Catastrophic illnesses are life-threatening conditions requiring long-term medical treatment and incurring substantial medical expenses.
In the National Health Insurance (JKN) program managed by BPJS Kesehatan, catastrophic illnesses are classified as heart disease, cancer, stroke, kidney failure, cirrhosis, thalassemia, leukemia, and hemophilia.
The number of catastrophic illness cases in Indonesia has been increasing. Throughout 2022, BPJS Kesehatan handled approximately 23.3 million catastrophic illness cases, an 18.6% increase compared to 2021.
The cost of treating catastrophic illnesses covered by BPJS Kesehatan in 2022 nearly reached Rp24.1 trillion, a 34.3% increase compared to the previous year.
In 2022, the most prevalent catastrophic illnesses in Indonesia were heart disease (15.5 million cases), cancer (3.2 million cases), stroke (2.5 million cases), and kidney failure (1.3 million cases).
In 2022, the cost of treating catastrophic illnesses accounted for 21% of the total health insurance burden covered by BPJS.
Although treatment costs are covered, patients with catastrophic illnesses are not entirely free from economic burdens caused by these diseases.
This was stated by the Smeru Research Institute in its report, *Exploring Policy Options for Sustainable JKN Financing* (September 2020).
"Although JKN has proven capable of alleviating the economic burden on patients, household out-of-pocket expenses for inpatient and outpatient services remain quite high, especially for catastrophic/chronic illnesses," stated the Smeru team in their report.
To reduce the financing burden, Smeru encourages the government to prioritize preventive healthcare services.
"Various studies have found that countries such as Japan, China, New Zealand, Finland, and the UK, which invest more in promoting health and preventing disease, have successfully reduced the prevalence and mortality rates from heart disease and other non-communicable diseases," they stated.