Pengaruh Kepemilikan Jaminan Kesehatan terhadap Belanja Kesehatan Katastropik Rumah Tangga di Indonesia Tahun 2012

https://doi.org/10.22146/jkki.12186

Lena Elfrida Situmeang(1*), Budi Hidayat(2)

(1) Fakultas Kesehatan Masyarakat Universitas Indonesia
(2) Departemen Administrasi Kebijakan Kesehatan, Fakultas Kesehatan Masyarakat, Universitas Indonesia
(*) Corresponding Author

Abstract


Background: Indonesia’s health development geared to achieve national health insurance scheme (JKN). However, funding of health in Indonesia is still dominated by domestic funding through out-of-pocket (OOP). Objective: Catastrophic health expenditure of households will disrupt household consumption and can lead to poverty. Using secondary data of the National Social Surveys 2 (Susenas) 2012, this study aims to prove health insurance ownership lowers catastrophic health expenditure of households in Indonesia in 2012. Methods: This study used a cross-sectional study design with models probit and bivariate probit. Results: The results found that the health insurance ownership lowers catastrophic health expenditure amounted 12.97% at the threshold 10% of total expenditure and amounted 18.42% at 20% of total non-food expenditure. Conclutions: Health insurance ownership provides protection for catastrophic health expenditure in Indonesia in 2012.

ABSTRAK

Latar Belakang: Pembangunan kesehatan Indonesia diarahkan untuk mencapai Jaminan kesehatan Nasional (JKN). Namun, sebagian besar pendanaan kesehatan masih didominasi oleh rumah tangga melalui out-of-pocket (OOP). Pengeluaran biaya kesehatan katastrofik rumah tangga akan mengganggu konsumsi rumah tangga dan dapat mengakibatkan kemiskinan. Tujuan: Menggunakan data sekunder Survei Sosial Nasional (Susenas) tahun 2012, penelitian ini bertujuan membuktikan bahwa kepemilikan jaminan kesehatan menurunkan belanja kesehatan katastrofik rumah tangga di Indonesia tahun 2012. Metode: Penelitian dengan desain studi potong lintang ini, menggunakan pendekatan ekonometrik dengan model probit dan bivariat probit. Hasil: Hasil penelitian menunjukkan bahwa kepemilikan jaminan kesehatan menurunkan belanja kesehatan katastrofik sebesar 12.97% pada ambang batas 10% dari total pengeluaran dan sebesar 18.42% pada ambang batas 20% total pengeluaran non-makanan. Kesimpulan: Kepemilikan jaminan kesehatan memberikan perlindungan terhadap belanja kesehatan katastrofik di Indonesia pada Tahun 2012.

 


Keywords


Health insurance; Catastrophic health expenditure; Probit; Bivariate probit; Susenas; Jaminan kesehatan; Belanja kesehatan katastrofik; Probit; Bivariat probit; Susenas

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DOI: https://doi.org/10.22146/jkki.12186

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