• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
International Citizens Insurance
  • Home
  • Individual Plans
    ▼
    • International Health Insurance
      ▼
      • Best Global Medical Insurance Companies
      • International Student Insurance
      • Overseas Health Insurance
    • Expatriate Insurance
      ▼
      • Insurance for American Expats Abroad
      • Canadian Expats – Insurance and Overseas Health
      • Health Insurance for UK Citizens Living Abroad
      • Expat Insurance for Japanese Abroad
      • Expat Insurance for Germans Living Abroad
    • Travel Insurance
      ▼
      • Travel Health Insurance
      • Trip Cancellation Insurance
      • Annual Travel Insurance
      • Visitors Insurance
      • Top 10 Travel Insurance Companies
      • The Best Travel Insurance for Seniors
      • Evacuation Insurance Plans
      • International Student Insurance
    • International Life Insurance
      ▼
      • International Life Insurance for US Citizens Living Abroad
      • The Importance of a Life Insurance Review for Expats
  • Group Plans
    ▼
    • Corporate and Employee Groups
    • Group Global Medical Insurance
    • Group Travel Insurance
    • Group Life Insurance
    • Foreign General Liability for Organizations
    • Missionary Groups
    • School & Student Groups
    • Volunteer Programs and Non-Profits
  • Insurance Companies
    ▼
    • Cigna Global Insurance Company
      ▼
      • Cigna Global Health Insurance
    • GeoBlue
      ▼
      • Xplorer Health Insurance Plan
      • Voyager Travel Medical Plan
      • Navigator Health Insurance Plan
      • Trekker Annual Multi-Trip Travel Insurance
    • International Medical Group
      ▼
      • Global Medical Insurance Plan
      • Patriot Travel Insurance
      • Global Prima Medical Insurance
      • Student Health Advantage
      • Patriot Exchange – Insurance for Students
    • Now Health
      ▼
      • SimpleCare Health Plan
      • WorldCare Health Plan
    • Seven Corners Travel Insurance
    • Trawick International
      ▼
      • Trawick Safe Travels USA
    • Unisure International Insurance
    • William Russell Insurance
      ▼
      • William Russell Life Insurance
      • William Russell Health Insurance
    • WorldTrips
      ▼
      • Atlas Travel Insurance
      • StudentSecure Insurance
  • Compare
    ▼
    • Compare Global Health Insurance Plans
    • Compare Travel Insurance Plans
  • Country Guides
    ▼
    • Health Insurance Plans in North and Central America
      ▼
      • Health Insurance in the USA
      • Health Insurance in Mexico
      • Health Insurance in Canada
    • Health Insurance in South America
      ▼
      • Health Insurance in Argentina
      • Health Insurance in Colombia for Foreigners
      • Health Insurance in Chile
    • European Health Insurance
      ▼
      • UK Health Insurance Plans for Foreigners
      • Health Insurance in Germany
      • French Health Insurance
      • Italian Health Insurance
      • Health Insurance in Sweden for Foreigners
      • Portuguese Health Insurance
      • Health Insurance in Spain for Foreigners
    • Health Insurance Plans in Asia
      ▼
      • Health Insurance in China
      • Health Insurance in Japan
      • Health Insurance in Dubai
      • Health Insurance in India
      • Thailand Health Insurance
      • Malaysian Health Insurance for Foreigners
      • Health Insurance in Singapore for Foreigners
    • Understanding Health Insurance in Oceania
      ▼
      • Australian Health Insurance for Foreigners
      • Health Insurance in New Zealand
    • Health Insurance Options in Africa
      ▼
      • South Africa Health Insurance for Foreigners
    • Travel Insurance Plans by Country
      ▼
      • USA Travel Insurance
      • Australia Travel Insurance
      • Travel Insurance for Mexico
  • Resources
    ▼
    • News, Global Health Advice, and Travel Tips
    • Insurance Articles
    • Travel Advice and Tips
    • International Hospitals for Expatriates
      ▼
      • Best Hospitals in the United States
      • Best International Hospitals in the UK
      • Best Hospitals in Mexico
Request a free international health care quote

Or call for a quote:
877-758-4881
+44 (20) 35450909

International Citizens Insurance

Medical, Life and Travel Plans!

