Thinking about moving to Indonesia? Want to know about how to have good health coverage in the country? Here you can find out everything you need to ensure your safety in case of emergencies! Keep reading!

There are several things you need to do before moving to another country – have a stay to settle down, look for jobs, understand the bureaucracies, buy your tickets, go after learning the new language…

But one task that sometimes people don’t remember or don’t know they need is to secure their health insurance. 

With breathtaking views, you will be able to enjoy breathtaking landscapes from one end of Indonesia to the other! With incredible rice fields, volcanoes, temples, turquoise seas, dense jungles and mountainous views, the country promises amazing moments that you can have.

But in addition to talking about your international health insurance options as an expatriate in Indonesia, let’s first talk a little bit about how Indonesia’s health system is structured, what is the difference between travel insurance and expat insurance, which is the coverage you will need, and more. 

(And be sure to read to the end of the article to learn more about the different types of visas you can use to start living, studying or working in South Asia!)

 

 

How does the health system work in Indonesia?

Indonesia’s public health system is undergoing significant changes. Although it is still in a not very favorable position compared to other countries, Indonesia’s facilities are gradually improving. In addition, the government is committed to improving its investment in health services.

 

For the most part, public health facilities in Indonesia are modest. Big cities like Jakarta have good public hospitals, but rural clinics have very limited resources. In addition, most public facilities need investment in modern equipment, laboratory services and staffing resources.

Private facilities, in contrast, are clean, well-organized, and up-to-date. A much higher percentage of staff speak English compared to public centers. Also, waiting times are much shorter and there is a good range of specialists available. Patients can expect to receive care in a comfortable and private environment.

 

Do expats need to have health insurance in Indonesia?

Simply put: yes! Health care in Indonesia is mandatory for expatriates to have a resident visa or work permit.

So, it’s essential that you insure yourself with one of the coverages I’ve selected from the list below 🙂

But in addition to being mandatory, an international health plan gives you more peace of mind. Especially being in a new country, different from your own, with laws, structures and a language you may not know, and unpredictable healthcare costs.

So, by securing international health insurance coverage you will be assured that you are covered in any emergency or unexpected situation. In addition, there are several other benefits that you can get with an international plan (as I will say in the next question).

As an immigrant in Indonesia, should you get an international health plan like the ones recommended in the list below? Or should you get a national plan?

So, this is a choice that will depend on you, as only you know your specific medical needs, the specific coverage you will need in your insurance, from the duration of your stay in Indonesia to the options available from national plans.

 

An international health insurance plan must meet your in-country coverage requirements. If you choose to get an international plan, be sure to check with Turkish government embassies to find out if there is and what is the minimum insurance coverage required.

I’ve never lived in Indonesia so I don’t know enough about the national plans that might be available and so I can’t say much about them.

With that in mind, below are some of the reasons you might want to choose an international health insurance plan over public coverage:

• Compared to the costs you may incur, international health insurance may have cheaper monthly fees;
• International health insurance may be easier to use if your stay is short in Indonesia, as you can choose exactly how long you want your plan to be;
• International health insurance has greater flexibility as you can cancel or extend it at any time;
• International health insurance provides coverage in other countries, not just Indonesia (hence “international” health insurance).

Who do these international health insurance policies cover?

The health insurance companies I have listed below are for the following citizens living in Indonesia as expatriates, immigrants, workers, or even students: 

• Americans
• Canadians
• Australians
• Brazilians
• Citizens of the European Union (Portuguese, French, German, Dutch, Spanish, Polish, Belgian, Swedish) 
• Argentines
• British (English, Scottish, Welsh, Irish) 
• New Zealanders 
• And for citizens of almost any other country 

 

In addition to expatriates/immigrants residing in Indonesia, these companies also operate for residents living in: 

• the United States;
• Canada; 
• Europe (European Union and United Kingdom); 
• Australia;
• And for expats living in almost any other country in the world. 

Overall, as they are plans and international companies, they can be used by virtually anyone anywhere, since they have worldwide coverage! 

 

Why can’t I get travel insurance when I move to Indonesia? What is the difference between travel insurance and expat insurance? 

Travel insurance is important and necessary for any trip, as it will not only cover problems you may experience in case of emergencies and unexpected medical problems, but also for problems with travel, such as lost baggage or flight cancellation. 

