Protecting the Community: Improving Knowledge, Attitude, and Behaviour towards Health Insurance

Indonesia has implemented the National Health Insurance (Jaminan Kesehatan Nasional/JKN) program administered by the BPJS Kesehatan (Health Care and Social Security Agency) to improve the quality of community health and well-being. In eight years, JKN implementation has had many challenges; complicated registration, premium, unsatisfactory service, and the lack of community participation. Policies regarding JKN should be known and understood. This study aimed to know the knowledge, attitudes, and behaviour towards health insurance that will be useful for stakeholders to develop public policies. This study was conducted in Umbulsari B sub-village in Sumberharjo, Prambanan, Yogyakarta, the lowest area of JKN participation based on Sleman HDSS data. We used a cross-sectional design study among 91 respondents who filled out a paper sheet questionnaire that consisted of five sections; demographic characteristics and insurance participation, knowledge, attitudes, actions, and satisfaction with the JKN program. Then, the community service activities; coordination with local stakeholders; JKN participation identification using CHIKA; educational media production and publication. Local stakeholders said that awareness about JKN is low. CHIKA data identification from 529 ID shows that 78.1% had become JKN participants, and 73.3% were "active". The respondents answered most of each knowledge point correctly (score >90%). But there are several things that respondents disagree with: "every participant will get the same health services (19.78%) in attitude point, and health workers in health facilities do not discriminate (21.21%) in satisfaction point. Then 21.21% of respondents rarely use health services routinely for medical check-ups. We developed educational media about the importance of JKN, as well as using CHIKA and Pandawa tutorials. Education about health insurance needs to be carried out continuously according to the local cultural context and innovations so that the community remains protected from the financial burden of accessing health services.