U.S. 877-758-4881 - Intl. +44 (20) 35450909

Request a Quote
  • Home
  • Individual Plans
    • International Health Insurance
      • Best Global Medical Insurance Companies
      • International Student Insurance
      • Overseas Health Insurance
    • Expatriate Insurance
      • Insurance for American Expats Abroad
      • Canadian Expats – Insurance and Overseas Health
      • Health Insurance for UK Citizens Living Abroad
      • Expat Insurance for Japanese Abroad
      • Expat Insurance for Germans Living Abroad
    • Travel Insurance
      • Travel Health Insurance
      • Trip Cancellation Insurance
      • Annual Travel Insurance
      • Visitors Insurance
      • Top 10 Travel Insurance Companies
      • The Best Travel Insurance for Seniors
      • Evacuation Insurance Plans
      • International Student Insurance
    • International Life Insurance
      • International Life Insurance for US Citizens Living Abroad
      • The Importance of a Life Insurance Review for Expats
  • Group Plans
    • Corporate and Employee Groups
    • Group Global Medical Insurance
    • Group Travel Insurance
    • Group Life Insurance
    • Foreign General Liability for Organizations
    • Missionary Groups
    • School & Student Groups
    • Volunteer Programs and Non-Profits
  • Insurance Companies
    • Cigna Global Insurance Company
      • Cigna Global Health Insurance
    • GeoBlue
      • Xplorer Health Insurance Plan
      • Voyager Travel Medical Plan
      • Navigator Health Insurance Plan
      • Trekker Annual Multi-Trip Travel Insurance
    • International Medical Group
      • Global Medical Insurance Plan
      • Patriot Travel Insurance
      • Global Prima Medical Insurance
      • Student Health Advantage
      • Patriot Exchange – Insurance for Students
    • Now Health
      • SimpleCare Health Plan
      • WorldCare Health Plan
    • Seven Corners Travel Insurance
    • Trawick International
      • Trawick Safe Travels USA
    • Unisure International Insurance
    • William Russell Insurance
      • William Russell Life Insurance
      • William Russell Health Insurance
    • WorldTrips
      • Atlas Travel Insurance
      • StudentSecure Insurance
  • Compare
    • Compare Global Health Insurance Plans
    • Compare Travel Insurance Plans
  • Country Guides
    • Health Insurance Plans in North and Central America
      • Health Insurance in the USA
      • Health Insurance in Mexico
      • Health Insurance in Canada
    • Health Insurance in South America
      • Health Insurance in Argentina
      • Health Insurance in Colombia for Foreigners
      • Health Insurance in Chile
    • European Health Insurance
      • UK Health Insurance Plans for Foreigners
      • Health Insurance in Germany
      • French Health Insurance
      • Italian Health Insurance
      • Health Insurance in Sweden for Foreigners
      • Portuguese Health Insurance
      • Health Insurance in Spain for Foreigners
    • Health Insurance Plans in Asia
      • Health Insurance in China
      • Health Insurance in Japan
      • Health Insurance in Dubai
      • Health Insurance in India
      • Thailand Health Insurance
      • Malaysian Health Insurance for Foreigners
      • Health Insurance in Singapore for Foreigners
    • Understanding Health Insurance in Oceania
      • Australian Health Insurance for Foreigners
      • Health Insurance in New Zealand
    • Health Insurance Options in Africa
      • South Africa Health Insurance for Foreigners
    • Travel Insurance Plans by Country
      • USA Travel Insurance
      • Australia Travel Insurance
      • Travel Insurance for Mexico
  • Resources
    • News, Global Health Advice, and Travel Tips
    • Insurance Articles
    • Travel Advice and Tips
    • International Hospitals for Expatriates
      • Best Hospitals in the United States
      • Best International Hospitals in the UK
      • Best Hospitals in Mexico
Home > International Plans > Global Health Insurance > Health Insurance Plans in Asia > Health Insurance in Indonesia

Health Insurance in Indonesia

Indonesian doctor with patientHealth Insurance in Indonesia For Foreigners and Expats

Indonesia’s healthcare system has a few bright spots but many challenges. Ranked 92nd by the World Health Organization, Indonesia has undertaken ambitious plans to improve universal access to care across the board. Additionally, patient facilities in Jakarta continue to improve. However, the standard of public healthcare in Indonesia is far beneath what most expats are used to. The situation is so serious that the US State Department itself declares that “Sanitation and health care conditions in Indonesia are far below U.S. standards. Routine medical care is available in all major cities, although most expatriates leave the country for all but the most basic medical procedures. Psychological and psychiatric services are limited throughout Indonesia.” With these stern words in mind, here’s what would-be expats should know about health insurance in Indonesia.

