Health Insurance for Foreigners in Indonesia 2026
Healthcare in Indonesia ranges from basic clinics to world-class hospitals. Having proper insurance is essential for peace of mind.
Insurance Options Overview
Choose Your Insurance
What's your status in Indonesia?
Insurance Types
Insurance Options Compared
Understanding your choices
| Feature | BPJS Kesehatan National health insurance | Local Private Insurance Indonesian companies | International Insurance Global providers | Travel Insurance Short-term coverage |
|---|---|---|---|---|
| Monthly Cost | IDR 150K-600K | IDR 300K-2M | USD 100-500 | USD 30-100 |
| Hospital Access | Public + partner | Wide network | Premium hospitals | Emergency focus |
| Coverage | Basic comprehensive | Good inpatient | Comprehensive global | Emergency + evacuation |
| Foreigners | KITAS holders only | Usually accepted | Designed for expats | Anyone |
BPJS Kesehatan
What is BPJS?
BPJS Kesehatan is Indonesia's national health insurance. It's mandatory for:
- Indonesian citizens
- Foreigners with KITAS working 6+ months
Your employer must register you or you register yourself.
BPJS Classes
| Class | Monthly Premium | Room Type | Notes |
|---|---|---|---|
| Class 1 | IDR 150,000 | VIP single | Best |
| Class 2 | IDR 100,000 | Semi-private | Good |
| Class 3 | IDR 42,000 | Ward | Basic |
BPJS Coverage
- Outpatient care
- Inpatient hospitalization
- Surgery
- Medication (formulary)
- Emergency care
- Specialist referrals
BPJS Limitations
- Long wait times common
- Quality varies by hospital
- Referral system required
- Some medications not covered
- Premium hospitals often not included
International Insurance
Why Many Expats Choose International
- Hospital choice - Access to premium private hospitals
- No referrals - Go directly to specialist
- Global coverage - Covered when traveling
- English support - Easy communication
- Evacuation - Medical evacuation if needed
Popular Providers
| Provider | Starting From | Notes |
|---|---|---|
| Cigna Global | ~USD 200/month | Wide network |
| Allianz | ~USD 150/month | Good reputation |
| AXA | ~USD 150/month | Global reach |
| Pacific Cross | ~USD 100/month | Asia focus |
| April International | ~USD 120/month | Expat specialist |
Insurance costs vary significantly based on: - Age - Coverage level - Deductible - Geographic coverage - Pre-existing conditions
Premium Hospitals in Indonesia
Bali
- BIMC Hospital (Kuta, Nusa Dua) - Expat favorite
- Siloam (Kuta) - Modern facilities
- Kasih Ibu - Good general hospital
Jakarta
- Pondok Indah Hospital - Top tier
- RS Medistra - International standard
- Siloam Semanggi - Large network
- Mayapada - Comprehensive
Cost Calculator
Insurance Cost Comparison
Estimate annual insurance costs
Default Inputs
- Insurance Type
- International (mid-tier)
- Age Group
- 35-50
Estimated Result
Estimated total
Approximately USD 2250/year
Rp 36.000.000
What Coverage Do You Need?
Insurance Coverage Checklist
Essential coverage to look for
core
emergency
optional
Pre-existing Conditions
Most international insurers will:
- Ask about pre-existing conditions
- May exclude them initially
- Offer coverage after waiting period
- Premium may be higher
Never hide conditions - claims can be denied if undisclosed.
Common Questions
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