Impact Of Health Insurance On the Utilization Of Health Services In a Public Health Perspective: A Theoretical Study

Abstract

Health is a basic human need, so it requires high awareness so that people maintain their health. One way to protect yourself and your family from the financial risks arising from health care costs is by having health insurance. The impact of this insurance provides protection against possible future losses and invests part of the funds collected from policyholders. Health insurance is important not only for reducing the financial burden of health services but also for ensuring that individuals have access to timely and quality medical care. The purpose of this theoretical study is to determine the impact of health insurance on the utilization of health services from a public health perspective. The method used is a theoretical study, which analyzes existing theories and previous research to understand the effects of health insurance. This approach is intended to draw conclusions regarding how insurance affects public health and health service usage. The results of this theoretical study indicate that, from a public health perspective, health insurance has a positive impact in various ways. It helps reduce the risk of disease, minimizes the economic burden when individuals fall ill, reduces financial risks, provides peace of mind, and facilitates access to quality medical services. Furthermore, insurance contributes to preventive care and early treatment. Accessibility to health services is identified as a crucial factor in enhancing the positive impact of insurance on the welfare and health of the community in Indonesia.