Allianz Health Insurance in Indonesia for Expats (2026)
Allianz Care international plans are ideal for expats in Indonesia. Care plans come in three tiers, with limits from USD $2,500,000 to USD $5,000,000. These comprehensive plans also come with add-on options for outpatient, repatriation, maternity, and dental care.
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Pacific Prime’s State of Health Insurance Report 2025 details why Indonesia’s medical system struggles and new Financial Services Authority requirements should lead expats to prioritize reliable health insurance, like Allianz.
In this article we’ll detail Allianz’s international plans, compare top insurance providers for Indonesia, and more. If you’re ready to get a quote, contact our brokers.
What Allianz Health Insurance is Best for Expats?
Allianz International’s Care plans are best for expats. Allianz Life Indonesia plans are primarily designed for Indonesian citizens who only need local coverage. Allianz International Care plans feature worldwide coverage.
Allianz Care international plans annual maximums are:
- Care: USD $2,500,000
- Care Plus: USD $ 4,000,000
- Care Pro: USD $5,000,000.
All Allianz Care plans include:
- Day-care treatment
- Diagnostic tests
- Inpatient organ transplant
- Kidney dialysis
- Local ambulance
- Medical evacuation
- Nursing at home
- Oncology
- Palliative care
- Physician and therapist fees
- Prescribed drugs
- Private room
- Psychiatry and psychotherapy
- Rehabilitation treatment
- Second medical opinion
- Surgeries
Allianz’s international plans also include the following digital tools:
- MyHealth App: Add or change personal details, access your membership card, manage claims, and more.
- Olive: Find guides on fitness and nutrition, online health assessments, and more.
- Health Steps App: Get personalized guidance to lose weight, get better sleep, and more.
- Travel Security Services: Speak to a security specialist about safety concerns and get alerts about high-risk events happening near you.
- Expat Assistance Program: Get professional counseling, incident support, and more for workplace challenges, cultural transition, etc.
Add-On Outpatient Plans
Allianz’s add-on outpatient Active, Active Plus, and Active Pro plans cover video consultations, medical practitioner fees, prescribed medications, specialist fees, and diagnostic tests.
Add-On Dental Plans
Allianz’s add-on dental plans are the Smile (USD $1,500 maximum) and Smile Plus (unlimited maximum) plans. Periodontics, orthodontics treatments, and dental prostheses have a ten-month waiting period.
Add-On Maternity Plans
The Bloom and Bloom Plus maternity plans are available to expats who purchase the Care Plus or Care Pro core plans and who have also purchased the Outpatient add-on plan. Allianz maternity plans have a ten-month waiting period.
Allianz Maternity Plans for Expats in Indonesia |
||
|---|---|---|
| Bloom | Bloom Plus | |
| Routine Maternity
(Includes inpatient and outpatient treatment) |
USD $6,750 per pregnancy | USD $13,500 per pregnancy |
| Complications of Childbirth
(Inpatient treatment) |
USD $13,500 per pregnancy | USD $20,250 per pregnancy |
Add-On Repatriation Plan
Allianz’s Repatriation plan covers medical repatriation, USD $4,050 for someone accompanying a repatriated person, USD $2,700 in travel costs for insured family members in the event of a repatriation, and USD $2,025 for travel costs of insured members to be with a family member who may or has died.
Why Expats Choose Allianz for Indonesia
Expats in Indonesia choose Allianz for their customizable plans, accessible pricing, and USD direct billing at top Indonesian hospitals like Premier Jatinegara and Siloam Hospitals.
Expats who live in Indonesia for more than six months must register for the National Health Insurance Program, but private international coverage is highly recommended: the quality of Indonesia’s healthcare system is variable, with many serious medical cases requiring transportation to Singapore.
How Much Does Allianz Health Insurance Cost?
Allianz costs are lower than many others, with basic international plans as low as USD $1,500 annually. According to Pacific Prime’s 2024 Cost of International Health Insurance Report, individuals in Indonesia paid a yearly average of USD $4,734, while families averaged USD $12,909.
See how Allianz’s estimated yearly averages compare to AXA, Cigna, and IMG.
International Health Insurance Estimated Yearly Cost Comparison: AXA vs. Allianz vs. Cigna vs. IMG (USD) |
|||
|---|---|---|---|
| Insurer | Age 30 | Age 45 | Age 60 |
| 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+ |
| IMG | $1,200–$3,000+ | $1,200–$3,500+ | $2,500–$6,000+ |
Frequently Asked Questions
Can I use U.S. health insurance in Indonesia?
U.S. health insurance, including Medicaid, will not cover you in Indonesia. Expats without international health insurance must pay for all medical care out of pocket.
What health insurance is best for expats living abroad?
International health insurance provides the best coverage for expats living abroad because coverage is comprehensive, portable, and grants expats access to top-tier private hospitals.
Is healthcare in Bali good?
Bali has some of the best healthcare in Indonesia, especially at Siloam and BIMC hospitals.
To learn more about the cost of insurance, see “How Much Does Health Insurance Cost in Indonesia?” or use our free quote tool.
Conclusion
Allianz is ideal for thrifty expats moving to Indonesia who want comprehensive, reliable worldwide coverage, direct billing, and expat-focused benefits. Talk to our 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.
- Cigna Health Insurance in Indonesia: Expat Guide (2026) - September 11, 2026
- Allianz Health Insurance in Indonesia for Expats (2026) - September 11, 2026
- Digital Nomads in Bali & Indonesia: Visas + Health Insurance (2026) - September 10, 2026
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