scholarly journals ANALYSIS OF WILLINGNESS TO PAY CONTRIBUTIONS IN THE MEMBERSHIP OF THE NATIONAL HEALTH INSURANCE IN REGENCY OF BANYUASIN

2021 ◽  
Vol 5 (2) ◽  
pp. 484-495
Author(s):  
Maya Apriani ◽  
Mohammad Zulkarnaian ◽  
Haerawati Idris
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Family Members ◽  
Dominant Factor ◽  
Ability To Pay ◽  
Disease Knowledge ◽  
History Of ◽  
Food Expenditure ◽  
Catastrophic Disease ◽  
Essential Food

BPJS Kesehatan as the manager of the National Security Program (JKN), can be an appropriate health insurance to reduce the risk of people bearing health costs from their own pocket (out of pocket) in a very large and can lead to poverty. This study aims to analyze the willingness to pay JKN contributions to farmers in Banyuasin Regency in order to identify community groups that need subsidies from the government. This research is an analytical study with cross sectional design. The population of this research is all residents who work as farmers and have not registered as JKN participants with a total sample of 176 people. data analysis used chi square test and logistic regression test. This study found that the willingness to pay JKN contributions of Rp22.028 per person per month. The determinants of willingness to pay contributions in JKN membership are family income, food expenditure, non-essential food expenditure, non-food expenditure, number of family members, history of catastrophic disease, knowledge of contributions, and the ability to pay JKN contributions. The most dominant factor affecting the willingness to pay is non-essential food expenditure. The willingness to pay the JKN dues is still low. The ability to pay contributions is influenced by income, food expenditure, non-essential food expenditure, total non-food expenditure, number of family members, history of catastrophic disease, knowledge of contributions, and the ability to pay JKN contributions.

scholarly journals Willingness and ability to pay for healthcare insurance: A cross-sectional study of Seven Communities in East and West Africa (SevenCEWA)

2021 ◽  
Vol 1 (11) ◽  
pp. e0000057
Author(s):  
Oladimeji Akeem Bolarinwa ◽  
Soter Ameh ◽  
Caleb Ochimana ◽  
Abayomi Olabayo Oluwasanu ◽  
Okello Samson ◽  
...  
Keyword(s):  
Health Insurance ◽  
Secondary Education ◽  
West Africa ◽  
Willingness To Pay ◽  
Healthcare Expenditure ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Cross Sectional ◽  
Ability To Pay ◽  
East And West

Willingness and ability to pay for insurance that would cover primary healthcare services has not been evaluated consistently in different African communities. We conducted a cross-sectional community health survey and examined willingness and ability to pay in 3676 adults in seven communities in four countries: Nigeria, Tanzania, Uganda and Kenya. We used an open-ended contingency valuation method to estimate willingness to pay and examined ability to pay indirectly by calculating the ratio of healthcare expenditure to total household income. Slightly more than three quarters (78.8%) of participants were willing to pay for a health insurance scheme, and just a little above half (54.7%) were willing to pay for all household members. Across sites, median amount willing to pay was $2 per person per month. A little above half (57.6%) of households in Nigeria were able to pay the premium. The main predictors of likelihood of being unwilling to pay for the health insurance scheme were increasing age [aOR 0.99 (95% CI 0.98, 1.00)], being female [0.68 (0.51, 0.92], single [0.32 (0.21, 0.49)], unemployment [0.54 (0.34, 0.85)], being enrolled in another health insurance scheme [0.45 (0.28, 0.74)] and spending more on healthcare [1.00 (0.99, 1.00)]. But being widow [2.31 (1.30, 4.10)] and those with primary and secondary education [2.23 (1.54, 3.22)] had increased likelihood of being willing to pay for health insurance scheme. Retired respondents [adjusted mean difference $-3.79 (-7.56, -0.02)], those with primary or secondary education [$-3.05 (-5.42, -0.68)] and those with high healthcare expenditure [$0.02 (0.00, 0.04)] predicted amount willing to pay for health insurance scheme. The willingness to pay for health insurance scheme is high among the seven communities studied in East and West Africa with socio-demography, economic and healthcare cost as main predictive factors.

