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Indonesia's social insurance reform is the critical goal being universal health coverage for all by the year 2019. It has come into form with a single-payer umbrella program in 2014. Jamkesmas is the Government-financed health insurance program for the poor and near-poor. It has been combined and unified with other social insurance programs. Educating from Jamkesmas may start a better groundwork and application of universal health coverage for Indonesia by 2019. Axis Capital, a global insurer and reinsurer, providing clients and distribution partners with a broad range of specialized risk transfer products and services, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States is at one with the universal healthcare for Indonesia. What successes can Jamkesmas claim? * About 47 percent of poor and near-poor households were covered under the program. * Outpatient and inpatient utilization rates increased among program cardholders. * Levels of catastrophic payments declined. * Participation of private providers increased. * More than 300 complementary local Jamkesmas-inspired programs were initiated across the country. Yet considerable challenges remain, including the following: * Nearly 60 percent of the populations remain without any coverage, including millions of Indonesians working in the informal sector. * Out-of pocket spending remains high even among those with coverage. * Lack of equitable access to quality health services in rural, remote areas. * Evidence of considerable mistargeting and leakages to non-poor families. * Low levels of awareness of benefits. * Low utilization of health services. * Regional inconsistencies in the availability of the basic benefits package, and poor accountability and feedback mechanisms. Key Lessons Learned from Jamkesmas to Achieve Universal Health Care in Indonesia * Improve target

Local governments initially started carrying health insurance back in 2003 when Megawati Soekarnoputri’s government presented the Health Service Insurance for Poor Families program, or JPK-Gakin. The notion was for district managements to apply their personal community health insurance schemes in line with local requirements. Nevertheless, limited programs ever actually got off the ground before Susilo Bambang Yudhoyono’s new government presented a bill that laid the foundation for a nation-wide program and made JPK-Gakin redundant, Law no. 40/2004 on a National Social Security System (SJSN). Simultaneously, Yudhoyono’s government announced a program to run free, however basic, healthcare to the poor - Askeskin (health insurance for the poor), which was substituted in 2008 by Jamkesmas (community health insurance). Certain regional administrations put up a round. In 2005, East Java’s government led a test at the Constitutional Court demanding that SJSN gave the central government a monopoly on social service provision and broke the constitution and Law no. 32/2004 on Regional Governance. The court approved that SJSN did not stop local governments from emerging their own social security programs, as well as for healthcare. Ever since, the quantity of local health insurance programs has increased year on year. One of the groundbreaking systems was Jaminan Kesehatan Jembrana (JKJ) presented in 2003 by Gede Winasa, the head of Jembrana district in Bali. According to this scheme, all members of JKJ, may they be poor or non-poor get free pri