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SUMMARY
According to United Nation Development Program (UNDP), health
degree is one of the key factor to measure Human Development Index (HDI), the
others are education and the economic ability of the society. Therefore, health
must be protected and belongs to the people which become the fundamental right
of the society, so the Health Care Managed is obligatory for each citizen.
Financing is one of the strategical elements of development and health
service. The success of health financing is highly dependable on the amount of
cost and efficient use. Health financing in Indonesia is comes from the
government and the society, consisting of 70 % from the society and 30 % from
the government. One the government attempts to encourage mobilization of funds
originated from the society is through Community Health Care Insurance (CHCI).
CHCI means perfect health care implementation based on the principle
of continuously joint efforts and togetherness with a guaranteed quality as well as
pre-expendiently financing implementation. The regulation of the ministery of
health concerning the CHCI, stated that in implementing CHCI there should be an
operational permit from the Minister of Health, and in obtaining such operational
permit a feasibility study with a feasible result should be performed.
Apparently, The CHCI program has not yet been implemented in North
Minahasa Regency and no Executive Board has received an operational permit
from the Minister of Health due to feasibility study has not been carried out yet.
The initial result of the CHCI study in North Minahasa Regency indicates that
from the population in the year 2005 ( 161.805 persons) there are only 16,28 %
are covered by health insurance, 9,42% are the needy. Which means that there are
still 83,72 % of the population is a potential market for the CHCI.
This study was a cross sectional study and the data were analyzed in two
phases: First, through introductory and secondary data analysis by obtaining the
average data of health service visitors per month at 10 Puskesmas and 1 private
hospital, in North Minahasa Regency order to calculate the amount of
contribution. Second, indepht analysis through primary data analysis to 350
respondents as research sample of 2 districts and 4 villages in North Minahasa
Regency in order to calculate the amount of Willingness To Pay (WTP), Ability
To Pay (ATP) and the amount of Contribution per capita per month.
The feasibility analysis of the CHCI study was based on the
determination factors in North Minahasa Regency North Sulawesi Province
produced out comes such as Rp 5578,6 percapita per month for the third class
services was the government health care, whereas for the private hospital third
class Rp 27.147. The amount of WTP is Rp 21.871, and the ATP for the health
service was Rp 5830. There were 69,7 % of North Minahasa society willing and
able to pay.
According to the study results, which the amount of Contribution
percapita per month was less than the WTP and ATP, it can be concluded that
community health care insurance is feasible to be developed based on the WTP,
the ATP and the amount of contribution percapita per month.
To execute the CHCI program, attention of the regional government and
simple socialization also attractive to the society is needed, so that they will be
motivated to become participants. Should the program be carried out it is
suggested that the private sector will be the executive board and the government
be the supervising board.