Living as an expat may make you wonder, “What is the best health insurance in Indonesia?” to guarantee your health. The cost of medical care for a serious incident in Indonesia can reach millions to billions of rupiah, equivalent to hundreds of thousands of dollars.
This article covers Indonesia's health system and insurance options for expats. Let’s discover the explanation through it to help you choose the right insurance, so you won’t have to spend hundreds or thousands of dollars.
One of the insurance providers for Indonesia’s healthcare system is BPJS. This is a government insurance available for Indonesian citizens and some eligible expats. BPJS for expats in Indonesia helps them get one of the best medical care in public hospitals.
Besides public hospitals, you may find a private hospital. It provides modern facilities, English-speaking staff, and top-notch medical care. However, the price is quite high and commonly requires you to pay a deposit without adequate insurance.
If you are staying in Bali for the long term, you should be aware that there are private hospitals in tourist regions, such as Siloam, BIMC Bali, and international clinics. For a serious, complex case, evacuation to Singapore remains a standard among expats.
As mentioned above, BPJS Kesehatan for expats is available. Those who hold KITAS or KITAP should enroll in BPJS. Because it is required by law while you are in Indonesia, you must obtain Indonesian insurance.
Expats can get reasonably priced a Indonesian health insurance for foreigners. Depending on your insurance class, you will have to pay between IDR 35,000 and 150,000 each month. However, expats and digital nomads with a tourist visa are not eligible for BPJS.
BPJS, as an eligible expat health insurance in Indonesia, has limitations. You may find long queues, limited access to adequate facilities outside Indonesia’s big cities, and no coverage for medical evacuation in Indonesia.
For better medical care, you should take international health insurance in Bali as additional protection. It helps you get the best treatment when you get injured during your stay in Indonesia.
If you are an expat and hold a KITAS or KITAP, you should consider BPJS Kesehatan for medical care during your stay in Indonesia. It covers basic health needs, which is useful for outpatient care in public facilities.
This national insurance does not cover medical evacuation or private hospital premiums. Therefore, it can only be used for simple treatments. Additionally, digital nomads' medical requirements are not covered by Indonesia's health insurance.
You can find local private health insurance in Indonesia to cover medical care during a long-term stay as an expat. If you want to be covered for health difficulties, this insurance is a good option because it is less expensive than an international plan.
One of the local private health insurance plans that is popular among expats is AXA Health Insurance Indonesia. You can choose SmartCare, a flexible health insurance product for individuals, families, and companies that focuses primarily on medical treatment in Indonesia.
AXA has become one of the best health insurance plans for expats in Bali, though its annual cap is on the lower side. As an expat who rarely travels overseas and lives comfortably with local amenities, the insurance is appropriate for you.
International health insurance in Indonesia is suitable for expats who travel a lot, need medevac coverage, or have access to an international hospital in Singapore. The coverage already has direct billing in a private hospital and has a high annual cap.
There are many popular providers, such as Cigna for Indonesia expats. Key benefits may include inpatient and day-patient hospitalization, optional outpatient care, cancer treatment, emergency medical evacuation, mental health support, and 24/7 multilingual customer support.
Another international health insurance to propose is Bupa for Indonesia expats. For many expatriates, Bupa is suitable if you live in Indonesia long-term, frequently travel for work or leisure, want treatment in private hospitals, and prefer the option to receive care in Singapore, Malaysia, Thailand, or your own country.
Digital nomads can choose SafetyWing for a better medical care experience. This insurance coverage includes emergency medical treatment, hospitalization, surgery, emergency dental care, and medical evacuation.
The price that you have to pay for this international health insurance is $80–$400 each month, depending on age, coverage level, and provider. It is the most affordable option for obtaining adequate protection while visiting Indonesia.
Given that you are an expat living in Bali, it is crucial to understand the main risks. Many common risks in Bali frequently happen. You should receive protection to handle minor to serious injuries, without having to spend a lot of money, as it may cost around $5,000–$50,000.
A hospital in Bali for expats can be very expensive in several situations. For example, if you are hospitalized due to Dengue fever, endemic in Bali, you have to pay around $2,000–$5,000. If the case is medical evacuation, you have to pay around $25,000--$80,000.
Are you actively diving in several places, like Komodo Island or Raja Ampat? You should know the cost you may incur if an injury happens. Decompression sickness and hyperbaric treatment cost around $5,000–$15,000.
You may obtain the best health insurance coverage by using these options. After learning about insurance options, you should understand the cost of health insurance for expats living in Indonesia.
It is important to register yourself and family members for health insurance. This is because treatment for a serious injury will be more expensive than paying the annual premium for health insurance.
For appropriate medical care, you can choose private hospitals in Bali for expats. This is a list of private hospitals that are well-known for providing their patients with the best care possible.
If you are looking for medevac, you can choose Mount Elizabeth or Gleneagles in Singapore. It gives you the best treatment, which becomes the standard for medical evacuation.
Understanding what the best health insurance in Indonesia is may help you get the best coverage for medical care. From minor to major injuries, they are all covered by the insurance, so you won't have to pay for it, as direct billing is addressed to health insurance.
To experience an elevated stay, you ought to know about expat accommodation in Bali. Stay at SOLO offers comfortable monthly or extended stay options. It is a great base for expats and long-term visitors exploring island life.