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Customers who enter into insurance agreements online receive legal protection based on Law no. 40 of 2014, Consumer Protection Law, Civil Code, KUHD, and Law no. 11 of 2008 concerning Information and Electronic Transactions. Thus, an online insurance policy is recognized as a legally valid electronic document, both in digital and printed form. OJK is responsible for insurance supervision, both online and offline, with a focus on aspects of governance, business ethics and financial health. This supervision includes analysis of reports, examinations and investigations, which are part of the OJK's duties in regulating and supervising the financial services sector in Indonesia.  

BPJS Health is a legal entity formed to administer the health insurance program with the aim of protecting the entire community with affordable premiums and providing wider service coverage for the entire community. BPJS health services focus on first level health services (FKTP/first level health facilities). Due to the sensitive nature of health information stored and managed by BPJS Health, it is important to ensure that the information systems used are safe from cyber attacks and data leaks. The stages of a BPJS Health service audit are determining audit objectives, identifying services using the framework, capability level analysis, testing controls and evidence at the capability level, verifying results, and compiling audit results reports and recommendations. Audits carried out for services that focus on Process Domains DSS01 and DSS02. The measurement result is 2.5 because the value rounding index means the results are at level 3 (established process), that is, currently the processes in each process domain have been identified and standardized well so that the library service system is stable for implementation, while the expected level is at level 4 so there is a gap of 1.5. To be able to overcome the existing gap, a recommendation was made, namely to maximize the alignment of Company Operational Standards (SOP) with applicable policies.

This research is motivated by several problems that: There are several things that have been identified in relation to the implementation of the national health insurance policy on public health services, such as: In supporting the success of health services and reducing health costs for the community, the government in collaboration with PT. Health Insurance holds a Community Health Insurance (Jamkesmas) program. Social Health Insurance services include first-level outpatient care, advanced outpatient care, inpatient care, drug services, childbirth, advanced diagnostic support services, medical equipment and supplement services, operative and non-operative medical procedures, medical rehabilitation services, intensive care Intensive Care Unit (ICU), hemodialysis (dialysis), and emergency services. The method used is a qualitative descriptive method. The results of the study show that: Based on the results of the analysis, it is known that in the service process, both the Jamkesmas pattern and the JKN pattern, are carried out in accordance with the service procedures, namely: self-esteem, meeting expectations (exceed expectations), improvement and rediscovery, forward-looking (vision), continuous improvement (improving), full attention (care, empathy), finally always holding empowerment (empowerment). The obstacles faced by employees in implementing the Jamkesmas and JKN patterns in public health services in Pangandaran Regency are: (1) access to health center services is still limited to certain diseases; (2) the availability of expert personnel is still minimal, (3) the availability of nurses is still limited; (4) the availability of other professional personnel such as pharmacists is still lacking; (5) inpatient facilities are still lacking and so on, which results in less than optimal service. Efforts made by employees in overcoming obstacles when implementing the Jamkesmas and JKN patterns in public health services in Pangandaran Regency are (1) improving access to health center services; (2) adding expert personnel, (3) adding nurses; (4) adding professional personnel; (5) improving inpatient facilities.

This study emphasizes the functions of the Indonesian Deposit Insurance Corporation (Lembaga Penjamin Simpanan, LPS) in savings and loan cooperatives (KSP), such as managing funds and managing risks. KSPs play an important role in the micro economy, especially in providing financial access to people who are not served by banks and other formal financial institutions.  This research employs a qualitative methodology and uses a literature review approach. A qualitative approach was chosen as it allows for a more in-depth understanding of the complex issues of risk management, fund management, and deposit insurance functions in savings and loan cooperatives in Indonesia. To ensure the viability and health of this sector that aims to make a significant contribution to financial inclusion and inclusive economic growth, the government, financial institutions, and cooperatives must work together. To advance the savings and loan cooperative sector in Indonesia, strategic measures should be taken, such as improving risk management and supporting IDICs. Ultimately, this will support the stability of the national financial system and the economic well-being of people in Indonesia.

