Indonesia Insurance
Before you leave for Indonesia, have you considered taking out international health insurance?
Want to travel to Indonesia? But you don’t know how much your healthcare costs will be? Here you’ll find everything you need to know about Indonesia’s healthcare system. With Mondassur insurance in Indonesia, you’ll be covered as an expatriate, nomad or traveler, depending on your situation.
Student insurance Indonesia
The insurance that covers your stay for your studies in Indonesia.
Starting from
27€
- Worldwide coverage
- Maximum age: 35
- Covers emergencies and accidents
- Covers hospitalization and routine medical care
- Up to €250,000 per year
- Standard dental and optical expenses up to €550
- Contraception coverage + vaccines
- Maternity care
- Covers pre-existing conditions
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate insurance Indonesia
Health insurance to cover your expatriation to Indonesia.
Starting from
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers hospitalization and routine medical care
- Up to €1,500,000 per year
- Maternity coverage up to €4,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical expenses up to €370
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Travel insurance
Indonesia
Health insurance to cover your trip to Indonesia.
Starting from
30€
- Worldwide coverage
- Maximum age: 85
- Covers emergencies and accidents
- Up to €500,000 per trip
- Covers loss, theft or destruction of luggage
- Repatriation assistance
- Travel assistance
- Civil liability
Any questions? Need advice?
Information about health insurance in Indonesia
Political system: Parliamentary republic
Capital: Jakarta
Surface area: 1,919,440 km²
Population: 264 million
Languages spoken: Indonesian, Javanese, Sundanese, Madurese
Currency: Rupiah
Why take out private international health insurance in Indonesia?
It is essential to take out private international health insurance if you wish to travel to Indonesia, whether for tourism or expatriation.
The country’s medical sector is booming, but far from perfect, and many treatments are not recommended or feasible in the country. What’s more, public health care is out of the question, as medical equipment and materials are not sufficiently developed to offer you sufficient quality of care in certain areas. If you’re looking for medical care in Indonesia, it’s best to go private. However, the cost of private facilities and services is not insignificant, which is why it is essential to take out private health insurance.
Indonesia's healthcare system
Indonesia’s healthcare system is divided into a public and a private sector. However, it has several drawbacks. Firstly, it is very unevenly distributed across Indonesia, with healthcare facilities clustered around the major cities, while people living in remote areas find it much harder to access healthcare. Hospitals, whether public or private (although they are better in the private sector), are not equipped to handle all types of treatment. Wealthier Indonesians and expatriates are being medically repatriated to other countries such as Singapore, Thailand or Vietnam for major operations.
Social protection in Indonesia
If you expatriate to Indonesia to work, you will be affiliated to a contribution system that is quite different from that of Europeans or Americans. Each month, 5% of your salary will be deducted, 3% by your employer and 2% to finance your pension or healthcare. Your account containing your 2% monthly contributions is a BPJS account. The BJPS is still far from being a high-performance healthcare system. However, it has given many of Indonesia’s working poor access to healthcare.
How do I consult a general practitioner or specialist in Indonesia?
In Indonesia, you can only consult local doctors, as they are the only ones authorized to practice in the country. Some foreign doctors continue to work in private clinics, but as international consultants. So you’ll never be treated by an international doctor. What’s more, the best doctors work in both public and private hospitals. We recommend that you visit private hospitals in the evening if you want to be treated by the best GPs who work in the public sector during the day. The cost of a consultation with a general practitioner is around 350,000 rp in a private clinic, or around €22. A consultation with a specialist in a private clinic can cost up to 900,000 rp.
Pharmacies in Indonesia
During your stay in Indonesia, we recommend you visit only large pharmacy chains such as apotik or Kimia Farma. These pharmacies are often found in large cities. Choosing smaller establishments exposes you to the danger of buying counterfeit, out-of-date or poorly preserved medicines.
Dental care in Indonesia
There are many dental practices in Indonesia. Consultation prices are lower than in Europe or North America. Here is an example of a private practice price:
- Dental amalgam: 600,000 / 1,000,000 rp
- Simple tooth extraction: 750,000 / 1,500,000 rp
- Dental cleaning: 1,500,000 rp
- Simple consultation: 150,000 rp
- 3D dental X-ray: Rp 1,250,000
The emergency department in Indonesia
Indonesia has over 18,300 islands, 6,000 of which are uninhabited, and the emergency services are not sufficiently developed to cover the whole country. If you’re planning excursions to remote areas of Indonesia, make sure you have your own means of transport in case of emergency. In France, dial 119 to be put in touch with an ambulance service.
Hospitals in Indonesia
Indonesia currently has over 1,780 private hospitals and more than 1,000 public hospitals. Indonesia has just 5 internationally accredited hospitals:
- BIMC Hospital in Kuta, Bali;
- BIMC Hospital Nusa Dua in Bali;
- Rumah Sakit Prima Medika in Denpasar, Bali;
- Siloam Karawaci Hospital in Tanggerang;
- Eka Hospital in Bandung;
- Santosa Hospital in Bandung;
- Bintaro Premier Hospital and the Jatinegara in Jakarta;
- First Hospital in Jakarta.
