Also, 6 main groups of factors impacting negatively the implementation of the insurance policy in the area are listed, namely: (1) factors related to the local authority's participation; (2) factors related to the propaganda activities; (3) factors related to ability of insurance staffs; (4) factors related to the quality of the local medical services; (5) factors related to procedures of the field; and (6) factors related to the local people's finance.