The organizing of health insurance by private insurance companies marketed by life insurance companies and the insurance company. Since the 1970s, before BPJS operates, the external insurance party has given assurance of health with various health insurance products through multinational insurance company that has offices or business units in Indonesia (Thabrani, 2014). This program is mandatory for the entire population of Indonesia who have to pay periodic charges or whose contributions paid by the Government directly to the Indonesia’s Social Security Organizing Body (BPJS) Health (Thabrani 2012). JKN is a social insurance program that guarantees health care costs and fulfill the basic needs of health costs which held nationally and with subsidy payment method. Indonesia’s Health Social Security Manajemen Agency (BPJS) is the body that organizes the National Health Insurance program (JKN) with the purpose providing assurance of health for all Indonesian people so that they will be able to live healthy.
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