BAB IPENDAHULUANA. Latar BelakangKe

BAB I
PENDAHULUAN

A. Latar Belakang
Kesehatan adalah unsur vital dan merupakan elemen konstitutif dalam proses kehidupan seseorang. Tanpa kesehatan, tidak mungkin bisa berlangsung aktivitas seperti biasa. Dalam kehidupan berbangsa, pembangunan kesehatan sesungguhnya bernilai sangat investatif. Nilai investasinya terletak pada tersedianya sumber daya yang senatiasa “siap pakai” dan tetap terhindar dari serangan berbagai penyakit. Namun, masih banyak orang menyepelekan hal ini. Negara, pada beberapa kasus, juga demikian.
Saat ini, pelayanan kesehatan belum dinikmati secara merata oleh penduduk Indonesia. Ini terjadi karena terdapat beberapa perbedaan seperti jarak geografis, latar belakang pendidikan, keyakinan, status sosial ekonomi, dan kurang cakupan jaminan kesehatan.
Pelayanan kesehatan tidak terlepas pembiayaan kesehatan sebab dizaman seperti ini apa bila kita berobat kerumahsakit atau ke dokter spesialis pasti membutuhkan biaya.
Telah disebutkan bahwa salah satu subsistem kesehatan adalah subsistem pembiayaan kesehatan. Subsistem pembiayaan kesehatan membahas mengenai pembiayaan untuk program kesehatan,yakni program-program yang berhubungan erat dengan penerapan langsung ilmu dan teknologi kedokteran. Pembatasan tentang subsistem pembiayaan kesehatan ini tercakup dalam suatu cabang ilmu khusus yang dikenal dengan nama ekonomi kesehatan ( health economic).
Pembiayaan kesehatan semakin meningkat dari waktu ke waktu dan dirasakan berat baik oleh pemerintah, dunia usaha terlebih-lebih masyarakat pada umumnya. Untuk itu berbagai Negara memilih model sistem pembiayaan kesehatan bagi rakyatnya, yang diberlakukan secara nasional. Berbagai model yang dominan yang implementasinya disesuaikan dengan keadaan di Negara masing-masing.
Perkembangan asuransi kesehatan sosial di berbagai Negara telah mengubah konsep asuransi kesehatan tradisional dimana selanjutnya asuransi kesehatan sosial tidak hanya dianggap sebagai sistem pembiayaan tetapi juga sistem pemeliharaan kesehatan. Karena itu, dalam konsep asuransi kesehatan sosial modern, program asuransi kesehatan mendasarkan kerjanya pada dua hal penting yakni; integrasi sistem pembiayaan (financing of healthcare) dan sistem pelayanan (delivery of healthcare) yang efisien dan efektif.

B. Rumusan Masalah
Berdasarkan latar belakang diatas, maka didapat rumusan masalah yaitu Bagaimana pembiayaan kesehatan melalui asuransi kesehatan sosial.

C. Tujuan
1. Untuk mengetahui pembiayaan kesehatan melalui asuransi kesehatan sosial.
2. Meningkatkan ilmu pengetahuan tentang asuransi kesehatan maupun pembiayaan asuransi kesehatan


BAB II
PEMBAHASAN

A. Pengertian Asuransi Kesehatan
Dari sekian banyak jasa asuransi yang ada, asuransi jiwa kesehatan merupakan salah satu produk asuransi yang juga banyak peminatnya sama seperti asuransi Pendidikan untuk keluarga dan anak ataupun asuransi dana pensiun.Tiap penyedia jasa layanan asuransi pasti mengatakan bahwa asuransi kesehatan produknya adalah yang terbaik dan nomor 1 di Indonesia atau bahkan dunia. tinggal bagaimana kita menyikapi secara cerdas dan teliti mana yang akan kita pilih agar nantinya bermanfaat banyak untuk keluarga pada umumnya dan anak kita.
Sebelum memilih asuransi yang mana yang cocok buat kita alangkah baiknya kita tahu apa sih asuransi kesehatan itu. Asuransi kesehatan adalah suatu sistem pembiayaan kesehatan yang berjalan berdasarkan konsep risiko. Dalam sistem asuransi kesehatan, risiko sakit secara bersama-sama di tanggung oleh peserta dengan membayar premi yang dikelola penanggung (adanya prinsip gotong-royong).
