scholarly journals DAMPAK KEPESERTAAN BPJS BAGI PEKERJA INFORMAL DI BOGOR

2017 ◽  
Vol 3 (1) ◽  
pp. 1-15
Author(s):  
Fredi Andria ◽  
Nandang Kusnadi
Keyword(s):  
Health Insurance ◽  
Informal Sector ◽  
Small Firms ◽  
Social Health Insurance ◽  
Economic Sectors ◽  
Informal Workers ◽  
The Impact ◽  
Group Health Insurance ◽  
Personal Insurance

ABSTRACTHealth insurance available in Indonesia is still very limited in scope, given to a small proportion of the Population of Beneficiaries (PBI) and formal workers. This is also the case in the Bogor region, whereas the informal sector population in Bogor dominates more than 70%. The participation of the informal sector population in Bogor City is still low, reaching only 30% of the total population. Informal sector workers working in small firms, entrepreneurs in the informal and underemployed or elderly economic sectors, will rely on personal insurance or assistance from close and distant relatives and local communities, resulting in a very limited sustainability of group health insurance. In order to increase membership and coverage of health insurance can be expanded, the groups of informal sector workers in the area of Bogor must be recognizable and at the same time can be distinguished by their characteristics. It is necessary to define various segments of informal sector workers. More specifically, it is necessary to establish the mechanisms of the population engaged in the informal sector to be optimized for their participation in the health insurance program coordinated by the BPJS. Therefore it is necessary to analyze the needs of social health insurance system based on identification of informal workers (case study in Bogor city), so that the impact of health insurance (BPJS) partnership can be constructed for informal sector people.Keywords: BPJS, Health Insurance, Informal Sector, Partnership

scholarly journals Why did informal sector workers stop paying for health insurance in Indonesia? Exploring enrollees’ ability and willingness to pay

PLoS ONE ◽  
2021 ◽  
Vol 16 (6) ◽  
pp. e0252708
Author(s):  
Muttaqien Muttaqien ◽  
Hermawati Setiyaningsih ◽  
Vini Aristianti ◽  
Harry Laurence Selby Coleman ◽  
Muhammad Syamsu Hidayat ◽  
...  
Keyword(s):  
Health Insurance ◽  
Willingness To Pay ◽  
Informal Sector ◽  
Qualitative Interviews ◽  
Social Health Insurance ◽  
Informal Worker ◽  
Informal Workers ◽  
Large Groups ◽  
Ability And Willingness ◽  
Do So

Indonesia faces a growing informal sector in the wake of implementing a national social health insurance system—Jaminan Kesehatan Nasional (JKN)—that supersedes the vertical programmes historically tied to informal employment. Sustainably financing coverage for informal workers requires incentivising enrolment for those never insured and recovering enrolment among those who once paid but no longer do so. This study aims to assess the ability- and willingness-to-pay of informal sector workers who have stopped paying the JKN premium for at least six months, across districts of different fiscal capacity, and explore which factors shaped their willingness and ability to pay using qualitative interviews. Surveys were conducted for 1,709 respondents in 2016, and found that informal workers’ average ability and willingness to pay fell below the national health insurance scheme’s premium amount, even as many currently spend more than this on healthcare costs. There were large groups for whom the costs of the premium were prohibitive (38%) or, alternatively, they were both technically willing and able to pay (25%). As all individuals in the sample had once paid for insurance, their main reasons for lapsing were based on the uncertain income of informal workers and their changing needs. The study recommends a combination of strategies of targeting of subsidies, progressive premium setting, facilitating payment collection, incentivising insurance package upgrades and socialising the benefits of health insurance in informal worker communities.

scholarly journals Factors that affect social health insurance enrollment and retention of the informal sector in the Philippines: a qualitative study

2020 ◽  
Author(s):  
Reneepearl Kim Sales ◽  
Gladys Kaye Reyes ◽  
Timothy Ting ◽  
Dante Salvador
Keyword(s):  
Health Insurance ◽  
Informal Sector ◽  
Social Protection ◽  
Group Discussion ◽  
Social Health Insurance ◽  
The Philippines ◽  
Social Health ◽  
Factors Affecting ◽  
Informal Workers ◽  
Insurance Enrollment

Abstract Background. The primary goal of providing social protection to informal sector workers is to guarantee a minimum level of income and dignity that allows for better protection against income shocks and other vulnerabilities. With the passage of the Universal Health Care Act in the Philippines, the determination of factors affecting enrollment and retention into social health insurance among informal sector workers in the Philippines is crucial to design appropriate policies and programs fit to their needs. Methods. This study aimed to identify factors that affect social health insurance enrollment and retention of the informal sector in the Philippines through qualitative research methods of face-to-face, semi-structured focus group discussion and key informant interviews. Results. The analysis identified five broad themes that affect informal sector enrollment and retention in social health insurance: 1) overlaps in categorization, 2) insufficient or inappropriate social health insurance initiatives for the informal sector, 3) awareness and understanding of social health insurance, 4) supply side factors, and 5) convenience and amount of premium payment. Conclusion. Informal workers are individuals who are not covered by protective labor laws and tend to not belong or contribute to a national health insurance scheme. In the case of the Philippines, the diversity of informal work and dynamic nature of the sector works against an ideal one-size-fits-all solution to increasing informal sector enrollment and retention to social health insurance.

scholarly journals Knowledge and implementation of Tertiary Institutions’ Social Health Insurance Programme (TISHIP) in Nigeria; a case study of Nnamdi Azikiwe University, Awka

