November 19, 2025 | 06:17 am
TEMPO.CO, Jakarta - Indonesia's Ministry of Health through the Health Financing Center has strengthened the national health financing system by signing a strategic partnership with Roche Indonesia in mid-November 2025. This agreement focuses on the Development of Innovation Financing Models in the National Health Insurance Program, a system designed to support the National Health Insurance program (JKN).
Health Minister Budi Gunadi Sadikin emphasized the importance of collaboration. "The fair, effective, efficient, and sustainable health financing pillar is one of our health transformation agendas. The government cannot build this system alone. Government-private partnerships are needed to strengthen our health system for the benefit of all Indonesian people," said Budi in a statement received by Tempo in mid-November 2025.
Budi added that his team's main target is to increase the portion of health expenditure to be covered by insurance to 90 percent. "This is important because insurance is the only instrument that can spread the risk across populations and time, thus minimizing the financial hardship faced by the community," said Budi.
President Director of Roche Indonesia Sanaa Sayagh felt honored to partner with the Ministry of Health in this important initiative. "The agreement on this CoB innovation is a concrete step to ensure that patients in Indonesia have smooth and sustainable access to the healthcare they need. Through this collaboration, we are committed to creating solutions that strengthen the entire healthcare ecosystem," she said.
Raheesh Moineddin, General Manager of Roche Indonesia's Diagnostics Division, also highlighted the role of diagnostics in financing efficiency. "We view diagnostics as the foundation of an effective system. Early detection is the key to achieving better treatment outcomes, while also reducing the long-term budget burden," said Raheesh Moineddin. "In the context of CoB, accurate diagnosis transforms reactive care into proactive prevention, thereby reducing unnecessary costs for BPJS and private insurance. We appreciate this CoB initiative as a smart partnership between the government and the private sector to provide quality healthcare access for all the people of Indonesia."
One of the focuses of this partnership is the implementation of CoB, a mechanism in the healthcare financing system used when a patient has more than one health insurance policy. Through CoB, each insurance company has a clearly defined payment responsibility, where one policy is designated as the primary payer and the others as secondary payers. This system ensures that claims payments do not exceed 100 percent of medical bills, while preventing duplicate claims and overpayments (CareCloud, 2024).
In Indonesia, Law Number 40 of 2004 concerning the National Social Security System and its implementing regulations have regulated the corridor of coverage management between compulsory national health insurance (JKN), which is organized by BPJS Health, and private Additional Health Insurance (AKT). The main opportunities lie in expanding coverage options for the community and creating a market for innovative insurance products (Indonesia's Ministry of Health, 2024). However, challenges still exist in ensuring the activeness and coverage of membership, aligning payment systems, strengthening coordination between payers, and preventing cases of double coverage.
Chair of the Board of Commissioners of the Financial Services Authority (OJK), Mahendra Siregar, also participated in the event, emphasizing support from the regulatory side. "OJK views the role of private insurance as a very important complement. For this reason, we are preparing a new OJK Regulation to strengthen the health insurance ecosystem," said Mahendra.
Mahendra added, "The goal of this regulation is to strengthen governance and prudential principles, clarify Coordination of Benefits (CoB) mechanisms between public and private organizers, and encourage product innovation. The ultimate goal is to create an efficient, transparent, and sustainable health insurance ecosystem," said Mahendra.
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