Do I need Health Insurance When Moving to Indonesia?

Indonesia, like many countries, requires expats and digital nomads to have health insurance that meets specific criteria if they plan to stay for an extended period. To qualify for a residence permit (KITAS), you must have health insurance that covers medical expenses, medical evacuation, and repatriation. The minimum coverage amount should be at least USD 25,000. Your insurance policy should be valid for the entire duration of your intended stay in Indonesia.

Does Expat Health Insurance Meet the Requirements?

Yes, most expat health insurance plans meet Indonesia's requirements as long as they include medical expense coverage, medical evacuation, and repatriation benefits. Ensure your policy covers the minimum amount required (USD 25,000) and is valid for your entire stay. Always double-check with your insurance provider to confirm that their policy meets Indonesia's visa requirements.

Which Local Health Insurers Offer This Type of Insurance?

Several local health insurers in Indonesia provide plans that meet the requirements for expats and digital nomads. Some of the prominent local insurers include Allianz Life Indonesia, AXA Mandiri, and Prudential Indonesia. These companies offer various health insurance plans tailored for foreigners, with coverage amounts and benefits that comply with immigration regulations. Be sure to compare different plans and providers to find the best fit for your needs.

Advice from Expats in Indonesia about Health Insurance

Expats in Indonesia advise newcomers to carefully consider their health insurance options before arriving. Ensure that your chosen policy covers pre-existing conditions, if applicable, and provides adequate coverage for your personal health needs. Additionally, consider selecting an insurance plan that offers direct billing with hospitals to avoid out-of-pocket expenses. Lastly, be aware that some areas in Indonesia may have limited healthcare facilities, so it's essential to choose a plan with comprehensive medical evacuation coverage.

Expats Talk about Health Insurance in Indonesia

"My kids and I all had dengue fever at the same time and were taken very well care of at BIMC, Nusa Dua. I am so pleased we had health insurance because the hospital bill would have cost us a hefty US $2100," said one expat who moved to Bali, Indonesia.