Living the Dream: A Guide to Expat Health Insurance in Indonesia

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by Quinn Miller | Employee Benefits Asia

Note: for expat health insurance in Cambodia, we focus on “best value” providers, not the cheapest ones

Your Essential Guide to Expat Health Insurance in Indonesia

Welcome to Indonesia, where the landscapes mesmerize, cultures dazzle, and the city life vibrates with energy. Whether you’re here to catch the perfect wave in Bali, explore the rich history of Yogyakarta, or navigate the dynamic streets of Jakarta, one essential item for every expat should be comprehensive expat health insurance in Indonesia. Here’s a fun, engaging guide to making sure your health is as secure as your adventure here is exhilarating.

The Benefits: Expat Health Insurance in Indonesia

When choosing expat health insurance in Cambodia, your premium will depend on several factors like age, number of people, provider quality & which benefits you select.

Benefits are grouped into 6 categories:

Inpatient

• Room & Board
• Surgeries
• Hospitalization Expenses
• Cancer
• Emergency Outpatient
• & many others

Outpatient

• GP & Specialists
• Tests
• Treatments
• Physio & Chiro
• Mental Wellness
• Medication

Wellness

• Annual Health Checks
• Child wellness
• Male/Female Exams
• Early Detection
• Preventative Tests

Dental

• Check-ups & Cleaning
• Crowns, Inlays & Onlays
• Root Canals
• Major Dental Surgery

Maternity

• Pre-natal Visits
• Routine Delivery
• Required C-sections
• Complications
• Newborn Care

Evacuation

• Medical Evacuation
• Repatriation
• Mortal Remains

The Indonesian Expat Health Insurance Landscape

Indonesia, with its vast archipelago, offers a healthcare system split between public and private sectors. The government’s Jaminan Kesehatan Nasional (JKN), or BPJS Kesehatan, provides basic health services, but its quality can vary as widely.

Public healthcare might not always meet international standards, particularly in rural areas, known for long waits and basic facilities. However, for expats, this is where expat health insurance in Indonesia becomes your golden ticket:

Quality Care: Private health insurance in Indonesia connects you with facilities where standards can rival those back home. Hospitals like Siloam, BIMC, and Pondok Indah are go-to spots for expats, offering English-speaking staff, modern technology, and swift service.
Comprehensive Coverage: With the right expat health insurance in Indonesia, your policy can cover everything from routine health checks to emergency evacuations. This is crucial across Indonesia’s spread-out geography, ensuring you have access to specialist care when needed, even if it means evacuation to places like Singapore or Malaysia.

Health Insurance vs. Travel Insurance

Sounds simple, but if you’re an expat in Indonesia, get expat health, not travel insurance.

Watch our video on this topic below:

Choosing Your Expat Health Insurance in Indonesia

Selecting your expat health insurance in Indonesia is like choosing your favorite dish at an Indonesian culinary feast. Here’s what to consider:

International vs. Local: Think of international plans as the sambal of expat health insurance – they spice up your coverage with global reach. Perfect for globe-trotters or those planning to return home occasionally. Local plans, on the other hand, are like a comforting plate of nasi goreng, tailored for staying within Indonesia’s borders.
Coverage Scope: Do you need the full buffet or just the appetizers? Some policies with expat health insurance in Indonesia cover everything from dental to maternity care, while others might focus solely on inpatient treatment. Tailor your choice to your lifestyle and health needs.
Cost vs. Benefits: It’s about balancing between a street food adventure and a fine dining experience. Premiums for expat health insurance in Indonesia can vary, but you’re investing in more than just medical bills; you’re buying peace of mind.

Why Expat Health Insurance in Indonesia is
Non-Negotiable

Picture this: you’re living your best life, perhaps enjoying a serene moment at a Bali beach when suddenly, you need medical attention. Without expat health insurance in Indonesia, you might dip into your savings unexpectedly. Here’s why insurance is your safety net:

Emergency Evacuation: Indonesia’s geography means not every island has the medical facilities for all emergencies. Your expat health insurance in Indonesia could fund that lifesaving helicopter ride to where specialists are available.
Language and Comfort: Dealing with healthcare in a foreign language can feel like deciphering an all-Indonesian menu. With expat health insurance in Indonesia, you often get access to English-speaking doctors, making your health journey smoother.
Cost Control: Healthcare costs can be unpredictable, but with expat health insurance in Indonesia, you can manage your expenses better, avoiding unexpected financial shocks.

and give them the information required, so we can only put forth the providers and plans that best meet your unique circumstances, preferences & budget.

