expat insurance indonesia


Moving to Indonesia as an expat can be exciting and life-changing, but it can also be daunting, especially if you’re not familiar with the country’s healthcare system. While Indonesia has made great strides in improving its healthcare services, the standard of care may not be the same as what you’re used to in your home country. This is where expat insurance comes in to protect you from unexpected medical events.

Why Do You Need Expat Insurance in Indonesia?

As an expat living in Indonesia, access to proper healthcare is essential. However, healthcare costs can be high, and sometimes, medical care may not be available in some areas. Expat insurance is, therefore, crucial as it gives you the peace of mind that if you fall ill, you will be covered. Additionally, since medical costs are unpredictable, it can be challenging to budget for them, making it even more important to have health insurance.

Types of Insurance Available for Expats in Indonesia

There are various types of health insurance policies available for expats living in Indonesia, including:

International Health Insurance

This type of policy is ideal if you intend to travel often, and you’re not primary concerned with getting coverage in a single country. The policy covers both emergency and non-emergency medical care, such as preventative care and routine checkups, among others.

Local Health Insurance

This type of policy is more focused on providing medical care within Indonesia, and often only covers medical expenses incurred within the country. It’s ideal if you do not plan on traveling much and want a policy that offers in-depth coverage within Indonesia.

Travel Insurance

This type of insurance is suitable if you only plan on staying in Indonesia for a short period. It covers only short-term medical issues such as emergency care and evacuation. It’s essential to note that travel insurance is not suitable for long-term stay, and coverage is often limited.

Factors to Consider When Choosing Expats Insurance Indonesia

Choosing a health insurance policy can be overwhelming, but the following factors can help you select a policy that’s right for you:


Before choosing an insurance policy, ensure its coverage fits your needs. Be sure to check what is included and what is excluded from the policy.

Premiums and Exclusions

It’s vital to understand how premiums are calculated and whether there are exclusions, such as pre-existing medical conditions, that could affect the premiums or coverage. Knowing this will give you an idea of what to budget for your insurance.

Medical Network

Check whether the insurance company has a network of hospitals and clinics in Indonesia and ensure it’s the network you’d prefer. It is also essential to know the procedure to follow in case of a medical emergency in terms of access and payment mode.

Emergency Assistance & Repatriation

If you’re traveling frequently, assess the insurance policy’s ability to provide emergency assistance and repatriation services, such as air ambulance evacuation.

Claim Process

Understand the insurance company’s claim process and how long it takes to get reimbursed. Choose a policy that relies on a cashless system or one with an online claim system to make it easier to file a claim, plus avoid out-of-pocket expenses.

Customer Service and Support

Choose an insurance company with a good reputation for providing efficient customer support and assistance, especially in emergency cases.

The Benefits of Expat Insurance Indonesia

Having expat insurance provides various benefits, including:

Peace of Mind

Knowing that you’re covered in case of emergency and unforeseen medical expenses provides peace of mind for you and your family.

Cost Savings

Expat insurance saves you money in the long run since medical costs in Indonesia can be high. With insurance, you don’t have to worry about incurring high expenses, which can be financially crippling.

Access to Quality Healthcare

With the right coverage, you have access to quality healthcare, including doctors, hospitals, and medical treatments, that may not be readily available in local hospitals.

Flexible Coverage Options

Expat insurance offers different coverage options to fit your budget and medical needs. This means that you can tailor your coverage to fit your requirements and remain covered, whether you need short-term or long-term medical care.


Expat insurance provides a safety net that can protect you from high medical costs and provide access to quality healthcare in Indonesia. However, it’s essential to choose the right policy that meets your medical needs, and be sure to understand the coverage, claims process, and medical networks available to you. Ultimately, the benefits of having expat insurance outweigh the risks, providing you with the peace of mind that you and your loved ones are covered, no matter the situation.

FAQ about expat insurance indonesia

1. What is expat insurance in Indonesia?
Expat insurance in Indonesia refers to insurance policies designed to provide coverage and protection for expatriates living and working in Indonesia. These policies may cover a range of areas including health, travel, personal accident, and motor insurance.

2. Do I need expat insurance if I am already covered by my employer?
While some employers may provide insurance coverage for their expat employees, it is important to check the extent of this coverage and determine whether it is sufficient for your needs. In many cases, expat insurance may provide additional benefits and coverage beyond what is provided by an employer.

3. What types of expat insurance are available in Indonesia?
Expat insurance in Indonesia may include health insurance, travel insurance, personal accident insurance, and motor insurance. Each of these policies provide coverage for different scenarios and risks.

4. What should I consider when choosing an expat insurance policy in Indonesia?
When choosing an expat insurance policy in Indonesia, it is important to consider factors such as the extent of coverage, the cost of the policy, the reputation and reliability of the insurance provider, and any exclusions or limitations of the policy.

5. Is travel insurance included in expat insurance policies in Indonesia?
Many expat insurance policies in Indonesia may include travel insurance, however, this may vary depending on the specific policy and provider. It is important to check the details of the policy to determine whether travel insurance is included and the extent of this coverage.

6. Can I purchase expat insurance in Indonesia if I am already living and working in the country?
Yes, expat insurance policies are available to expatriates who are already living and working in Indonesia. It is important to research insurance providers and policies to find the best option for your specific needs.

7. How much does expat insurance cost in Indonesia?
The cost of expat insurance in Indonesia may vary depending on a range of factors including the extent of coverage, the age and health of the insured, and any additional factors specific to the policy. It is important to research different providers and policies to find the best option for your budget.

8. Can I claim on my expat insurance policy in Indonesia if I need medical treatment?
Yes, if your expat insurance policy includes health insurance, you may be able to claim on this policy if you require medical treatment. It is important to check the specific coverage and limitations of the policy to determine whether your medical treatment will be covered.

9. Are there any exclusions or limitations to expat insurance policies in Indonesia?
Yes, expat insurance policies in Indonesia may contain exclusions or limitations which may affect the extent of coverage provided. It is important to read and understand the details of the policy before purchasing to ensure you are aware of any exclusions or limitations.

10. What should I do if I have a claim on my expat insurance policy in Indonesia?
If you need to make a claim on your expat insurance policy in Indonesia, it is important to follow the specific process outlined by your insurance provider. This may include submitting documentation such as medical records or receipts, and providing any other information required by the insurance company.

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