Asuransi kesehatan adalah suatu mekanisme pengalihan resiko (sakit) dari resiko perorangan menjadi resiko kelompok. Dengan cara tersebut, beban ekonomi yang harus dipikul oleh masing-masing peserta asuransi akan lebih ringan tetapi mengandung kepastian karena memperoleh jaminan.
Unsur-unsur asuransi kesehatan :
1. Ada perjanjian.
2. Ada pembelian perlindungan.
3. Ada pembayaran premi oleh masyarakat.
Sacara universal, beberapa jenis asuransi kesehatan yang berkembang di Indonesia :
1. Asuransi Kesehatan Sosial (Social Health Insurance)
Asuransi ini memegang teguh prinsipnya bahwa kesehatan adalah sebuah pelayanan social, pelayanan kesehatan tidak boleh semata-mata diberikan berdasarkan status social mayarakat sehingga semua lapisan berhak untuk memperoleh jaminan pelayanan kesehatan.
Asuransi Kesehatan Sosial dilaksanakan menggunakan prinsip :
a. Keikutsertaan bersifat wajib.
b. Menyertakan tenaga kerja dan keluarganya.
c. Iuran/premi berdasarkan gaji/pendapatan. Untuk Askes menetapkan 2% dari gaji pokok PNS.
d. Premi untuk tenaga kerja ditanggung bersama (50%) oleh pemberi kerja dan tenaga kerja.
e. Premi tidak ditentukan oleh resiko perorangan tetapi didasarkan pada resiko kelompok.
f. Tidak diperlukan pemeriksaan kesehatan awal
g. Jaminan pemeliharaan kesehatan bersifat menyeluruh.
B. Prinsip asuransi kesehatan
Asuransi Kesehatan merupakan sistem pembiayaan kesehatan yang berjalan berdasarkan konsep risiko.Mentransfer risiko dari satu individu ke suatu kelompok.Membagi bersama jumlah kerugian dengan proporsi yang adil oleh seluruh anggota kelompok melalui penanggung.
Unsur – unsur asuransi kesehatan
1. Tertanggung (Pasien).
2. Penanggung (Perusahaan Asuransi)
3. Pemberi Pelayanan Kesehatan (PPK).
C. Pembiayaan Kesehatan Melalui Asuransi Kesehatan Sosial
Pembiayaan kesehatan adalah suatu sistem yang mengatur tentang besarnya dan alokasi dana yang harus disediakan untuk menyelenggarakan dan atau memanfaatkan berbagai upaya kesehatan yang diperlukan oleh perorangan, keluarga, kelompok dan masyarakat.
Beberapa model yang dominan adalah:
a. Model asuransi kesehatan sosial (Social Health Insurance). Model ini dirintis sejak Jerman dibawah Bismarck pada tahun 1882. Model inilah yang berkembang di beberapa Negara Eropa, Jepang (sejak 1922) dan kemudian ke Negara-negara Asia lainnya yakni Philipina, Korea, Taiwan dll. Kelebihan sistem ini memungkinkan cakupan 100% penduduk dan relatif rendahnya peningkatan biaya pelayanan kesehatan.
b. Model asuransi kesehatan komersial (Commercial/Private Health Insurance). Model ini berkembang di AS. Namun sistem ini gagal mencapai cakupan 100% penduduk. Sekitar 38% penduduk tidak tercakup dalam sistem. Selain itu terjadi peningkatan biaya yang amat besar karena terbukanya peluang moral hazard. Sejak tahun 1993; oleh Bank Dunia direkomendasikan pengembangan model Regulated Health Insurance dimana kepesertaan berdasarkan kelompok dengan syarat jumlah minimal tertentu sehingga mengurangi peluang moral hazard
c. Model NHS (National Health Services) yang dirintis pemerintah Inggris sejak usai perang dunia kedua. Model ini juga membuka peluang cakupan 100% penduduk. Namun pembiayaan kesehatan yang dijamin melalui anggaran pemerintah akan menjadi beban yang berat.
