Insurance for Expats in Indonesia


Indonesia is the world’s fourth most populous country and third major democracy. With more than 245 million residents and has an ever-increasing number of expats relocating there and a growing tourist population visiting the major hotspots, like Jakarta, Bali and Lombok. Indonesia is the largest economy in south east Asia and is expected to be in the top 10 global economies in the world by 2030.

Health Insurance Indonesia

Healthcare facilities in Indonesia are limited. The standard of local medical care can be poor and so expats tend to go private which is relatively expensive. While expats are allowed to be treated in local hospitals, it is important to be aware that all the doctors and staff will be Indonesian and there can be no guarantee that they can speak English, so communication may be an issue. While routine care is accessible, many doctors and public hospitals will expect payment in cash irrespective of any health insurance policy one possesses. This means for expats, the private healthcare route is more straight-forward and convenient.

In addition, expats are not entitled to government-funded cover under the country’s public health insurance system. Expatriates who relocate to Indonesia for work or retirement will usually need to secure comprehensive health insurance in order to obtain a visa. Expats who are moving to Indonesia on international assignment should check with their employer if expat health insurance is included as part of their expat employment package.

The quality of public healthcare in Indonesia is not up to the standard that many Western expats may be used to. Although private medical care in Indonesia is expensive, it is the option best suited to the needs of expats and where they can expect better facilities and medical staff that speak English.

All expatriates employed in Indonesia are required to join the Jaminan Kesehatan Nasional (JKN) program. Fundamentally, it’s designed to make basic medical care and facilities available to all citizens. It was implemented by the Badan Penyelenggara Jaminan Sosial Kesehatan (BPJS) social security agency. After you’ve been working in the country for at least six months, your employer will take care of the details. Upon registration, you and all your family members will receive the public health insurance cards that you must present at every medical appointment.

Nevertheless, the capabilities of private hospitals in Indonesia may still be somewhat limited. For medical emergencies and complex surgical procedures, medical evacuation to a neighbouring country with more specialised staff and equipment may be required.

It is very important that any expat health insurance policy has provisions for these issues. Particularly, expats should ensure their policy covers medical evacuation. Those who have medical insurance provided by their employer should also check the extent of the coverage.

Health Insurance Bali

If plan on moving to Bali on a more lasting basis, than the normal holiday maker you will need to look into expatriate medical insurance. There are a couple of international companies that offer this. The most important thing you need to check is whether your insurance company offers medical evacuation, or medivac. This is where you become so seriously injured where hospitals here cannot treat you and you need to fly on a privately chartered plane to another country, such as Singapore, Australia or Thailand.

Good, comprehensive medical insurance can be cheap. It is important to find out all your options from an unbiased source like i-Brokers., who can assist you to make the choice based upon your individual requirements.

Travel Insurance Indonesia

Traveling to Indonesia is a popular choice for many people however it is not without it’s risks. Terrorism which rocked the country with the infamous Bali bombings, poor government health facilities, high crime rates and dangerous roads means having the correct insurance in place is very important when traveling to Indonesia.

If you plan on riding a motorbike you need to make sure your insurance will cover you for this. Even if they do cover you, you need to make sure you follow their policies, such as

– Wearing a helmet

– Not driving under the influence of drugs or alcohol

– Holding the appropriate driving license.

Travel Insurance Bali

If you are planning to stay in Bali for a short time, say for less than one year and the move is only temporary, travel insurance maybe a good option. Many travel insurance companies offer policies up to 12 months.

Unfortunately, many people travel without medical insurance and then get in a serious accident usually on a motorbike. Their families are then left trying to scramble money together to pay for a medivac.

Medical evacuations are a big factor in travel coverage in Bali, as the quality of medical service available in outlying areas in Indonesia is relatively poor. In such areas, emergency medical evacuation (medevac) to a large city or a neighboring country is considered essential.

Life insurance Indonesia

Expat life insurance in Indonesia is something that everyone with a young family should look at. It is often the case that the main income generator for expat families in Indonesia is one person so the impact on the family should a death occur to this person is potentially catastrophic.

Life insurance in Indonesia can allow you to cherish your years more easily without the stress brought on worrying about what will happen to your loved ones after your death. Life Insurance in Indonesia will bring additional peace of mind as you take on a new life with new challenges to face.