It is important to know that travel insurance is not ideal for immigrants. Although it is possible to have travel insurance for longer periods, it is only for travelers with temporary stays in a country. Travel insurance covers are not valid for someone who will stay in another country for the long term. 

In addition, travel insurance will not meet your health insurance coverage required by law to live in Indonesia.

So, you’ll really want to choose an insurance plan that specifically covers expats. And that is exactly what I will help you with the list below. 

 

What are the 7 best health insurance for expatriates and immigrants in Indonesia?

I know it’s stressful to find the right insurance plan. With that in mind, take a look at the company comparison table I recommend below. So you can quickly see what are the pros and cons of each company and make the best choice for you!

After the table, I will make a longer description of each of the companies, their plans, main benefits and more!

So the biggest advice I can give is to quickly quote each of the companies on this list before making your decision. It may take a while, but at the end of the day, you can save a lot of money!

 

	Get a Quote	Get a Quote	Get a Quote	Get a Quote	Get a Quote	Get a Quote	Get a Quote
BENEFIT	LIMIT	LIMIT	LIMIT	LIMIT	LIMIT	LIMIT	LIMIT
Benefit Information
Medical Maximum	Unlimited (for the Platinum plan)	$8,000,000	The site doesn’t specify	Unlimited	US$1,000,000 per year	The site doesn’t specify	$1,000,000
U.S. In-Network Coinsurance	You choose. From 70%(100% thereafter) to 100%	100%	No	60% for maximum coinsurance and then 100%	Yes, for higher fees	Only in emergencies	Yes
U.S. Out-of-Network Coinsurance	You choose. From 70%(100% thereafter) to 100%	90% to $5,000 (100% thereafter)	Yes, for higher fees	100%	100%	100%	100%
Mental Health Availability	No waiting period	12-month waiting period	Co-payment of $25 per visit, waived deductible	75% up to 40 visits / 60% after that	No	Waiting period of 10 months	Depends on the plan
Mental Health Benefit	Inpatient and Outpatient: $5,000 lifetime maximum to paid in full depending on the plan	Inpatient and Outpatient: $50,000 lifetime maximum	Co-payment of $250 after deductible	100% up to 60 days		International and ambulance: limit not specified
Inpatient Prescription Drugs	$500 to paid in full depending on the plan	Up to $8,000,000	Yes		Complete reimbursement	Yes	Yes
Outpatient Prescription Drugs	None, unless you buy the International Outpatient Option	Up to $8,000,000			Complete reimbursement	Yes	Yes
Evacuation and Repatriation of Remains	Paid in full	Up to $8,000,000	Yes	Up to $25,000	No	Up to 10,000 euros	Yes
Accidental Death & Dismemberment	Depends on the plan	Rider available, limit depends on age.		$50,000			Depends on the plan
Emergency Dental	Paid in full	Up to $8,000,000	Optional	1,000 per year, $ 200 per tooth	Yes, however you need to pay an extra fee on top of your plan	Depending on the plan, it’s unlimited	It has coverage in the Diplomat Long Term and Diplomat International plans
Treatment Necessary as Result of Terrorism	Up to the amount of the coverage	Rider available up to $50,000-lifetime maximum			Clause available up to maximum of $50,000 in lifetime payments
Amateur Sports	Unlimited	Rider available up to $10,000	No	Yes	No	No	No
Newborn Care
Routine Nursery Care of a Newborn Child of a Covered Pregnancy	$25,000 to $156,000 depending on the plan	$1,000 additional deductible, $50,000 lifetime maximum, $200 wellness benefit for first 12 months	Yes		Depends on the plan	Can be unlimited depending on the plan	Can be unlimited depending on the plan
Children born as a result of fertility treatment (such as IVF or surrogacy)	Only after the baby is 90 days old	Excluded	Depends on the plan		Excluded	No
Neonatal Intensive Care Unit	Check website for updated information	$250,000 maximum for first 31 days	No		Up to $250,000 for the first 31 days	No
Pre-existing Conditions
Pre-existing condition exclusion period	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness	Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness
Pre-existing condition look back period	Any time prior to effective date	Any time prior to effective date	Any time prior to effective date	Any time prior to effective date	Any time prior to the effective date	Any time prior to the effective date	Any time prior to the effective date
Pre-existing annual maximum once covered	Unlimited depending on the plan	Up to $8,000,000	Unlimited depending on the plan	Unlimited depending on the plan	Full reimbursement	Unlimited depending on the plan	Unlimited depending on the plan
Pre-existing lifetime maximum once covered	Unlimited depending on the plan	Up to $8,000,000	Unlimited depending on the plan	Unlimited depending on the plan	Full reimbursement	Unlimited depending on the plan	Unlimited depending on the plan

Attention: This article and table are made for informational purposes as the information contained here is subject to changes and updates.

