Expatriate health insurance in Indonesia | Mondassur
Are you looking for expatriate insurance in Indonesia? Whether you're already living there or thinking of moving abroad, Mondassur can help!
Indonesia is home to many expatriate communities. We’ve put together some tips to help you prepare for your move to Indonesia. However, medical infrastructures are not always sufficiently developed. What’s more, the cost of private medicine in international establishments can be very high. We therefore recommend that you take out health insurance in Indonesia with Mondassur before you leave.
Our insurance offers for expatriates in Indonesia
Expatriate Insurance Indonesia Gold Nomad Expat
Our policy with good levels of cover, suitable for your expatriation to Indonesia.
From
74€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate insurance Indonesia Gold Expat Access
Economical international health insurance tailored to your expatriation plans.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Free choice of practitioners and hospitals abroad
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Indonesia Gold Expat Safe
Health insurance that provides effective coverage in the event of accident or illness.
From
107€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of common medicine
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Indonesia Gold Expat Premium
Our most comprehensive expatriate health insurance plan in Indonesia.
From
138€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need some advice?
Some figures on health insurance in Indonesia
| Number of public hospitals | 1 614 |
| Number of private hospitals | 996 |
| Number of doctors per 1,000 inhabitants | 0,7 |
These figures highlight the challenges facing the Indonesian healthcare system. Indeed, we see here the relatively low number of doctors per capita, as well as the uneven distribution of public and private hospitals. This underlines the importance of choosing the right health insurance for your needs. Choose Mondassur to guarantee fast, efficient access to the care you need.
How Indonesia's healthcare system works :
Indonesia’s healthcare system is therefore structured around two main types of coverage: public insurance and private insurance. This system aims to provide social coverage for all residents. However, levels of service and accessibility vary considerably according to the options available. Public healthcare is largely government-run, while private healthcare is dominated by private companies. The latter seek to offer better quality services to those who can afford it.
How does social security work?
Public health insurance
Public insurance in Indonesia is administered mainly by the Jaminan Kesehatan Nasional (JKN) program. It aims to provide universal health coverage for the population. The system is managed by the Badan Penyelenggara Jaminan Sosial (BPJS) and supported by the Kartu Indonesia Sehat (KIS) program. The system provides coverage for a variety of medical services. People enrolled in this program can therefore access medical care in public facilities and some private hospitals.
However, the quality of coverage can be uneven. In urban areas, services are generally more accessible and of better quality. Rural areas, on the other hand, have limited resources, resulting in longer treatment times and inferior care. Any Indonesian resident can register with the JKN. However, registration often involves a number of administrative formalities. The costs of this mutual insurance are relatively low. They are often subsidized by the government for low-income groups. However, waiting times can be long, especially in overcrowded public facilities.
Private health insurance
Private insurance in Indonesia offers an attractive alternative for those seeking higher quality healthcare services and shorter treatment times. Private insurers, such as Mondassur, are particularly popular with expatriates and the local middle and upper classes. Indeed, these insurances are not very affordable. These insurances offer more extensive coverage. This includes access to well-equipped private hospitals and clinics, as well as specialized health services. The latter are not always available under public insurance.
Service quality in the private sector is clearly superior. The private sector offers modern infrastructures, doctors who are often trained abroad, and faster access to care. Those who can afford private insurance benefit from more personalized service and better facilities. However, these premiums can be significantly higher, making this option unaffordable for part of the population. Taking out insurance with Mondassur is highly recommended to ensure fast, efficient access to the care you need.
Please note one important point: you are currently on our expatriate insurance page. If you are travelling to or studying in Indonesia, we also offer travel insurance for Indonesia, which is more suitable, as well as insurance for students in Indonesia.
Healthcare facilities in Indonesia
Indonesia has a considerable number of healthcare facilities, both public and private. Public hospitals and clinics are understaffed and under-resourced. This overload can lead to long waiting times for patients. Moreover, the quality of service can sometimes leave much to be desired. By contrast, private facilities offer better quality care and shorter waiting times. As a result, expatriates and wealthy Indonesians are attracted.
Public healthcare facilities are often faced with a shortage of care providers and medical equipment. This has a direct impact on the quality of care. What’s more, the distribution of health centers is uneven. Indeed, there is a higher concentration in urban areas and limited accessibility in rural regions. This disparity encourages some Indonesians to seek medical care abroad. This is the case, for example, for specialized treatments unavailable or of lower quality in Indonesia.
Although fewer in number, private establishments are better equipped and managed. As a result, they offer better quality services and health coverage. Expatriates find that these centers better meet their healthcare expectations. However, the cost of care in private facilities can be prohibitive without good expatriate insurance. Therefore, it’s crucial to take out expatriate insurance to cover the cost of private care. Mondassur works with you to guarantee fast, high-quality care.
Which hospitals offer treatment?
For expatriates in Indonesia, knowing where to seek medical care is crucial to finding good quality facilities. Fortunately, the country is home to several hospitals that meet international standards and offer high-quality care. These establishments are often preferred by expatriates and wealthy Indonesians in the event of hospitalization, for example. This is because they have modern facilities, doctors who are often trained abroad, and fast, efficient services. Here are a few recommended hospitals:
- Rumah Sakit Internasional Bintaro in Jakarta: this hospital offers a full range of medical services with modern equipment and well-trained medical staff.
- Siloam Hospitals Group Siloam Hospitals Group: with several branches across the country, Siloam is renowned for its high-quality care and specialized services.
- International SOS Clinic in Bali International SOS Clinic in Bali: specialized in emergency care and medical services for expatriates and tourists.
