Identification of Community Characteristics and Perceptions Toward Health and Life Insurance in Rural Indonesia
DOI:
https://doi.org/10.18502/kss.v9i2.14887Abstract
A lower quality of life than urban dwellers makes rural residents less likely to take insurance products. Identification of characteristics and perceptions of rural communities towards health and life insurance is the aim of this study to see what problems make villagers less concerned about insurance. This study uses a mixed method that combines percentage analysis with qualitative analysis to see problems in rural areas related to insurance. There are three perceptions of rural communities towards insurance. First, insurance is an important but not too urgent need, secondly, the obligation to purchase insurance products by the government and assistance by companies is the main factor, and lastly, purchasing private insurance products is only to get better service and complement national insurance. There are seven group characters of rural residents who use insurance. Unawareness and ignorance of insurance made 15% of respondents not have insurance from government programs while convenience and flexibility in services made 11% of respondents use private insurance.
Keywords: rural resident, perception, insurance
References
Mueller KJ, Alfero C, Andrew Coburn MF, Lundblad JP, Clinton MacKinney MA, Timothy McBride MD, et al. Insuring Rural America: Health Insurance Challenges and Opportunities Prepared by the RUPRI Health Panel. 2018;( July). Available from: http://www.rupri.org/wp-content/uploads/Insuring-Rural-America.pdf
Saltman R, Busse R, Figueras J. Social Health Insurance Systems in Western Europe (European Observatory on Health Systems and Policies). 2004;( January 2004):328. Available from: http://www.amazon.com/Insurance-Systems-European-Observatory- Policies/dp/0335213634
Audibert M, Huang X, Huangfu X, Mathonnat J, Pélissier A, Petitfour L. Health Insurance Reforms and Health Policies in Rural China. China Perspect. 2016;2016(4):29–38. DOI: https://doi.org/10.4000/chinaperspectives.7098
BPS. Mid year population statistics. [Internet]. 2022 [cited 2022 Jul 5]. Available from: https://nso.gov.mt/en/publications/.../Malta_in_Figures 2012 pdf
BPJS-Kesehatan. Peserta JKN Capai 241,79 Juta Jiwa per Juni 2022 [Internet]. 2022 [cited 2022 Jul 5]. p. 2022. Available from: https://www.bpjskesehatan. go.id/bpjs/post/read/2022/2235/Tindak-Lanjuti-Inpres-12022-BPJSKesehatan- Kementerian-ATRBPN-Perkuat-Kolaborasi
Kemenakertrans. Jumlah kepesertaan BPJS Ketenagakerjaan periode April 2022 [Internet]. 2022 [cited 2022 Jul 5]. Available from: https://satudata.kemnaker.go.id/data/kumpulan-data/680
BPS. LABOUR FORCE SITUATION IN INDONESIA FEBRUARY 2022 [Internet]. 2022 [cited 2022 Jul 5]. Available from: https://www.bps.go.id/publication/2022/06/07/ c81631f750ee1ece2c3eb276/keadaan-angkatan-kerja-di-indonesia-februari-2022. html
AAJI. Jumlah Tertanggung Tumbuh 18,1%, Industri Asuransi Jiwa Melindungi 75,45 Juta Masyarakat Indonesia di Kuartal I-2022 [Internet]. 2022. Available from: https://aaji.or.id/NewsEvent/jumlah-tertanggung-tumbuh-industriasuransi- jiwa-melindungi-7545-juta-masyarakat-indonesia-di-kuartal-i-2022
Dercon S. Risk, poverty and insurance [Internet]. Focus (Madison). 2009;17(3):2. Available from: http://www.ifpri.org/publication/risk-poverty-andinsurance% 5Cnhttp://www.ifpri.org/sites/default/files/publications/focus17_03.pdf
Ahmed A. Perception of Life Insurance Policies in Rural India. Kuwait Chapter Arab J Bus Manag Rev. 2013;2(6):17–24. DOI: https://doi.org/10.12816/0001204
Charities Aid Foundation. World Giving [Internet]. 2021. Available from: www.cafonline.org
Jutting J. Health insurance for the rural poor? [Internet]. 2003. Available from: https://www.oecd.org/dev/2510517.pdf
