AXA Health Insurance in Indonesia for Expats (2026)
AXA Global Healthcare offers five international health insurance plans for expats in Indonesia: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. AXA Mandiri is a partnership between PT Bank Mandiri and AXA that offers local-only conventional and sharia-compliant insurance plans.
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Indonesia’s medical system is strained, as outlined in Pacific Prime’s State of Health Insurance Report 2025. This strain and the Financial Services Authority requirement that insurers hold at least IDR 1 trillion in equity by 2028 makes finding a leading insurer like AXA a top priority for expats.
In this article we’ll detail AXA’s international plans, compare top insurance providers for Indonesia, and more. If you’re ready to get a quote, contact our brokers.
What AXA Health Insurance is Best for Expats in 2026?
International health insurance is the best choice for expats in Indonesia. Plans through Mandiri are designed for locals, while AXA Global’s international plans cater to expats with customizable modular plans.
All AXA international plans cover:
- Ambulance transport
- Cancer care
- CT, PET and MRI scans
- Emergency services
- Evacuation
- Hospital charges and surgery
- Mind health services
- Repatriation
- Second medical opinion
- Virtual doctor services
Here is a breakdown of other AXA plan benefits:
AXA International Health Insurance Plan Comparison (USD/IDR) |
|||||
|---|---|---|---|---|---|
| Foundation | Standard | Comprehensive | Prestige | Prestige Plus | |
| Dental care (not check-ups) | No | Yes | Yes | Yes | Yes |
| Outpatient treatment, tests and vaccinations | Optional | Optional | Yes | Yes | Yes |
| Outpatient drugs and dressings | Optional | Optional | Yes | Yes | Yes |
| Chronic conditions | No | No | Yes | Yes | Yes |
| Eye tests and prescription glasses | No | No | Yes | Yes | Yes |
| Routine pregnancy cover | No | No | No | Yes | Yes |
| Annual health checks | No | No | Optional | Yes | Yes |
| Overall annual plan limit | USD $400,000IDR 7,089,998,680 | $1,600,000IDR 28,359,994,720 | $2,400,000IDR 42,539,992,080 | $3,200,000IDR 56,719,989,440 | $8,000,000IDR 141,799,973,600 |
Expats can further customize their AXA plans with maternity benefits (on the Prestige and Prestige Plus plans) and outpatient coverage. Outpatient coverage is included with the Comprehensive, Prestige, and Prestige Plus plans and is available as an upgrade on the Foundation and Standard plans.
AXA’s outpatient coverage includes surgical treatment, physiotherapy, diagnostic tests, vaccinations, and more.
Why Choose AXA as an Expat in Indonesia
Expats moving to Indonesia choose AXA because of the company’s customizable options, their medical network of 1.9 million providers, their USD direct billing at top Indonesian hospitals like Premier Jatinegara and Siloam Hospitals, and their quick claims process.
Some expats are tempted to use Indonesia’s National Health Insurance Program, but private international coverage is strongly recommended since private hospitals often require proof of coverage before treatment and public plans are not fully comprehensive.
Indonesia’s healthcare system can be spotty: serious medical cases can even require transportation to Singapore, which is very expensive without medical evacuation coverage.
How Does AXA Health Insurance Compare to Other Insurers?
AXA international health insurance prices range from around USD $1,500 annually for a 30-year-old up to over USD $12,000 for a top-of-the-line plan for older individuals. This puts AXA in line with other international insurer averages in Indonesia.
Pacific Prime’s Cost of International Health Insurance Report from 2024 charts that individual plans in Indonesia increased by 1% from USD $4,686 in 2023 to USD $4,734 in 2024, while family plans increased by 10% from USD $11,764 in 2023 to USD $12,909 in 2024.
See the table below to compare AXA’s price to other popular insurance providers like Allianz and Cigna.
International Health Insurance Cost Comparison: AXA vs. Allianz vs. Cigna (USD) |
|||
|---|---|---|---|
| Insurer | Age 30 (Annual Estimate) | Age 45 (Annual Estimate) | Age 60 (Annual Estimate) |
| AXA | $1,500–$3,500 | $2,500–$6,000 | $4,500–$12,000+ |
| Allianz | $1,200–$4,200+ | $1,500–$4,500+ | $2,100–$5,000+ |
| Cigna | $3,000–$4,200+ | $2,200–$5,800+ | $3,000–$7,000+ |
To find out more about the cost of insurance, check out our article “How Much Does Health Insurance Cost in Indonesia?” or use our free quote tool.
Frequently Asked Questions
What happens if I travel internationally while I have regular U.S. health insurance?
U.S. health insurance, including Medicaid and Medicare, will not cover you abroad. Without travel medical insurance or international health insurance, you will be left to pay for all medical care yourself.
What is the best international health insurance for expats?
AXA is one of the top international health insurance choices for expats. Cigna is popular with Americans, and Bupa is a favorite for premium services.
How much does AXA international health insurance cost per month?
Comprehensive international health coverage costs can be as low as USD $140 per month, with prices increasing with additional benefits.
Conclusion: How to Pick the Right AXA Plan for You
AXA is ideal for expats moving to Indonesia who want flexible and reliable worldwide coverage options, a large medical network, and convenient direct billing. Talk to our experienced brokers to pick a plan or to compare quotes.
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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