scholarly journals Household Preferences and Willingness to Pay for Health Insurance in Kampala City: A Discrete Choice Experiment

2020 ◽  
Author(s):  
Edward Kalyango ◽  
Rornald Muhumuza Kananura ◽  
Elizabeth Ekirapa Kiracho
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Discrete Choice ◽  
Choice Experiment ◽  
Family Members ◽  
Chronic Illnesses ◽  
Insurance Scheme ◽  
Kampala City ◽  
Private And Public ◽  
Household Preferences

Abstract Introduction: Uganda is in discussions to introduce a national health insurance scheme. However, there is a paucity of information on household preferences and willingness to pay for health insurance attributes that may guide the design of an acceptable health insurance scheme. Our study sought to assess households’ preferences and willingness to pay for health insurance using a discrete choice experiment. Methods: This study was conducted from 16 th February 2020 to 10 th April 2020 on 240 households in Kawempe division, Kampala city, stratified into slum and non-slum communities in order to get a representative sample of the area. Four household and policy-relevant attributes were used in the experimental design of the study. Each respondent attended to 9 binary choice sets of health insurance plans. Data were analysed using mixed logit models. Results: Households from the non-slum and slum communities preferred plans that included both private and public providers to plans that included public providers only (non-slum 0.81 β , P<0.05; slum 0.87 β , p<0.05), and plans that covered extended family members to plans that had limitations on number of family members allowed (non-slum β 0.44, P<0.05; slum 0.36 β, p<0.05). Households from the non-slum community in particular preferred plans that covered chronic illnesses and major surgeries to other plans (0.97 β, P<0.05). Our findings suggest that location of the household matters in determining willingness to pay with households from non-slum communities willing to pay more for the preferred attributes. Conclusion : Potential health insurance schemes should consider including both private and public providers, fewer restrictions on the number of family members enrolled for both communities; and coverage for chronic illnesses and major surgeries for non-slum communities. However, the inclusion of more family members needs to be weighed against possible depletion of resources.

scholarly journals The Relationship of Ability to Pay and Ownership of Health Insurance towards Willingness to Pay Laboratory Services at Persahabatan Hospital, East Jakarta

2020 ◽  
Author(s):  
Siska Putri Utami ◽  
◽  
Yanti Harjono Hadiwiardjo ◽  
Kristina Simanjuntak ◽  
◽  
...  
Keyword(s):  
Health Insurance ◽  
Health Services ◽  
Willingness To Pay ◽  
Observational Research ◽  
Chi Square ◽  
Study Program ◽  
Cross Sectional ◽  
Ability To Pay ◽  
Laboratory Services ◽  
The Relationship

ABSTRACT Background: Limited cost of health services, especially in laboratory tests for diagnoses, causes doctors to consider patient’s willingness to pay so the costs are spent more efficiently. Some factors which supposedly affect the willingness to pay are ability to pay and health insurance ownership. This study aims to know the relationship between ability to pay and health insurance ownership with the willingness to pay for laboratory services in outpatients at RSUP Persahabatan. Method: This research was an analytical observational research with cross-sectional design. Samples consisted of 70 outpatients at RSUP Persahabatan laboratory collected by consecutive sampling. The dependent variable is willingness to pay and the independent variable are the ability to pay and insurance ownership measured using a questionnaire. The data was analyzed by Chi-square. Results: Chi-square test results showed relationship between the ability to pay and the willingness to pay for laboratory health services (OR= 13.14; 95% CI= 2.76 to 62.49; p< 0.001). There was no relationship between health insurance ownership and the willingness to pay for laboratory health services (OR= 2.82; 95% CI= 0.85 to 9.33; p= 0.083). Conclusion: High ability to pay will lead to high willingness to pay, since their need for food has been met and they will shift to the need for health. The health insurance ownership does not affect the willingness of patients in paying laboratory service. Keywords: Ability to Pay, Health Insurance, Hospital, Laboratory Services, Willingness to Pay. Correspondence: Siska Putri Utami. Medicine Study Program, Medicine Study Program, Faculty of Medicine, UPN “Veteran” Jakart. Jl. RS. Fatmawati Raya, Pd. Labu, Cilandak district, Depok, West Java, 12450. Email: [email protected]. Phone: (021) 7656971 DOI: https://doi.org/10.26911/the7thicph.04.18

