Abstract
The need for healthcare services due to illness is unpredictable, thus burdening patients economically and posing a risk of catastrophic events. The percentage of households with catastrophic health expenditures is defined as out-of-pocket payments exceeding 10% of the household’s capacity to pay for healthcare. Increasing catastrophic expenditure costs can further deteriorate the household’s financial condition. This study analyzes the determinants of catastrophic health expenditures in Indonesian households. A total of 12,892 household samples from the cross-sectional Indonesian Family Life Survey (IFLS) wave 5 (2014) were used in this study. Using a logistic regression model, this study aims to identify various socioeconomic factors and household members’ health histories that may influence the probability of a household experiencing catastrophic health expenditures. The study results show that socioeconomic factors, including household expenditures (p<0.01), the number of working household members (p<0.01), the number of insured household members (p<0.01), residential area (p<0.1), and the education level of the household head (p<0.01), have a significant influence on catastrophic expenditures. Catastrophic health expenditures are also significantly affected by the health history of household members, including chronic diseases (p<0.01), hospitalization history (p<0.01), and outpatient care (p<0.01). To reduce financial risks, policymakers can design a fair healthcare financing mechanism that addresses socioeconomic vulnerabilities and health risks. Expanding insurance coverage and strengthening financial protection for at-risk households can help alleviate the burden of catastrophic health expenditures.
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Bahasa Abstract
Kebutuhan akan layanan kesehatan akibat penyakit tidak dapat diprediksi sehingga membebani pasien secara ekonomi dan berisiko mengalami kejadian katastropik. Persentase rumah tangga dengan pengeluaran kesehatan katastropik didefinisikan sebagai pembayaran out-of-pocket lebih besar dari 10% dari kapasitas untuk membayar perawatan kesehatan. Biaya pengeluaran katastropik yang semakin tinggi dapat memperburuk kondisi finansial rumah tangga. Penelitian ini berfokus pada analisis determinan pengeluaran kesehatan katastropik di rumah tangga Indonesia. Sebanyak 12.892 sampel rumah tangga dari data cross-sectional Indonesian Family Life Survey (IFLS) gelombang 5 (2014) dipakai pada penelitian ini. Melalui penggunaan model regresi logistik, penelitian ini bertujuan untuk mengidentifikasi beberapa faktor sosial ekonomi dan riwayat kesehatan anggota rumah tangga yang bisa memengaruhi probabilitas rumah tangga yang mengalami pengeluaran kesehatan katastropik. Hasil penelitian menunjukkan bahwa faktor sosio-ekonomi termasuk pengeluaran rumah tangga (p<0,01), jumlah anggota rumah tangga yang bekerja (p<0,01), jumlah anggota rumah tangga yang memiliki asuransi (p<0,01), wilayah tempat tinggal (p<0,1), dan tingkat pendidikan kepala rumah tangga (p<0,01) memiliki pengaruh yang signifikan terhadap pengeluaran katastropik. Pengeluaran kesehatan katastropik juga dipengaruhi secara signifikan oleh riwayat kesehatan anggota rumah tangga, termasuk penyakit kronis (p<0,01), riwayat rawat inap (p<0,01), dan rawat jalan (p<0,01). Untuk mengurangi risiko finansial, pembuat kebijakan dapat merancang mekanisme pembiayaan kesehatan yang adil dan dapat mengatasi kerentanan sosial-ekonomi dan risiko kesehatan. Memperluas cakupan asuransi dan memperkuat perlindungan keuangan bagi rumah tangga yang berisiko dapat membantu mengurangi beban pengeluaran kesehatan yang bersifat katastropik.
Recommended Citation
Afrizal, Rafa Fayza; Hasya, Novira; Harda, Faticha Putri; Alfathin, Wildan Avif; Latifah, Vanissa Nur; Nainggolan, Maxent Rael; Jaelani, Fadillah Rahmah; and Sihaloho, Estro Dariatno
(2025)
"Determinants of Catastrophic Health Expenditure of Households in Indonesia,"
Jurnal Ekonomi Kesehatan Indonesia: Vol. 10:
No.
1, Article 3.
DOI: 10.7454/eki.v10i1.1136
Available at:
https://scholarhub.ui.ac.id/eki/vol10/iss1/3
