Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Jurnal Ilmiah Multidisiplin Indonesia
Frestinawati, Senintyas
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Computer Science & IT Earth & Planetary Sciences Engineering Physics

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Analysis of Loss Ratio and Determinants of High Health Insurance Claims in Employee Benefit Programs: A Case Study of PT XYZ for the 2024–2025 Period Frestinawati, Senintyas; Budhialon, Poltak Robert; Sari, Yulia Indah Permata
Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) Vol. 5 No. 03 (2026): Jurnal Ilmiah Multidisplin Indonesia (JIM-ID), March 2026
Publisher : Sean Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The rising global healthcare costs have placed significant pressure on the sustainability of employer-sponsored health insurance programs. This study aims to analyze the loss ratio and identify the main determinants of high health insurance claims in the employee benefit program of PT XYZ for the 2024–2025 period. The research employed an analytical observational design using secondary claims data from 2024–2025. The analysis was conducted descriptively and inferentially by calculating the loss ratio, examining the frequency distribution of claims, determining the average cost per case, and performing comparative analysis based on type of service and membership status. The results show a loss ratio of 115.37%, indicating an underwriting deficit. Outpatient services dominated claim frequency (±78%), while inpatient services contributed the highest cost per episode. Dependent participants accounted for more than two-thirds of total claims. The primary determinants of increasing claims include the high frequency of outpatient visits, the high cost of inpatient care, and the utilization pattern among dependents. These findings highlight the importance of benefit design evaluation, utilization control strategies, and strengthening promotive and preventive programs to maintain the financial sustainability of the program.
Co-Authors Budhialon, Poltak Robert Sari, Yulia Indah Permata