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Determinant of Health Insurance Ownership in the Informal Sector: A Panel Study from Indonesia Family Life Survey

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Background: One of the challenges in the effort to expand the coverage of national health insurance is covering the informal sectors. The large proportion of informal sectors is a characteristic of developing countries, including Indonesia. Information about the determinants of health insurance ownership is an important part of the efforts to expand participation to achieve universal health coverage. This study’s objective was to analyze the determinants of health insurance ownership in the informal sector based on their characteristics. Method: The analysis was using panel data obtained from the Indonesia Family Life Survey (IFLS) in 2000 and 2007. Samples consisted of 9,876 individuals of the informal sector aged 15–65 years. The method of analysis was probit analysis. Results: Based on the analysis result, the majority of the informal sector (83.34%) did not have health insurance yet. As many as 2.97% individuals of the informal sector had health insurance through a contributory scheme, whereas 13.69% were using a subsidized scheme. The predictor for subsidized scheme health insurance ownership among informal sector workers was affected by the following factors: female, residents in Eastern Indonesia, urban, felt sick, had illness symptoms and smoking behavior. The predictor for ownership of health insurance with contributory scheme was influenced the by the factors of age, female, income level, education level, urban and residents of Java/Bali. Conclusion: The factors of demographic, social, economic, behavior and health status affect the ownership of health insurance. The understanding of these factors will increase the participation expansion strategy to achieve universal health coverage.
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Keywords: Determinant; Health Insurance; Indonesia Family Life Survey (IFLS); Informal Sector

Document Type: Research Article

Affiliations: 1: Faculty of Public Health, Sriwijaya University, Indonesia 2: Faculty of Economics and Business, Gadjah Mada University, Indonesia 3: Faculty of Medicine, Gadjah Mada University, Indonesia

Publication date: April 1, 2017

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