Willingness to Pay for the National Health Insurance Premium among Traders in Ogan Hilir, South Sumatera

Anjelina Dwi Yunianti1), Misnaniarti2)


1)Faculty of Public Health, Universitas Sriwijaya

2)Department of Health Policy and Administration, Faculty of Public Health, Universitas Sriwijaya


The Indonesian National Health Insurance (NHI), namely Jami­nan Kesehatan Nasional (JKN), aims to achieve Universal Health Coverage (UHC). UHC exists when all people receive the quality health services they need with­out suffering financial hardship. This study aimed to examine willingness to pay (WTP) for NHI premium among traders in Ogan Hilir, South Sumatera.

Subjects and Method: This was a cross-sectional study conducted at Simpang Timbangan Community Health Center, Ogan Hilir, South Sumatera. A total of 106 traders were selected for this study by random sampling. The dependent vari­able was WTP of NHI premium. The independent variables were age, sex, exis­ting chronic disease, ability to pay, income, information about NHI, perceived complete­ness of health facility, and distance to health facility. The data were col­lec­ted by questionnaire and analyzed by a multiple logistic regression.

Results: As much as 55.6% of the sampled traders were willing to pay for NHI premium. The WTP of NHI premium increased with female (OR= 1.75; p= 0.048), older age (OR= 3.10; p= 0.037), existing chronic disease (OR= 5.21; p= 0.022), high income (OR= 7.54; p= 0.001), well informed of NHI (OR= 4.02; p= 0.025), and complete facility (OR= 2.23; p= 0.047). The WTP of NHI premium decreased with lower education (OR= 0.52; p= 0.048), poor knowledge of NHI (OR= 0.43; p= 0.037), large family size (OR= 0.22; p= 0.001), and distant to health facility (OR= 0.60; p= 0.025).

Conclusion: The WTP of NHI premium increases with female, older age, exis­ting chronic disease, high income, well informed of NHI, and complete facility. It de­c­reases with lower education, poor knowledge of NHI, large family size, and distant to health facility.

Keywords: national health insurance, premium, willingness to pay, trader.

Correspondence: Misnaniarti. Department of Health Policy and Administration, Faculty of Public Health, Universitas Sriwijaya, Jl. Palembang-Prabumulih KM. 32 Indralaya, Ogan Ilir, South Sumatera 30662. Email: misnaniarti@fkm.unsri.ac.id. Mobile: 089679666084

DOI: https://doi.org/10.26911/theicph.2018.04.09


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