Health Insurance in Indonesia
Whether you're moving to Indonesia, already living there as an expat or having international teams, Alea helps you find the right health insurance plan from the world’s leading insurers.
~140k
Foreign nationals living in Indonesia
World-class
Private hospital network in Indonesia
50+
Insurers available
CFE 🇫🇷
CFE Top Up plans available in Indonesia
Insurance plan
What's Available
How It Works
Three steps, one advisor, free service.
1
Tell Us About You
2
We Compare Plans
3
You Choose We Handle the Rest
Healthcare System
Healthcare in Indonesia
Indonesia Healthcare at a Glance
Indonesia operates a highly uneven healthcare system. Public hospitals are affordable but suffer from underfunding, complex bureaucracy, and a severe language barrier outside major cities. Most expats rely on premium private networks (like Siloam) for Western-standard, English-speaking care. However, for complex medical emergencies, evacuation to Singapore is often required. These high private costs and evacuation risks make premium international health insurance essential.
Key Private Hospitals
Siloam Hospitals (especially Lippo Village and Semanggi), Pondok Indah, Medistra, and BIMC Bali are Indonesia's most expat-friendly options, all internationally accredited with ultra-premium facilities and world-class specialist departments.
Why private insurance matters
A single hospitalisation at a premium private facility in Indonesia (or an emergency medical evacuation to Singapore) can easily run $10,000–$40,000+ without cover. Because expats are completely excluded from the local public health system (BPJS) and face astronomical out-of-pocket fees at international-standard hospitals, most residents consider premium health insurance essential, not optional.
Visa & insurance requirements
Securing private health insurance is typically a requirement to obtain your visa. Indonesia requires expats staying over three months to obtain an employer-sponsored Temporary Stay Permit (ITAS), valid for up to a year and renewable for five years. After five years on an ITAS, or two years if married to an Indonesian citizen, expats become eligible for a Permanent Residence Permit (KITAP).
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Insurers for
Indonesia
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