Employee performance is not optimal, this can be seen from the level of punctuality which gets the lowest score. Based on the results of an interview with the head of the civil service section at Pandega Pangandaran Regional Hospital, punctuality has decreased because there are still employees coming and going home not according to the specified schedule. The level of quality (quality) is not yet optimal, this is because employees are not doing their work on time according to the predetermined targets. Employee performance is influenced by training and work motivation. Overall, it can be concluded that the training at Pandega Hospital, Pangandaran Regency has not been fully effective. Employee responses to the implementation of training education in 2023 show that there is a lack of achievement. This is because the training materials and techniques are not appropriate to the objectives and cannot be understood by participants. Overall motivation at Pandega Hospital, Pangandaran Regency can be said to be mediocre. This can be seen from the employee's response to the existence indicator which is the lowest indicator. The monthly salary provided is not enough to meet the daily needs of employees, while the health insurance offered by the company functions as a motivating factor for employees. This research uses a descriptive and case study approach, with a quantitative design. The data analysis techniques used include testing instruments to assess validity and reliability, testing research models using the coefficient of determination, and testing hypotheses through t tests and F tests. The results of the research show that (1) Training has a positive and significant effect on employee performance at RSUD Pandega Pangandaran. This means that if training is improved, the performance of employees at Pandega Pangandaran Regional Hospital will also increase. (2) Work motivation has a positive and significant effect on employee performance at Pandega Pangandaran Regional Hospital. This means that if work motivation is increased, the performance of employees at Pandega Pangandaran Regional Hospital will also increase. (3) Training and work motivation have a positive and significant effect on employee performance at Pandega Pangandaran Regional Hospital. This means that if training and work motivation are improved, the performance of employees at Pandega Pangandaran Regional Hospital will also increase.    

The information quality is an important factor in influencing someone's decision, including online drivers. In Jambi City, some people affected by the Covid-19 pandemic chose to change professions to become online drivers due to disruption to the household economy. Undertaking this profession, online drivers are at risk of contracting diseases and safety and health hazards while working, while there are still those who do not have health insurance to face these risks. The aim of this research is to analyze the influence of information quality on the decision to participate in BPJS Health insurance for online drivers in Jambi City. A quantitative study approach with a cross-sectional design was carried out in Jambi City in 2023. There were 96 respondents selected based on accidental sampling techniques. The study instrument is a questionnaire. Data analysis used the chi-square test. There is a significant influence between the factors accuracy (p=0.001), timeliness (0.000), relevance (p=0.001), and completeness of information on the decision to participate in BPJS Health insurance for online drivers. It is recommended that BPJS Health increase its educational campaign about the benefits of health insurance and improving the quality of timely and relevant information.

Pharmaceutical Services at the Hospital is an integral part of the Hospital's health care system that is patient-oriented, providing Pharmaceutical Preparations Medical Devices, and Medical Materials that are quality and affordable for all levels of society including clinical pharmacy services (Anonymous, 2016) Besed on the Decree of the Minister of Health of the Republic of Indonesia No 179 Menkes/SK/11/2008, the SPM indicator of hospital pharmacy services includes the waiting time for drug services to be a maximum of 30 minutes while the maximum concoction drug is 60 minutes, the absence of medication errors, stalaction customers at least 80% and prescription writing all must refer to the Hospital formulary This study aims to find out the Waiting Time (Respond Time) of Prescription Services for Finished Medicines and drugs mixed with BPJS patients Outpatient in Bangil Hospital. This research is a non-experimental research with descriptive approach, namely the type of research approach to obtain an overview of the state of a group of data based on observations the real thing is, data collection is done in the Outpatient Pharmacy Service at Hangil Hospital, and is carried out for three months. The total mumber of prescription samples erered in the pharmacy installation for three months a 12.587 prescriptions with details of 10,770 prescriptions of JKN BPJS 85.27% 1,808 peral recipes 14 66% and 9 other insurance recipes 0.07% Among the recipe for JKN BPIS obtained during the study were 90.23% of non-concoction recipes and 9.77% of recipe recipes. The results of the study were obtaining results, the number of prescriptions from patients was 85.27% more than prescriptions from general patients 14 66% and other insurance 0.07%. The average waiting time for non-concoction recipe services in 25 minutes, and concoctions are 62 minutes

Anxiety is a subjective experience of the individual and cannot be observed directly and is an emotional state without a specific object. This anxiety can occur in parents because parental anxiety can be influenced by several factors, one of which is the life of their child. Febrile seizures are seizures that occur when body temperature rises above 38°C. Objective: to find out what factors are related to the level of anxiety of parents with children with convulsive fever at the Bakti Timah Karimun Hospital. Method: The study design used in this research is cross sectional. The sampling technique was a total sampling of 30 respondents. The analysis used is univariate and bivariate analysis using the Chi Square test. Results: From the research, it was obtained that the age factor had a P value of 0.006 < 0.05, the gender factor had a P value of 0.015 < 0.05, the education factor had a P value of 0.001 < 0.05, the knowledge factor had a P value of 0.002 < 0.05, and the economic status factor (health insurance) with a P value of 0.026 < 0.05. Conclusion: There is a significant relationship between age, gender, education, knowledge and economic status (health insurance) on the level of anxiety of parents and children with febrile seizures. Suggestion: It is hoped that officers can provide information from services to families in the form of communication and education so that families can overcome anxiety in an adaptive way so as to reduce anxiety levels.

