Frequently asked questions

Yes. Indonesia's public healthcare system (BPJS Kesehatan) is not designed for expats and provides very limited cover in private hospitals. Without private health insurance, you risk paying significant out-of-pocket costs for consultations, hospitalisation or emergency treatment. Most expats living in Indonesia full-time should have a private health plan in place.

Most home country policies do not provide adequate cover outside your home country, or require you to pay upfront and claim back later. In Indonesia, where hospital bills can be substantial, this creates real financial risk. An internationally recognised health insurance plan gives you direct billing and proper coverage where you actually live.

Travel insurance is designed for short trips, it covers emergencies, cancellations and lost baggage for a limited period. Health insurance is built for people living in Indonesia full-time. It covers ongoing medical care, specialist consultations, hospitalisation and chronic conditions. If you are based in Indonesia, travel insurance is not a substitute for a proper health plan.

Health insurance in Indonesia typically starts from around USD 400 per year for a basic individual plan. Premiums vary depending on age, coverage level, and whether maternity or dental is included. As independent advisors we compare plans to find the right balance of cover and cost for your situation.

Yes, in most cases. Some insurers will cover pre-existing conditions after a waiting period, others will exclude them permanently, and some specialist plans offer full cover with adjusted premiums. The key is knowing which insurers are most flexible and how to present your medical history correctly. This is something we navigate for our clients every day.