Health insurance in Indonesia
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Why get private health insurance in Indonesia?
Indonesia's national health scheme (Badan Penyelenggara Jaminan Sosial Kesehatan, or BPJS Kesehatan) doesn't cover everyone. It's mandatory after six months for most limited-stay (Kartu Izin Tinggal Terbatas, or KITAS, which is a Limited Stay Permit Card) and permanent permit holders, but retirees, digital nomads, and Second Home visa holders are entirely shut out.
If that's you, private cover is your only safety net. And paying out of pocket adds up fast: a private GP visit runs about IDR 800,000 (€39), and a hospital night can cost around IDR 8.8 million (€425).
Plus, most KITAS visas, including the remote worker visa, require insurance.
How does the healthcare system work in Indonesia?
The national scheme: BPJS Kesehatan
Indonesia's national health insurance (BPJS Kesehatan) covers GPs, hospital care, surgery, maternity, and mental health. Work and family permit holders are enrolled automatically after six months, but retirees, digital nomads, and Second Home visa holders aren't eligible at all.
For expat care, private hospitals in Jakarta and Bali (such as Siloam and BIMC) handle matters in English.
Indonesian pharmacies & medication
Pharmacies are easy to find in cities: Kimia Farma, K-24 (which is open 24/7), Guardian, and Watsons. Though they're sparse in rural areas. English is common in tourist areas. Antibiotics, codeine, and sleeping pills need a prescription, and ADHD stimulants are tightly restricted.
Emergency services in Indonesia
Dial 112 or 119 for an ambulance. Response times in central Jakarta are 10–15 minutes but often 30+ in traffic; Bali is slower, and rural areas have no reliable ambulance service. English on the national lines is hit-or-miss, so most expats call their hospital's direct ER line.
What expats need health insurance?
Digital nomads
The remote worker visa (E33G) explicitly rejects travel insurance: you need a long-term international health insurance plan.
Retirees
On the retirement KITAS (E33F), you're required to have private medical insurance with at least IDR 25 million (around €1,210) in cover.
Gap year & job seekers
On a visit visa (B211A/B), you can't access the national scheme, so you'll need private or travel cover to ensure you're not paying for care out of pocket.
Visa applicants
Immigration checks for proof of insurance when your visa is issued: for retirement, digital nomad, Second Home, and most other categories.
Get global health insurance that works in Indonesia
Plans from €56/month. Sign up online in minutes.
How much is health insurance in Indonesia?
Without cover, the bills add up fast: a private GP visit runs about IDR 800,000 (€39), and a hospital night costs around IDR 8.8 million (€425).
Public healthcare in Indonesia
If you're employed, 5% of your gross salary funds the national scheme (4% from your employer, 1% from you), up to a salary cap of IDR 12 million (€580). If you're self-employed, you pay a flat monthly premium by tier (about IDR 42,000 (€2) for the basic class up to IDR 150,000 (€7) for the top one).
Private medical insurance
Our plans start at €56/month for Essential and €84/month for Plus. You'll get outpatient and inpatient care, plus dental, mental health, maternity, and medical evacuation to Singapore (which most domestic plans leave out).
Visa & health insurance requirements for Indonesia
Most Indonesian KITAS visas require private health insurance. The retirement KITAS (E33F) needs at least IDR 25 million (around €1,210) in cover, and the remote worker visa (E33G) requires long-term residency cover (not travel insurance).
Accepted for all major Indonesian visas
Feather plans qualify for the retirement KITAS (E33F), remote worker visa (E33G), Second Home visa, and investor, family, and work permits.
Documents ready when you sign up
Your confirmation of cover is in your account the moment you sign up, ready for Indonesian immigration, with an Indonesian (Bahasa) translation available.
How does Feather's international health insurance work?
Choose your plan
Compare Essential and Plus, pick your deductible, and sign up in under 5 minutes. No paperwork, no medical exams.
Get your documents instantly
Your confirmation and visa-ready proof-of-coverage documents land in your account straight away.
Visit any doctor
See any licensed doctor, specialist, or hospital. No referrals, no network restrictions, no pre-approval.
Upload your bill in the app
Already paid? Open the Feather app, snap a photo of your invoice, and submit your claim in under a minute.
Get reimbursed to your account
We review your claim and reimburse you directly to your bank account. Most claims are processed within two weeks.
Cancel anytime after year one
There's a one-year minimum term. After that, cancel whenever you want. No penalties.
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Why choose Feather?
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