In my opinion, the best international health insurance companies for expats are:

1. Cigna 
2. IMG
3. Now Health
4. Aetna
5. Global Underwriters
6. SafetyWing
7. Foyer Global Health 

 

   1. Cigna

 First, Cigna. It is a company founded in the United States but has a large role in Europe. It’s a great choice when it comes to international health insurance. 

With more than 60 years in this area in the market, Cigna has great recognition because of its insurance and worldwide they have more than 170 million customers. My partner, Nikki, actually purchased a health plan from Cigna to fulfill the validation requirements of her residence card in Sweden. 

Cigna is a company with high diversity of plans for you to choose, including specific plans for expatriates (and that work great if you are moving to Indonesia! ), in addition to individual and family plans).

There are individual or family plans for you who are moving to Indonesia. One advantage of Cigna’s plans is that you have the possibility to add benefits to your plan according to your specific needs and the type of medical care you need to cover. 

You can choose between the Silver, Platinum or Gold plan, which has coverage in more than 200 countries and territories around the world. 

If you are looking for a cheaper insurance plan for Indonesia, a great option is the Cigna Close Care plan. This plan is particularly the most affordable that Cigna has, because the coverage is only for its country of origin and the country where it intends to reside (Indonesia in this case). 

 

Advantages of an international health insurance plan with Cigna:

• Service available 24 hours, every day of the week
• Flexibility to change plans tailored to your needs
• Has coverage for COVID-19 and PCR testing
• You do not need to register to make a quote
• It has a digital system to find hospitals and clinics with care close to your location
• Cigna, for the most part, pays healthcare providers directly, without the need for a refund system

 

Disadvantages of an international health insurance plan with Cigna:

• Some plans do not cover motherhood

 

 

 

 

   2. IMG

Another company with great recognition in the area of international insurance is IMG. It has over 25 years of experience and 3 subsidiaries around the world.

IMG has several types of plans for your choice, both for individual profiles or entire families. They also have a variety of plans specific to types of travelers, such as expats. You will see that they have the possibility of plans with long stays of 1 year or more, but also short-term travel plans.

Their website is intuitive and easy to navigate, with filters for dates, plan duration, destination and more that make your search easier. In addition to these filters, you can add your personal details like age and specific needs for the best coverage. 

Thus, IMG will provide a detailed quotation that allows a comparison of plan and coverage options for you to have freedom and choose what is best. 

Only pay attention to the details of each plan, as some do not have coverage for all age groups and not all of your plans cover the needs of Covid-19. 

 

Advantages of an international health insurance plan with IMG:

• You have the choice of Portuguese on the site
• Customer service 24 hours, 7 days a week
• Flexibility in profiles and plans 
• Availability of more than 17,000 clinicians to support

 

Disadvantages of an international health insurance plan with IMG:

• Not covered by COVID-19 depending on plan
• No coverage for 75+ year olds

 

 

 

  3. Now Health International

As indicated by its name, Now Health International is dedicated to providing an efficient, cost-effective, and easily accessible service. The company places a strong focus on building and nurturing customer relationships. They prioritize delivering clear and concise plan information and promptly addressing any questions or concerns through their dedicated customer support team.

Now Health plans are specifically designed to meet the unique challenges faced by individuals living abroad. They aim to provide guidance and facilitate access to high-quality healthcare services worldwide.

