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The top 10 insurance companies for expats in Indonesia include AXA, AIA, Bupa, and Cigna, among others. These providers offer comprehensive health insurance plans tailored to meet the diverse needs of expats, with various coverage options and benefits.
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Choosing the right health insurance provider in Indonesia depends on factors like coverage area, benefits, and plan types. In this article, we’ll break down the best insurance companies and what they offer to help you make an informed decision.
Best Health Insurance Companies for Expats in Indonesia
Some notable health insurance providers for expats in Indonesia include AXA, AIA, April International, Bupa, and more. Each insurer will offer comprehensive coverage for expats living in Indonesia thanks to different plan categories.
Below are notable health insurance companies for expats in Indonesia.
AXA: Comprehensive Coverage for Expats in Indonesia
AXA’s five tiers of international health insurance plans include the Foundation, Standard, Comprehensive, Prestige, and Prestige Plus plans.
The foundation plan covers inpatient hospital fees and surgeries, emergency care, medical evacuation and repatriation, cancer treatment, ambulances, and scans (MRI, CT, and PET). You also have the option of adding outpatient treatment, examinations, vaccinations, drugs, and dressings coverage.
The standard plan covers the same areas as the aforementioned foundation plan with the addition of covering dental care while the comprehensive plan once again covers the same areas as the standard plan while adding chronic conditions and eye examinations as well as prescription glasses.
The prestige plan and its Plus counterpart cover the same areas as the previously mentioned comprehensive plan with additional maternity and annual health checkup coverage.
If you would like to learn more about annual limits and other medical insurance products from AXA, please check out our page on AXA for further reading.
AIA: Flexible Health Insurance Plans for Expats
AIA offers private health insurance plans to cover various expats’ unique healthcare needs. While exact details of AIA’s health insurance policies will vary across their regions, they generally share hospitalization and emergency coverage as well as the following optional benefits.
- Preventative care
- Dental care
- Optical care
- Maternity care
- Mental health care
For more information on any of AIA’s other medical insurance products, please check out our AIA page for further reading.
AIG: International Health Insurance for Expats
The American International Group (AIG) is a leading global insurance provider offering travel insurance in over 70 countries. With a strong presence in America, Europe, Asia Pacific, the Middle East, and Africa, AIG’s plans are available for individuals, families, businesses, and more.
With various insurance products available to choose from, AIG can help individuals and businesses prepare for and respond to sudden financial losses from illnesses and injuries and more.
If you would like to learn more about AIG’s various insurance products, check out our page on AIG for further reading.
Bupa Global: Tailored Coverage for Expats in Indonesia
Bupa Global offers expat health insurance and the plans will vary depending on where you live. Bupa Global also includes four tiers of health insurance coverage, such as Major Medical, Select, Premier, and Elite. Major Medical is the simplest tier while Elite is the most comprehensive.
Below are the annual benefit limits of each of Bupa Global’s health insurance plans.
|
Plan |
Annual Benefit Limit (GBP) |
Equivalent in Indonesian Rupiah |
| Major Medical | GBP 2,500,000 | Approximately 52,517,366,550 Indonesian Rupiah |
| Select | GBP 1,250,000 | Approximately 26,258,683,275 Indonesian Rupiah |
| Premier | GBP 1,875,000 | Approximately 39,388,024,912.50 Indonesian Rupiah |
| Elite | GBP 3,750,000 | Approximately 78,776,049,825 Indonesian Rupiah |
Allianz Care: Expansive Health Insurance Plans for Expats
The three available expat health insurance plans from Allianz Care include the Allianz Care plan, the Allianz Care Plus plan, and the Allianz Care Pro plans.
The Allianz Care plan covers semi-private inpatient and day-care hospital rooms, oncology, medical evacuation, home nursing, rehabilitation, and emergency outpatient care. The Plus plan covers private inpatient and day-care hospital rooms as well as the same areas as the Allianz care plan.
However, a notable addition to the Allianz Care Plus plan is emergency dental care coverage. The Allianz Care Pro plan also covers the same areas as the aforementioned Allianz Care Plus plan with the addition of preventative surgery and laser eye treatment coverage.
Below are the maximum plan limits for each plan.
|
Plan |
Maximum Plan Limit (USD) |
Equivalent in Indonesian Rupiah |
| Allianz Care | USD $2,500,000 | Approximately 40,514,625,000 Indonesian Rupiah |
| Allianz Care Plus | USD $4,000,000 | Approximately 64,823,400,000 Indonesian Rupiah |
| Allianz Care Pro | USD $5,000,000 | Approximately 81,029,250,000 Indonesian Rupiah |
IMG Global: Customizable Health Insurance Solutions
IMG Global’s categories of international health insurance plans available for expats include the Bronze, Silver, Gold, and Platinum plans. For a more detailed look at each plan’s coverage areas, as well as the different lifetime limits, please check out our page on IMG Global for further reading.