There are also some pretty good non-accredited hospitals in Bali and Surabaya. For example, the Siloam Hospital in Surabaya is one of the city’s largest hospitals, with 160 operational beds and a host of modern facilities.
However, the fact that Indonesia only has 5 internationally-accredited hospitals, and only recently, shows that the health sector is still in full development. As an expatriate, it is highly recommended that you visit an Indonesian hospital for primary care only. If you need to be hospitalized for a serious injury or infection, we recommend repatriation to neighboring countries where the health sector is much more developed. Like Singapore, Thailand or Vietnam, or to your home country. What’s more, as a general rule, hospitals will only admit you once your insurance has been validated or they have proof that you can pay. Even in an extreme emergency, they may take the time to check your means of payment.
That’s why, if you’re planning to expatriate to Indonesia, don’t forget to take out international health insurance, which will cover you against extremely high medical repatriation costs and ensure that you’re quickly taken care of.
Paramedical care in Indonesia
In Indonesia, mainly in the big cities, you’ll find physiotherapists, psychologists and other specialists, both local and expatriate. There are also private practices where these specialists come together. The cost of a session with an osteopath is around 750,000 rp, with a physiotherapist 600,000 rp.
Being pregnant in Indonesia, from pregnancy to childbirth
A few years ago, almost no expatriate would have wanted to give birth in a hospital in Indonesia. However, customs have changed and the healthcare sector has developed strongly. Expatriate women now have confidence in the hospitals in the big cities, which are becoming increasingly well-known, and the healthcare staff working there are increasingly qualified. In Indonesia, Caesarean section deliveries are much more common than in Europe, as Asian women are very afraid of the physical repercussions of a vaginal delivery, and according to tradition, Caesarean section allows them to choose the approximate date of delivery and thus avoid certain unlucky dates. Not to mention the fact that a cesarean delivery allows for higher underwriting, scheduling and delivery times that are convenient for doctors. If you’re preparing to give birth in an Indonesian hospital, be sure to specify how you want to give birth in advance, to avoid any nasty surprises on the big day.
Indonesian childbirth customs
At the hospital, you will follow your pregnancy with an obstetrician-gynecologist or a doctor. Midwives will be on hand to support you throughout your pregnancy, offering childbirth preparation sessions quite similar to those in Europe. In some Indonesian hospitals, customs differ from those in the West, so be sure to specify how the umbilical cord is to be cut, as Indonesians do it quickly and it can be dangerous if all the blood has not yet come out of the placenta. A maternity hospital in Indonesia offers three days’ rest after giving birth. During these 3 days of rest, if you don’t want to be separated from your baby, say so firmly, as he or she may be taken to a nursery so that you can rest fully.
The cost of childbirth in Indonesia
The cost of childbirth varies according to the doctor and hospital where you will give birth. To give you an idea, a Caesarean delivery in a public hospital costs around $500 USD, and in an international hospital around $2200 USD. The cost of an ultrasound scan averages 500,000 rp.
Vaccines in Indonesia
Before expatriating to Indonesia, be sure to update your vaccination record, as some viruses circulate more widely than in Europe. Get vaccinated against :
- Hepatitis A;
- Japanese encephalitis;
- Hepatitis B;
- Rabies;
- Typhoid.
What’s more, there’s a year-round risk of contracting malaria in Indonesia’s five eastern provinces:
- Papua;
- West Papua ;
- Moluccas ;
- North Moluccas ;
- East Nusa Tenggara.
There’s almost no risk of contracting the virus in Jakarta and tourist areas like Bali.
Which private international health insurance should I take out, and for whom?
Private health insurance will benefit you whatever your profile, whether you’re an expatriate employee, investor, digital nomad, tourist, student or retiree.
- As an expatriate employee or investor, we strongly recommend that you take out expatriate insurance when you leave for Indonesia. In fact, health insurance for expatriates will enable you to receive treatment in private establishments without breaking the bank. This is essential if you wish to receive quality care and qualified staff. What’s more, you can be easily transferred to more qualified hospitals abroad for treatment at lower cost.
- If you’re going to Indonesia on a tourist trip lasting less than 3 months, it’s highly recommended that you take out travel insurance to cover you for the duration of your stay. You can be cared for quickly and in the most qualified medical facilities. You’ll be able to enjoy your stay as much as possible, despite unforeseen events and health hazards.
- As a retiree who has applied for a Kitas Lansia visa in order to subsequently obtain tax resident or permanent resident status, it is highly advantageous to take out private health insurance. Permanent resident or tax resident status requires you to remain in the country for at least 6 months each year. This insurance will cover you in Indonesia and in your home country at very high rates. What’s more, you can benefit from the best private practitioners in the country without breaking the bank.
- Indonesia is one of the three Asian countries with the largest education system (over 250,000 primary and secondary schools). There are also many international higher education establishments that welcome foreign students every year. If this is the case for you, we strongly recommend that you take out international student insurance to cover your health costs. Also very costly repatriation to neighboring countries or your country of origin if necessary.
- Bali is one of the favorite destinations for digital nomads. If you too are drawn to the island of the gods, you need private health insurance. On the one hand, this insurance has been designed to fit your profile, and on the other, it will cover you at very competitive rates.
Feel free to get a free quote on our website, and contact us by e-mail or telephone if you’d like more information about your specific situation.
