Indonesia Insurance
Health insurance in Indonesia is essential if you're planning to settle here, or even if you want to travel to Indonesia!
Indonesia, a tropical archipelago with a thousand faces, is a captivating destination that promises an unforgettable experience for students, expatriates and vacationers alike. With its heavenly beaches, majestic volcanoes and exceptional biodiversity, Indonesia is a true paradise on Earth. Want to travel to Indonesia? But you’re not sure how much your healthcare costs will be? Here you’ll find everything you need to know about the healthcare system in Indonesia. With Mondassur, you’ll be covered whether you’re an expatriate, nomad or traveler!
Student insurance Indonesia
The insurance that covers your stay for your studies in Indonesia.
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.
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 costs 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.
From
30€
- Worldwide coverage
- Maximum age: 85
- Covers emergencies and accidents
- Up to €500,000 per trip
- Covers loss, theft or destruction of baggage
- Repatriation assistance
- Travel assistance
- Civil liability
Any questions? Need some advice?
Information about health insurance in Indonesia
Political system: Parliamentary Republic
Capital: Jakarta
Surface area: 1,919,440 km²
Population: 275 million
Languages spoken: Indonesian, Javanese, Sundanese, Madurese
Currency: Rupiah
Why take out private international health insurance in Indonesia?
The country’s medical sector is booming, but far from perfect. Many medical services are not available in the country. What’s more, public health care should be avoided, as the medical equipment and materials do not offer sufficient quality of care in certain areas. If you’re looking for medical care in Indonesia, it’s best to go private. However, private facilities and services are not inexpensive, which is why you need to take out health insurance in Indonesia.
Indonesia's healthcare system
The Indonesian government divides the healthcare system into a public and a private sector. However, this system has several drawbacks. Firstly, the healthcare system is very unevenly distributed across the country. Health establishments are clustered around the major cities, while people living in remote areas find it much harder to access healthcare. Hospitals, whether public or private (although better in the private sector), are not equipped to handle all types of treatment. Wealthier Indonesians and expatriates organize their medical repatriation to other countries. They are therefore likely to go to countries such as Singapore, Thailand or Vietnam to undergo major operations.
Social protection in Indonesia
If you expatriate to Indonesia to work, the government affiliates you to a contribution system quite different from those of Europeans or Americans. Each month, the system deducts 5% from your salary, of which 3% is paid by your employer and 2% to finance your pension or health care. Your account containing your contributions of 2% per month is therefore a BPJS account. The BPJS is an Indonesian institution that manages the social security system for the country’s citizens (it’s a mixture of Social Security and CNAM). However, it has enabled many Indonesian workers who do not have the means to access health care.
How do I consult a general practitioner or specialist in Indonesia?
In Indonesia, you can only consult local doctors, as only the local authorities authorize them to practice in the country. Some foreign doctors, however, continue to work in private clinics, but as international consultants. So, an international doctor will never take care of you. The best doctors work in both public and private hospitals. We therefore recommend that you go to private hospitals in the evening if you want the best GPs to take care of you. The cost of a consultation with a GP is therefore around RP 350,000 (approx. €20) in a private clinic. A consultation with a specialist in a private hospital can cost up to 900,000 RP (around €50).
Pharmacies in Indonesia
During your stay in Indonesia, we recommend that you only visit large pharmacy chains such as apotik or Kimia Farma. These pharmacies are often found in major 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. In addition, consultation prices are lower than in Europe or North America. Here’s an example of a private practice price:
- Dental amalgam: between 600,000 and 1,000,000 RP (between €34 and €56)
- Simple tooth extraction: between RP 750,000 and RP 1,500,000 (between €42 and €85)
- Dental cleaning: approx. 1,500,000 RP (approx. €85)
- Single consultation: approx. 150,000 RP (approx. €8.50)
- 3D dental X-ray: approx. RP 1,250,000 (approx. €70)
The emergency department in Indonesia
Indonesia has over 18,300 islands, 6,000 of which are uninhabited. Moreover, emergency services are not sufficiently developed to care for patients throughout the country. If you’re planning excursions to remote areas of Indonesia, make sure you have your own means of transport in case of emergency. Within the country, dial 119 to reach an ambulance service. If you need to contact the police, dial 110, and if you need to contact the fire department, dial 113.
