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One of the advantages of having health insurance is the ease of obtaining health services and relief of medical expenses. However, treatment is not only obtained from doctors. Today, many people are also interested in following alternative (non-medical) medicine.
Maybe you are wondering, can the costs of non-medical treatment be covered by health insurance? Find out the answer in the following review.
Alternative medicine that is popular in Indonesia
At present, the practice of non-medical medicine is increasingly prevalent and attracts many people's attention. This treatment is considered more affordable, access is easier, and is considered to have a minimal risk of side effects because it uses drugs from natural ingredients.
Usually someone will choose this treatment to reduce symptoms, restore the condition of an illness, or to maintain health in general. Not used as the main treatment to cure diseases, especially chronic diseases.
There are many non-medical treatment practices in Indonesia, such as cupping, acupuncture, shin she (treatment with Chinese medicine) orchiropactice.
This treatment is often used as a side to restore some health from certain diseases. For example, acupuncture treatment to help reduce symptoms of diabetes.
Can the cost of alternative medicine be covered by health insurance?
Health insurance can indeed cover or reduce medical expenses, but there are still limits. One of them is the cost of alternative medicine.
If you have JKN KIS health insurance from BPJS, non-medical expenses will not be covered at all. That is, you have to spend your own money or not get any discount from the treatment. This policy is listed in the Handbook of JKN Dissemination in the National Social Security System.
However, that does not apply to all health insurance. If you have private health insurance, there are a number of insurance institutions that allow customers to do non-medical treatment.
The insurance company will assist customers in reducing the cost of treatment, including acupuncture, chiropractic, osteopathic homeopathy, and traditional Chinese medicine. On condition, the treatment must be carried out by professional staff.
Why is the cost of alternative medicine not guaranteed by some insurance?
Even though all health insurance has the same purpose, which is to alleviate the health access of customers or members. However, each health insurance has a different policy, one of which is the cost of non-medical treatment.
Insurance from BPJS does not guarantee medical expenses if it is not carried out by trusted medical personnel in hospitals, health centers or clinics. Because treatment carried out through or with shin sei, chiropractic, acupuncture, etc., has not been recognized as effective based on the assessment of health technology to cure various diseases.
BPJS only guarantees that health services include administration, medicine, blood transfusions, and follow-up care such as outpatient care or hospitalization which are all carried out or prescribed from hospitals, clinics, and health centers.
While private insurance parties have their own reasons, why do they want to guarantee the cost of non-medical treatment. The insurance company wants to give freedom to its customers not to be fixated on medical treatment alone.
Well, apart from the problem of guaranteed medical expenses, choosing medical and alternative treatments is in your decision. The most important thing is that you have to consider the benefits and risks and which ones are better for your health.