🅿️ You’ve just arrived in Bali, ready for surf, sunshine, and smoothie bowls. But then you hear about someone spending 50 million IDR on emergency surgery—with no insurance 😱. Whether you’re staying short-term or building a life here, one thing’s clear: health insurance in Indonesia is something you can’t ignore.
🅰️ Many foreigners in Indonesia wrongly assume their home coverage or travel insurance will cover everything. But when it comes to real emergencies, local clinics, or specialist care in Jakarta or Bali, policies often fall short. And trying to navigate Indonesian insurance systems without local help? Confusing and risky 😩.
🆂 That’s why this guide breaks down the best options for private health insurance in Indonesia—clearly, affordably, and with real tips for expats. You’ll learn which providers are foreigner-friendly, how to compare coverage, and how to avoid the common insurance traps 🏥.
🆃 🗣️ “My hospital bill in Bali was over 20 million IDR. I didn’t know my travel insurance wouldn’t cover it,” said Sarah, an Australian digital nomad. “Now I use local private insurance, and it’s saved me twice already.”
🅴 📌 For example, some companies cover both outpatient care and emergency evacuation—even if you live in remote areas of Indonesia. Others offer easy claims through English-speaking apps. The right plan depends on your lifestyle and how long you plan to stay.
🅰️ Ready to protect your health and wallet in paradise? Let’s dive into everything foreigners need to know about health insurance in Indonesia—so you can enjoy Bali worry-free 🌞.
Table of Contents
- Can Foreigners Get Health Insurance in Indonesia? 🏥
- Why Travel Insurance Isn’t Enough in Bali 🧳
- What Does Private Health Insurance Cover in Indonesia? 📋
- Real Story “How Local Insurance Saved My Life in Ubud” 💬
- Top 5 Private Health Insurance Companies in Indonesia 🏆
- How Much Does Health Insurance Cost for Expats in 2025? 💸
- What to Look for in an Indonesian Insurance Plan 🔍
- How to Sign Up for Health Insurance in Bali as a Foreigner ✍️
- FAQs About Health Insurance for Foreigners in Indonesia ❓
Can Foreigners Get Health Insurance in Indonesia? 🏥
Yes! Foreigners in Indonesia can absolutely get health insurance—whether you’re here short-term or living long-term as a retiree, digital nomad, or remote worker.
Many private health insurance Indonesia companies offer plans tailored for expats, with English-speaking support and flexible monthly or yearly payments.
These policies help cover hospital stays, general check-ups, emergency care, and more.
If you’re living in Bali, Jakarta, or anywhere in between, it’s important to get a plan that fits your visa type and your lifestyle.
Some plans are best for active surfers in Canggu 🏄♂️, others for families raising kids in Ubud. Without insurance, one accident or illness could cost you millions of rupiah—so don’t risk it!
Why Travel Insurance Isn’t Enough in Bali 🧳
Many visitors assume travel insurance is good enough—but that’s often a big mistake. Travel insurance typically covers flight delays, lost baggage, and emergency evacuation.
But when it comes to staying in Bali for more than a few weeks, it may not cover day-to-day medical care, dengue fever, scooter crashes, or dental visits 🦷.
If you’re part of the growing community of foreigners in Indonesia, especially those staying 6+ months, then it’s smart to switch from travel insurance to a real health plan.
Not only does it offer better coverage, but it’s also often easier to make claims locally through a nearby hospital or clinic.
Plus, many Indonesian insurance providers now offer paperless claims via app!
What Does Private Health Insurance Cover in Indonesia? 📋
Private health insurance Indonesia plans vary, but most include coverage for hospitalization, surgery, prescription medicine, outpatient care, and sometimes even mental health therapy or maternity.
Premium plans may include medical evacuation to Singapore or Thailand, while basic ones cover local hospitals in Denpasar or Jakarta.
Some expat policies include coverage at international hospitals like Siloam or BIMC, while others work only with selected local providers.