Diantara berbagai model itu, asuransi kesehatan sosial menjadi pilihan di banyak Negara. Penggunaan istilah asuransi dalam program ini adalah karena adanya aspek pengalihan resiko (ekonomi) karena sakit dan syarat hukum the law of the large number. Kecenderungan (universal) dari implementasi asuransi kesehatan sosial adalah:
1. Bahwa program asuransi kesehatan sosial dimulai dari kelompok formal, tenaga kerja, untuk kemudian berkembang pada kelompok non-formal dan self employed. Program bagi masyarakat miskin seringkali dikembangkan menjadi bagian dari kelompok non formal, atau dikembangkan secara tersendiri bergantung kepada kebijakan negara. Program asuransi kesehatan sosial di berbagai negara menunjukkan terjadinya peningkatan akses seluruh penduduk ke fasilitas kesehatan serta terjadinya pengendalian biaya.
2. Di berbagai negara, program ini dimulai dengan beberapa badan penyelenggara akan tetapi jumlah tersebut semakin menurun. Dimulai dengan kerjasama/koordinasi diantara berbagai badan penyelenggara, selanjutnya terjadi merger sehingga akhirnya menjadi satu badan penyelenggara yang menyelenggarakan program secara nasional (contoh; Taiwan, Korea Selatan). Dengan demikian bargaining power badan penyelengara semakin besar, sementara hukum the law of the large number juga semakin besar.
Perkembangan asuransi kesehatan sosial di berbagai Negara telah mengubah konsep asuransi kesehatan tradisional dimana selanjutnya asuransi kesehatan sosial tidak hanya dianggap sebagai sistem pembiayaan tetapi juga sistem pemeliharaan kesehatan. Karena itu, dalam konsep asuransi kesehatan sosial modern, program asuransi kesehatan mendasarkan kerjanya pada dua hal penting yakni; integrasi sistem pembiayaan (financing of healthcare) dan sistem pelayanan (delivery of healthcare) yang efisien dan efektif.
Konsep asuransi dalam pembiayaan kesehatan telah berkembang melalui berbagai pendekatan yakni sosial (social health insurance) dan komersial (commercial health insurance). Dantara keduanya berkembang regulated Health Insurance yang dalam laporan Bank Dunia ( 1993) disarankan untuk dilaksanakan sebagai pengganti prinsip Commercial/ Private Helath Insurance
Di Indonesia pengembangan asuransi kesehatan sosial (Jaminan Kesehatan/JK) diatur dalam UU No 40 tahun 2004 tentang Sistem Jaminan Sosial (SJSN) yang merupakan salah satu program bersama program Jaminan Kecelakaan Kerja (JKK), Jaminan Hari Tua (JHT), Jaminan Kematian (JKM) dan Jaminan Pensiun (JP). Program JK diselenggarakan secara nasional, berdasar prinsip asuransi sosial dan ekuitas. Tujuannya adalah untuk memberikan manfaat pemeliharaan kesehatran dan perlindungan dalam memenuhi kebutuhan dasar kesehatan.
Prinsip asuransi sosial program JK dalam SJSN meliputi kepesertaan yang bersifat wajib dan non diskriminatif bagi kelompok formal, iuran berdasar persentase pendapatan menjadi beban bersama antara pemberi dan penerima kerja sampai batas tertentu, sehingga ada kegotong-royongan antara yang kaya-miskin, resiko sakit tinggi-rendah, tua-muda dengan manfaat pelayanan medik yang sama (prinsip ekuitas), dan pelayanan dapat diakses secara nasional (portabilitas),

Hasil (Inggris) 1:

CHAPTER IINTRODUCTIONA. BackgroundHealth is a vital element of constitutive elements and is in the process of a person's life. Without health, could not possibly take place as normal activity. In the life of a nation, indeed very valuable health development investatif. The value of its investments lies in the availability of resources which is borne "ready-made" and still spared from the attacks of various diseases. However, there is still a lot of people underestimate this. The State, in some cases, also the case.Currently, the health services have not enjoyed equally by the people of Indonesia. This happens because there are some differences such as geographical distance, educational background, beliefs, socioeconomic status, and less coverage of health coverage.The Ministry of health is inseparable health financing: for dizaman like this what if we treat kerumahsakit or to a specialist would certainly cost money.It has been mentioned that one of the health subsystems is subsystem health financing. Subsystem health financing deals with funding for health programs, i.e., programs that are closely connected with the direct application of medical science and technology. Restrictions on health financing subsystem is covered in a special branch of science known as health economics (health economic).Health financing has increased over time and felt the weight of both by the Government, the corporate world terlebih-lebih society in General. For that, many countries chose the health financing system model for his people, which goes into effect nationally. Various models of the dominant implementation, adapted to the circumstances in each country.The development of the social health insurance in many countries has changed the concept of traditional health insurance where the next social health insurance is not only considered a financing system but also the health care system. Therefore, in the modern concept of social health insurance, health insurance programs base their work on two important things namely; the integration of the system of financing (financing of healthcare) and system services (delivery of healthcare) an efficient and effective manner.B. Formulation Of The ProblemBased on the above background, then obtained the outline of how the problem of financing health care through social health insurance.C. Objectives1. To know the health