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Insurance for Expats in Indonesia

Hello FlokqJune 25, 2020

As an expatriate, it is important to protect your health when in a foreign country, both in Indonesia or anywhere in the world. You can’t possibly know what will happen the next day or the next moment. Going to foreign countries is a way to challenge yourself, but risking your health should be excluded. When you are not in your country or familiar zone, the risk of your health will increase. If you feel sick or unhealthy while in Indonesia or other countries, you should feel worried about the cost of treatment.

When you are an expat living in another country and are not covered under the country’s health insurance plan, the cost of doctor visits, medicines, and medical tests can add up very quickly. This is where you need health insurance to cover up the risk of your health while in a foreign country. By using health insurance, you can have access to the best healthcare without fearing the financial strain. So, you can enjoy your life as an expatriate and get the peace of mind you deserve. Here information you need to know about health insurance in Indonesia, enjoy reading this!

General Health Information in Indonesia

The cost of healthcare in Indonesia is relatively cheap. Even at private international hospitals that are considered expensive, they would only charge you about USD 50 for a consultation fee. It can be much lower when you go to clinics or public hospitals.

Even though healthcare is relatively cheap, there are still reasons why you would need health insurance. The costs can quickly escalate when you have more serious health issues. Some hospitals in Indonesia may refuse to treat you for various reasons. For example, they may claim that they are fully occupied, consider that Indonesia lacks medical facilities. Having health insurance means that you won’t need to think twice to go to hospitals in Indonesia. Also, hospitals have fewer reasons to reject you since they know that insurance will pay for your treatment. With insurance, you can also save amounts of your money in certain cases.

Medical Facility in Indonesia 

Indonesia is a country that has many populations than other countries in South East Asia, Indonesia is dubbed as a very crowded country. Also, Indonesia is the fourth most populated country in the world, with an estimated population of 267,670,543 in 2018.

Because of how vast and populated it is, Indonesia has many problems with medical facilities. There is a big difference between hospitals in cities and those in rural. If you live in Jakarta or Bali, you can find hospitals with international standards there, such as Siloam Hospital, BIMC, and Pondok Indah Hospital. If you live in rural areas, your options might be community health centers or clinics with a few doctors that speak limited English.

Another problem is that hospitals in Indonesia can be overcrowded, especially for hospitals that partner with BPJS, the public insurance program in Indonesia. If you happen to have serious major illnesses, you should get treatment in other countries.

Do Some Research About The Insurance 

If you are an expat, the company you work for usually provides health insurance for their employees. But, if they don’t, you probably should find health insurance by yourself. Before you decide which insurance you choose, it is better to do some research about the company. Also, you need to know what you get from the coverage package that they offer. Be sure that you understand what medical coverage your company provides or the insurance you choose for regular medical concerns or serious illnesses, and make sure it is suitable for your needs and expectations.

Do some research about the cost too, so you can prepare the budget you’ll need for the insurance. Good medical insurance is not cheap, nor is emergency medical evacuation, so most people will take costs into account when making their decisions on medical insurance coverage. Besides finding out from their website, it is important to ask all your options to your friends and coworkers to avoid biased opinions.

BPJS

BPJS is the name of the government agency that runs the national universal healthcare program in Indonesia called JKN. This program was introduced in 2013 and has become one of the world’s largest national universal health care programs, with over a hundred million people insured by it.

There are two types of BPJS: BPJS Health for healthcare coverage and BPJS Employment for social security. BPJS Health focuses on providing healthcare, while BPJS Employment focuses on providing compensation related to work, dismemberment, and death.

BPJS for healthcare coverage has full coverage without coverage limits, age, and pre-existing conditions. If you have BPJS, you will receive medical services in Indonesia, not only for yourself but also for your family living in Indonesia.

BPJS for healthcare is separated into three class systems: Class I, Class II, and Class III. The main differences between each class are how much you need to pay per month and the facilities you get during hospitalization.

Private Health Insurance

When you don’t want to rely only on BPJS, you can choose private insurance. Even many people, including locals and expats, prefer to choose private insurance rather than public insurance. Private insurance companies are usually used to pay the remaining amount that isn’t covered by BPJS. Some may even ignore BPJS and focus on their private insurance so that they can go to any hospital they want with full health coverage and get more comfortable facilities.

Here are the lists of private health insurance that can be your option while in Indonesia:

AXA Insurance Indonesia

AXA Insurance Indonesia is part of the AXA Insurance Group that has 105 million members in over 60 countries. It is one of the best insurance providers in the world. As a global insurance provider, they also accept expats as their members. Interbrand has deemed them as the number one insurance brand for ten years in a row from 2009 – 2018. As one of the global leaders of insurance providers, they are dedicated to protecting all of their client’s well being.