scholarly journals Factors Affecting Willingness to Pay for Outpatient Services at RSU Tangerang Selatan

2020 ◽  
Vol 15 (1) ◽  
pp. 14
Author(s):  
Farah Elena Astrilia ◽  
Yanti Harjono Hadiwiardjo ◽  
Gatot Soeryo
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Outpatient Services ◽  
Access To Health Services ◽  
Cross Sectional ◽  
Factors Affecting ◽  
Treatment Experience ◽  
Ability To Pay ◽  
The Government ◽  
Information Treatment

Background: The government established a national health insurance program (NHI) to increase access to health services but the program is still not optimal, it affects the number of hospital visits and income. Therefore it required an analysis of patient’s willingness to pay out of pocket for outpatient services. The purpose of this study was to determine factors affecting patient’s willingness to pay. Method: This research is a cross sectional study involving 124 internal medicine outpatients at General Hospital (RSU) South Tangerang City in November 2019. Data were obtained from a questionnaire. Patient’s income, information, treatment experience, health insurance, distance to hospital, health service, ability to pay, and willingness to pay was investigated using chi square and logistic regression analysis. Results: The results outcomes showed that the level of willingness to pay of respondents is quite high and is influenced by patient’s income (p = 0.001), information (p = 0.045), treatment experience (p = 0.010), and ability to pay (ATP) (p = 0.001).  Factors that have the most significant associations were patient’s ability to pay (OR = 14,502). Conclusion: Patient’s income, information, treatment experience, and ATP affect the willingness to pay of patients.

scholarly journals Determinant of Willingness to Pay Health Insurance Contribution to Informal Workers

2020 ◽  
Vol 9 (2) ◽  
pp. 144-158
Author(s):  
Witati Witati ◽  
Phany Ineke Putri
Keyword(s):  
Willingness To Pay ◽  
Local Governments ◽  
Variable Number ◽  
Study Data ◽  
Informal Workers ◽  
Descriptive Research ◽  
Logistic Regression Method ◽  
History Of ◽  
Approach Method ◽  
Catastrophic Disease

The purpose of this study was to analyze the willingness to pay contributions of informal workers and the factors that affect the willingness to pay contribution of  Badan Penyelenggara Jaminan Sosial (BPJS) Kesehatan for informal workers in Brebes Regency. Descriptive research with quantitative approach method is used in this study. Data analysis method uses logistic regression method. The results showed that 71 respondents were willing to pay contribution of Badan Penyelenggara Jaminan Sosial (BPJS) Kesehatan for the sustainability of the program and improve the quality of service facilities and 29 respondents said they were not willing to pay. Factors that have a significantly affect on willingness to pay for informal workers are income variable, number of family members, and history of catastrophic disease. Whereas the factors that have no significant on willingness to pay are the last education variable and knowledge. The policy implication for local governments is to increase productivity in the informal sector which aims to increase income of informal workers and re-record Pekerja Bukan Penerima Upah (PBPU) participants who are economically incapable to be transferred to Penerima Bantuan Iuran (PBI) participants. Increase knowledge related to the importance of paying contributions to Pekerja Bukan Penerima Upah (PBPU) participants by Badan Penyelenggara Jaminan Sosial ( BPJS) Kesehatan.