financing through social health insurance.2. increase knowledge about health insurance or health insurance financingCHAPTER IIDISCUSSIONA. Understanding Health InsuranceOf the many existing insurance services, life insurance health insurance products is one of the many devotees are also the same as insurance education to families and children or the pension fund insurance. Each insurance provider certainly says that the health insurance products are the best and number 1 in the world or even Indonesia. live how we addressing intelligently and carefully which one will we choose so that later the beneficial lot for the family in General and our children.Before choosing a suitable insurance where it will be good for us, we know what the heck it was health insurance. Health insurance is a system of health financing that run based on the concept of risk. In the system of health insurance, the risk of pain simultaneously in paced by participants by paying the premiums the insurer-run (the existence of the principle royong).Health insurance is a mechanism of the transfer of risk (ill) of individual risk into risk groups. In this manner, the economic burden that should be borne by each of the participants of the insurance will be lighter but contain a certainty because of the guarantee.Elements of health insurance:1. There is agreement.2. There is a purchase protection.3. There is a premium payment by the community.Sacara universal, some type of health insurance that developed in Indonesia:1. Social health insurance (Social Health Insurance)This insurance is holding fast to the principle that health is a social service, health care must not be solely awarded based on the status of social mayarakat so all layers are entitled to obtain a guarantee of health services.Social health insurance is implemented using the principle:a. Participation are mandatory.b. Include labor and his family.c. Dues/premiums based on salaries/income. For Askes set 2% of base salary of CIVIL SERVANTS.d. premium for labor is borne together (50%) by an employer and labor.e. risk Premium is not determined by an individual but is based on the risk groups.f. initial medical examination is not requiredg. Guarantee health maintenance are thorough.B. the principle of health insuranceHealth insurance is a health financing system that runs based on the concept of risk. Transferring risk from one individual to a group. Divide the amount of losses shared with a fair proportion by all members of the group through the insurer.Elements – elements of health insurance1. The insured (patients).2. The insurer (insurance company)3. Health Care Givers (PPK).C. Health Financing Through Social Health InsuranceHealth care financing is a system which set about the magnitude and the allocation of funds should be provided to organize and utilize a variety of wellness efforts or as needed by individuals, families, groups and communities.Some of the dominant model is:a. Model of social health insurance (Social Health Insurance). This model was pioneered since Germany under Bismarck in 1882. It is this model that develops in some European countries, Japan (since 1922) and then on to other Asian countries namely the Philippines, Korea, Taiwan etc. The advantages of this system allows coverage of 100% of the population and the relatively low increase in the cost of health care.b. commercial health insurance Model (Commercial/Private Health Insurance). This model was developed in the us. But the system failed to reach 100% coverage of the population. About 38% of the population is not covered in the system. In addition an increase in cost is huge due to the unfolding opportunities moral hazard. Since 1993; by the World Bank recommended the development of a model of Regulated Health Insurance where membership based group with a certain minimum number of terms thus reducing chances of moral hazardc. Model NHS (National Health Services) since the United Kingdom Government established after the second world war. This model also opens opportunities 100% coverage of the population. However the health financing is guaranteed through the Government budget will be a heavy burden.Among the various models that, social health insurance an option in many countries. The use of the term insurance under this program is because of the aspects of the transfer of risk (economic) due to illness and the terms of the law of the law of large numbers. Trend (universal) of the implementation of the social health insurance are:1. That the social health insurance programs starts from formal groups, labor, and then developed in the Group of non-formal and the self-employed. Programs for the poor are often developed into part of a group of non formal, or developed individually depending on the policies of the State. Social health insurance programmes in various countries indicates the occurrence of increased access to the entire population of health facilities as well as the occurrence of cost control.2. In many countries, this program starts with some governing body but the numbers are declining. Starting with the cooperation/coordination among the various governing body, next the merger so it ends up being a governing body which organizes the program nationally (example; Taiwan, South Korea). Thus the bargaining power of the Agency penyelengara the greater the law, while the law of the large numbers are also getting bigger.The development of the social health insurance in many countries has changed the concept of traditional health insurance where the