)