2017 ◽  
Vol 28 ◽  
Author(s):  
Maureen Ugonwa Anetoh ◽  
Chiamaka Henrietta Jibuaku ◽  
Sunday Odunke Nduka ◽  
Samuel Uchenna Uzodinma
Keyword(s):  
Health Insurance ◽  
Social Health Insurance ◽  
Social Health ◽  
Tertiary Institutions ◽  
Insurance Programme ◽  
Health Insurance Programme

scholarly journals The Impact of Health Insurance Schemes for the Informal Sector in Low- and Middle-Income Countries: A Systematic Review

2012 ◽  
Vol 28 (2) ◽  
pp. 236-266 ◽  
Author(s):  
A. Acharya ◽  
S. Vellakkal ◽  
F. Taylor ◽  
E. Masset ◽  
A. Satija ◽  
...  
Keyword(s):  
Systematic Review ◽  
Health Insurance ◽  
Informal Sector ◽  
Middle Income ◽  
Middle Income Countries ◽  
The Impact ◽  
Low And Middle Income

Evaluating the Impact and Effectiveness of Community-Based Health Insurance Policy Among Informal Sector in Lagos State Using Donabedian Model

2021 ◽  
Vol 5 (2) ◽  
pp. 65-80
Author(s):  
Afeez Kolawole Shittu ◽  
Kikelomo Aboyowa Mbada ◽  
Temitayo Isaac Odeyemi
Keyword(s):  
Health Insurance ◽  
Informal Sector ◽  
Urban Areas ◽  
National Level ◽  
Community Based ◽  
Community Based Health Insurance ◽  
Healthcare Needs ◽  
Lagos State ◽  
Donabedian Model ◽  
The Impact

The study used the Donabedian model (process, structure, and outcome) to evaluate the impact and effectiveness of the Community Based Health Insurance Scheme (CBHIS) among informal sector population in rural and semi-urban areas of Lagos State, and the respondents were drawn among the market men and women, motorist, among others. Three hundred and eighty-four (384) respondents were sampled based on the research advisor's sampling size. Lagos State is stratified along with its three senatorial districts and a local government each is purposively selected based on the full implementation of CBHIS. Data were analysed using descriptive and interferential statistics and the result revealed that 55% of respondents attested to the effectiveness of CBHIS in drastically reducing the cost of medical services and enhancing equal accessibility for healthcare needs. On the other hand, the implementation of CBHIS has no significant impact on healthcare service delivery due to the unfriendly attitude of healthcare providers towards the beneficiaries. The study concluded by providing information on the outcomes of CBHIS implementation at the sub-national level of government in Nigeria and suggest ways of improvement.

The Impact of States' Small Group Health Insurance Reforms on Uninsurance Rates

2005 ◽  
Vol 20 (3) ◽  
pp. 11-50
Author(s):  
Sudha Xirasagar ◽  
Carleen H. Stoskopf ◽  
James R. Hussey ◽  
Michael E. Samuels ◽  
William R. Shrader ◽  
...  
Keyword(s):  
Health Insurance ◽  
Small Group ◽  
Group Health ◽  
The Impact ◽  
Group Health Insurance

scholarly journals Impacts of the type of social health insurance on health service utilisation and expenditures: implications for a unified system in China

2018 ◽  
Vol 14 (4) ◽  
pp. 468-486 ◽  
Author(s):  
Si Ying Tan ◽  
Xun Wu ◽  
Wei Yang
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Insurance Coverage ◽  
Social Health Insurance ◽  
Rapid Expansion ◽  
Social Health ◽  
Service Utilisation ◽  
Provider Payment ◽  
Out Of Pocket Payments ◽  
The Impact

AbstractWhile moving towards unified social health insurance (SHI) is often a politically popular policy reform in countries where rapid expansion in health insurance coverage has given rise to the segmentation of SHI systems as different SHI schemes were rolled out to serve different populations, the potential impacts of reform on service utilisation and health costs have not been systematically studied. Using data from the Chinese Health and Retirement Longitudinal Study (CHARLS), we compared the mean costs incurred for both inpatient and outpatient care under different health insurance schemes, and the impact of different SHI schemes on treatment utilisation and health care costs using a two-part model. Our results show that Urban Employee Medical Insurance, which offers the most generous benefits, incurs the highest total costs prior to reimbursement when compared to other SHI schemes. Our analysis also shows that utilisation of SHI did not show significant reduction in out-of-pocket payments for outpatients. We argue that, unless effective measures are introduced to deal with perverse provider payment incentives, the move towards a unified system with more generous benefits may usher in a new wave of cost escalation for health care systems in China.

scholarly journals Bismarck’s Health Insurance and the Mortality Decline

2019 ◽  
Vol 18 (5) ◽  
pp. 2561-2607 ◽  
Author(s):  
Stefan Bauernschuster ◽  
Anastasia Driva ◽  
Erik Hornung
Keyword(s):  
Health Insurance ◽  
Fixed Effects ◽  
Natural Experiment ◽  
Social Health Insurance ◽  
Insurance Fund ◽  
Difference In Differences ◽  
German Empire ◽  
Compulsory Health Insurance ◽  
The Impact ◽  
Significant Mortality

Abstract We study the impact of social health insurance on mortality. Using the introduction of compulsory health insurance in the German Empire in 1884 as a natural experiment, we estimate difference-in-differences and regional fixed effects models exploiting variation in eligibility for insurance across occupations. Our findings suggest that Bismarck’s health insurance generated a significant mortality reduction. Despite the absence of antibiotics and most vaccines, we find the results to be largely driven by a decline of deaths from infectious diseases. Further evidence suggests that statutory access to well-trained doctors was an elementary channel. This finding may be explained by insurance fund physicians transmitting new knowledge on infectious disease prevention.

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