Differences In Attitude Of Urban And Rural Residents In Accepting National Health Insurance

Arlina Dewi, Ali Ghufron Mukti, Bhisma Murti


This paper is aimed to demonstrate the differences of urban and rural resident’s attitude as well as to know the factors influencing the resident acceptance to the national health insurance (NHI) in Indonesia. The research was conducted through a survey in household heads by applying cross sectional design. The sample is collected through purposive cluster quota for 1,289 samples from three provinces. A structured questionnaire was used as instrument. A logic regression model was used to analyze the factors influencing willingness to pay NHI between rural and urban resident. The findings of the study revealed that the rural resident has higher level of acceptance to the government’s plan to obligate NHI than the urban resident (p<0,001). The willingness of urban resident to pay the premium is significantly influenced by education level (high), the condition of family health (unhealthy), household head’s occupation (formal), and the level of family wealth (high). While the willingness of rural resident to pay the premium is significantly influenced by the level of family wealth (high), the presence of toddler and geriatric in the family (unpresent), and the health condition of the household heads (healthy). To increase public participation in NHI program, the government will need to consider urban and rural residents difference.

Keywords: National Health Insurance, the acceptance, urban, rural

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ISSN (Paper)2224-3208 ISSN (Online)2225-093X

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