Pre-Existing Conditions

Pre-existing conditions can be considered for coverage IF they are declared and accepted by the provider during the application phase.

Any price you see from us, another broker or a provider is their standard rates for a healthy person of the age group for the plan selected. If you have any pre-existing conditions, we recomend Full Medical Underwriting (FMU) to see if they can be covered or not, so you know that before you take out a policy.

After you declare any conditions to the insurer, your application goes through the underwriting process to assess your risk vs. the standard rates. From there, an insurer will

As a broker who has dealt with thousands of applications over the last 10 years, we know which providers are more likely to accept certain conditions. If we cannot help you get covered for the condition you have, we’ll let you know ASAP. Find out here.

Be aware: Some conditions will never be covered under private expat health insurance in Vietnam, which is why it’s important to take out a policy when you are healthy!

Tips for Your Expat Health Insurance Quest in Indonesia

Research: Look into companies providing expat health insurance in Indonesia, like AXA, Cigna, or local giants like Prudential Indonesia. Each offers unique advantages, so compare them like choosing between different Batik patterns.
Read the Fine Print: Like learning a new dance, familiarize yourself with your policy’s moves – what’s covered, exclusions, and any waiting periods.
Ask Locals and Fellow Expats: There’s wisdom in the community. Engage with local forums or expat groups to gather real-life experiences about expat health insurance in Indonesia.

Living Healthily in Indonesia with Your Expat Health Insurance

Beyond securing expat health insurance in Indonesia, embrace local health practices:

Stay Vigilant on Health Risks: From dengue to environmental issues, awareness is key. Your expat health insurance in Indonesia can support regular check-ups to keep you on top of your game.
Engage with Local Healthcare: Not all heroes wear capes; some are local doctors who understand tropical diseases like the back of their hand.
Preventive Care: Indonesia’s landscapes and gyms are perfect for a proactive health approach. Surf, hike, or meditate – the choice is yours, all while your expat health insurance in Indonesia looks after you.

Premium Guideline

Premiums vary by provider & the pricing variables that were aforementioned. However, here’s a rough guideline of what you can expect to pay annually for a ‘Best Value’ provider, with no deductibles, by age group:

Age	Inpatient	+ Some Outpatient	+ Full Outpatient
25	$667 - $868	1.5x of IP	2x of IP
30	$755 - $981	1.5x of IP	2x of IP
35	$872 - $1,134	1.5x of IP	2x of IP
40	$997 - $1,297	1.5x of IP	2x of IP
45	$1,149 - $1,493	1.5x of IP	2x of IP
50	$1,324 - $1,721	1.5x of IP	2x of IP
55	$1,583 - $2,058	1.5x of IP	2x of IP
60	$1,904 - $2,475	1.5x of IP	2x of IP
65	$2,398 - $3,120	1.5x of IP	2x of IP
70	$3,032 - $4,022	1.5x of IP	2x of IP

How to Save Money on your Premiums

Expat health insurance in Vietnam can be cheap or very expensive or somewhere inbetween. If you want a higher quality provider, but if the premiums are bit too much for your allocated budget, then we suggest:

Installments

• Pay monthly
• Pay quarterly
• Pay semi-annually

Reduce Benefits

• Focus on Inpatient
• Skip Outpatient
• Save 50% by doing so

Reduce Area

• Asia focused cover
• Ditch worldwide
• Save 25-30% by doing so

Direct Billing

• Pay & Claim for Outpatient
• Small hassle? Yes
• Save money by doing so
• Claims paid in <7 days

Deductible

• Pay $X out-of-pocket 1st
• Insurance kicks in after
• ex. $1K USD deductible
• Get 20% OFF

Co-pay

• Agree to pay X%
• Example 20% of OP expenses
• Save money by doing so

Parting Thoughts

In conclusion, having expat health insurance in Indonesia is like having the right map for your journey. It might not be the highlight of your trip, but it’s vital for a safe and enjoyable exploration of this vibrant country. With the right policy, you’re not just covered; you’re set to enjoy every moment of your Indonesian adventure with peace of mind and a healthy smile. Here’s to health, happiness, and a harmonious life in Indonesia with your expat health insurance in Indonesia!

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