A Comprehensive Guide to Health Insurance in Indonesia for Expats
Looking for expat medical insurance in Indonesia? These companies are here to help you, when you need a hand!
There’s no doubt that living in a new country is exciting. In Indonesia , there are plenty of white sandy beaches to explore, cliff jumping to conquer, climbing, mountain trails, white water rafting and new friends to be made dining at the best bruches, whilst finding out the best happy hours in town, but you also need to think about tougher times when you are travelling around Indonesia . Accidents and illnesses are common when travelling.
Expat Medical insurance in Indonesia is needed to cover critical illnesses such as cancer & heart attacks, motorcycle accidents, car accidents, serious illnesses and broken limbs.
If you’re on the hunt for the best expat medical insurance in Indonesia , here’s our guide (in no particular order) to help you out.
Best expat medical insurance in Indonesia
1. Pacific Prime
While not an independent insurance company, Prime Pacific Indonesia acts as an intermediary, helping you find the best plan available to suit your specific needs. This broker has been in business in Hong Kong for over 17 years, so they know more than a thing or two about helping people in Indonesia . Best of all, they also have branches in Shanghai, Beijing, Singapore, Dubai, and Abu Dhabi, meaning they can field phone calls locally.
Learn more at Pacific Prime
2. Bupa Global
Bupa Global: Premium international private health insurance The Bupa Global health insurance plans provide you with a global network of medical practitioners, giving you access to specialists all over the world.
Learn more about Bupa for expats in Malaysia
3. Cigna
One of the most popular insurance companies in Indonesia and across the world is Cigna, a large US-based health insurance company. Offering a selection of global health options (meaning you can be covered in more than one country if you travel a lot), Cigna works with a global network of over one million trusted hospital partners worldwide. Their flexible plans let you add on different modules such as vision, dental, and outpatient coverage too.
Learn more about Cigna
4. KSK Indonesia
Another broker available to help you find the most competitive insurance plan for you and your family is KSK Indonesia, who use BUPA Global since 1997.
Bupa International is an international health insurance service provider that has been trusted for over 60 years, with clients in more than 190 countries. KSK Indonesia has been a trusted partner distributor of Bupa since 2008.
None of their plans currently offer coverage for pre-existing conditions. Any conditions or symptoms you had before you start the plan would be considered as pre-existing. However, pre-existing conditions may be covered if they are fully declared and accepted by the insurance company.
Please note that most insurers who offer international health insurance in Indonesia do not offer coverage for pre-existing conditions.
Luma also offer some priveleges to become a member.
Learn more about Luma Health Insurance Indonesia
Make friends at these Indonesian networking events
5. Axa Insurance
Surely, it is worth paying for the best coverage from AXA in Indonesia. Meet all your needs with their comprehensive plans. Their products include travel, health, personal accident, motor, and property insurance. Be a part of AXA family. Full coverage you need with 24 hours services.
Learn more about Axa Healthcare
7. Aetna International
Exclusively providing healthcare and medical benefits for nearly 60 years, Aetna International is a renowned specialist in the health insurance industry. Aetna offers medical insurance plans for expats in Indonesia. From offering individual and family plans, to giving advice to corporations and governments, Aetna boasts a robust customer support network around the globe.
Learn more about Aetna International
8. William Russell
While William Russell is now a leading organisation among international health and life insurance providers, it actually started off as a family business in 1992. Not only does this add a personal touch to the brand, but there’s even a specialised team to cater for locals and expats in Jakarta, Indonesia. Choose from its variety of personal and business plans, and you should be good to go.
William Russell provides plans for people living and working abroad. They cover expats, individuals, professionals, families, remote workers, digital nomads, frequent travellers, startups, small and medium-sized businesses, large corporates, charities, and governmental organisations.
Lives can be insured for up to $2,000,000,
Learn more about William Russell in Indonesia
9. Other Brokers
Contact us to find other brokers which may be able to reduce the health premiums you are paying with select insurance companies. Ask about the best possible health insurance for your situation. Get the RIGHT coverage, not just the cheapest. Your health should be your number one priority.