In the meantime, below are optional benefits you can add on top of default plans.
- Dental Rider (available only for bronze, silver, and gold plans)
- Vision Rider (available only for bronze, silver, and gold plans)
- Global term life insurance
- Terrorism (available only for platinum plans)
- Sports rider (available only for gold and platinum plans)
GeoBlue: Global Health Insurance for Expats
Featuring both short and long-term options for health insurance coverage overseas, GeoBlue has an extensive network of healthcare providers across multiple countries and their 24/7 phone, mobile, online, and telemedicine service allows round-the-clock access for members.
If you’d like to learn more about GeoBlue, including its various health insurance plans available and each plan’s coverage areas, please visit our page on GeoBlue for further reading.
VUMI: Specialized Health Insurance for Expats
VUMI offers international health insurance policies available for expats to choose from. Coverage areas available include dental and optical care, as well as maternity care.
Dental benefits will begin after a waiting period of nine months, while maternity benefits will begin after a 12-month waiting period. Do keep in mind that applicants must be 74 years or younger in order to qualify for VUMI’s Global Flex VIP plans.
If you would like to learn more about eligibility criteria, along with the various benefits and coverage areas, please check out our page on VUMI for further reading.
Cigna: Global Coverage Options for Expats
Cigna Global’s four tiers of international health insurance plans, consisting of the Silver, Gold, Platinum, and Close Care plans, all offer worldwide coverage as well as the option for US coverage. However, it’s worth noting that the close care plan can only offer domestic coverage.
Below are each of the plans’ different annual limits. The annual limit for the platinum plan is unlimited.
|
Plan |
Annual Limit (USD) |
Equivalent in Indonesian Rupiah |
| Silver | USD $1,000,000 | Approximately 16,205,850,000 Indonesian Rupiah |
| Gold | USD $2,000,000 | Approximately 32,411,700,000 Indonesian Rupiah |
| Close Care | USD $500,000 | Approximately 8,102,925,000 Indonesian Rupiah |
If you’d like to learn more about each of Cigna Global’s plans and their different coverage areas, please check out our page on Cigna Global for further reading.
William Russell: Affordable Health Insurance for Expats
William Russell’s international health insurance plans, consisting of the Bronze, Silver (and Silver Lite), and Gold plans, are all designed for expats’ various healthcare needs while also remaining accessible for different budget ranges.
These plans also allow personalized hospital benefits selections and will vary across coverage limits. Below are each of the plans’ annual benefit limits.
|
Plan |
Annual Benefit Limit (USD) |
Equivalent in Indonesian Rupiah |
| Bronze | USD $1.5M | Approximately 24,270,000,000 Indonesian Rupiah |
| Silver | USD $2.5M | Approximately 40,450,000,000 Indonesian Rupiah |
| Silver Lite | USD $1.5M | Approximately 24,270,000,000 Indonesian Rupiah |
| Gold | USD $5M | Approximately 80,900,000,000 Indonesian Rupiah |
Frequently Asked Questions
Is health insurance required in Indonesia?
All residents, including expats, must register with Indonesia’s national healthcare system. However, most residents and expats also prefer having additional private health insurance coverage for greater hospital and specialist selections as well as additional benefits.
How much does it cost to see a doctor in Indonesia?
On average, a basic doctor consultation in Indonesia will range anywhere from IDR 200,000-400,000 (which is approximately USD $12-$25). However, exact fees will vary depending on the clinic or facility’s location as well as the doctor’s expertise.
Is USD $1,000 enough to live on per month in Bali?
It may be possible to live in Bali with USD $1,000 per month. However, keep in mind that this will depend on your lifestyle choices such as dining, amenities, or activities. Thus, it’s crucial to budget carefully.
Conclusion
From different tiers of coverage to hassle-free application processes and multilingual staff, each insurer has something for every expat living in Indonesia. Just bear in mind that with each insurer’s different offerings, there will also be limitations.
As an international health insurance broker with over 20 years of experience, Pacific Prime has helped countless expats and local citizens find an appropriate health insurance plan that suits both their budget range and unique health insurance needs.
Whether you’re an expat living in Indonesia or a local Indonesian citizen yourself, our team of specialists will be more than happy to help you with impartial advice at no additional cost. If you have any questions, please get in touch with us or get a free quote here.
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Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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