Health Insurance for Expats, Families, and Teams in Indonesia
At Be Protected Indonesia, we don’t push what insurers sell — we help you choose the health insurance that truly fits your needs as an expat living, investing and working in Indonesia.
Smart Coverage for all expat living Indonesia.
Protect yourself, your families, but also your employees and their families with international-standard health benefits.
Coverage includes hospital stays, emergency care abroad, and direct access to thousands of trusted clinics across Indonesia — with no annual cap for inpatient treatment.
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International Plan:
For peace of mind — anywhere in the world
Ideal for expats who travel often or want the option to get treatment abroad. Offers full global coverage including evacuation and private hospitals in top destinations.
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Domestic Plan:
Reliable and affordable — if you're staying local
Covers treatment in Indonesia’s top hospitals. Perfect if you’re comfortable with local care and plan to recover in Indonesia.
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SME Group Plan:
The smart middle-ground
Our most popular option. Tailored group health coverage for small businesses. Enjoy lower rates, wide benefits, and access to both public and private care.
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Personal Accident:
Basic personal accident coverage for you or your employees — a smart minimum to protect against injuries or accidents in daily life or at work. Simple, affordable, and often overlooked… until it’s needed.
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Big 3 critical illnesses:
Cancer, heart attacks and strokes. cash payout with coverage of up to IDR 500 million to use any way you need, so you can focus on getting healthy again without worrying about your bills. This insurance works alongside your existing health insurance to provide extra protection
What’s Included in Your Health Insurance
Comprehensive coverage designed for expats, families, and teams living and working in Indonesia. From everyday checkups to serious hospital care — we’ve got you covered.
Living and working in Bali is amazing — but unexpected things can happen. Be Protected Insonesia health insurance solution covers you for hospital stays, pregnancy, dental, vision, and everyday care, so you’re always protected.
Inpatient Benefits
Covers hospital stays, ICU, surgery, doctors, ambulance, pre/post care, and serious accident-related costs.
Outpatient Benefits
Includes consultations, medications, lab tests, physiotherapy, child vaccines, and family planning.
Dental Care
Annual dental care for cleanings, treatments, and dentures.
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Vision (Glasses)
Covers lenses, frames, and eye exams.
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Pregnancy Benefits
Covers normal and cesarean deliveries, miscarriage, and pre/postnatal care including doctor fees, medication, and diagnostics.
Get Ready to Be Covered
Everything you need to protect you, your employees and their families with the right health coverage.
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SME: Minimum of 3 people from the same company required
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Available for Indonesian and expatriate employees
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Dental and glasses options apply to the entire group plan for SME Plan (not individually selectable)
Example of Health Insurance in Real Life
5 profiles — 5 smart coverage choices.
Because one plan doesn’t fit all.
Emma – International Plan
Location: Seminyak, Bali
Profile: Remote tech manager, often travels to Europe and Singapore
Plan Chosen: Full International Coverage
Why: She wanted peace of mind for serious care anywhere in the world, including emergency evacuation and treatment in Singapore if needed.
Estimated Premium
IDR 35,000,000/ year
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Dewi – Personal Accident Plan
Location: Ubud, Bali
Profile: Staff at a property management company — handles welcoming guests
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Plan Chosen: Basic Personal Accident plan
Why: Simple essential protection. This plan offers financial support in case of accidents—at work, at home, or on the road. A smart, low-cost safety net.​​
Estimated Premium
IDR 700,000/ year
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Daniel – Domestic Plan
Location: Uluwatu, Bali
Profile: Surf lover and property developer
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Plan Chosen: Domestic Health Insurance
Why: he is happy to get treated locally if anything happens. This plan keeps things simple and affordable for him.
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Estimated Premium
IDR 12,000,000/ year
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Budi –
Critical Illness Plan
Location: Denpasar, Bali
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Profile: Security staff at a private villa — works night shifts and supports his family
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Plan Chosen: Basic Personal Accident plan
Why: Budi wanted peace of mind knowing his family would be financially protected if he was diagnosed with a serious illness.
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Estimated Premium
IDR 450,000/ year
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Laura &
her Team – SME Plan
Location: Canggu, Bali
Profile: Boutique hotel owner covering 4 staff
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Plan Chosen: SME Group Plan
Why: With just a few employees, she needed real coverage that fits her budget. Group plans make it easy and cost-effective.
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Estimated Premium
IDR 6,000,000/ px/ year
The Perfect Combo: Health + Travel Insurance
Year-round protection — in Indonesia and everywhere you go
Living in Indonesia as an expat means staying healthy here — but also being prepared abroad. That’s why our travel insurance works seamlessly with your health coverage.
Whether you're heading home for the holidays, going on a visa run, or exploring Southeast Asia, our annual travel insurance plan ensures you're always protected — with no need to reapply for each trip.
At Be Protected Indonesia, we make it easy to bundle your health and travel coverage in one simple setup — for less stress, fewer surprises, and complete peace of mind.
Trusted by Expats Across Indonesia
Real feedback from those who’ve found peace of mind with Be Protected Indonesia Health Insurance
James & Clara, Business Owner in Ubud
We travel between Bali and Europe a lot, and the international plan gave us full flexibility. BPI helped us compare everything and didn’t push — they just gave clear advice.
Elise, Freelance Designer in Canggu
I wanted something simple and affordable. BPI explained how the domestic plan works, and I realized it was perfect for me — I’m happy to get treated here in Indonesia.
Wayne & Team, Startup Founder in Jakarta
We chose the SME plan for our team. The process was quick, and the coverage is excellent for the price. It’s been a smart investment for our company.
Frequently Asked Questions
Health Insurance for Expats in Indonesia
Stay Healthy, Stay Informed
Insights, tips, and real stories to help you make smart health decisions as an expat in Indonesia.
