Several articles analyzed that health expenditures during a pandemic were still deficient, so a new pattern of thinking was needed in public health expenditures. Public health expenditures, pandemic preparedness facilities, health care resilience can be used together for health resilience. So it needs to be taken seriously. In general, the main source of health financing is taken from direct and indirect taxes in all ASEAN and CHINA countries. Brunei, Indonesia, the Philippines, Malaysia, and Vietnam have one income collection group which is the national health insurance. Cambodia, China, Laos, Singapore, and Thailand implement a double collection system. Myanmar does not have formal regulations. (Myint et al. 2019)We already know that increasing financial protection in the financing system in several countries is experiencing imbalances. Improper payment policies and mechanisms have an impact on the quality of health care provision. To reach UHC you must include vulnerable groups in the health insurance scheme. The higher the percentage of government spending on health the greater the financial protection. (Myint et al. 2019)all health systems struggle to fill the health system with limited resources, especially. low-income countries. (Witter et al. 2019) in general, the health insurance scheme can be focused on the following issue
The picture above explains that several variables can be used for consideration in making a payment system scheme
a. Health system definition
Health system financing has the same governance as the mission of the world health organization. A good health system seeks the optimal way to maintain a balance between the delivery and financing of health services with good and appropriate regulations. Proper regulation can be a force to achieve social justice and justice in the health system. The financing system requires clear identification and regulations and regulators to enforce the rules. In general, there are three sub-functions of health financing(Phua, 2018):
From the picture above, everything must be managed properly, however, in practice it often creates problems because the health management system involves larger regulations and transparent financial reports.
b. Impact of corruption
Corruption in the health sector is very diverse, with its effects hindering progress towards UHC. Corruption does not only impede public access, but also reduce the quality of medicines, and damage protection systems, and financial risks. To deal with corruption in the health sector, it is necessary to identify how this problem occurs. Evidence is used to develop how the crime occurred and the risks(Mackey et al., 2018).
We already know that corruption in the health sector has become a serious problem because it causes financial waste and results in losses in the health sector. However, corruption has become a global plague in both the public and private sectors in both developed and developing countries. The impact of misuse of funds, fraud will also threaten future investment so that constant criticism is needed. (MacKey and Liang 2012)Corrupt practices become. In the global problem there are five reasons why the squirrel policy is closed(Hutchinson et al., 2019):
It is undeniable that corruption is an extraordinary crime, dishonesty and fraud have taken root, including in the health sector. Corruption is rarely discussed openly and people are afraid to expose it because it involves public officials and power holders. (García 2019)corruption in the health sector is currently a dirty secret in the health sector so that international development and global activities try to emphasize it because this is a serious problem. After all, it involves human health. (Mackey 2019)
Research finds that many obstacles that cause the system to not run optimally are caused by internal factors and external factors (Dror et al., 2016). The study found that corruption has a negative effect, especially patient care, and the motivation of medical personnel for corruption is also influenced by the lack of mechanisms and checks against corruption and failure to enforce laws(Rispel et al., 2016)
Table 1 Factors inhibiting the implementation of the health system program
Inhibiting Factor
|
Motivation Factors
|
Regulation Factor
|
Incompatible benefit package
|
Knowledge
|
Strict rules
|
Cultural beliefs
|
Understanding
|
Laws and policies are inadequate
|
Range factor
|
Quality of care
|
Benefits packages do not match
|
Health facility distance
|
Trust
|
|
Lack of a legal framework
|
Previous service acceptance
|
|
Improper Regulatory Scheme
|
|
|
Education
|
|
|
Apart from the above factors, there has also been a delay in receiving health care, including slow processing times and gaps in the number of claims and the amount paid(Panda et al., 2016).