International Insurance

Find the Best International Medical Insurance

  • Compare multiple quotes and coverage options
  • Work with an insurance expert at no additional cost
  • Find the best plan for your needs and budget
Learn More | Get a Quote
Explore Plans
Get a Quote

Overview of Indonesia’s National Health Insurance System

The Indonesian healthcare system is a mix of private insurance plans and basic, government-funded care. In 2014, Indonesia launched a mandatory health insurance program. Called Jaminan Kesehatan Nasional (JKN), it’s designed to bring basic medical treatment and facilities to all citizens.

The JKN program carries heavy expectations that it will evolve into a comprehensive universal healthcare program. If it succeeds, it could be the largest publicly funded healthcare system in the world. But for now, its progress is stymied. Among the most serious obstacles are hospitals and clinics themselves, many of which haven’t opted to join the program. As such, patients are left to cobble together usable solutions using a combination of facilities.

The facilities that make up Indonesia’s healthcare system, such as it is, are organized in tiers. At the top are community health centers, known as puskesmas. In the middle are health sub-centers. And at the third level are village-level integrated posts.

Benefits of a Global Medical Insurance Plan

The quality of public healthcare in Indonesia falls short of the standards that most expats are used to. For that reason, the vast majority hold an international health insurance plan.

Holding private insurance gives expats the option to receive healthcare in private hospitals and clinics. There, patients will find modern, comfortable services at an international standard. Additionally, private facilities are much more likely to have English speaking staff than their public counterparts.

An important aspect of any private insurance policy for foreigners living in Indonesia is air evacuation. Not only is such an option important for those living in rural and remote areas, but it’s also essential for emergency transportation to Singapore. Singapore’s health insurance services are outstanding and often fill the gaps where Indonesia’s system fails.

US Citizens Living in Indonesia: Best Medical Insurance

GeoBlue Xplorer Global Medical Insurance

Xplorer Worldwide Medical Plan

  • Premium Benefits, Coverage and Service
  • Define your deductible and prescription benefits
  • For Foreigners in the US or US citizens abroad
Plan Details | View Brochure
Plan Details
Get a Quote

Best Health Insurance Options for Living in Indonesia

International Medical Group Logo

IMG Global Medical Plan

  • Four plan options and additional optional coverages
  • Choice of the coverage area to reflect your geographical area of need
  • Freedom to choose your health care provider wherever you are in the world
Plan Details | View Brochure
Plan Details
Get a Quote

 

Now Health International

Now Health WorldCare Plan‎

  • WorldCare is one of the most comprehensive, benefit-rich products in the international health insurance market today
  • Access to world-class health facilities worldwide
  • Talk to global member support 24/7/365
Plan Details | View Brochure
Plan Details
Get a Quote

 

Pros and Cons of Using the Local Health Insurance System

Indonesia has inadequate public healthcare. Wait times are long and some specialists are hard to find. As well, it is common for public healthcare facilities to be understaffed, overcrowded, and lacking patient privacy. Few facilities can be described as sparkling clean and diagnostic equipment is often out of date. As well, it’s important for expats to note that most doctors and nurses in the public healthcare system don’t speak English.

However, in rural areas, a public clinic is often your only recourse for local healthcare. It’s a smart idea to familiarize yourself with your nearest health center’s hours, services, and staff qualifications.

How Expats Can Qualify For Health Insurance

As part of the effort to expand the number of people enrolled, everyone who is formally employed in Indonesia is required to register in the JKN program, which itself is administered by the Badan Penyelenggara Jaminan Sosial or BPJS social security program. Program enrollees include expats, as long as they’re part of the formal employment sector.

The terms of BPJS don’t allow for exclusion on the basis of pre-existing conditions. However, in order to receive treatment, you must visit a participating clinic or hospital. Alas, only a small proportion of eligible facilities have signed up. As such, you’re signing on for a program that you can only use in limited circumstances.

What You Need To Know About Processes

If you’re an expat working in a professional capacity in Indonesia, your employer is obligated to register you and your family members in the JKN program. In order to claim eligibility, you must be working in the country for at least six months. Upon registration, you and your family members will receive BPJS cards. You need to bring this card with you when you visit public hospitals, clinics, or puskesmas.

