How Much Does Health Insurance Cost in Indonesia?
The average cost of an individual international health insurance plan in Indonesia was USD $4,764 (around IDR 79,088,430) in 2024. Expats working in Indonesia can qualify for the public health insurance scheme, BPJS Kesehatan, which costs around 1% of their monthly salary.
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Are you an expat moving to Indonesia? Are you unsure of what the average premium is for health insurance in the country? The insurance experts at Pacific Prime have created this guide to help you understand what you can expect to pay for health insurance in Indonesia.
We will share the average health insurance costs in Indonesia, explain the factors that affect insurance premiums, and more. Keep reading to learn more, or click here for a free health insurance quote!
Health Insurance Costs in Indonesia for Expats
What expats pay for health insurance in Indonesia will depend on whether they have a private plan or are enrolled in the public health insurance scheme, BPJS Kesehatan. This public health insurance is only available for working expats who plan to work in Indonesia for six or more months.
Public Health Insurance Costs in Indonesia
Expats enrolled in the BPJS Kesehatan public health insurance scheme will pay around 1% of their monthly earnings for coverage. This public health insurance plan covers hospitalization fees, preventative care, and medication costs.
Expats who aren’t employed in Indonesia will not be eligible for public health insurance. They will need to provide their own health insurance coverage through a private plan.
Private Health Insurance Costs in Indonesia
An individual international health insurance plan in Indonesia was USD $4,764 (around IDR 79,088,430) on average in 2024, with a family plan costing USD $12,909 (around IDR 215,709,390). Health insurance costs for the country will vary depending on the provider and plan.
Prices for health insurance plans differ across insurance companies. Private health insurance plans from local providers may be less expensive than international health insurance providers, but they offer less geographical coverage and may offer lower maximum limits.
Private health insurance rates can rise or fall annually. Pacific Prime’s data shows us a 1% increase in individual international health insurance premiums for Indonesia from 2023 to 2024. Family health insurance premiums rose more rapidly, with a 10% increase from 2023 to 2024.
Comparing Indonesia Health Insurance Costs to Other Asian Countries
Indonesia is a less expensive country to purchase health insurance from when compared to Malaysia, Bangladesh, and other Asian countries. The table below illustrates the cost of private health insurance in Indonesia compared to other Asian countries.
Individual International Health Insurance Annual Premiums in Asia |
|
| Country | Annual Average Premium (2024) |
| South Korea | USD $5,226 (around IDR 87,326,460) |
| Malaysia | USD $4,969 (around IDR 83,031,990) |
| Bangladesh | USD $4,948 (around IDR 82,681,080) |
| Myanmar | USD $4,904 (around IDR 81,945,840) |
| Indonesia | USD $4,764 (around IDR 79,088,430) |
| India | USD $4,715 (around IDR 78,787,650) |
| Thailand | USD $4,695 (around IDR 78,453,450) |
| Philippines | USD $4,597 (around IDR 76,815,870) |
| Vietnam | USD $4,547 (around IDR 75,980,370) |
The cost of family health insurance in Indonesia will vary depending on the number of dependents you have. Indonesia follows a similar trend of being a cheaper Asian country from which to purchase family policies, though more expensive than the Philippines or Vietnam.
We have compared average costs of family health insurance premiums across Asia in the table below.
Family International Health Insurance Annual Premiums in Asia |
|
| Country | Annual Average Premium (2024) |
| South Korea | USD $14,660 (around IDR 244,968,600) |
| Malaysia | USD $13,889 (around IDR 232,085,190) |
| Myanmar | USD $13,718 (around IDR 229,227,780) |
| Bangladesh | USD $13,678 (around IDR 228,559,380) |
| India | USD $13,016 (around IDR 217,497,360) |
| Indonesia | USD $12,909 (around IDR 215,709,390) |
| Philippines | USD $12,668 (around IDR 211,682,280) |
| Vietnam | USD $12,505 (around IDR 208,958,550) |
| Pakistan | USD $11,837 (around IDR 199,412,021) |
These average costs are proprietary data collected by Pacific Prime through their experience with helping expats find health insurance solutions that work for them.
Factors That Affect Health Insurance Costs in Indonesia
Factors that affect health insurance costs in Indonesia can include age and health history, coverage level of your plan, your deductible, and more. Public health insurance and private health insurance will have different factors that affect their costs for expats.