Hospitals in Indonesia
Indonesia currently has over 1,780 private hospitals and over 1,000 public hospitals. Indonesia also boasts a number of internationally renowned 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 in Jakarta;
- First Hospital in Jakarta.
Some people consider some non-accredited hospitals in Bali and Surabaya to be quite good. For example, the Siloam Hospital in Surabaya is one of the city’s largest hospitals, with 160 operational beds and many 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, we therefore strongly recommend that you visit an Indonesian hospital for primary care only. If you need to be hospitalized for a serious injury or infection, we recommend that you be repatriated to neighboring countries where the healthcare sector is much more developed. For example, Singapore, Thailand or Vietnam, or to your home country. What’s more, hospitals will only admit you if your insurance has been validated, or if 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 repatriation insurance, which will enable you to receive prompt treatment.
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 are grouped together. The cost of a session with an osteopath is around 750,000 RP (approx. €42), with a physiotherapist 600,000 RP (approx. €34).
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, the standard of care has changed, and the healthcare sector has developed considerably. Nowadays, expatriate women have confidence in the hospitals in the big cities, which are becoming increasingly well-known, and the healthcare staff who work there are more and more qualified. In Indonesia, women are much more likely to opt for Caesarean sections than in Europe.
Indeed, they are very afraid of the physical repercussions of a vaginal delivery. According to tradition, a Caesarean section allows you to choose the date of delivery, thus avoiding certain unlucky dates. Not to mention the fact that a caesarean delivery means higher fees, and that the dates and times of delivery are convenient for the doctors. So 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. For this reason, be sure to specify that staff must cut the umbilical cord safely. Indonesians do this quickly, and it can be dangerous if all the blood is not yet out of the placenta. A maternity hospital in Indonesia offers three days’ rest after giving birth. During these 3 days of rest, if you want to stay with your baby, say so firmly. Indeed, the staff may take your baby 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 the hospital in which you will give birth. To give you an idea, a Caesarean delivery costs around 8,000,000 RP (around €450) in a public hospital and around 355,000,000 RP (around €20,000) in an international hospital. An ultrasound scan costs an average of RP 500,000 (approx. €28).
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.
- We strongly recommend that expatriate employees and investors take out expatriate insurance when moving to Indonesia. Indeed, an health insurance for expatriates will give you access to the services of private establishments without breaking the bank. This is essential if you wish to receive quality care from qualified staff. What’s more, you’ll be able to easily arrange your transfer to more qualified hospitals abroad for treatment, at the lowest possible cost.
- If you’re going to Indonesia for a tourist trip lasting less than 3 months, we strongly recommend that you take out travel insurance. which will cover the duration of your stay. You’ll be able to receive prompt care in the most qualified medical establishments. You’ll be able to enjoy your stay as much as possible, despite unforeseen events and health hazards.
- 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 applies to you, we strongly recommend that you take out a international student insurance which will cover your health expenses. It will also cover the cost of very expensive repatriation to neighboring countries or your country of origin, if necessary.
Insurance for retirees & nomads in Indonesia!
We strongly advise retirees applying for a Kitas Lansia visa to obtain tax resident or permanent resident status to take out private health insurance. Permanent or tax resident status requires that you stay 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’ll be able to benefit from the best private practitioners in the country without breaking the bank.
Bali is one of the favorite destinations of digital nomads. If you, too, are drawn to the island of the gods, you need a .
On the one hand, this insurance adapts to your profile, and on the other, it will cover you at very competitive rates.
Finally, when you’re in Indonesia, you’ll also have the opportunity to discover other countries on the continent. Take the opportunity to discover the must-see places in Asia!
