How Insurance Claims Work for expat in Indonesia – And How We Help

If you're an expat living or investing in Indonesia, navigating an insurance claim might feel confusing – especially if you're used to how it works in Europe or other developed markets. The truth is, insurance processes here can be slower, less transparent, and require more documentation than you might expect. But don't worry – Be Protected Indonesia is here to guide you every step of the way.

1. Reporting the Claim

In Indonesia, timing is everything. Most policies require that you report a claim within 7 to 14 days after the incident. Reporting late can result in a rejected claim. That’s why it’s important to contact us or the insurance company directly as soon as possible after an incident.

We recommend always keeping a copy of your policy number on hand and taking clear photos or videos of any damages or losses.

2. Documentation Is Key

Unlike in many Western countries, Indonesian insurers often require detailed documentation before approving a claim. This may include:

• Photos of the damage or incident

• Police reports (for theft, accidents, or fire)

• Proof of ownership or repair estimates

• A claim form completed and signed

Many claims are delayed simply because key documents are missing.

3. The Role of Be Protected Indonesia for expat insurance in Indonesia

This is where we step in. When you're insured through BPI, you're not alone. We help:

• Report the claim on your behalf

• Collect and organize the required documents

• Communicate directly with the insurer

• Negotiate if needed, especially in complex cases

Our goal is to simplify the process and fight for a fair and timely resolution for you.

4. Common Delays and How to Avoid Them

Claims in Indonesia can take time. The most common delays come from:

• Incomplete or unclear documentation

• Unavailability of official reports (especially from police or fire departments)

• Waiting for loss adjusters

By working with us, we ensure that your claim is as complete and clear as possible from day one.

5. The Outcome: Getting Your Refund

Once approved, the insurer will send a letter confirming the refund or compensation amount. Payments are usually made by bank transfer, and BPI will follow up to make sure it arrives in your account.

Conclusion

Yes, making a claim in Indonesia can be more complex than you’re used to. But with Be Protected Indonesia by your side, you don’t have to worry. We understand the system, speak the language (literally and professionally), and make sure you're never alone in the process.

Need to report a claim or ask questions about your coverage? 

https://www.beprotectedindonesia.com/contact-us

start your claim online using our https://www.beprotectedindonesia.com/claim-form.