They are committed to serving all of their customers, both individuals, and companies, by providing services such as insurance. Some of their services are personal health protection for an individual or family and inpatient and outpatient coverage. For expats, you can relax as they also have a network of partner hospitals throughout the world.

Phone Number: 1 500 940

Website: axa.co.id

Address: Kuningan City AXA Tower 17th Floor, Jl. Prof. DR. Satrio No.Kav. 18, RT.14/RW.4, Kuningan, Karet Kuningan, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12940

Opening Hours: 08.00 – 17.00 (Monday – Friday)

Cigna

Cigna Insurance Indonesia is probably one of the best health insurance providers for expats in this country. Established in Indonesia in 1990, they are one of the subsidiaries of the Cigna Corporation. They are a very large global insurance company with branches and offices around the world. With an approximate amount of 100 million customers, they have expanded their companies in over 200 countries. The company has a very large medical network that expat healthcare clients can use once they are covered.

They’re ideal for expats who want their health insurance provider to have an excellent service that provides great bonuses. Their plans provide coverages for inpatients, out-patients, day patients, mental health, and many more. Their plans consist of three main levels, Silver, Gold, and Platinum, each with their benefits. There is also no age limit for applying for a membership as long as you remain an expat.

Phone Number: +6221 1500033

Website: cigna.co.id

Address: Gedung Tempo Pavilion 2, Jalan H.R. Rasuna Said Kav. 10, RT.5/RW.2, Kuningan, Kuningan Tim., Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12950 

Opening Hours:

08.00 – 17.00 (Monday – Friday)

09.00 – 14.00 (Saturday)

Aetna

This insurance company was established in 1853 in Connecticut and since then has been leading the world’s insurance industry. They have more than 800.000 members all over the world that are covered by their insurance policies. They’ll also help you secure medical care and other health purposes and update your tax policies via health informational technology.

They endow their prospects with the cost estimation outlook before starting a plan. They have 4 plans that you can choose that provide benefits in healthcare such as inpatient and outpatient benefits. They’ll also help you secure medical care and other health purposes and update your tax policies via health informational technology.

Phone Number: +6221 29655880

Website: aetnainternational.com

Address: Sentral Senayan II, 16th floor, Jl Asia Afrika, Jl. Gelora Bung Karno No.8, RT.1/RW.3, Gelora, Central Jakarta City, Jakarta 10270

Opening Hours: 08.00 – 18.00 (Monday – Friday)

• Integra Global
• Bupa
• IMG

Allianz Care Indonesia

Allianz has been one of the best and biggest insurance providers in the world since they’ve opened in 1980. Indonesia is one of the countries that have Allianz as one of its most subscribed healthcare insurance providers. They opened a branch in Indonesia in 1981 and since then have taken care of almost 7 million members. They have an excellent global medical network that is ideal for expats who want a high-quality insurance provider.

They are offering three levels of healthcare insurance, Essential, Classic, and Premier. Each has its benefits and all of them can cover you for hospital-related care and even outpatient care. They also provide coverage for dental care in all levels and maternity care in Premier. Expats can rest assured that they will be covered by Allianz even though they’re in a foreign country.

Phone Number: +6221 1500136

Website: allianz.co.id

Address: Kawasan Kuningan Persada Super Blok 2, Allianz Tower, Jalan Haji R. Rasuna Said, RT.1/RW.6, Guntur, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12940

Opening Hours: 08.00 – 17.00 (Monday – Friday)

Luke Medikal International 

As an expat in Indonesia, it is better to be protected when in a foreign country. Luke Medikal International has your back and will cover your healthcare expenses. They are one of the leading insurance companies in the world with partners like the Aetna Group and AXA Group. With their insurance, our health can be protected with the best service you can get. Since medical needs differ across people, your comprehensive healthcare plan can be devised with your needs, recommendations, suggestions, and budget.

Their insurance service will cover all of your medical needs until the end of your stay. They also offer healthcare plans for families that will get consultations and advice from experts. Some of the services they will provide you are a 24/7 emergency contact line, emergency dental care, and emergency medical treatment.

Phone Number: +62 21 22604632 

Website: lukemedikal.co.id

Address: Springhill Office Tower Lt. 3E, JI. Benyamin Suaeb Blok D7, Pademangan Timur, Pademangan, Kota Jakarta Utara, DKI Jakarta 14410

That’s it! Hopefully, this information will help you find the best insurance that suits your needs and expectation in Indonesia! There are many foreign joint insurance companies with offices in Jakarta and Bali that sell medical products, hospitalization, and other general insurance products.

You can also buy health insurance or travel plans from a company based in your home country that provides some medical coverage for overseas travel. However, you must be very sure about the restrictions and exceptions to the plan.