The Barrier to Access Health Insurance for Maternity Care: Case Study of Female Workers in Indonesia
Keywords:Female worker, health insurance, maternity care, maternal health.
Female workers are one of the vulnerable groups during childbirth. The study is aimed at analyzing the
barrier to access health insurance for maternity care among female workers in Indonesia. The samples
employed were female worker in childbearing age who had given birth in the last 5 years. The sample size
was 18,061 female workers. The variables analyzed included health insurance, healthcare childbirth, type of
place of residence, age, education, employment, marital, parity, wealth, know the danger signs of pregnancy,
and antenatal care. Determination of determinant by the binary logistic regression. The research results show
that female workers who perform maternity care in non-healthcare facilities have 1,142 times the possibility
of having health insurance than female workers who perform maternity care in healthcare facilities. It was
found that the younger you are, the more likely you are not to have health insurance. Meanwhile, the lower
the education and the poorer the female worker, the higher the possibility of not having health insurance.
Married female workers have 0.531 times the chance of having health insurance compared to divorced/
widowed female workers. Finally, a female worker that doesn’t know the danger signs of pregnancy has
1,076 times the chance of having health insurance than the richest female worker that knows the danger
signs of pregnancy. It was concluded that 7 barriers to access health insurance among female workers in
Indonesia, namely doing maternity care in non-healthcare facilities, younger age, poor education, single
(never in union/divorced/widowed), poor, and don’t know the danger signs of pregnancy
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