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Insurance in Indonesia for Expats – Why It Works (When You Do Things Right)

  • Writer: Be Protected Indonesia
    Be Protected Indonesia
  • May 22
  • 2 min read

We often hear this from new clients: "Insurance in Indonesia doesn’t work."

But at Be Protected Indonesia, we’ve seen the opposite — again and again. Yes, insurance works in Indonesia. But it only works when you do your part.

Let’s be honest: insurance is not magic. It’s a contract. And when that contract is respected, it works. When it’s misused, things go wrong — and trust breaks down.



1. The Truth About Insurance in Indonesia for Expats


If you're an expat owning a villa, business, or vehicle in Indonesia, you’re likely unfamiliar with how local insurers operate. Here’s what many don’t realize:

  • Insurers in Indonesia do pay when the claim is valid

  • Claims are checked carefully — documents, photos, truthfulness

  • If something is missing or false, they won’t pay — and that’s normal

Insurance here is not like a charity. It’s a legal agreement, and both sides must play fair.



Confused expat couple reviewing insurance documents in Bali home

2. Tricks and Shortcuts Break Trust — and Claims


We’ve seen people try to:

  • Claim damage that didn’t happen

  • Exaggerate amounts

  • Declare a villa as “private use” when it’s on Airbnb

  • Submit a claim with no photo, no invoice, no proof

In these cases, the insurer rejects the claim. And unfortunately, some of these people walk away saying, “See? They never pay.”

But that’s not true.They don’t pay when they shouldn’t pay.



Person taking photo of property damage for insurance claim documentation

3. What BPI Does — and Where We Draw the Line


At Be Protected Indonesia, we’re here to support you, but we also want to be 100% transparent.

Here’s what we do:

  • ✅ We help you choose the right policy

  • ✅ We make sure your property is declared correctly

  • ✅ We assist you step-by-step in the claim process

  • ✅ We follow up and negotiate if needed

Here’s what we don’t do:

  • ❌ Fabricate documents

  • ❌ Hide information

  • ❌ Push a fake claim

  • ❌ Promise outcomes we can’t guarantee

Insurance works when you work with it — not against it.



Insurance advisor from Be Protected Indonesia assisting a client with claim paperwork

4. Real Stories, Real Claims, Real Results


Here are just a few recent examples:

  • A villa owner in Canggu got refunded after a fire

  • A resort owner in Ubud received full coverage after water damage

  • A guest fell at a property — the liability claim was accepted and paid

In all these cases, the owners were transparent, prepared, and insured properly. We helped them — because they did things right from the start.



Happy customer receiving claim refund confirmation on phone or laptop


Final Thought: Respect the Process and You’ll Be Protected


If you treat insurance like a gamble, it won’t work. If you treat it like a partnership — with us, and with the insurer — you’ll be glad you had it.

  • We’re here to protect you, guide you, and fight for you when needed. But we can’t do it alone.

    👉 Let’s work together — honestly, clearly, and proactively.

👉 Need help to set up insurance in Indonesia? Message us — we’ll guide you step by step.











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