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
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Indonesia Family Life Survey (IFLS);
Document Type: Research Article
Faculty of Public Health, Sriwijaya University, Indonesia
Faculty of Economics and Business, Gadjah Mada University, Indonesia
Faculty of Medicine, Gadjah Mada University, Indonesia
Publication date: April 1, 2017
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ADVANCED SCIENCE LETTERS is an international peer-reviewed journal with a very wide-ranging coverage, consolidates research activities in all areas of (1) Physical Sciences, (2) Biological Sciences, (3) Mathematical Sciences, (4) Engineering, (5) Computer and Information Sciences, and (6) Geosciences to publish original short communications, full research papers and timely brief (mini) reviews with authors photo and biography encompassing the basic and applied research and current developments in educational aspects of these scientific areas.
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