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Dominicus Savio Priyarsono
Fakultas Ekonomi Dan Manajemen, Universitas IPB Jln. Raya Darmaga, Kampus IPB Darmaga, Bogor 16680, Jawa Barat, Indonesia
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Journal : ETIKONOMI

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Does the National Health Insurance Program Affect Life Insurance Demand in Indonesia? Rapi, Kristio; Priyarsono, Dominicus Savio; Jahroh, Siti; Bakhtiar, Toni
ETIKONOMI Vol. 25 No. 1 (2026)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v25i1.50403

Abstract

Research Originality:  This research pioneers a macro-institutional approach to life insurance demand by empirically proving a definitive crowding-out effect induced by Indonesia's universal healthcare mandate. Research objectives: To investigate the dynamic impact of the state-mandated JKN program and national income on private LID in Indonesia. Research methods: This study utilizes a Vector Error Correction Model (VECM) and structural break analysis on annual data from 2002 to 2022 to rigorously capture regime shifts, short-run frictions, and long-run equilibria. Empirical result: The findings reveal a definitive crowding-out effect: the JKN mandate and rising compulsory insurance penetration significantly depress private LID, whereas income maintains a significant positive elasticity in the long run. Furthermore, structural break tests confirm a fundamental, permanent shift in consumer purchasing behavior post-2014, coinciding with the introduction of the JKN program. Implications: Policymakers must orchestrate a regulatory environment that protects universal healthcare while actively sustaining the development of the private life insurance market. Insurers must innovate beyond state-overlapping benefits by developing investment-linked products and optimizing Coordination of Benefits (CoB) frameworks. JEL Classification: D12, G22, G28, I13, I18
Co-Authors ., Harianto A. Yulian AA Sudharmawan, AA Abd. Rasyid Syamsuri Adi Hadianto, Adi Adi Lumaksono Adler Haymans Manurung Ahmad, Fahmi Salam Akhmad Fauzi Akhmad Fauzi Alfi Nur Lailiyah Alla Asmara Amzul Rifin Andika, Ridho Erfan Andriansyah, Fajar Anggraini Sukmawati Annisa Utami Seminar Arief Daryanto Arief Muhammad Sigit Artha Graciela Pandiangan Arya Hadi Dharmawan Asshanti, Fathia Fauziah Asti Asti Bayu Agung Prasetyo Beta Septi Iryani Bonar M Sinaga, Bonar M Budi Asih Budiasih Budiasih Bunasor Sanim Bustanul Arifin Charles R. Vorst Desyandri Desyandri Devi Nurmalasari Diah Ananta Dewi Dian Anggraeny Rahim Diyah Nugraheni Eka Dewi Satriana Eko Susetyono Ely Elprida Sigiro Erliza Noor Ernan Rustiadi Ernawati Pasaribu Ervin Nora Susanti Ervin Nora Susanti Esra Frandika Barus Esra Frandika Karo-Karo Euggelin, Meisyielin Gea Alzera Kosanda Gebby Aldhepis Gerhana Gerhana Gerhana Gerhana, Gerhana Geri Suryadi HANUM, F. Happy Febrina Hariyani Harianto Harianto Hartoyo Hartoyo Hasan, Hasbiyallah Heri Supriyadi Hermanto Siregar Hermanto Siregar Heru Kustanto Hutagaol, Manuntun Paruliah Ilham, Nyak Iryani, Beta S. Kuntjoro . Kustanto, Heru La Ode Nafiu Lailiyah, Alfi Nur Laily Dwi Arsyianti LESMANA, D. C. Linda Karlina Sari MANGARA TAMBUNAN Martua Eliakim Tambunan Maudytia Rismalasari Prabowo Miryam B Lilian Wijaya Mochammad Imron Awalludin Mohammad Saedy Romli Muhammad Fauzan Fadhlani Musram Abadi Nandha Rizki Awalia Neli Agustina Nia Permatasari Pasaribu, Andri Ronaldo Pitri Yandri Popong Nurhayati Prabowo, Maudytia Rismalasari Probokawuryan, Mutiara Putri, Erica Gratia Qomariyah, Nor Raden Racmadi Gustrian Raiyatu Imadidin Ramadyanto , Widodo Ramadyanto, Widodo Rapi, Kristio Rastanura, Yudha Rina Oktaviani Rina Oktaviani Rindayanti, Wiwiek Rindayati, W. Rizky Maulana, Rizky Rusman Heriawan Rustam Abd. Rauf Setiawati, Nanik Dewi Shabrina Agustin Ghassani Siahaan, Henry MP Sigit, Arief Muhammad Siti Jahroh Sri Hartoyo Sri Hartoyo Sri Hartoyo Sri Mulatsih Suharno Suharto Sulistyowati, Niken Susetyono, Eko Tahlim Sudaryanto, Tahlim Tampubolon, Bahroin Idris Tanti Novianti Titi Kanti Lestari Toni Bakhtiar Tony Irawan Triana Rachmaningsih Trias Andati Trias Andati Ujang Sehabudin, Ujang Wahyudi, Wenny Widya Widyastutik Winardi Winardi Winardi Winardi Winardi, Winardi Wiwiek Rindayanti Wiwiek Rindayati Wiwiek Rindayati Y. Munawar Yuliana Susanti Yusman Syaukat Yusman Syaukat Yusuf Munawar