Be sure to check what’s included—does the plan cover annual check-ups? Is dental included?
What about pre-existing conditions? A good plan for health insurance for foreigners in Bali should clearly list benefits, exclusions, and claim limits 💼.
Real Story “How Local Insurance Saved My Life in Ubud” 💬
“My name is Michael, I’m from Canada 🇨🇦. I moved to Ubud last year to work remotely. I didn’t think much about health insurance in Indonesia, because I had travel insurance through my credit card.
Then one day, I had a serious motorbike accident on Jalan Raya Andong.
I ended up at a private hospital in Gianyar. The bill was over 45 million IDR. My travel insurance only covered 10%.
I had to pay the rest myself. After that, I bought private health insurance Indonesia through a local agent.
Two months later, I got dengue. This time, my new policy paid everything—hospital stay, blood tests, meds. Total peace of mind 🛡️.”
Top 5 Private Health Insurance Companies in Indonesia 🏆
Here are 5 popular providers trusted by foreigners in Indonesia:
- Allianz Care – Good for high-budget expats, with coverage across Asia.
- Pacific Cross Indonesia – Reliable and easy to use, especially in Bali.
- Mandiri Inhealth – Offers both corporate and personal health plans.
- Cigna Indonesia – Popular for digital nomads needing worldwide coverage.
- AXA Indonesia – Offers many flexible options for families and long-stayers.
When choosing an Indonesian insurance company, make sure the network includes hospitals near your home, like Siloam, BIMC, or Kasih Ibu.
Many insurers now have online platforms for easy claims and plan management 📲.
How Much Does Health Insurance Cost for Expats in 2025? 💸
Prices vary depending on age, coverage level, and provider. On average, expat insurance Indonesia 2025 plans cost:
- Basic plans: IDR 3–5 million/year ($200–$350 USD)
- Mid-range plans: IDR 8–15 million/year ($500–$1000 USD)
- Premium plans: IDR 20–35 million/year ($1300–$2300 USD)
Monthly payment options are available too, and some providers offer discounts for couples or families 👨👩👧.
Just remember: the cheapest plan isn’t always the best. Compare based on network hospitals, claim speed, and overall reliability.
What to Look for in an Indonesian Insurance Plan 🔍
When selecting health insurance in Indonesia, pay attention to these must-haves:
✅ English-speaking customer support
✅ Direct billing with hospitals (no upfront payments)
✅ Clear coverage for emergencies and outpatient visits
✅ Telemedicine or online doctor consultations
✅ Transparent policy documents (no hidden exclusions)
It’s smart to read reviews from other foreigners in Indonesia, especially in online expat forums or local Facebook groups.
Ask questions like: Can I use this insurance in Ubud? Does it cover my kids? Are claims paid quickly? 🤔
How to Sign Up for Health Insurance in Bali as a Foreigner ✍️
Signing up is easier than you think! Most Indonesian insurance providers allow online registration, and some even offer consultations via WhatsApp. Here’s how it works:
- Choose a plan that matches your needs and visa type.
- Submit your passport and proof of stay in Indonesia.
- Pay via bank transfer, card, or online payment app.
- Get your digital policy card and coverage confirmation within 1–3 days.
Some agents can meet you in person in Bali if you prefer. Don’t wait until you’re already sick or injured—most plans require a waiting period of 14–30 days before coverage starts ⏳.
FAQs About Health Insurance for Foreigners in Indonesia ❓
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Is it mandatory to have insurance in Indonesia?
Not always, but some visa types (like KITAS) may require proof of insurance.
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Can I use international insurance in Bali?
Some global plans work, but they may not cover local hospitals or outpatient care.
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What’s better—local or international insurance?
If you’re living in Bali long-term, local private health insurance Indonesia is usually cheaper and more practical.
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Does insurance cover COVID-19 or vaccinations?
Many plans now include COVID-related coverage and basic vaccinations. Check the policy details.