- Bali Royal Hospital (BROS) Bali Royal Hospital (BROS): offering advanced medical services and bilingual staff.
- Rumah Sakit Pondok Indah in Jakarta Another leading hospital with modern facilities and an experienced medical team.
By choosing one of these hospitals, you can be sure of receiving care that meets international standards. This is crucial for your peace of mind and well-being. So before moving to Indonesia, make sure you take out expatriate insurance with Mondassur.
Emergency numbers in Indonesia
Knowing the emergency numbers in Indonesia is essential for all expatriates to be able to react quickly in the event of a critical situation. The country has several emergency services accessible via specific numbers:
- Police, fire department, ambulance: 112
- Emergency number for French nationals in Indonesia : +62 811 19 54 31 23
Emergency services in Indonesia can therefore vary in effectiveness from region to region. In urban areas such as Jakarta and Bali, responses tend to be quicker and more efficient. Expatriates should also consider purchasing private expatriate insurance, such as those we offer. These include a medical repatriation and assistance service to guarantee optimum care in the event of an emergency.
Healthcare costs in Indonesia
The cost of healthcare services in Indonesia varies considerably depending on the type of care and the facility chosen.
- For a standard consultation with a GP, prices can range from IDR 200,000 to 500,000 (€12 to €29).
- The requirements are often required to purchase certain medications. In private pharmacies, you can sometimes buy medicines without a prescription. Drug prices can also vary, with generic drugs generally cheaper than international brand names. Expatriates can buy medicines from local pharmacies (apotik) or from large pharmacy chains such as Guardian or Kimia Farma.
- For a hospitalizationThe cost of hospitalization in a private hospital can vary from IDR 1,000,000 to IDR 3,000,000 per day (between €57 and €170), not including additional costs for treatments and procedures.
- The cost of a delivery in a private hospital can range from IDR 15,000,000 to IDR 30,000,000 (between €850 and €1,700), depending on the services chosen.
- Visit dental and optical care are generally more affordable than in Europe or the United States.
So you need comprehensive expatriate insurance. Mondassur offers insurance that covers a wide range of medical services, including hospitalization and specialized care. So you can enjoy Chinese New Year, which is also celebrated in Indonesia, in peace!
Repatriation insurance for Indonesia
Repatriation insurance is therefore essential coverage for any expatriate living in Indonesia. In the event of a serious medical problem, you may be obliged to return to your country of origin or to another country to receive appropriate care. Good repatriation insurance covers not only the cost of medical transport, but also the medical accompaniment required during repatriation.
At Mondassur, we understand the importance of this coverage and offer insurance plans that include medical repatriation. This ensures that, wherever you are in Indonesia, you can benefit from fast, efficient service in the event of a medical emergency. Our policies also cover the cost of return in the event of death. This means your family can manage this difficult situation without worrying about the financial and logistical aspects.
Indonesia: take stock of your vaccinations
If you want to get away from it all, Indonesia is the place for you! Indonesia is a welcoming country, rich in opportunities. But before you leave, make sure your vaccinations are up to date. Certain vaccinations are recommended to ensure your health and safety during your stay. Recommended vaccines for Indonesia include:
- Hepatitis A : recommended because of the risks involved in drinking water and eating food.
- Hepatitis B essential, especially for longer stays, because of the risk of transmission via bodily fluids.
- Typhoid Typhoid: particularly recommended for stays in rural areas.
- Rage Recommended for those who plan to spend a lot of time outdoors, due to the risk of animal bites.
- Japanese encephalitis Japanese encephalitis: crucial for stays in rural areas or during the rainy season.
Always check specific requirements before you leave, and consult your doctor to make sure you’re properly protected. At Mondassur, we can advise and help you prepare for your trip to Indonesia. We’ll also help you find out which vaccinations are necessary and recommended for your safety and well-being.
Choose Mondassur for your expatriate health insurance Indonesia!
Why take out expatriate insurance?
Buying expat insurance in Indonesia is essential to guaranteeing your peace of mind and medical security. Expatriates face unique healthcare challenges. These include differences in healthcare systems, tropical diseases and language barriers. Expatriate insurance provides comprehensive coverage, giving you access to the best care without financial worries.. By insuring with Mondassur, you can benefit from expatriate insurance at the 1st euro.
In Indonesia, medical costs can quickly mount up, especially in quality private establishments. What’s more, some illnesses and medical emergencies require repatriation. When you choose Mondassur, you benefit from worldwide coverage, including consultations, hospitalization, dental care and much more. Make sure you’re protected in all circumstances.
Quick and easy subscription
Mondassur makes buying expatriate insurance in Indonesia quick and easy. You can obtain coverage in just a few clicks, directly from our website. We offer free personalized quotes, allowing you to compare different options and choose the one that best suits your needs and budget. Our team of brokers is available to guide you every step of the way. We’ll answer all your questions and help you understand the terms of your insurance policy.
With Mondassur, it’s never been easier to protect your health and that of your loved ones during your expatriation to Indonesia. You can also manage your account online, access your insurance documents and track your reimbursements with ease.
A wide choice of warranties
At Mondassur, we understand that every expatriate has specific health needs. That’s why we offer a wide choice of coverages to suit different situations and budgets. Our health insurance plans for expatriates in South East Asia, particularly in Indonesia, cover a wide range of services. This includes medical consultations, hospitalization, dental and optical care, and medication. We also offer additional options such as provident cover, third-party liability and wellness.
Our insurance plans are designed for maximum flexibility. So you can choose the cover that best suits your needs. With Mondassur, you can be sure that you’ll have access to the best care available, wherever you are in Indonesia.
