Jakarta, CNBC Indonesia – Failure to become a legislative candidate can certainly have an impact on the mental condition of the person concerned. It’s natural that the costs incurred for nomination are not small, financial problems can certainly make a person’s life even more stressful.

In the medical world, health services are actually divided into two types, namely outpatient treatment and inpatient treatment. Inpatient care is a form of hospital health care where the patient stays or stays for at least one day.

While outpatient is a service for patients who enter a place of treatment for observation, diagnosis, treatment, medical rehabilitation or other health services without staying or staying overnight in the hospital.

Psychiatric treatment can actually be done in two ways, namely mental outpatient treatment and mental inpatient treatment.

In 2019, BPJS announced that they would cover medical costs for legislative candidates who were stressed due to failed elections. However, of course, the legislative candidate concerned must go to the Level I Health Facility first to get a referral.

If the Social Security Administering Body (BPJS) for Health can be used to undergo treatment for mental disorders, what happens to insurance?

An observer and practitioner in the life insurance industry, Susatyo Widodo, said that it seems that mental health treatment cannot be covered easily through health insurance.

“Psychiatric treatment (in the form of consultation) actually exists, but generally it is a companion benefit to coverage for critical illnesses,” said Susatyo to CNBC (16/2/2024).

Susatyo added, if someone is infected with a critical illness, for example cancer or another disease, generally there will be assistance from a psychiatric doctor or psychologist. The consultation costs will be covered.

However, as time goes by, Susatyo said that recently a number of insurance companies have begun to review several products related to psychiatric treatment benefits.

“Breakthroughs like this are starting to be made by a number of insurance companies considering that there is starting to be demand for this service. This demand comes from Generation Z people who recently consider that consulting a psychologist to maintain mental health is part of their lifestyle,” he continued.

[Gambas:Video CNBC]

(aak/aak)