Introduction Everyone has the rights for social security, nevertheless, there is still a big gap of insurance coverage among Indonesian workers. This study aims to examine the extent of employer-provided insurance coverage among Indonesian workers and analyse the characteristics of the uninsured working population. Methods We performed a secondary analysis of a nationally representative cross-sectional data from the National Labour Force Survey (NLFS) between 2018-2022. The primary dependent variable was the employer-provided health-related insurance (EPHI). The independent variables included having physical difficulties, number of working hours, duration of employment, union membership status, earning above the minimum wage, having written contract, and working in high risk jobs. Logistic regression analysis was employed using R statistical software. Results The findings indicate that the percentage of Indonesian workers with EPHI ranged from 36.1% to 38.4% between 2018 to 2022. Having a written contract was the most important factor contributing to the EPHI, followed by earning more than minimum wage, and being a member of the labour union.Workers with longer employment contracts (> 5 years) and working more than 40 hours per week were more likely to be insured. Meanwhile, workers who had physical difficulties or are employed in high-risk jobs were less likely to be insured. Discussion and Conclusion We conclude that enforcement of Labor Law is necessary by making written contract as mandatory requirement, prioritizing workers in high risk jobs to be included in the social security scheme, encouraging regular inspection of social security activity, and setting up social dialogue platform that could facilitate the voice of workers in non-standard jobs.
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Khoe et al. (2024) studied this question.
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