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Healthcare Costs in Indonesia: What Expats Need to Know
As trusted experts in expat insurance in Asia, Alea provides all the information you need about Healthcare systems and costs in Indonesia.
Last update:
8th May 2025
8th May 2025
As trusted experts in expat insurance in Asia, Alea provides all the information you need about Healthcare systems and costs in Indonesia.
Last update: 8th May 2025
Living in Indonesia as an expat gives you increasing economic possibilities and exposes you to a rich culture. However, the Indonesian healthcare system is still in development, with its costs and quality varying between the public and private sectors. Without proper health insurance, medical expenses can become significant, especially when seeking private or specialist care.
As trusted experts in expat health insurance in Asia , Alea provides all the essential information you need to navigate Indonesia’s healthcare system.
1. Understanding the Healthcare System in Indonesia: Public vs. Private
Indonesia’s healthcare system is structured into three tiers: primary, secondary, and tertiary care. These three tiers are brought by either public or private providers. The government is actively expanding access and improving the system’s quality, but disparities remain - especially between urban and rural areas.
Public healthcare in Indonesia: Affordable but Variable quality
Pros:
- Extensive system of community health centers providing basic and preventive treatment.
- Affordable care for residents and insured patients under the national health insurance scheme: BPJS Kesehatan national insurance.
- Growing government investment aimed at improving infrastructure and access in rural areas.
Cons:
- Longer waiting times and limited specialist availability.
- Varying quality and facilities, particularly in rural areas.
- Expats are generally not eligible for government subsidies and often face out-of-pocket costs.
Private Hospitals and Clinics: Preferred by Expats for Quality and Speed.
Pros:
- Modern facilities with international standards and English-speaking staff.
- Shorter waiting times and more personalized care.
- Access to advanced diagnostics and specialist services.
Cons:
- Costs can be 3 to 10 times higher than public facilities.
- Upfront payment is usually required before treatment.
- Many local insurance plans offer limited coverage for expats, making international health insurance essential.
2. How Much Does Healthcare Cost for Expats in Indonesia?
Consultations & Routine Medical Care
The healthcare costs vary greatly depending on the facility and its location. Below are typical price ranges in Rupiah (IDR) and approximate EURO equivalents.
| Type of service | Public hospital | Private hospital | Internationale clinic |
|---|---|---|---|
| Generalist consultation | 100,000 – 300,000 IDR (approx. 5–15 Euros) | 500,000 – 1,500,000 IDR (approx. 25–80 Euros) | 1,000,000 – 3,000,000 IDR (approx. 50–160 Euros) |
| Specialist consultation | 300,000 – 700,000 IDR (approx. 15–35 Euros) | 1,500,000 – 4,000,000 IDR (approx. 25–210 Euros) | 3,000,000 – 7,000,000 IDR (approx. 160–370 Euros) |
| Pediatric consultation | 150,000 – 400,000 IDR (approx. 10–20 Euros) | 700,000 – 2,000,000 IDR (approx. 35–100Euros) | 2,000,000 – 5,000,000 IDR (approx. 100–260 Euros) |
| CT scanner / MRI | 1,000,000 – 3,000,000 IDR (approx. 50–160 Euros) | 3,000,000 – 8,000,000 IDR (approx. 160–420 Euros) | 5,000,000 – 12,000,000 IDR (approx. 260–630 Euros) |
Hospitalization & Emergency Care
| Hospitalization & Emergency care | Public hospital | Private hospital | Internationale clinic |
|---|---|---|---|
| Hospital Stay (1 night) | 100,000 – 300,000 IDR (approx. 20–45Euros) | 1,000,000 – 3,000,000 IDR (approx. 65–195 Euros) | 3,000,000 – 8,000,000 IDR (approx. 195–520 Euros) |
| Minor Surgery | 2,000,000 – 5,000,000 IDR (approx. 130–325 Euros) | 5,000,000 – 15,000,000 IDR (approx. 325–975Euros) | 10,000,000 – 25,000,000 IDR (approx. 650–1,625 Euros) |
| Major Surgery | 5,000,000 – 15,000,000 IDR (approx. 325–975 Euros) | 15,000,000 – 40,000,000 IDR (approx. 975–2,600Euros) | 30,000,000 – 70,000,000 IDR (approx. 1,950–4,550 Euros) |
⚠ Important: Most private hospitals and international clinics require upfront payment or deposits if you do not have adequate international health insurance coverage.
3.Vaccinations & Preventative Healthcare in Indonesia
Routine vaccinations and preventative care are available but costs and quality vary by facility.
- Public hospitals: Some vaccinations are subsidized for residents, but availability and quality control are not always guaranteed.
- International clinics: Offer Western-standard vaccines but at higher costs.
Average vaccination costs in Indonesia:
Public hospital: 150,000 - 300,000 IDR per dose (10 -15 EUR)
International clinic: 500,000 - 1,000,000 IDR per dose (25 - 50 EUR)
💡 Tip: If you plan to get vaccinated locally, ensure the vaccines meet international standards recognized by European or American health authorities.
4. Do Expats in Indonesia Need Health Insurance?
With rising medical inflation in Indonesia, which is estimated at 19.4% in 2025, and different healthcare qualities depending on the sectors, having international health insurance is essential for expats.
Why is Expat Health Insurance a Must-have?
- Covers high medical costs, including consultations, hospitalization, surgeries, and specialist treatments.
- Grants access to private hospitals and international clinics without having to pay upfront.
- Provides emergency medical evacuation coverage.
- Covers tropical and infectious diseases that are common in the region, such as dengue fever and malaria.
As a leading insurance broker for expats in Asia, Alea helps you compare top international health insurers - including APRIL, Henner, and MSH—to secure the best coverage at the best price for you and your family!