In today's era and the changing and needs regarding a good health system, health insurance has a very important role in supporting universal access to health services and protecting individuals and families from unexpected financial risks. Thus, this research aims as an educational material for the wider community, especially in Indonesia, which is actually in dire need of health insurance but still in doubt about its benefits and financial value. In this research, the author uses a qualitative research approach in the form of a library study (Library Research). The result of this research is that Simas Sehat Gold Insurance for customers has many benefits including: (1) Customers can already enjoy a cashless system. (2) Customers under the age of 50 do not need a medical examination. (3) Simas Sehat Gold Insurance can be paid in installments per month through a Visa or Mastercard credit card. (4) There is free personal accident insurance worth Rp 10 Million. (5) There are emergency medical evacuation guarantees around the world. And the advantages of Simas Sehat Gold insurance products include using a cashless system and products from PT. Sinar Mas Insurance has a wider range of hospital providers or partners so that customers are easier to find and receive by the hospital.

Knowledge of the rights and obligations of the community as consumers to receive professional healthcare services is increasing. Therefore, companies in the service sector continue to improve the quality of services for consumers with the aim of creating user satisfaction. One of them is the Regional General Hospital, which becomes the choice for the wider community because it is cheaper compared to private hospitals. Even though sometimes the service is less satisfactory. This research was conducted in April - May 2015 in the Obstetrics Inpatient Room of Wijaya Kusuma Hospital, Dr. Drajat Prawiranegara Regional General Hospital, Serang. This research is a quantitative descriptive study using a cross-sectional approach with accidental sampling technique that meets the inclusion criteria. The results of this study are from 155 respondents, 54.8% assessed the quality of obstetric services in the obstetrics inpatient ward of RS Dr. Drajat Prawiranegara as not good. Descriptive analysis results show respondents are aged between 20-30 years (55.5%), have a low level of education (54.8%), do not work (56.1%), use costs from government/private insurance (81.9%), and have a new patient status (69.7%). The conclusion of this study is that there are significant factors related to the assessment of the quality of obstetric services, namely the source of cost (p=0.031), while factors that are not related are age (p=0.219), education (p=1.000), occupation (p=0.218), and patient status (p=0.25). There is one factor that has the most influence on the assessment of the quality of obstetric services based on multivariate analysis, namely the source of cost with an exp (B) value of 0.339.

The health Social Security Administering Agency (BPJS) is a legal entity specifically assigned by the government to administer social security. Seen in the vision and mission of the Long Term Develompment Plan For the Health Sector 2005-2025, namely that the community is expacted to have the ability to access quality health services and also obtain heald insurance, namely that the community gets protection in meeting their basic health needs. Especially for the people of Binjai city, to see the level of satisfaction of peolbe using BPJS Health in the city of Binjai, it is necessary to build a clustering that can group the level of satisfaction in each domicile. Data Mining Grouping using the K-Menas Clustering algoritma metdhod, which is a process of processing quite large amounts of data using statistical methods, this producing a group of data. It is hoped that clustering can complete the grouping of satisfaction levels of BPJS user commuites in the city of Binjai. There are 400 data from correspondent responses from the community regarding the level of satisfaction in using BPJS Health in the city of Binjai. From the results of trials with 400 data carried out with MATLAB, it was found that group 3, cluster 1, had 244 data, cluster 2 had 69 data, cluster 3 had 87 data, group 4 cluster 1 has 78 data, cluster 2 68 data, cluster 3 has 109 data, group 5 cluster 1 has 63 data, cluster 2 has 63 data, cluster 3 has 145 data, cluster 4 has 24 data, cluster 5 has 100 data.

Work accidents are a phenomenon that often occurs in various industrial sectors. In the process of nation building, the role of the workforce is increasing, along with the various difficulties and risks they face. As a result, to increase national productivity, workers must be provided with protection, care and increased welfare. To ensure that all the steps required to obtain work accident insurance have been carried out correctly and clearly, BPJS procedures cover various aspects, such as registering participants, handling work accident cases, and paying compensation to victims. This journal is made using the library research method, which refers to the process of searching, collecting and analyzing literature or written sources such as books, reports and journals that are relevant to a particular research or study topic. One of them is for the workforce in realizing prosperity. Due to the important role of labor in achieving development goals, they have rights and obligations protected by law. Workers who experience work accidents can receive legal protection such as health services according to medical needs and monetary compensation. The rights and obligations of workers, employers and BPJS Employment are not affected if reporting work accidents is delayed to BPJS Employment and UPTD Employment Inspection.

