Community

Abstract

One of the problems that occurred during the implementation of National Health Insurance (NHI) in Indonesia was the mismatch between the total revenue contribution with the total cost of benefits that must be spent to finance the health services of the participants. The rate of contribution collectability in the independent participant segment is the lowest compared to the collectability of contributions in other segments of participation. This study aims to examine community perceptions in constructing community behavior in the payment of contributions of independent health insurance or BPJS Mandiri in Muna District. This research uses qualitative research design with the case study approach. The data was collected by in-depth interviews with 7 key informants and 43 regular informants, 3 groups of Focus Group Discussion (FGD). Determination of research informant with the purposive procedure, consisting of BPJS Mandiri participant, Head of sub district, Head of sub-division of NHI in Muna District Health Office and head of Social Protection and Social Security Department of Muna Regency. The results showed that the perception of the risk of illness and the high cost of health encourage people to register to become independent BPJS participants. Some people have a perception of financial loss when making a contribution payment if not used (not sick) so that they do not pay dues. While some others, perceive the dues payment as a kind of mutual assistance for the sick participants. The experience when getting health care insurance make them thinking about paying or not paying as their contributions, which is made up of a sense of satisfaction or dissatisfaction with the service that they received.