Traveling Abroad as an Expat in Indonesia? Here’s Why You Still Need Travel Insurance.
- Be Protected Indonesia
- May 22
- 2 min read
If you're an expat living in Indonesia, it's easy to forget about travel insurance, especially if you already have a local health plan or international coverage. But here’s the truth: when you leave Indonesia, even for a few days, you’re often not covered.
Let’s break down why travel insurance still matters — even for experienced expats.
1. You Travel More Than You Think
As an expat, you probably:
Fly to your home country once or twice a year
Take holidays to Singapore, Thailand, Australia, or Europe
Go on quick visa runs or business trips
Invite friends/family and travel with them
And each of those trips opens the door to unexpected issues: delays, cancellations, lost bags, or worse — medical emergencies.
2. Local Insurance in Indonesia ≠ International Travel Coverage
Even if you have health insurance in Indonesia, it most likely doesn’t cover you abroad.
Some expats rely on travel cards or bank insurance, but most of these have low limits or strict exclusions (like no coverage for activities or delays).
With a proper travel insurance policy like Zurich’s, you’re covered for:
Medical emergencies abroad
Flight delays or cancellations
Lost or stolen baggage
Emergency repatriation
Personal accident & liability coverage
3. What Type of Travel Insurance for expat in indonesia Do You Need?
There are 2 simple options:
✅ Single Trip Plan
For one-time trips — ideal for holidays or a return home.
🔁 Annual Multi-Trip Plan
If you travel frequently throughout the year. One plan. Unlimited trips. Done.
We recommend this for most expats — it’s cost-effective and gives year-round peace of mind.
4. Tip for Expats Returning to Their Home Country
When flying back to your country (France, Germany, Australia, etc.), don’t assume your old public health system will protect you.
In many cases, you’re considered non-resident and need private travel insurance for the trip.
Final Advice
Don’t travel uninsured — not even for a quick trip
Your local health insurance won’t cover everything
Travel insurance is cheap compared to what you risk
Be Protected Indonesia helps you choose the best plan and gets you covered.
👉 fill out our Travel Insurance Form — https://www.beprotectedindonesia.com/travel-form
We will help you choose the right coverage based on your destination and duration.