FAKTOR SOSIAL EKONOMI YANG MEMPENGARUHI PENGELUARAN PANGAN RUMAH TANGGA MISKIN DI KECAMATAN BANGKO KABUPATEN MERANGIN

2020 ◽  
Vol 4 (2) ◽  
pp. 149
Author(s):  
Fikriman Fikriman ◽  
Febri Ari Budiman ◽  
Evo Afrianto
Keyword(s):  
Socioeconomic Factors ◽  
Linear Regression Analysis ◽  
Social Assistance ◽  
Family Members ◽  
Dominant Factor ◽  
Poor People ◽  
Poor Household ◽  
Household Food ◽  
Poor Households ◽  
Food Expenditure

ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh faktor-faktor Sosial Ekonomi terhadap pengeluaran pangan Rumah Tangga Miskin dan untuk mengetahui faktor sosial ekonomi yang paling dominan berpengaruh terhadap pengeluaran  pangan Rumah Tangga Miskin di Kecamatan Bangko Kabupaten Merangin. Penelitian ini dilaksanakan di Kecamatan Bangko Kabupaten Merangin. Pemilihan lokasi dilakukan secara sengaja dengan pertimbangan Kecamatan Bangko merupakan kecamatan dengan pusat perbelanjaan pangan di Kabupaten Merangin dan jumlah penduduk miskin terbesar ke-3 di Kabupaten Merangin. Penelitian dilaksanakan pada tanggal 10 Februari sampai dengan 10 Maret 2019.Sampel dalam penelitian diambil dari Desa Sungai Kapas yang merupakan jumlah keluarga miskin terbanyak dan Kelurahan Pasar Bangko yang merupakan pasar Kabupaten sebagai penyedia bahan pangan di Kecamatan Bangko, sehingga sampel di ambil dari dua desa/kelurahan tersebut dengan jumlah populasi 479 KK. Penarikan rumah tangga miskin sampel dilakukan secara proporsional sampling 10 % dari jumlah rumah tangga miskin yang ada di desa Sungai Kapas sehingga didapat 42 KK sedangkan sampel di Kelurahan Pasar Bangko diambil secara keseluruhan yaitu 62 KK rumah tangga miskin karena Populasi di Kelurahan Pasar Bangko kurang dari 100 KK. Sehingga diperoleh sampel sebanyak 104 rumah tangga miskin. Untuk menganalisis faktor sosial ekonomi yang mempenngaruhi pengeluaran pangan rumah tangga miskin digunakan metode analisis regresi linier berganda dengan menggunakan program SPSS, sedangkan untuk menganalisis faktor sosial ekonomi yang paling berpengaruh dilakukan uji Parsial dengan menggunakan uji T.Hasil penelitian menunjukkan bahwa secara bersama-sama atau serempak pendapatan, pendidikan ibu rumah tangga, jumlah anggota keluarga dan bantuan sosial terhadap pangan berpengaruh terhadap pengeluaran pangan rumah tangga miskin sebesar 17,9 % dengan nilai F hitung (5,400) > nilai F tabel (2,463) dan secara parsial atau individu, faktor yang berpengaruh terhadap pengeluaran untuk konsumsi pangan rumah tangga miskin adalah jumlah anggota keluarga dan bantuan sosial terhadap pangan. Faktor jumlah anggota keluarga adalah faktor yang paling dominan berpengaruh terhadap pengeluaran pangan rumah tangga miskin di Kecamatan Bangko dengan nilai t hitung 3,446 > dari nilai t tabel 1,984 Kata Kunci : Rumah Tangga Miskin, Pengeluaran Pangan dan Faktor Sosial EkonomiABSTRACT             This study aims to determine the effect of socioeconomic factors on poor household food expenditure and to find out the most dominant socioeconomic factors affecting poor household food expenditure in Bangko District, Merangin District. This research was conducted in Bangko District, Merangin Regency. The choice of location is done deliberately with consideration that Bangko District is a district with a food shopping center in Merangin Regency and the 3rd largest number of poor people in Merangin Regency. The study was conducted from 10 February to 10 March 2019.            The sample in this study was taken from Sungai Kapas Village which is the largest number of poor families and Pasar Bangko Village which is the Regency market as a food supplier in Bangko District, so the sample was taken from these two villages / kelurahan with a population of 479 households. The withdrawal of sample poor households was carried out by proportional sampling of 10% of the total number of poor households in Sungai Kapas village to get 42 households while the sample in Pasar Bangko Kelurahan was taken as a whole namely 62 households of poor households because the population in Pasar Bangko Kelurahan was less than 100 KK. So that a sample of 104 poor households was obtained. To analyze the socioeconomic factors that influence the expenditure of poor household food used multiple linear regression analysis method using the SPSS program, while to analyze the most influential socioeconomic factors a partial test using the T test was used.            The results showed that together or simultaneously income, education of housewives, number of family members and social assistance to food affected the food expenditure of poor households by 17.9% with a calculated F value (5,400)> F table value (2,463 ) and partially or individually, the factors that influence spending on food consumption of poor households are the number of family members and social assistance for food. The factor of the number of family members is the most dominant factor influencing the food expenditure of poor households in Bangko District with a t value of 3.446> of the value of t table 1.984 Keywords: Poor Households, Food Expenditures and Socio-Economic Factors