- Your Age: Your age will affect your insurance premium due to insurance providers charging more for older individuals. This is due to the higher financial risk associated with insuring older individuals.
- The Number of Your Dependents: The number of dependents in your household (if you have them) will directly affect your insurance premium by increasing it per dependent.
- The Coverage Level of Your Plan: Plans with high levels of coverage and high annual maximum limits will always cost more than basic plans that only offer emergency coverage. This includes plans with specialized coverage like outpatient, vision, and dental.
- Your Deductible: Whether you choose a low, medium, or high deductible will directly affect your premium. The deductible is the amount the policyholder pays before the insurance company begins to pay. High-deductible plans cost less than low-deductible plans.
- Your Health History: Your health history, including any pre-existing conditions, will affect your health insurance premiums. Some insurance providers won’t cover your pre-existing condition, or if they do, they will at a higher premium.
- Your Income: For public health insurance, your monthly contributions will depend on your income. Employed expats will have their monthly contributions taken out of their paychecks, while self-employed expats will have to pay based on their income.
To learn more about the factors that affect the cost of health insurance, download our guide, The Cost of International Health Insurance Report 2024.
How to Reduce Private Health Insurance Costs in Indonesia
Expats in Indonesia interested in securing a private health insurance plan can help keep their annual or monthly premiums affordable by comparing plans from different providers, customizing their coverage, and choosing a high-deductible plan.
1. Compare a Variety of Plans from Different Providers
Compare a variety of plans from different private health insurance providers before you choose a plan. You may find a plan that has higher coverage for a better price than one from a different health insurance provider. You can use free quote tools to help compare plans more efficiently.
When comparing separate plans, make sure you analyze the geographical coverage, annual limits, benefits covered, and exclusions. Take your time with this step so you don’t miss any key points. Comparing plans can help you find the most affordable solution for your health insurance needs.
2. Customize Your Health Insurance Coverage
Don’t pay for coverage you don’t need, and customize your coverage in your health insurance plan. Are you unsure if you’ll need vision coverage? Don’t choose a plan with vision riders. If you don’t think you’ll need outpatient coverage, choose inpatient-coverage-only plans.
3. Choose a High-Deductible Health Insurance Plan
Choosing a high-deductible plan can lower your annual or monthly premium. With a high-deductible plan, the insurance company will pay less upfront and shift more of the financial risk to the policyholder. This can help keep your health insurance premiums more affordable.
This option is a great choice for expats in Indonesia who are healthy with no chronic conditions and who can afford upfront costs.
Frequently Asked Questions:
What is the best health insurance for expats living in Indonesia?
The best health insurance for expats in Indonesia is a plan that fits their budget and healthcare needs. Many expats prefer international health insurance, as it offers global portability, customizable coverage, and high annual limits. Top international insurance companies include Cigna and AXA.
How much does international health insurance cost monthly in Indonesia?
The monthly cost of an international health insurance plan varies depending on the plan, provider, and coverage level. In 2024, the average monthly cost of an individual international health insurance plan in Indonesia was USD $397 (around IDR 6,630,893) in 2024.
Can expats receive free healthcare in Indonesia?
Expats can not receive free healthcare in Indonesia. They may receive subsidized medical care if they are on the BPJS Kesehatan scheme and visit a public hospital or clinic, but this coverage comes at a cost of around 1% of their monthly income.
How can expats reduce health insurance costs in Indonesia?
Expats can reduce their health insurance costs by enrolling in Indonesia’s public health insurance scheme or by choosing a high-deductible private health insurance plan with minimal additional coverage or riders.
Conclusion:
Health insurance costs vary in Indonesia depending on whether you are enrolled in the BPJS Kesehatan scheme or have a private plan. In past years, expats have paid on average USD $4,764 (around IDR 79,088,430) for individual international health insurance plans.
Are you ready to begin shopping for your private health insurance plan for Indonesia? Contact the insurance experts at Pacific Prime. We partner with a diverse range of top international health insurance providers in Indonesia, other Asian countries, and across the globe.
We are brokers with over 20 years of experience in providing insurance solutions to expats and digital nomads worldwide. We can help you understand insurance quotes and plans and offer our unbiased advice. If you’d like to compare plans on your own, feel free to use our free quote generator.
If you’d like to read more helpful guides on health insurance costs for expats, check out our articles below:
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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