next social health insurance is not only considered a financing system but also the health care system. Therefore, in the modern concept of social health insurance, health insurance programs base their work on two important things namely; the integration of the system of financing (financing of healthcare) and system services (delivery of healthcare) an efficient and effective manner.Konsep asuransi dalam pembiayaan kesehatan telah berkembang melalui berbagai pendekatan yakni sosial (social health insurance) dan komersial (commercial health insurance). Dantara keduanya berkembang regulated Health Insurance yang dalam laporan Bank Dunia ( 1993) disarankan untuk dilaksanakan sebagai pengganti prinsip Commercial/ Private Helath InsuranceDi Indonesia pengembangan asuransi kesehatan sosial (Jaminan Kesehatan/JK) diatur dalam UU No 40 tahun 2004 tentang Sistem Jaminan Sosial (SJSN) yang merupakan salah satu program bersama program Jaminan Kecelakaan Kerja (JKK), Jaminan Hari Tua (JHT), Jaminan Kematian (JKM) dan Jaminan Pensiun (JP). Program JK diselenggarakan secara nasional, berdasar prinsip asuransi sosial dan ekuitas. Tujuannya adalah untuk memberikan manfaat pemeliharaan kesehatran dan perlindungan dalam memenuhi kebutuhan dasar kesehatan.Prinsip asuransi sosial program JK dalam SJSN meliputi kepesertaan yang bersifat wajib dan non diskriminatif bagi kelompok formal, iuran berdasar persentase pendapatan menjadi beban bersama antara pemberi dan penerima kerja sampai batas tertentu, sehingga ada kegotong-royongan antara yang kaya-miskin, resiko sakit tinggi-rendah, tua-muda dengan manfaat pelayanan medik yang sama (prinsip ekuitas), dan pelayanan dapat diakses secara nasional (portabilitas),

Hasil (Inggris) 2:

CHAPTER I
INTRODUCTION A. Background Health is a vital element and a constitutive element in the process of a person's life. Without health, could not take place as usual activities. In national life, health development actually worth very investatif. The investment value lies in the availability of resources are borne in "ready-made" and still avoid the attack of various diseases. However, there are still many people underestimate it. State, in some cases, too. Today, the health service has not enjoyed equally by the Indonesian population. This happens because there are some differences such as geographical distance, educational background, beliefs, socioeconomic status, and lack of health insurance coverage. Health care is inseparable health funding because dizaman like what if we treated kerumahsakit or to a specialist certainly cost money. It has been mentioned that one of the health subsystem is a subsystem of health financing. Health financing subsystems discuss the financing for health programs, ie programs that are closely related to the direct application of science and medical technology. Restrictions on health financing subsystem is covered in a special branch of science known as health economy (health economic). Financing healthcare is increasing from time to time and felt the weight either by the government, the business world all the more society in general. For the various countries choose health financing system models for their people, who applied nationally. Various models of the dominant implementation tailored to the circumstances in each country. The development of social health insurance in many countries have changed the concept of traditional health insurance where the next social health insurance is not only considered as a financing system but also the health care system. Therefore, the modern concept of social health insurance, the health insurance program basing its work on two important issues namely; system integration financing (financing of healthcare) and system services (delivery of healthcare) were efficient and effective. B. Problem Formulation Based on the above, the importance of the formulation of the problem, namely How health financing through social health insurance. C. Goal 1. To determine health financing through social health insurance. 2. Increase knowledge on health insurance and health insurance financing CHAPTER II DISCUSSION A. Understanding Health Insurance Among the many services of existing insurance, life insurance is one of the health insurance products are also much demand as insurance for the family and child education insurance fund or insurance services provider pensiun.Tiap definitely say that health insurance products are the best and number 1 in Indonesia or even the world. live how we respond intelligently and carefully which one would we choose that will benefit a lot for the family in general and our children. Before choosing an insurance which is suitable for us would be helpful to know what the heck it is health insurance. Health insurance is a health financing system that runs on the concept of risk. In the health insurance system, the risk of illness is jointly paid by the participants to pay a premium managed insurer (the principle of mutual assistance). Health insurance is a risk transfer mechanism (sick) of an individual risk into risk groups. In this way, the economic burden to be borne by each insurance participants will be lighter but contains certainty as to obtain the guarantee. The elements of health insurance: 1. There is agreement. 2. No purchase protection. 