 

Advantages of an international health insurance plan with Now Health:

• Customized plans according to your needs
• Clear information and excellent customer service team
• Provides coverage in 194 countries and territories
• Plans with high coverage routine maternity coverage

 

Disadvantages of an international health insurance plan with Now Health:

• You must wait a 12-month grace period to use maternity coverage.
• In some procedures, it is necessary to use the company’s reimbursement system, which means that you would have to pay for your care initially

 

 

 

   4. Aetna (acquired by Allianz)

Aetna is a leader and award winner in the area of international insurance. If you’re in search of safety and credibility in your choice of insurance provider before your move to Japão, Aetna is a good company to consider.

Although they don’t have a large variety of plans on offer, the ones they do have give you the flexibility to adjust and add on complementary coverage (like dental care). Depending on the policy, some include coverage of up to 5 million USD.

You can choose from family or individual plans, as well as include coverage for repatriation and medical evacuations.

As an expat, I can recommend the Aetna Pioneer plan. This plan has basic coverage of up to 1.75 million USD. Just fill out the short form on their website to get an exact quote and detailed information about all of the available policies.

 

Pros of an international health insurance plan with Aetna: 

• Maternity care is covered
• Aetna has a mobile app to help you easily find nearby medical services and providers
• Short-, mid-, and long-term plans to choose from
• Customer services available 24 hours a day, 7 days a week
• Pre-trip assistance available to help answer your questions on things like vaccines and accessing regularly-used medications while traveling

 

Cons of an international health insurance plan with Aetna: 

• Few plans to choose from
• Cost of plans above the average of the other companies on this list

 

 

 

   5. SafetyWing  

SafetyWing is a popular and well-known company particularly for insurance for digital nomads, given that they have insurance plans specifically for remote workers and companies, expats, and digital nomads.

One of the advantages of SafetyWing is that its policies are a little more accessible and easier to understand than the other options on the market. SafetyWing also covers children aged 2-10 for free if their caretakers have a plan with them.

 

Each plan has a specific price that depends on your age. The cheapest SafetyWing plan doesn’t cover pre-existing conditions, but it does have coverage of up to 250,000 USD. Though you do have the freedom to add additional pre-existing condition coverage separately if you need to.

What I like most about SafetyWing is that they offer 30 days of coverage for free in your home country for every 90 days that you use it overseas, like in Japão or the EAU in general.

 

Pros of an international health insurance plan with SafetyWing: 

• Modern, intuitive website that makes it easy to find policy info
• Customer services available 24 hours a day every day of the week
• 30 days of coverage given for free in your home country for every 90 days of coverage overseas
• They cover Covid-19 and treatments recommended by specialists

 

Cons of an international health insurance plan with SafetyWing: 

• Plans aren’t quite as complete and tend to have lower coverage overall than some of the other options on this list
• The prices shown on the website don’t include taxes and fees

 

 

 

   6. Global Underwriters  

Global Underwriters is another well-known and very popular company when we talk about insurance. They have policies that serve immigrants, students, digital nomads, and expats with will be beginning a new life elsewhere in the world.

For anyone who is moving to Japão, I recommend the Diplomat long Term or the Diplomat International Plan. Both have very complete medical coverage that in general includes all that an expat may need in their new home.

 

Pros of an international health insurance plan with Global Underwriters: 

• Up to 1 million USD in medical coverage is included in the plans cited above, plus 1 million USD in coverage for cases of accidental death or dismemberment
• Client support available 24 hours a day each day of the week
• The plans I mentioned include emergency dental coverage, medical evacuation, and repatriation of mortal remains

 

Cons of an international health insurance plan with Global Underwriters: 

• The Diplomat Long Term plan doesn’t protect travelers in Iran, Afghanistan, or Cuba
• The Diplomat International plan doesn’t have Covid-19 coverage
• Global Underwriters doesn’t work with residents of Australia, Iran, South Dakota, Maryland, or New York

 

 

 

   7. Foyer Global Health  

Foyer Global Health is renowned for its international health insurance plans for travelers, expats, digital nomads, and immigrants.

They are a company with many, many plans to choose from (probably more than any other company you’ll find out there), as well as being a trustworthy organization (they are part of the larger European Foyer Group).

 

Pros of an international health insurance plan with Foyer Global Health: 

• All plans include coverage for dental surgeries, appointments, and treatments
• Customer service available online by email or by phone 24/7
• Includes pre-trip preparation support on vaccinations and in preparing a first aid kit
• Coverage available for evacuation and repatriation

 

Cons of an international health insurance plan with Foyer Global Health: 

• The limits of their plans aren’t very clear

 

 

 

Bonus

 

   – GeoBlue

GeoBlue has spent 20 years providing insurance plans with international health coverage.