One of the easiest ways to detect cervical cancer early is with a visual examination of acetic acid. Early detection of cervical cancer by visual examination with acetic acid is guaranteed by the government, namely BPJS Kesehatan, and is included in the national health insurance program. The purpose of the study was to determine the low participation of women of childbearing age in acetic acid visual examination by UPT Puskesmas Timpah. The method used in this study is descriptive research. Questionnaires made by purposive sampling technique are used as data collection instruments; The maximum number of samples in the study sample is 30 samples. The respondents of this study were women of childbearing age. The results showed that based on respondents' knowledge of information, 26 respondents were uninformed (86.66%), 20 respondents (93.33%) did not support men. In the field of education, 21 people were found to have elementary and junior high school education as much as 70%, in the support of officers it was found that 20 people did not support (66.67%). Regarding access to information, it is known that 22 people did not get any assistance to get information (73.33%).    

National Health Insurance (JKN) is a priority for low- and middle-income countries as a way to increase access to health services and reduce the financial burden on health care. The special objective is to analyze the relationship between income and participation in the National Health Insurance (JKN). The 30 respondents, 19 (63.3) respondents were female and 11 (26.7) were male. And aged > 45 years old a total of 15 (50.0) and < 45 years old (50.0). And almost all 23 respondents (69.7) earned < 2,190,206 in each month and as many as 7 respondents with an income of > 2,190,206 in each month. There is a significant positive relationship between the level of opinion and participation in the National Health Insurance program, where the higher the income, the more people participate in the National Health Insurance program. Comprehensive and comparable estimates of health spending across countries are critical to achieving national and international health goals. If there is more health care, the amount of premium that will be issued will also be a lot. Premium increases in the health insurance sector are an uphill task for policymakers to form balanced policies that can provide affordable health care while maintaining survival  

Background: community needs an assurance of availability of healthcare services and health financing, both from the goverment, companies and their own abilities through the health insurance mechanism. Membership of National Health Insurance (NHS) in RT 37 is 65,4%. So it is necessary to increase knowledg about the importance owning JKN Card. Purpose: Increasing awarness to participate in NHS and receive benefits from this participation through outreach activities so that communities understand the importance of owning JKN Card. Methods: the subject/target of the activity are resident of RT 37 Kelurahan Sidomulyo. Data collection technique used interviews and observtion, the analyzed to find out the root cause of problem. The results of the analysis are used to the basis for intervention such as Communication, Information and Education. Results: The root cause of the problem of owning JKN Card due to doesn’t sick don’t need JKN Card, inability to pay the premius for low income groups, not availabel data JKN Card membership in RT 37 and never received socialization from varias stake holders. Conclusion: Low of knowledge people in RT 37 so resident unknown the importance benefits of JKN Card Ownership, therefore proactive socialization needed from all stakeholders to attract people to became JKN membership.

Health is a vital element and is a constitutive element in a person's life process. So that improving health, health recovery and treatment cannot be separated from financing. One of the subsystems in national health is the health financing subsystem. Health financing itself is the amount of funds that must be provided to organize and/or utilize various health efforts needed by individuals, families, groups and communities. The aim of this research is to find out the management strategy for health financing and insurance in health services. The method used is a literature study by analyzing and comparing existing theories and producing findings from the analysis results. The results of this research are strategies for managing health financing and insurance in health services, namely by providing health services, increasing health personnel, improving information, providing adequate health equipment, vaccines and technology, good leadership and governance in management and financing and accelerating access to health services as a whole. universal for reducing inequalities in health. It can be concluded that strong, stable and sustainable health financing plays a very vital role in the provision of health services in order to achieve various important goals of health development in a country, including equal distribution of health services and access (equitable access to health care) and quality services (guaranteed quality). Therefore, health policy reform in a country should provide an important focus on health financing policies to ensure the implementation of adequacy, equity, efficiency and effectiveness of health financing itself.

