Jakarta. Health services for disaster victims are handled under a separate government mechanism and are generally not covered by the National Health Insurance (JKN) program, BPJS Kesehatan said.

BPJS Kesehatan Head of Public Relations Rizzky Anugerah explained that health services provided to disaster victims have a different mechanism from regular services covered by JKN participants.

According to Rizzky, the government has established a health response system for disaster situations, implemented in accordance with prevailing disaster management regulations.

“When a disaster occurs, the government has a mechanism for providing health services to affected communities, which is implemented in accordance with disaster management regulations,” Rizzky said.

He explained that health services provided during the emergency response period are not included in the benefits covered by the JKN program. This is because the financing of disaster response is part of disaster management, which falls under the responsibility of the government.

Local governments also play an important role in ensuring access to health services for communities affected by disasters. Financing for disaster victims can come from regional budgets (APBD) as well as support from the central government, in accordance with applicable disaster management regulations.

As a result, affected communities can continue to access health services even though the financing does not come through the JKN program.

For example, following the earthquake in East Nusa Tenggara (NTT) in August 2026, the government allowed health facilities to use the BPJS Kesehatan mechanism for medical services, including surgical procedures. However, the resulting costs were subsequently covered through the Ready-to-Use Fund (DSP) from the National Disaster Management Agency (BNPB), rather than the Health Social Security Fund (DJS) financed by participant contributions.

Similarly, during the floods and landslides in Aceh Tamiang in December 2025, all claims for patients affected by the hydrometeorological disaster were charged to the Ready-to-Use Fund (DSP) held by BNPB and managed by the Health Ministry.

In another case, when floods hit Jakarta in January 2026, Jakarta Governor Pramono Anung declared a disaster status and ensured health services for residents through the regional budget.

However, this does not mean JKN participants lose their rights to health services. Participants who develop illnesses or require treatment that is not directly related to a disaster can continue to access services through BPJS Kesehatan in accordance with applicable regulations.

For instance, participants undergoing treatment for chronic conditions such as diabetes, hypertension, heart disease, kidney failure requiring dialysis, or cancer can continue to receive services covered by BPJS Kesehatan. As long as these health conditions are not caused by the disaster, their treatment costs will continue to be covered under the JKN program as usual.

“Participants affected by disasters will continue to receive health treatment according to their conditions. However, the financing mechanism for health services resulting from disasters follows disaster management regulations,” Rizzky said.

He stressed that the public should not worry about losing access to health services during a disaster. The government and relevant stakeholders continue to work to ensure that communities’ health needs are met, either through disaster management schemes or existing health programs.

Disaster management itself is governed by Law No. 24/2007 on Disaster Management, which outlines the responsibilities of the central and regional governments, including providing financing support for affected communities.

Health services during disasters therefore involve coordination among various parties, including the central government, local governments, health facilities, and other relevant agencies. The response is adjusted to the level of emergency and the needs of communities in affected areas.

Meanwhile, JKN participants in disaster-affected areas can continue to access various BPJS Kesehatan administrative services digitally. Rizzky encouraged the public to use available service channels to access information and manage membership-related needs without having to visit a BPJS Kesehatan office.

Available services include the Mobile JKN application, Care Center 165, and WhatsApp services through PANDAWA at 08118165165. Through these channels, participants can access information and manage their membership administration more conveniently.

“In situations where people are unable to travel much, digital services can be an alternative for maintaining access to JKN administrative services,” Rizzky said.

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