Indonesia is now facing several problems in implementing BPJS health insurance because it has experienced a deficit from 2014–2018(Machmud et al., 2020)
Figure 4 Deficit of the BPJS. Source: Online seminar of the Corruption Eradication Commission (KPK)
From the picture above, there is an indication of moral hazard in the health system. The results showed that several types of moral hazards that have the potential to become corruption cause losses to the state. Although, in practice, law enforcement still experiences obstacles related to significant evidence. Several documents mention indicators of types of crime in health financing which can be described in the following table,
Table 2 Data on several types of fraud in health insurance
No
|
Type of Event
|
Number of Cases until July 2016
|
RJTL
|
RITL
|
TOTAL
|
%
|
1
|
Upcoding
|
230,909
|
297,376
|
528,285
|
49.77
|
2
|
Service Unbundling or Fragmentation
|
259,649
|
5,923
|
265,572
|
25.02
|
3
|
Readmission
|
57,876
|
6,104
|
63,980
|
6.03
|
4
|
No Medical Value
|
34,300
|
10,962
|
45,262
|
4.26
|
5
|
Type of Room Change
|
1,352
|
36,363
|
37,714
|
3.55
|
6
|
Canceled Services
|
31,747
|
3,912
|
35,659
|
3.36
|
7
|
Standard of Care
|
27,305
|
4,708
|
32,013
|
3.02
|
8
|
Unnecessary Treatment
|
15,942
|
4,763
|
20,705
|
1.95
|
9
|
Repeat Billing
|
11,015
|
1,010
|
12,025
|
1.13
|
10
|
Phantom Procedure
|
5,542
|
1,679
|
7,221
|
0.68
|
11
|
Phantom Billing
|
4,890
|
1,215
|
6,105
|
0.58
|
12
|
Length Of Stay
|
663
|
1,603
|
2,266
|
0.21
|
13
|
Inflated Bills
|
1,293
|
554
|
1,847
|
0.17
|
14
|
Self Referral
|
925
|
147
|
1,072
|
0.10
|
15
|
Cloning
|
574
|
226
|
800
|
0.08
|
16
|
Cost
|
347
|
212
|
559
|
0.05
|
17
|
Excessive use of ventilators
|
135
|
196
|
331
|
0.03
|
Total
|
684,463
|
376,953
|
1,061,416
|
100.00
|
Looking at table 2 above, it is found that various kinds of potential crime (moral hazard) in the health system. This is very dangerous for patients as recipients of health services resulting in the impact of disease severity and even death. Besides, the longer care system is also a burden on patients and has the potential to become fraud in the health sector. (Machmud et al. 2020) The study found that the appointment of non-medical doctors as internal verifiers, lack of clarity in guidelines for doctors and coding, and poor coordination between hospitals and health insurance are the causes of upcoding in the hospital(Syafrawati et al., 2020).
Meanwhile, the five most common corrupt practices that are frequently reported are(Onwujekwe et al., 2019)
The study found that corruption also occurred in Europe, namely a study of corruption in the consumption of antibiotics was found. There is a correlation between corruption, namely the health sector with the public, and the use of antibiotics where the high use of antibiotics also increases the level of the budget(Rönnerstrand & Lapuente, 2017)research found that in Nigeria there was an increase in deaths 12.7 deaths / 1000 population due to disruption of health services and shortages of drugs due to embezzlement, mismanagement, poor funding, and lack of medical services in public hospitals. This proves that the health sector is very vulnerable to corruption, especially in poor countries. (Ewomazino Akokuwebe, Ewomazino, and Michael 2017; Vian and Crable 2016) opportunities for corruption in the health system occur in (1) governance (2) financing (3) human resources and pharmaceutical management (4) dirty practices (Vian & Crable, 2016).
Health development model
An upcoding management policy is needed which must be implemented in the national health insurance program by way of compiling upcoding guidelines, increasing regular medical upcoding training, increasing the number of coders from medical personnel, strengthening regulations for coding as problem-solving in hospitals. (Syafrawati et al., 2020)for example in China, system management has made great progress in creating a health system. By multiplying the rural population, namely the CMS (Cooperative Medical Scheme) or NCMS (New Rural Cooperative Medical) model so that a strong government commitment and combined with administration, clear policy objectives, takes into account local conditions which are all accumulated as a basis for practice. (Swami and Srivastava 2020; Yuan et al. 2017)
The health system in Austria has a high level of health. Life expectancy at births is above the EU average and low mortality are indicators of the EU's good health. The highest mortality rates were due to tobacco and alcohol. Austria's health system provides good service access. Almost all residents receive benefits. Although health is relatively expensive, reforms continue to be carried out to strengthen primary health(Bachner et al., 2018)
In Europe, reforms are continuously pursued to improve health policies, namely in the health system products, consolidation, centralization, and social services. Improving elderly services is also being pursued in the health systems in the Netherlands and Germany. In Canada, the health system is funded by taxes so in general in the European Union health care providers continue to seek health sector funding(Saltman, 2018)
In Taiwan, several reforms were carried out by implementing the task of a continuous health care institution whose task was to identify and evaluate. The co-payment system must comply with the medical triage system. Where the results show, it must be considered by the leadership so that it is more integrative to improve the quality of better health. (Chang, Wang, and Wang 2018)
America offers contemporary health care policy and federal health care financing policy changes. The United States health care system is considered the most expensive in the world and is certainly ineffective compared to other countries because the increasing cost of health care has made a burden on the underprivileged society because of institutionalized medical practices and technological developments and consumer behavior of each country cannot be equated because of the country. The poor still have difficulties in terms of inadequate infrastructure and lack of medicines. (Dalinjong et al. 2017; Kumar, Ghildayal, and Shah 2011; Sekhri, Feachem, and Ni 2011) America implements a hospital policy that must be led by doctors and specialists. (Tasi et al., 2017) in fifty states in the US, a total of 3608 hospitals are certified Medicare (Fahrenbach et al., 2020). The United States also made a policy about technology maximizing the efficiency of the quality of hospital care. Technology also supports the quality of hospital performance. (Fotovvat 2019; Janakiraman et al. 2018) Technology is also used in designing health information systems in Emergency Units (IGD) called Health Information Exchanges (HIEs) which aim to reduce the length of stay and produce better quality services from doctors and patients. (Janakiraman et al. 2018).
