Cigna Health Insurance in Indonesia: Expat Guide (2026)
Cigna offers expats in Indonesia three plans for convenient international coverage. Annual maximums range from USD $1,000,000 to unlimited, with extensive inpatient, outpatient, and evacuation coverage.
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According to Pacific Prime’s State of Health Insurance Report 2025, Indonesia continues to struggle to provide reliable medical care. These struggles and new Financial Services Authority requirements should encourage expats to secure reliable international health insurance.
In this article we’ll detail Cigna’s international plans, compare top insurance providers for Indonesia, and more. If you’re ready to get a quote, contact our brokers.
What Cigna Health Insurance is Best for Expats?
Cigna’s Silver, Gold, and Platinum plans are ideal for expats in Indonesia. The annual maximum for each plan is:
- Silver: USD $1,000,000
- Gold: USD $2,000,000
- Platinum: Unlimited
Below, we’ve detailed some of Cigna’s standard benefits.
| Cigna Health Insurance Plans: Standard Medical Benefits (USD) | |||
| Coverage Benefits | Silver | Gold | Platinum |
| Annual Limit Amount | $1,000,000 | $2,000,000 | Unlimited |
| Inpatient and Daypatient Treatment | Paid in full for a private room | Paid in full for a private room | Paid in full for a private room |
| Hospital Accommodation for Parent or Guardian | $1,000 | $1,000 | Paid in full |
| Accident and ER Treatment | $500 | $1,000 | $1,200 |
| Advanced Medical Imaging | $10,000 | $15,000 | Paid in full |
| Rehabilitation | $5,000 | $10,000 | Paid in full |
| Ambulance Services | Paid in full | Paid in full | Paid in full |
| Out-of-Area Emergency Hospitalization | $100,000 | $250,000 | Paid in full |
Here’s a detailed breakdown of some of Cigna’s outpatient benefits.
| Cigna Health Insurance Plans: Outpatient Coverage Benefits (USD) | |||
| Coverage Benefits | Silver | Gold | Platinum |
| Annual Limit Amount | $15,000 | $35,000 | Paid in full |
| Consultations with Specialists and Medical Practitioners | $2,500 | $5,000 | Paid in full |
| Prescribed Drugs | $1,500 | $3,000 | Paid in full |
| Pathology, Radiology, and Diagnostic Tests | $2,500 | $5,000 | Paid in full |
| Outpatient Rehabilitation | $5,000 | $10,000 | Paid in full |
| Prenatal and Postnatal Care | Not covered | $3,500 | $7,000 |
| Infertility Investigation and Treatment | Not covered | Not covered | $10,000 per lifetime |
| Adult Vaccinations | $250 | Paid in full | Paid in full |
| Child and Adolescent Wellbeing and Health | Paid in full | Paid in full | Paid in full |
Cigna also offers coverage for pre-existing conditions, subject to underwriting.
Does Cigna Offer Evacuation Coverage in Indonesia?
Cigna offers extensive evacuation benefits for expats, including emergency transportation, repatriation, costs for compassionate visits, and global crisis services.
Medical evacuation is critical for expats in Indonesia because the quality of Indonesia’s healthcare system is variable, with many serious medical cases requiring transportation to Singapore.
Here is a detailed breakdown of the evacuation benefits available through Cigna for each plan.
| Cigna Health Insurance Plans: Evacuation Coverage Benefits (USD) | |||
| Coverage Benefits | Silver | Gold | Platinum |
| Benefit maximum | Paid in full | Paid in full | Paid in full |
| Medical Evacuation | Paid in full | Paid in full | Paid in full |
| Medical Repatriation | Paid in full | Paid in full | Paid in full |
| Repatriation of Mortal Remains | Paid in full | Paid in full | Paid in full |
| Compassionate Visit Travel Costs | $1,200 | $1,200 | $1,200 |
How Much Does Cigna Health Insurance Cost?
Cigna costs are in line with averages for international coverage in Indonesia. According to Pacific Prime’s 2024 Cost of International Health Insurance Report, individuals in Indonesia paid an annual average of USD $4,734, and families averaged USD $12,909.
See how Cigna’s estimated yearly averages compare to Allianz, AXA, Bupa, and IMG.
International Health Insurance Estimated Yearly Cost Comparison: AXA vs. Allianz vs. Cigna vs. IMG (USD) |
|||
|---|---|---|---|
| Insurer | Age 30 | Age 45 | Age 60 |
| Allianz | $1,200–$4,200+ | $1,500–$4,500+ | $2,100–$5,000+ |
| AXA | $1,500–$3,500 | $2,500–$6,000 | $4,500–$12,000+ |
| Bupa | $2,500–$4,000+ | $3,500–$6,000+ | $4,200–$9,500+ |
| 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+ |
For more information, see “How Much Does Health Insurance Cost in Indonesia?” or use our free quote tool.
Does Cigna Have Direct Billing?
One of the top reasons expats in Indonesia choose Cigna is for their USD direct billing at top Indonesian hospitals like Siloam group, BIMC Bali, and Pondok Indah Jakarta.
How to Pick the Best Cigna Plan for Indonesia
Cigna is ideal for thrifty expats moving to Indonesia who want comprehensive worldwide coverage and USD direct billing. Talk to our brokers to pick a plan or to compare quotes.
Frequently Asked Questions
Does U.S. health insurance work in Indonesia?
U.S. health insurance, including Medicaid, will not cover you in Indonesia, leaving you to pay for all medical care yourself if you do not secure adequate health insurance.
Is health insurance necessary for Indonesia
Health insurance is legally required for most long-term expats in Indonesia. International health insurance is highly recommended to ensure access to quality medical facilities.
Is healthcare in Bali good?
Bali has some of the best healthcare in Indonesia, especially at Siloam and BIMC hospitals.
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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