Community motivation and learning to pay the national health insurance contribution

Abstract

Background and Objective: The implementation of national health insurance in Indonesia is still very new and vulnerable to various problems. Investigating community motivation and learning towards national health insurance payments is vital for policy makers. This study aims to examine the community motivation and learning in the payment of contributions in Muna District, Indonesia. Materials and Methods: Qualitative data collection was conducted with in-depth interviews of 50 informants and 3 focus group discussions, consisting of participants who were in arrears on the payment of contributions, participants who routinely paid contributions, non-participant communities and local government. Results: The community conducting national health insurance registration is encouraged by the desire to relieve medical expenses in health facilities, family guarantees and some participants are not covered as beneficiaries. Participants are in arrears due to unpredictable family income, greater fees, other needs, busy activities, improved family health conditions and others. Participants who regularly pay due to family members still routinely perform health checks at health facilities, participants are satisfied with the health services. Participants have various experiences during treatment at health facilities, such as long queues at health facilities, referrals and no effective drugs. Conclusion: The motivation and learning of the community in the payment of contributions are made up of the economic condition of the family, the health condition and the experience of receiving health services at the health facility.