Health Insurance for Seniors & Retirees in Indonesia (Bali) (2026)
Health insurance is mandatory for the E33F and E33E KITAS visas for seniors retiring to Indonesia. Securing international health insurance provides coverage stability, and the sooner you purchase coverage, the better the benefits and price.
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The Pacific Prime State of Health Insurance Report 2025 outlines how Indonesia’s medical system is overrun and undergoing drastic insurance overhauls. These factors should lead expats to prioritize reliable international health insurance.
In this article, we’ll cover health insurance requirements for Indonesia, explain pre-existing conditions coverage, compare providers for older expats, and more.
What are the Health Insurance Requirements for Expat Retirees in Indonesia?
The two tracks to retirement in Indonesia are the E33F and the E33E KITAS visas, which both require health insurance. Coverage should include a minimum of IDR 25,000,000 (about USD $1,500–$1,600) for at least one year and medical evacuation and repatriation.
Coverage must be active before you apply for your visa and should extend through your stay. Always refer to the official e-Visa Website for other qualifications and changes.
Will My Insurer Cover My Pre-existing Conditions?
Most pre-existing conditions are not automatically included in international health coverage, and some companies exclude pre-existing conditions altogether. Those who cover these conditions may require moratoriums, waiting periods, or loading.
- Moratorium Underwriting: Do not share your medical history upfront, and insurers exclude conditions from the last five years. After two continuous years on your policy without symptoms or treatment, it may become covered.
- Full Medical Underwriting: Share all your medical history when you apply for coverage, and the insurer decides whether to cover you in full, with exclusions, or not at all.
- Exclusions: Insurers cover most of your medical needs but not all of them. They exclude coverage for conditions they deem too financially risky.
- Loading: Insurers cover your pre-existing condition but charge a higher rate, usually reflected in your premium, to offset their financial risk.
Where is the Best Place to Receive Medical Care in Indonesia?
Jakarta has the best hospitals in Indonesia. Healthcare on Bali is sufficient for everyday expat and digital nomad needs, but medical care on outer islands and rural areas is unreliable and sparse.
Because Indonesia’s healthcare system is inconsistent, serious medical cases often require transportation to Singapore, which makes securing international health insurance coverage with medical evacuation a necessity.
When Should Retiree Expats Get International Health Insurance?
It is recommended that expats secure coverage before age 60 to lock in renewability, lower pricing, and to avoid pre-existing conditions exclusions.
Most companies have new-applicant age limits of under 75, with some limits being in the 60s. Starting your plan younger also guarantees you can get lifetime renewal.
Health Insurance Cost and Benefits Breakdown for Indonesian Expats
Pacific Prime’s Cost of International Health Insurance Report from 2024 shows individual plans in Indonesia averaged USD $4,734 in 2024, while family plans averaged USD $12,909.
Health insurance prices are higher for senior expats because older individuals often have more health complications. Below we’ve outlined estimated annual prices by age for a basic plan from top insurers Allianz, Bupa, and Cigna.
Annual Estimate of International Health Insurance Cost Comparison: Allianz vs. Bupa vs. Cigna (USD) |
|||
|---|---|---|---|
| Insurer | Age 55 | Age 65 | Age 70 |
| Allianz | $3,800–$5,000 | $4,000–$6,500 | $4,000–$6,500+ |
| Bupa | $5,500–$8,500 | $7,500–$17,500 | $12,000–$17,500+ |
| Cigna | $4,000–$5,000 | $6,500–$7,500 | $6,500–$7,500+ |
To find out more about the cost of insurance, check out our article “How Much Does Health Insurance Cost in Indonesia?”
Below we’ve compared some of the common concerns for senior expats securing international health insurance.
International Health Insurance for Senior Expats Comparison |
|||||
|---|---|---|---|---|---|
| Allianz | AXA | Bupa | Cigna | NOW Health | |
| New applicant age limit | Under 75 | Under 80 | Under 75 | None | Under 80 |
| Guaranteed lifetime renewal | Available, depending on starting enrollment age | Yes | Yes | Yes | Yes |
| Pre-existing conditions coverage | Available, subject to underwriting | Generally not available but subject to underwriting | Generally not available but subject to underwriting | Available, subject to underwriting | Available, subject to underwriting |
| Medical evacuation | Yes | Yes | Yes | Yes | Yes |
| Dental and vision | Yes | Yes | Yes | Yes | Yes |
Frequently Asked Questions
Will my US health insurance cover me in Indonesia?
US health insurance, including Medicaid and Medicare, does not cover you abroad. Without international health insurance, expats must pay for medical care out of pocket.
Can I work remotely or start a business on an E33F Retirement Visa?
It is against the law to work while living in Indonesia on an E33F visa.
What is the minimum age for a Retirement KITAS in 2026?
In 2026, the Silver Hair (E33E) and standard Retirement (E33F) visas are for individuals 60 years or older. Previously it was 55.
Conclusion
The sooner senior expats obtain international health insurance, the better their prices and benefits will be. Having health insurance is required for expats in Indonesia, so purchasing coverage is essential for visa approval.
Use our free quote tool, or contact our brokers to find the right plan for you.
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.
- Digital Nomads in Bali & Indonesia: Visas + Health Insurance (2026) - September 10, 2026
- Health Insurance for Seniors & Retirees in Indonesia (Bali) (2026) - September 8, 2026
- AXA Health Insurance in Indonesia for Expats (2026) - September 2, 2026
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