Expat Health Insurance in Indonesia

 Over 100,000 international residents call Indonesia, a transcontinental nation in Southeast Asia and Oceania, home. Because of its strong economy, which is rated 17th in the world by GDP, the nation is very well-liked by visitors from abroad.

It is challenging for foreigners to settle down because of the government's difficulties in the healthcare sector. Most foreigners will use private healthcare to fill in the gaps left by public healthcare, if they can afford it. Fortunately, while living in Indonesia, expats have a variety of healthcare and health insurance options.

How Does Indonesia's Healthcare System Operate?

The majority of the population prefers to use private facilities and have private insurance, therefore Indonesia's healthcare system is a hybrid of the two. The public health insurance system was only just introduced in 2019, having first been proposed in 2014.

The Social Security Agency of Health (Badan Penyelenggara Jaminan Sosial Kesehatan- BPJS Kesehatan) oversees and manages Indonesia's national healthcare system, known as the "Jaminan Kesehatan Nasional-JKN". All citizens and residents will be covered by JKN for a variety of procedures at public facilities.

Is Indonesian Health Insurance Required?

In Indonesia, everyone who lives there must register with the government's healthcare program, even foreigners who work there. Despite this, the majority of people choose to use private facilities and have extra private health insurance.

How Do Foreigners Acquire Health Insurance in Indonesia?

In addition to signing up for the public healthcare system, expats in Indonesia can purchase private insurance for supplemental protection. The advantages of the two are different.

How Do Foreigners Acquire Health Insurance in Indonesia?

In addition to signing up for the public healthcare system, expats in Indonesia can purchase private insurance for supplemental protection. The advantages of the two are different.

Indonesian Public Health Insurance for Foreigners

Previously, the public health care system (Jaminan Kesehatan Nasional, or JKN), depending on the coverage region, offered three levels of services: class I, class II, and class III. Midway through 2022, further changes were implemented, the class system was eliminated, and KRI-JKN, a new single-class system, was unveiled.

You don't need to do anything to register with the JKN because your company will take care of getting you registered with the social scheme and receiving additional social advantages besides health insurance after six months. Because of this, the necessary charge is deducted from your pay, as is typical of most public healthcare systems.

Please be aware that under the JKN, you can only receive treatment at public facilities if you only have public health insurance.

How do I sign up for Indonesian public insurance?

If you are self-employed or a freelancer, you must register with the JKN on your own, either in person or online, and you must pay the necessary monthly cost on your own.

application made in person. You must visit one of the JKN offices nearby and provide the necessary documentation, such as your passport, residency permit, address proof, etc., to complete the registration in person.

applying online. The JKN website or their phone app both offer online registration as an additional alternative. You will require a working email address for both sorts of applications.

Private health insurance for foreigners in Indonesia

In Indonesia, private health insurance is relatively common because, up until recently, the majority of inhabitants only used private plans. You are encouraged to obtain a second private insurance plan as an expat in order to visit private hospitals and fill in the holes in the public system.

The biggest advantage of choosing this option is that it gives you access to medical facilities that understand English.

You have two primary choices for private insurance, depending on which one is best for you:

Buy insurance from a nearby provider. After relocating to Indonesia, you might get an insurance policy from a local insurance company. In Indonesia, it won't be difficult for you to locate a company because private insurance is commonly available.

Purchase insurance from a global company. Before traveling to Indonesia, you might purchase an insurance policy from a foreign company. You can benefit from a competitive marketplace like Insubuy to help you reduce the list and choose a service that meets your demands because there are several providers globally.

Excellent Health Insurance Providers

The following are a few of the top foreigners' health insurance providers in Indonesia:

Suppliers from abroad

Care Cigna AXA Allianz

Regional suppliers

Precautionary Indonesia

Indonesian Life Manulife

What Is Covered by Expat Health Insurance in Indonesia?

Typically, none of the following are covered by public health insurance:

Orthodontics Treatments for infertility

Rehab for drug use

Private insurance, on the other hand, allows you to customize your policy as necessary to get the most coverage.

What Is the Price of Foreign Health Insurance?

Whether you utilize only public or private insurance will affect how much your health insurance will cost in Indonesia. Your company will register you with the JKN, and the charge is deducted from your pay; approximately 5% of your gross pay is allocated to the JKN; your employer contributes 4% and you contribute the remaining 60%. You can complete registration and pay a monthly cost of between 25,500 and 59,500 IDR ($1.66-$3.95) if you are self-employed or not registered.

If you choose private insurance, the cost can vary by up to several hundred dollars based on your age, your health, your desired level of coverage, the length of your policy, and other considerations.

Also keep in mind that residents frequently go to nearby nations for medical care, including Singapore and Thailand. As a result, you must also provide coverage for medical transportation and care, which will affect how much your insurance policy will cost.

Has Indonesia a Reliable Healthcare System?

Indonesia has implemented a number of improvements to the healthcare system. There is still opportunity for improvement as the country's health system transitions under new reforms that have been put in place since 2014.

Even now, those Indonesian citizens who can afford it seek medical attention in nearby nations like Singapore. This is due to the fact that the majority of public facilities are outdated, understaffed, and have lengthy wait periods.

Also keep in mind that locals frequently go to surrounding countries, such as Singapore and Thailand, for medical treatment. As a result, you must also offer protection for medical transportation and treatment, which will have an impact on the price of your insurance policy.

Is the Healthcare System Reliable in Indonesia?

Numerous changes have been made to the healthcare system in Indonesia. As the nation's healthcare system transforms under fresh reforms implemented since 2014, there is still need for improvement.

Even now, Indonesian residents who can afford it travel to neighbouring countries like Singapore for medical care. This is because most public facilities are out-of-date, understaffed, and have protracted wait times.