Work agreement for a certain period of time (PKWT) is one of the provisions that underwent changes after the enactment of the Cipta Kerja Law where there was a provision for compensation for PKWT workers and the PKWT period was changed to a maximum of 5 years. Thus, the purpose of this study is to find out how the implementation of PKWT in Radiant Utama Company and to find out about the company's responsibility to PKWT workers related to compensation after the Cipta Kerja law.This study uses a normative juridical method with a statutory approach and a conceptual approach. The data used is secondary data consisting of primary legal materials, secondary legal materials and tertiary legal materials. The result of this research is the implementation of PKWT at PT. Radiant Utama, after the enactment of the Cipta Kerja Law, the implementation of the PKWT is in accordance with what is stipulated in the Cipta Kerja Law and Government Regulation Number 35 of 2021 concerning Work Agreements for a Certain Time. But PKWT at PT. Radiant Utama there are several weaknesses related to not being listed in the PKWT agreement regarding dispute resolution, the party representing the company PT. Radian in the PKWT agreement was represented by the Human Resources and General Affairs Dept. Head (HR & GA Dept. Head) as the first party. However, it was not explained based on a power of attorney from the Board of Directors of PT. Radiant and Inside.While related to corporate responsibility. then PT. Radiant Utama has carried out its responsibilities as a company to provide compensation as stipulated in Article 16 paragraph 1 of Government Regulation No. 35 of 2021 regarding the amount of compensation. Other company responsibilities that have been carried out are related to providing wages and benefits as well as the company's responsibility to provide Employment Insurance and Health Insurance.

This study discusses the Implementation of Health Insurance Administration Agency Policies at the Durai District Health Center, Karimun Regency. This research refers to the policy implementation model of the Van Metter and Van Horn models, with variables of policy size and objectives, resources, characteristics of implementing agents, attitudes/dispositions of implementers, inter-organizational communication and implementing activities. The data collection techniques are carried out by observation, interviews, and documentation. The data obtained was then analyzed using steps including data collection, data reduction, data presentation, and drawing conclusions. The results showed that the implementation of the Health Social Security Administering Body Program Policy at the Durai District Health Center, Karimun Regency was not optimal and there were still deficiencies that still needed to be corrected. The arrangement of human resources should run optimally so that the program can continue running, there are still gaps in the use of infrastructure in obtaining free health services, and there are still poor people who have not yet received a BPJS card. The Durai Health Center as the executor of the BPJS program is expected to further intensify socialization regarding free h8ealth services, for example by conducting counseling and placing banners so that information about the BPJS program can reach remote villages.

The Healthy Indonesia Card (KIS) is one of the programs planned by Mr. President Joko Widodo and Vice President Mr. Jusuf Kalla on January 1 2014 ago, 14 days later, Mr. Joko Widodo and Jusuf Kalla were inaugurated as President and Vice President. The Healthy Indonesia Card (KIS) functions to provide health insurance for underprivileged/poor people to access health services free of charge. This study aims to find out how the Implementation of the Healthy Indonesia Card Program (Case Study at the UPTD Puskesmas Teluk Sasah, Seri Kuala Lobam District, Bintan Regency). This study uses a qualitative descriptive approach with primary and secondary data sources and data collection techniques using field observations, interviews, literature studies and documentation. This study uses Edwards III's theory with four indicators, namely communication, resources, disposition, and bureaucratic structure. The research results are based on the first indicator, namely the UPTD Teluk Sasah Health Center has provided information about Karu Indonesia Sehat to people seeking treatment in the area of Teluk Sasah Health Center by conducting outreach through the mass media. The second indicator is Resources, there are two resources in the implementation of the Healthy Indonesia Card program, namely human resources and financial resources. It is said that human resources are still lacking and financial resources such as facilities and infrastructure are sufficient. The third indicator is the disposition that the characteristics of the implementation of the Healthy Indonesia Card program are commitment, honesty, responsibility and fairness. The fourth indicator is the Bureaucratic Structure in which the implementation of the Indonesia Seat Card program has been carried out in accordance with the Standard Operating Procedures. The results of this study indicate that the Implementation of the Healthy Indonesia Card Program at the UPTD Puskesmas Teluk Sasah, Seri Kuala Lobam District, Bintan Regency has been implemented in a optimal.

The health services between urban and rural areas are quite interesting because they have many differences that can be seen, especially the gap between the two areas. One of the characteristics of urban and rural areas is accessibility development, urban areas tend to develop faster than rural areas. This article was created with the aim of knowing the condition of health service facilities in rural areas in Indonesia and their access, especially for the elderly. The search strategy used in this research is a systematic literature review. The disparity in the elderly's use of health facilities are impacted by their education level, socioeconomic status, ownership of insurance, distance traveled, and cost of transportation. In conclusion, access to healthcare is crucial in Indonesia, particularly for elderly people living in rural areas. The Indonesian government must evenly distribute medical facilities in rural areas and guarantee universal coverage with National Health Insurance. To improve elderly health care, the government needs to develop sufficient expertise with health and social care workers with the necessary training in integrated care services.