But GeoBlue only allows their plans to be purchased by citizens and residents of the United States. So if you aren’t an American citizen or green card holder moving to Japão, you can skip this option.

GeoBlue has health plans for all types of travelers, including immigrants. Their Xplorer Essential plan is the one I most often recommend since it’s made for long stays overseas and has unlimited coverage.

But if you’re looking for a shorter plan, take a look at GeoBlue’s Voyager option. Just fill out the form on their website or reach out to an insurance broker to get a quote and more detailed information about their plans.

 

Pros of an international health insurance plan with GeoBlue: 

• They have an app with resources like telehealth
• 24/7 customer services
• All of their plans include unlimited coverage

 

Cons of an international health insurance plan with GeoBlue: 

• Their plans are only available for residents of the United States or American citizens
• Not a lot of flexibility in their plans
• You need to fill out a form or contact an insurance broker to get more information and an exact budget for their plans

 

 

 

Types of Indonesian Visas

The types of visa most used by people who want to live in Indonesia are:

 

Limited stay permit

Expats intending to stay in Indonesia for longer than covered by a tourist visa will need to obtain a Limited Stay Permit, also called an ITAS (Izin Tinggal Terbatas). O
ITAS is valid for six to 12 months for foreigners employed in
Indonesia. An ITAS can be renewed for the same period it was initially granted. This can be done a total of up to four times.

 

Limited stay permits are granted to:

Foreigners entering Indonesian territory on a limited stay visa or foreigners receiving a change of status from a Visiting Permit to Stay, which includes:

• Foreigners in the scope of investment;
• I work like an expert;
• Performance of duties as clerics;
• Participate in education and training;
• Conduct scientific research;
• Join the husband or wife who holds a limited stay permit;
• Join the father and/or mother of children of foreign nationality who have a family
• relationship with the father and/or mother of Indonesian citizens;
• Accompany father and/or mother holders of limited stay authorization or permanent stay authorization for children under 18 (eighteen) years of age and unmarried;
• Foreign nationals who are former Indonesian citizens;
• Foreign elderly tourists.
• Children whose father and/or mother have a limited stay permit at the time of birth in Indonesian Territory;
• Master, ship crew or foreign experts on ships, floating equipment or installations operating in Indonesian territorial waters and jurisdiction in accordance with the provisions of laws and regulations;
• Foreigners legally married to Indonesian citizens; or
• Children of foreigners legally married to Indonesian citizens.
• Limited stay permits can also be granted to foreigners to do short-term work.

 

Permanent residence permit

After an expatriate has been in Indonesia for five years on a limited stay permit, they are eligible to apply for a permanent stay permit, also known as KITAP (Kartu Izin Tinggal Tetap). If expatriates are married to an Indonesian citizen, they can apply for KITAP after just two years.

Only the following people are eligible for a KITAP:

1. Foreigners who are married to an Indonesian

2. An Indonesian company may have foreign investors, directors or commissioners (PT PMA)

3. Retirees from other countries who want to live in Indonesia

4. Citizenship is being regained by Indonesians.

 

The following are the required documents for KITAP:

1. Obtaining a passport (active for at least 18 months).
2. KITS.
3. a note from the sponsor
4. Your sponsor’s Indonesian ID (KTP).
5. The main number for tax obligations is (NPWP).
6. In your statement letter you said you had no plans to work in Indonesia (for retirees).
7. Work permit (IMTA) and legal paperwork from the sponsoring company (for foreign investors).

The application procedure takes about three months.

 

In short…

Here are the 7 best health insurance companies for expats and immigrants moving to Indonesia:

1. Cigna
2. IMG
3. Now Health
4. Aetna (Allianz)
5. SafetyWing
6. Global Underwriters
7. Foyer Global Health

 

Finally…

Starting a life in the land of dreams can be a complicated decision…I hope that with this article you will clear many of your doubts and make this process easier! If you still have any questions about getting health insurance for your move to Indonesia (or moving abroad in general), let me know in the comments area below and I’ll get back to you!

 

Planning your next trip?