Developed countries try to develop by creating public-private partnerships to harness private financing and expertise to achieve public policy objectives. The partnership went beyond governmental arrangements and was able to combine a new concept of infrastructure with medical services. Partnerships can increase access, quality, and efficiency in health care. (Sekhri, Feachem, and Ni 2011)
Brazil created a program of Maes medicos or more doctors in 2013. This program is aimed at reducing the inequality of emergency doctors. Expansion of medical education in Brazil, the government implements that justice must be considered when determining priorities and allocating resources and considering vulnerable areas as priority areas in a regulation that emphasizes public policy and constitutional rights in the health sector(A. Oliveira et al., 2020; F. P. Oliveira et al., 2015)
For example in Sri Lanka has provided a large part of inpatient care for employees. For 20 years its effectiveness cannot be accounted for. The poor have a higher chance of being burdened by health expenditures. Health schemes are only able to protect 20% of households.
Recommendation
Health system improvement is a determining factor for achieving good goals in the health sector, to support this it must be supported by advances in medical technology including financial data related to claims and good service quality. Technology supports cost-effectiveness and prevention and treatment management, so health financing cannot be separated from good financial information to influence policies at all levels. A good system will be integrated into both the private and voluntary public sectors. To achieve UHC, the financing system and mechanisms must be regulated effectively through checks and balances, as well as efficiency in administration. (Phua 2018) The UN recommendation model for sustainable development or SDGs as a new approach to anti-corruption governance aims to deal with coordination from all jurisdictions of various countries with a partnership of stakeholders to make anti-corruption policies at all levels through the SDGs for human development to be better in the future. (Mackey, Vian, and Kohler 2018).
Several recommendations provide a concept for overcoming corruption so that the problem does not become bigger(Hutchinson et al., 2019):
Given the background that corruption in the health sector is very difficult to reveal, tackling it requires a commitment of academic and research responsibility in all countries, both in developed and developing countries, to make policies, research, and think about efforts for corruption so that development goals are achieved. and ensuring a good life for all, corruption in global health should never be a secret anymore. (García 2019) UK recommendations provide a concept for fighting health corruption by making policy and building an international community in the field of corruption such as the establishment of a global network of anti-corruption, transparency, and accountability (GNACTA) which is recently led by the World Health Organization (WHO), and the building of national unions. -a nation in 2019 to achieve the goals of sustainable development (SDGs) and universal health coverage or (UHC)(Mackey, 2019). The right laws are not sufficient to reduce corruption but there must be the political will to run health services free of corruption. Mechanisms to reduce corruption are as follows (1) political will (2) effective government enforcing the law (3) proper system (4) community participation (5) advocacy for responsible officials (6) bureaucratic institutions (7) improving human resources and competence (8) proper ethics and value system (8) of equal importance to the goals of the health system(Rispel et al., 2016). The German study made a recommendation that a guideline was needed that prohibited hospital doctors from accepting all forms of benefit from the pharmaceutical industry because doctors could be influenced by the choice of drugs offered by pharmaceutical companies. Supporting this, the study in America also provides recommendations to always evaluate the impact of a law that requires pharmaceutical companies to reward medical personnel because various internal control mechanisms in health centers can stop corruption. (Gaitonde et al. 2016).