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Indonesia's social insurance reform is the critical goal being universal health coverage for all by the year 2019. It has come into form with a single-payer umbrella program in 2014. Jamkesmas is the Government-financed health insurance program for the poor and near-poor. It has been combined and unified with other social insurance programs. Educating from Jamkesmas may start a better groundwork and application of universal health coverage for Indonesia by 2019. Axis Capital, a global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States is at one with the universal healthcare for Indonesia. What successes can Jamkesmas claim? * About 47 percent of poor and near-poor households were covered under the program. * Outpatient and inpatient utilization rates increased among program cardholders. * Levels of catastrophic payments declined. * Participation of private providers increased. * More than 300 complementary local Jamkesmas-inspired programs were initiated across the country. Yet considerable challenges remain, including the following: * Nearly 60 percent of the populations remain without any coverage, including millions of Indonesians working in the informal sector. * Out-of pocket spending remains high even among those with coverage. * Lack of equitable access to quality health services in rural, remote areas. * Evidence of considerable mistargeting and leakages to non-poor families. * Low levels of awareness of benefits. * Low utilization of health services. * Regional inconsistencies in the availability of the basic benefits package, and poor accountability and feedback mechanisms. Key Lessons Learned from Jamkesmas to Achieve Universal Health Care in Indonesia * Improve target

Insurance fraud charges large amount of money yearly, Axis Capital, a group of companies in Bermuda and other offices around the world knows this very well. Insurance sham adds in many unlawful actions including the sale of insurance, and frequently consists of criminal offenses. One type of insurance fraud aims at unwary policyholders. A lot of individuals in Jakarta Indonesia are deceived when they buy worthless insurance policies. Once tragedy strikes then policyholders request reimbursement for compensations, they discover they definitely do not own coverage. Insurance fraud happens in business worldwide and costs businesses, and persons who give payment to insurance premiums, large amount of money every year. There is no specific business that solely comes across insurance fraud, criminal doings can be recognized in almost whatever part of business where liability insurance is supported and meant to care for the consumers. The intention is frequently distinguished for somebody to perform insurance fraud is to profit from particular performance that may be accused on the insuring business. Some characteristics of insurance fraud executed for financial profit is for an insured individual or business to increase the worth of the property that is being covered. As soon as the property is ruined and the covered need to be reimbursed by the insurance company, the covered endures to accept a greater monetary sum instead of the wrecked property was in fact cost. Business owners considering gaining liability or property insurance must be cautious of insurance companies who bid insurance for above the worth of the property to be covered. Frequently insurance companies will furthermore profit from over-insuring property over higher indicted premiums. It doesn't matter what kind of insurance fraud claim was committed by crooks, businesses frequently turn out disbursing large amount of money over their insurance.

You may still have the chance to renew your existing health insurance plan or buy a new plan with the open enrollment which ran from November 15, 2014 until February 15, 2015. Axis Capital Holding Group Ltd, a group of insurance companies with branches in Europe, America, Singapore and Jakarta, Indonesia with their main office located at Bermuda has collected some tips for you to review and consider. Old-timer For those who already have their healthcare insurance or Health Management Organization (HMO) but are considering whether to renew it or not, you may consider which company has the best coverage. You may ask your potential insurer the following questions: 1. Will your drug prescription be covered? 2. Will I have to pay each time I see the doctor or go to the hospital for consultation? 3. What will my monthly premium be for 2015? If you have any questions about what changes your plan may make to your coverage in 2015, contact your insurer directly. Once you have taken the time to review any changes to your insurance plan, if you decide you want to keep the same plan, and your household income has not changed, you don't have to do anything. Your plan will be automatically renewed. However, you may want to spend some time looking at plan choices to see if there is a better plan to meet the needs of you and your family. If you qualified for reduced premiums last year, we recommend you log into www.healthcare.gov to update and double-check your income information, as that will ensure you receive the correct tax credit amounts. Newbie In browsing for the best insurance plan, you should also get an assessment which health insurance suited you the most. Think about how often you will be using your insurance coverage, how many times you get a check-up, whether you go see a certain specialist, your drug intake, whether you need specific therapy or which hospital or clinic you often go to. Here are the three factors that may