{"id":12723,"date":"2024-05-30T07:34:48","date_gmt":"2024-05-30T00:34:48","guid":{"rendered":"https:\/\/businessupdate.id\/?p=12723"},"modified":"2024-05-30T07:34:52","modified_gmt":"2024-05-30T00:34:52","slug":"aaji-duga-rumah-sakit-beri-layanan-berlebihan-kepada-pasien","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=12723","title":{"rendered":"AAJI Duga Rumah Sakit Beri Layanan Berlebihan kepada Pasien"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Peningkatan klaim kesehatan masih menjadi perhatian industri asuransi jiwa. Selain adanya inflasi medis, diduga rumah sakit memberikan pelayanan yang berlebihan kepada pasiennya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Faktor lainnya yang turut menjadi penyebab melonjaknya klaim kesehatan adalah banyaknya masyarakat yang mulai berobat ke rumah sakit pasca Covid-19.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ketua Bidang Produk, Manajemen Risiko, GCG Asosiasi Asuransi Jiwa Indonesia (AAJI) Fauzi Arfan mengungkap, industri asuransi juga masih mengeksplorasi faktor lain yang menyebabkan peningkatan klaim kesehatan. Termasuk isu pengobatan yang berlebihan oleh Rumah Sakit (RS) atau <em>overtreatment<\/em>.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dugaan ini dilatari angka kenaikan klaim kesehatan rasionya lebih tinggi dibandingkan kenaikan inflasi medis sendiri. Adapun inflasi medis per tahun naik sekitar 10-13% setiap tahun.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sementara itu,&nbsp; AAJI mencatat pada periode Januari\u2014Maret 2024, klaim kesehatan asuransi jiwa meningkat 29,6% secara tahunan (yoy) menjadi Rp5,96 triliun. Pada periode yang sama pada tahun sebelumnya klaim kesehatan yang dibayarkan industri asuransi jiwa mencapai Rp4,6 triliun.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cApakah ada <em>overtreatment<\/em>? Itu adalah salah satu hal yang sedang kami <em>explore<\/em>, kami sangat khawatir hal tersebut terjadi, karena <em>overtreatment<\/em> itu bukan hanya merugikan industri asuransi saja, tetapi <em>customer<\/em> pun dirugikan,\u201d jelas Fauzi dalam konferensi pers AAJI di Jakarta, Rabu (29\/5\/2025).&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fauzi mencontohkan apabila ada nasabah yang sakit flu, tetapi ia diminta untuk melakukan perawatan lain yang seharusnya tidak dilakukan, tentunya akan merugikan nasabah.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Untuk mengatasi hal ini, Fauzi menyebut AAJI tengah mengkaji pembentukan metode pertukaran informasi antar perusahaan anggota untuk menghindari <em>fraud<\/em>. \u201cIni sedang dalam proses <em>sharing data<\/em>, tujuannya agar kami punya keseragaman apabila memang ada <em>overtreatment<\/em> dari RS bisa kami <em>notice<\/em>,\u201d tambahnya.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain itu, AAJI juga mendukung langkah Otoritas Jasa Keuangan (OJK) yang telah menandatangani Nota Kesepahaman (MoU) dengan Kementerian Kesehatan (Kemenkes) untuk memperkuat ekosistem kesehatan melalui produk dan layanan asuransi kesehatan yang berkualitas.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di sisi lain, Ketua Dewan Pengurus AAJI Budi Tampubolon optimistis ada kesepakatan antar perusahaan asuransi jiwa serta RS terkait masalah kenaikan klaim kesehatan.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Sampai semua pihak ketemunya di mana, kami melihat bahwa masyarakat butuh kesehatan, tapi kalau layanan kesehatan mahal, makanya masyarakat butuh kepastian, makanya berasuransi. Dari sisi itunya sudah jelas, ada kebutuhan. Tinggal apakah antar perusahaan asuransi dan industri kesehatannya ada kepastian biaya juga tidak,&#8221; tutupnya. (rn\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Peningkatan klaim kesehatan masih menjadi perhatian industri asuransi jiwa. Selain adanya inflasi medis, diduga rumah sakit memberikan pelayanan yang berlebihan kepada pasiennya. Faktor lainnya yang turut menjadi penyebab melonjaknya klaim kesehatan adalah banyaknya masyarakat yang mulai berobat ke rumah sakit pasca Covid-19.&nbsp; Ketua Bidang Produk, Manajemen Risiko, GCG Asosiasi Asuransi Jiwa Indonesia (AAJI) [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3929,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[85],"tags":[2832,640,641,1068,1920,6877,827,3733],"class_list":["post-12723","post","type-post","status-publish","format-standard","has-post-thumbnail","category-insurance","tag-aaji","tag-asuransi","tag-jiwa","tag-kesehatan","tag-klaim","tag-overtreatment","tag-rumah","tag-sakit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>AAJI Duga Rumah Sakit Beri Layanan Berlebihan kepada Pasien - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=12723\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"AAJI Duga Rumah Sakit Beri Layanan Berlebihan kepada Pasien - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Peningkatan klaim kesehatan masih menjadi perhatian industri asuransi jiwa. Selain adanya inflasi medis, diduga rumah sakit memberikan pelayanan yang berlebihan kepada pasiennya. Faktor lainnya yang turut menjadi penyebab melonjaknya klaim kesehatan adalah banyaknya masyarakat yang mulai berobat ke rumah sakit pasca Covid-19.&nbsp; Ketua Bidang Produk, Manajemen Risiko, GCG Asosiasi Asuransi Jiwa Indonesia (AAJI) [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=12723\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-30T00:34:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-30T00:34:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2023\/01\/asuransi-e1673858292930.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1137\" \/>\n\t<meta property=\"og:image:height\" content=\"659\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rahman N\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rahman N\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=12723\",\"url\":\"https:\/\/businessupdate.id\/?p=12723\",\"name\":\"AAJI Duga Rumah Sakit Beri Layanan Berlebihan kepada Pasien - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2024-05-30T00:34:48+00:00\",\"dateModified\":\"2024-05-30T00:34:52+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=12723#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=12723\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=12723#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"AAJI Duga Rumah Sakit Beri Layanan Berlebihan kepada Pasien\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\",\"name\":\"Rahman N\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"caption\":\"Rahman N\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=4\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"AAJI Duga Rumah Sakit Beri Layanan Berlebihan kepada Pasien - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=12723","og_locale":"en_US","og_type":"article","og_title":"AAJI Duga Rumah Sakit Beri Layanan Berlebihan kepada Pasien - Businessupdate.id","og_description":"BusinessUpdate &#8211; Peningkatan klaim kesehatan masih menjadi perhatian industri asuransi jiwa. 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