Health Service Utilization and Its Determinants Among National Health Insurance Participants in Indonesia: A Community-Based Survey

Author(s)

Dwi Endarti, PhD, Ryan Astaruddin, M.Pharm, Anung Khoiri Sukanto, M.Pharm, Tri Murti Andayani, PhD, Anna Wahyuni Widayanti, PhD.
Faculty of Pharmacy, Universitas Gadjah Mada, Yogyakarta, Indonesia.
OBJECTIVES: The utilization of healthcare services by the JKN (National Health Insurance) participants is one of the indicators of achieving equity in the health sector. Various variables have been identified as factors that influence the utilization of healthcare services. This study aimed at measuring the healthcare service utilization among JKN participants in Indonesia and analyzing its determinants factors.
METHODS: This study applied a descriptive observational research design with a cross-sectional data collection approach. A survey-based data was collected from all regions in Indonesia using an online survey. The study population consisted of public respondents with inclusion criteria of JKN participants, aged ≥ 18 years, able to communicate well, and agreeing to informed consent. This study involved 436 respondents, in which 233 respondents fulfilled survey of utilization of primary healthcare and 203 respondents fulfilled survey of utilization of referral healthcare.
RESULTS: The utilization of JKN health services through several indicators was as follows: 98.2% of respondents utilized FKTP (the first level of health facilities) and 98% of respondents utilized FKRTL (the referral health facilities) provided by JKN; 71.7% of respondents in FKTP and 71.2% in FKRTL utilized BPJS (JKN payment scheme) for health care payment; 28.8% of respondents in FKTP and 41.9% of respondents in FKRTL made out-of-pocket payments for health service. Respondent’s characteristics that were significantly associated with the utilization of JKN health services including income level and the decision to visit health facilities provided by JKN, education level, income level, marital status, and employment status.
CONCLUSIONS: This study shows that the utilization of healthcare services by the JKN participants was not yet maximum. Findings from this study are expected to provide input for efforts to improve the utilization of health services and support the achievement of equity in health services.

Conference/Value in Health Info

2025-11, ISPOR Europe 2025, Glasgow, Scotland

Value in Health, Volume 28, Issue S2

Code

HPR113

Topic

Epidemiology & Public Health, Health Policy & Regulatory, Health Service Delivery & Process of Care

Topic Subcategory

Insurance Systems & National Health Care

Disease

No Additional Disease & Conditions/Specialized Treatment Areas

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