Health Insurance in Indonesia

Indonesia’s public healthcare system has its limitations, with the most advanced facilities primarily centered around Jakarta. Foreigners residing in Indonesia can access public hospitals, but they should be prepared for long queues and potential language barriers when communicating with Indonesian medical staff. It’s worth noting that public hospitals in Indonesia may have limited access to specialists and medical equipment.

Foreigners living in Indonesia have access to Indonesian public healthcare, also known as BPJS Kesehatan, which stands for “Badan Penyelenggara Jaminan Sosial Kesehatan” (Social Security Administration for Health).

Eligibility: 

• To be eligible for BPJS Kesehatan as a foreigner, you generally need to have a residence or work permit for a duration of 6 months or more.
• Foreigners who are legally employed by a company in Indonesia are automatically enrolled in the Indonesian social security program, which includes BPJS Kesehatan coverage.

Coverage: BPJS Kesehatan provides basic healthcare coverage at public facilities in Indonesia. This can include: Doctor visits, Hospitalizations and some prescribed medications

Limitations: The level of coverage from BPJS is much more limited compared to private health insurance in terms of treatments and procedures, and sum covered. 
It’s also important to note that BPJS Kesehatan does not cover treatment at private facilities.

Considerations:

• Language Barriers: Communicating with medical staff at public hospitals may be challenging due to language barriers. 
• Quality of Care: The quality of care at public hospitals in Indonesia can vary. Larger cities generally have more advanced facilities and experienced staff.

Recommendation:

While BPJS Kesehatan offers basic coverage, expatriates living in Indonesia are recommended to get a private international health insurance to ensure comprehensive coverage for their medical needs.

Yes, there are private hospitals and clinics across Indonesia, offering higher service standards compared to the public sector. Expatriates living in Indonesia also have the option to seek medical treatment in neighboring countries such as Singapore or Thailand, which are popular medical destinations. Therefore, having global medical coverage that aligns with your lifestyle and medical care preferences is crucial.

LUMA members residing in Indonesia commonly choose to visit hospitals like Siloam Hospitals, BIMC Hospitals, and RS Hospitals within the country. You can explore all the hospitals and clinics within LUMA’s network in Indonesia by checking our preferred Medical Network.

Check LUMA’s preferred Medical Network to see all hospitals and clinics within LUMA’s network in Indonesia.

1. Pollution: Indonesia’s dense population and large cities often experience high levels of pollution, leading to respiratory chronic conditions such as allergies and asthma.

2. Tropical Diseases: Indonesia is prone to tropical diseases, including mosquito-borne illnesses like Malaria and Dengue.

3. Road Accidents: Road accidents pose a significant risk for residents of Indonesia.

   While there are no specific vaccines required for entry into the country, it is strongly recommended that you follow your home country’s routine vaccination schedule, which can be found on your country’s embassy website. Additionally, consulting with local doctors is advisable, as there may be specific vaccines strongly recommended for those living in Indonesia, such as the Japanese Encephalitis Vaccine for children.

In Indonesia, ambulances often entail low-equipped, paid transportation services. We strongly recommend that foreigners residing in Indonesia keep emergency contacts provided by their health insurance provider and preferred hospital readily available to anticipate and address any emergency situations.

Our Customer Service team can connect you with our internal Medical team. They’ll help you find a qualified doctor for your condition. 

If you’re seeking a Second Medical Opinion, our Medical Team can coordinate that process for you.

Expats in Indonesia and Indonesian citizens residing in Indonesia are eligible to apply to LUMA health insurance solutions in Indonesia.

Applicants must be not more than 70 years old at the time of application but the policies are renewable after that.