3. There is a premium payment by the public. Is lacking universal, some type of health insurance that is growing in Indonesia: 1. Social Health Insurance (Social Health Insurance) Insurance holding fast to the principle that health is a social service, health care should not be solely supplied by social status society so that all layers are entitled to obtain health insurance. Social Health Insurance implemented using the following principles: a , Participation is mandatory. B. Include workers and their families. C. Dues / premiums based on salary / income. Askes set for 2% of the basic salary of civil servants. D. Premiums for workers equally shared (50%) by employers and workers. E. Premiums are not determined by individual risk but based on risk groups. F. No medical examination required initial g. A comprehensive health care benefits. B. The principle of health insurance Health Insurance is a health financing system based on the concept risiko.Mentransfer running the risk of an individual to a collective kelompok.Membagi amount of loss with a fair proportion by all the group members through the party. Elements - elements of health insurance 1. Insured (Patient). 2. Insurers (Insurance Company) 3. Health Services providers (PPK). C. Through the Health Care Financing Health Insurance Social Health financing is a system that regulates the amount and allocation of funds should be provided to organize and or take advantage of various health measures required by individuals, families, groups and communities. Some of the dominant model is: a. Models of social health insurance (Social Health Insurance). This model pioneered since Germany under Bismarck in 1882. This model developed in some European countries, Japan (since 1922) and then to the other Asian countries namely the Philippines, Korea, Taiwan etc. The advantages of this system enables 100% coverage of the population and the relatively slow growth in health care costs. B. Commercial health insurance model (Commercial / Private Health Insurance). This model was developed in the US. However, these systems fail to achieve 100% coverage of the population. Approximately 38% of the population not covered by the system. In addition there is huge increase in costs due to the opening of opportunities moral hazard. Since 1993; World Bank recommended the development of a model Regulated Health Insurance in which participation by the group on the condition that a certain minimum amount, thereby reducing the chance of moral hazard c. Model NHS (National Health Services) who pioneered the British government since after the second world war. This model also opens up the opportunity of 100% population coverage. Yet health financing secured through the government budget will be a heavy burden. Among the various models of the social health insurance an option in many countries. The use of the term insurance in this program is because of the aspects of the transfer of risk (economic) due to illness and legal requirements of the law of the large number. The tendency of (universal) on the implementation of social health insurance are: 1. Social health insurance program that starts from formal groups, labor, and then developed in non-formal groups and self employed. Programs for the poor are often developed as part of a group of non-formal, or developed individually depending on the state policy. Social health insurance programs in many countries show an increase in the entire population access to health facilities and the cost control. 2. In many countries, the program began with some organizing body but that number has declined. Starting with the cooperation / coordination among the various organizing bodies, then a merger that eventually became an organizing body that organizes a national program (example: Taiwan, South Korea). Thus the bargaining power body of the organizers of the bigger, while the law the law of the large number are also getting bigger. The development of social health insurance in many countries have changed the concept of traditional health insurance where the next social health insurance is not only considered the funding system but also the health care system , Therefore, the modern concept of social health insurance, the health insurance program basing its work on two important issues namely; system integration financing (financing of healthcare) and system services (delivery of healthcare) were efficient and effective. The concept of insurance in health financing has evolved through various approaches that social (social health insurance) and commercial (commercial health insurance). Dantara both developing regulated Health Insurance that in a World Bank report (1993) is recommended to be implemented as a substitute for the principle of Commercial / Private Helath Insurance In Indonesia the development of social health insurance (Health Insurance / JK) ​​stipulated in Law No. 40 of 2004 of the Social Security System (Navigation ) which is a joint program Accident Insurance program (JKK), Old Age Security (JHT), Death Benefit (JKM) and the Retirement Security (JP). JK programs organized nationally, based on the principle of social insurance and equity. The aim is to provide the benefits of maintenance kesehatran and protection to meet basic health needs. The principle of social insurance programs JK in SJSN include participation mandatory and non-discriminatory for a formal group, dues based on the percentage of revenues to load shared between the giver and the recipient of the work to a certain extent, so there cooperativeness between rich and poor, high-low risk sick, young and old with the same benefits of medical services (principle of equity), and the service can be accessed nationally (portability),