Ability and Willingness to Pay Premium in the Framework of National Health Insurance System
Abstract: The National Health
Insurance is one of the government’s efforts to improve community access to
health services. The government has fixed the premiums to be paid by community,
except for underprivileged community. The aim of the study was to identify
Ability to Pay (ATP) and Willingness to Pay (WTP) of the national health
insurance premium.
Methods: A descriptive study which involved 210 housewives who were chosen by rapid survey
method was conducted from September to November 2013 in Cipacing village,
Jatinangor, Sumedang, West Java. Data collection was using questionnaire to
obtain level of ability and willingness to pay the health insurance premium.
The results were compared to the required premium by the government (Rp
22,000,-).
Results: Most of the respondents were only housewives, but there were
still respondents who were private workers. Most of them were 20–39 years old.
About 57.6% of the respondents were able to pay for the required premium, but
Only 17.4% of the them were willing to pay according to the required premium.
Conclusions: The ATP of the respondents are higher compared to the WTP,
meaning that most of the respondents are able to pay the requires premium but
are not willing to pay it.
Author: Aulia Abdillah
Ramadhan, Andri Reza Rahmadi, Henni Djuhaeni
Journal Code: jpkedokterangg150312