Sustainable Health Insurance Participation in Indonesia: Learning from Southeast Asia Countries

Sustainable health insurance participation in Indonesia is still far from expectations, considering the lack of massive participation, the amount of financial assistance for non-paying participants, and conflicts that occur related to social security. The purpose of this study is to identify and analyse health insurance regulations in Southeast Asia countries, as an effort to formulate sustainable health insurance membership provisions in Indonesia. The method used is a statutory approach and a comparative approach. The results show that in principle, the regulation of health insurance membership in Indonesia is not much different from Southeast countries such as Malaysia, Singapore, Vietnam and Thailand. However, Indonesia needs to adopt some aspects of health insurance regulations in these countries such as adopting child allowances for the poor to support the growth and development of newborn children up to toddler age, as in Thailand and Indonesia. Furthermore, Indonesia needs to increase employer contributions to ensure sustainability, as has been done in Vietnam. Finally, it needs to implement dispute resolution processes through mediation, as has been done in Vietnam, and integrate technology into the judicial system to speed up litigation processes and reduce costs, as has been done in Singapore.