Your employer will also arrange for an automatic salary deduction to pay for the program. The BPJS premium is equal to 5% of your monthly salary, 4% of which is paid by the employer and 1% is paid for by the employee.

How Routine Doctor Visits Work

Most expats, especially those in Jakarta, utilize group practice medical clinics. In many ways, these are like very small hospitals. In addition to general practitioners, they have a wide range of specialists on staff and can take care of most medical concerns. Clinic services often include laboratories, radiology centers, pharmacies, dental care, psychiatry, physiotherapy, and more. In some cases, they even offer emergency room services and ambulance care.

While group practice medical clinics offer comprehensive care, new residents might still experience culture shock. In Indonesian culture, doctors are afforded tremendous respect and are seen as figures of authority. This might be difficult for foreigners who are used to prodding their family doctors for second opinions or detailed explanations of diagnosis might experience some push back.

After all medical appointments, you’ll have to settle your bill in cash. Keep all paperwork so you can then submit your receipts for insurance reimbursement. Note that very few medical facilities in Indonesia accept credit card payments.

International Insurance

Find the Best International Medical Insurance

  • Compare multiple quotes and coverage options
  • Work with an insurance expert at no additional cost
  • Find the best plan for your needs and budget
Learn More | Get a Quote
Explore Plans
Get a Quote

How To Find A Family Physician

If you’re generally a healthy person who rarely visits the doctor, you might not be too worried about finding a doctor in Indonesia. However, the country has innate conditions that may threaten your health. From air pollution to tropical diseases to traffic accidents, Indonesia isn’t exactly a healthy living destination despite its many yoga retreats and beachside wellness centers.

Expats well established in Indonesia recommend working with your insurance broker to get a list of English-speaking physicians in your area. From there, you can narrow down your choices based on hours of operation, breadth of services, and reputation. Having a clinic and practitioner you’re comfortable with before it’s absolutely needed is a tremendously practical step in a country where comprehensive care is lacking.

Related:

  • Health Insurance Plans in Asia
  • Expatriate Health Insurance

Primary Sidebar

Search Website

Related Pages

  • Health Insurance for Foreigners in Japan
  • Health Insurance in China for Foreigners
  • Health Insurance in Dubai
  • Health Insurance in India for Foreigners
  • Health Insurance in Indonesia
  • Health Insurance in Israel for Foreigners
  • Health Insurance in Malaysia for Foreigners
  • Health Insurance in Singapore for Foreigners
  • Health Insurance in South Korea
  • Health Insurance in Thailand for Foreigners
  • Health Insurance in the Philippines
  • Health Insurance in Vietnam for Foreigners

International Citizens Insurance

Offering the best international health, life, and travel plans.

Pick a Plan


We Contact You

One of our expert international advisors will respond to you promptly.

Request a Quote Today

Get a fast, free, international insurance quote.

Request a Quote

Footer

Global Medical Plans

International Health Insurance
Cigna Global Health
GeoBlue Xplorer Premier
IMG Global Medical
William Russell
Expatriate Plans
Travel Medical Plans

Specialty Coverage

Overseas Health Insurance
US Citizens Abroad
US Health Insurance
Senior Travel Insurance
Visitors Insurance Coverage
Nomad Travel Insurance
Annual Multi Trip

Company Info

About Us
The Team
International Brokers
Testimonials
Agents / Affiliates
Group Services

Customer Service

United States 877-758-4881
US Direct 617-500-6738
International +44 (20) 35450909
US Travel Insurance Association Member International Citizens Insurance Business Review

18 Shipyard Drive, Hingham, MA 02043 USA | info@internationalinsurance.com

Contact US | Privacy Policy | Licensing | Sitemap

Copyright © 2025, International Citizens Insurance, an International Citizens Group, Inc. company


International Citizens Insurance is a licensed agency providing guidance on international insurance plans. Select products and services listed on this site may not be available to citizens or residents of certain countries.
This site provides consolidated and summary descriptions of insurance plans, benefits, conditions, limitations, and exclusions. A certificate containing the complete certificate wording with all terms, conditions, and exclusions will be provided at the time of purchase or upon request. For additional advice and guidance, contact us for assistance.
International Citizens Insurance is a subsidiary of International Citizens Group, Inc. In the State of California, operating as International Citizens Insurance Agency. California Non-Resident Producer License Number: 6005545.

By continuing to browse this website you are agreeing to our use of cookies.