IMG Global Health Insurance in Indonesia (2026)
IMG’s Global Medical insurance plans give expats in Indonesia four tiers to choose from, with maximum limits ranging from USD $1,000,000 up to USD $8,000,000 for premium coverage.
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Pacific Prime’s State of Health Insurance Report 2025 outlines Indonesia’s strained medical sector and the Financial Services Authority (OJK) requirement that insurers hold at least IDR 1 trillion in equity by 2028, making finding a leading insurer like IMG important for coverage stability.
In this article we’ll detail IMG’s Global Medical plans, compare top insurance providers for Indonesia, and more. If you’re ready to get a quote, contact our brokers, or keep reading below.
What IMG Health Insurance is Best for Expats in 2026?
IMG Global Medical Insurance plans come in four tiers: Bronze, Silver, Gold, and Platinum. Each tier provides worldwide coverage for expats living in Thailand for a year or more. Here is a brief overview of each tier’s offerings:
- Bronze: The maximum limit is USD $1,000,000, and deductible options range from USD $250 to USD $10,000. Optional coverage includes dental and vision riders and term life insurance. This tier excludes cover for any pre-existing conditions.
- Silver: The maximum limit is USD $5,000,000, and deductible options range from USD $250 to USD $10,000. Optional coverage includes dental and vision riders and term life insurance. This tier offers options for pre-existing condition coverage after a 24-month waiting period.
- Gold: The maximum limit is USD $5,000,000, and deductible options range from USD $250 to USD $25,000. Optional coverage includes dental and vision riders, a sports rider, and term life insurance. This tier offers options for pre-existing condition coverage after a 24-month waiting period.
- Platinum: The maximum limit is USD $8,000,000, and deductible options range from USD $100 to USD $25,000. Optional coverage includes a terrorism rider, sports rider, and term life insurance. This tier provides cover for qualifying pre-existing conditions without a waiting period.
Why Choose IMG as an Expat in Indonesia
IMG offers direct billing at top Indonesian hospitals like Premier Jatinegara and Siloam Hospitals. This is desirable to help expats avoid costly upfront charges and the need to file a claim for reimbursement. IMG also offers USD billing and medical evacuation coverage.
Some expats think that because private health insurance is not legally required to enter Indonesia, they should simply opt in to Indonesia’s National Health Insurance Program (JKN), which is required if they reside or work in the country for at least six months.
However, it is strongly recommended to purchase private international coverage since private hospitals often require upfront payment or proof of coverage before treating patients and public plans are not fully comprehensive.
Because Indonesia’s healthcare system isn’t always reliable, serious medical cases often require transportation to Singapore, which can be extremely costly without private coverage from a reputable provider like IMG.
Comparison of IMG Health Insurance to Competitors for Expats
IMG is less expensive than Bupa but can be more expensive than Allianz. Our table below gives estimated costs by age for a basic plan from top providers Allianz, Bupa, Cigna, and IMG.
International Health Insurance Cost Comparison: Allianz vs. Bupa vs. Cigna vs. IMG (USD) |
|||
|---|---|---|---|
| Insurer | Age 30 (Annual Estimate) | Age 45 (Annual Estimate) | Age 60 (Annual Estimate) |
| Allianz | $1,200–$4,200+ | $1,500–$4,500+ | $2,100–$5,000+ |
| 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+ |
Pacific Prime’s Cost of International Health Insurance Report from 2024 states that the price of individuals 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.
This puts IMG as aligning with average health insurance prices in Indonesia. To find out more about the major factors determining the cost of your premium, check out our article “How Much Does Health Insurance Cost in Indonesia?”
Frequently Asked Questions
Is IMG Global health insurance good for expats in Indonesia?
IMG is a highly rated US-based international health insurance company. They offer direct billing at top locations across Indonesia and competitive premium pricing, but some customers cite slower claims processing.
How expensive is IMG health insurance?
Health insurance costs are highly individual and depend on health history, age, and desired coverage, but IMG premiums can range from just over USD $1,000 to over USD $6,000 annually.
Is health insurance required to go to Indonesia?
Health insurance is not required for travelers or expats entering Indonesia, but it is highly recommended to avoid costly medical bills.
Conclusion: How to Pick the Right IMG Plan for You
IMG is ideal for expats moving to Indonesia who want flexible worldwide coverage options without paying top dollar. 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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