A STUDY OF ABILITY TO PAY AND WILLINGNESS TO PAY OF NATIONAL HEALTH INSURANCE VOLUNTARYPARTICIPANT IN RURAL AREA

2019 ◽  
Vol 22 (11) ◽  
pp. 174-182
Author(s):  
Arih Diyaning Intiasari ◽  
Budi Aji ◽  
Siti Masfiah ◽  
Laksono Trisnantoro ◽  
Julita Hendrartini
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Rural Area ◽  
National Health Insurance ◽  
National Health ◽  
Ability To Pay

scholarly journals Willingness to Pay for Social Health Insurance and Its Predictors among Government Employees in Mujja Town, Ethiopia

2021 ◽  
Vol 2021 ◽  
pp. 1-7
Author(s):  
Feleku Mekonnen Degie ◽  
Yeshambel Agumas Ambelie ◽  
Yared Mulu Gelaw ◽  
Getahun Fentaw Mulaw ◽  
Fentaw Wassie Feleke
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Associated Factors ◽  
Statistical Significance ◽  
Social Health Insurance ◽  
Social Health ◽  
Successful Implementation ◽  
Government Employees ◽  
History Of ◽  
Medical Bills

Background. Social health insurance is one of the possible organizational mechanisms for raising and pooling funds to finance health services, private health insurance, community insurance, and others. Objective. The study was aimed to assess willingness to pay for social health insurance and associated factors among government employees in Mujja town, Ethiopia. Methods. An institutional-based cross-sectional study was conducted on the total sample size of 375 study respondents. A simple random sampling technique was employed. Data were entered into EPI info 7 and analyzed by Statistical Package for Social Sciences version 22.0. Multivariable logistic regression was used to identify independent predictors by controlling confounding variables. Statistical significance was declared at p < 0.05 . Results. This study revealed that 37.6% (95% CI: 33.1%, 42.61%) respondents were willing to pay for social health insurance. In the final model, respondents who ever heard about health insurance schemes were seven times (AOR = 7.205; 95% CI: 1.385, 37.475) more likely willing to pay for social health insurance. Thos who had history of difficulty and having other source to cover medical bills were 92.6% (AOR = 0.074; 95% CI: 0.009, 0.612) and 94.6% (AOR = 0.054; 95% CI: 0.011, 0.257) less likely to pay, respectively. Conclusions. Willingness to pay for social health insurance was low. Being heard about health insurance, history of difficulty, and having other sources to cover medical bills were associated factors. Thus, it is recommended that media promotion and these factors should be considered for the successful implementation of the scheme.

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