Background

Health insurance is believed can improve the healthcare utilization and prevent the out-of-pocket healthcare expenditures (Spaan et al., 2012). In Indonesia, the universal health coverage was introduced in 2014 and known as Jaminan Kesehatan Nasional (JKN) (Nurmansyah and Kilic, 2017). Since the implementation of JKN, primary healthcare services had important roles as gate-keeper to provide the first-contact service, continuous service, and also comprehensive service which involve curative, promotive, and preventive programs (Nurmansyah and Kilic, 2017).

Objectives

This paper aims to identify the factors that associated with the decision amongst private company’s employees in using private medical insurance.

Methods

In this study, the researcher utilized a qualitative method by doing in-depth interview. The samples were chosen by using simple random sampling approach. There were 13 respondents in this study which include 10 respondents who work in a private company and 3 other respondents are employees in insurance sector.

Results

Based on the interview findings in this study, the researcher found that there are some factors which associated with the decision amongst the private company’s employees to utilize private medical insurance, such as job, marital status, age, education level, the benefits offered by private medical insurance and income.

Conclusion

There are some other factors that might be related to the decision amongst employees to choose private medical insurance, such as the medicines offered and certain illness coverage.

Keywords: employee, public insurance, private medical insurance, associated factors, interview