Top 10 Insurance Companies in Indonesia for Expats (2026)

The top insurance companies for expats in Indonesia include AXA, AIA, Bupa, Allianz, Cigna, and many more. These providers offer comprehensive health insurance plans tailored to the diverse needs of expats, with a range of coverage options and benefits. 

While Indonesia offers low-cost public healthcare and a public insurance scheme (BPJS Kesehatan), public facilities can be overcrowded, understaffed, and have limited English. Expats often opt for care in private hospitals comparable to international standards, using private health insurance. 

Choosing the right health insurance in Indonesia depends on factors like coverage area, benefits, and plan types. In this Pacific Prime article, we’ll break down the ten best insurance companies and what they offer to help you make an informed decision and secure the right coverage in Indonesia. 

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Best Health Insurance Providers for Expats in Indonesia

Some notable health insurance providers for expats in Indonesia include AXA, AIA, Cigna, Bupa, and more. Each insurer will offer comprehensive coverage for expats living in Indonesia thanks to different plan categories. 

Below are notable health insurance companies for expats in Indonesia.

• AXA
• AIA
• AIG
• Bupa Global
• Allianz Care
• IMG Global
• Blue Cross Blue Shield Global Solutions
• VUMI
• Cigna
• William Russell

AXA: Comprehensive Coverage for Expats in Indonesia

As a global company, AXA combines local knowledge with global expertise to support members around the world, including in Indonesia. Their international health insurance options include the Foundation, Standard, Comprehensive, Prestige, and Prestige Plus plans, each with varying levels of benefits. 

• Foundation: Annual plan limit of USD $400,000 (Rp6.736.467.680)
• Standard: Annual plan limit of USD $1,600,000 (Rp26.945.870.720)
• Comprehensive: Annual plan limit of USD $2,400,000 (Rp40.416.000.000)
• Prestige: Annual plan limit of USD $3,200,000 (Rp53.888.000.000) 
• Prestige Plus: Annual plan limit of USD $8,000,000 (Rp134.723.908.800)

The Foundation plan covers inpatient hospital fees and surgeries, emergency care, medical evacuation and repatriation, cancer treatment, ambulances, and scans (MRI, CT, and PET). You also have the option of adding outpatient treatment, examinations, vaccinations, drugs, and dressings coverage. 

The Standard plan covers the same areas as the Foundation plan with the addition of dental coverage. The Comprehensive plan once again covers the same areas as the Standard plan, while adding chronic conditions and eye examinations as well as prescription glasses. 

The Prestige plan and its Prestige Plus counterpart cover the same areas as the previously mentioned comprehensive plan, with additional maternity and annual health checkup coverage. 

If you would like to learn more about annual limits and other medical insurance products from AXA, please check out our page on AXA for further reading. 

AIA: Flexible Health Insurance Plans for Expats in Indonesia

AIA offers private health insurance plans to cover various expats’ unique healthcare needs. While exact details of AIA’s health insurance policies will vary across their regions, they generally share hospitalization and emergency coverage as well as the following optional benefits. 

• Preventative care
• Dental care
• Optical care
• Maternity care
• Mental health care

For more information on any of AIA’s other medical insurance products, please reach out to our insurance experts. 

AIG: Travel Insurance for Expats in Indonesia

AIG is a global insurer operating in over 70 countries across the Americas, Europe, Asia, and beyond. It offers travel insurance for individuals and families traveling abroad, keeping them protected against unexpected travel mishaps and medical emergencies.

Their core Travel Guard series is customizable with comprehensive benefits and various add-on options to meet expats’ unique needs. Each plan comes with 24/7 travel emergency assistance to support you anytime in your journey.  

Bupa Global: Tailored Coverage for Expats in Indonesia

Bupa Global offers expat health insurance, and the plans will vary depending on where you live. Bupa Global offers its four main health insurance plans: Major Medical, Select, Premier, and Elite. Major Medical is the simplest tier, while Elite is the most comprehensive. 

Below are the annual benefit limits of each of Bupa Global’s health insurance plans.

Allianz Care: Expansive Health Insurance Plans for Expats in Indonesia

Allianz Care is a leading international health insurance provider with an A+ Superior rating by A.M. Best Rating. Their three expat health insurance plans include the Allianz Care Base plan, the Allianz Care Enhanced plan, and the Allianz Care Signature plan. 

The Allianz Care Base plan provides a USD $1,350,000 (Rp22.735.350.000) annual plan limit and covers private inpatient and day-care hospital rooms, diagnostic tests, oncology, medical evacuation, home nursing, rehabilitation, and emergency outpatient care. 

The Allianz Care Enhanced comes with a USD $2,700,000 (Rp45.470.700.000) plan limit and covers the same areas as the Allianz Care Base, with the addition of maternity coverage, preventive surgery, bariatric surgery, and drug and alcohol addiction treatment.   

The Allianz Care Signature plan also covers the same areas as the aforementioned Allianz Care Plus plan, with the addition of laser eye treatment coverage. This plan offers an annual limit as high as USD $5,000,000 (Rp84.205.000.000). 

Below are the maximum plan limits for each plan.

IMG Global: Customizable Health Insurance Solutions for Expats in Indonesia

IMG Global is a top-rated insurance company, offering a wide range of plans that serve the needs of expats and travelers. Their Global Medical international health insurance plans available for expats include the Bronze, Silver, Gold, and Platinum plans. 

The most basic plan, Global Medical Bronze, includes essential medical services such as inpatient and outpatient treatment, prescription drugs, and emergency care. Higher-tier plans offer broader coverage, all with optional riders to add on top of your selected core plan. 

• Dental rider (available only for bronze, silver, and gold plans)
• Vision rider (available only for bronze, silver, and gold plans)
• Global term life insurance 
• Terrorism (available only for platinum plans)
• Sports rider (available only for gold and platinum plans)

Blue Cross Blue Shield Global Solutions: Global Health Insurance for Expats in Indonesia

Featuring both short and long-term health insurance overseas, Blue Cross Blue Shield Global Solutions has an extensive network of healthcare providers across multiple countries, and their 24/7 phone, mobile, online, and telemedicine service allows round-the-clock access for members. 

Their international health plans stand out for providing unlimited annual health coverage with outstanding within-U.S and outside U.S. coverage, from preventive care, doctor visits, emergency care, mental health and substance abuse to rehabilitations and medical evacuation. 

U.S. citizens living in Indonesia who often travel back and forth to the U.S. will likely find plans from BCBS Global Solutions to suit their needs most. 

VUMI: Specialized Health Insurance for Expats

VUMI offers a wide range of international health insurance policies for expats to choose from. Their Global Flex VIP comes in five different coverage tiers: Global Flex VIP Basic, Global Flex VIP Standard, Global Flex VIP Superior, Global Flex VIP Ultra, and Global Flex VIP Total. 

• Global Flex VIP Basic: Annual plan limit of USD $3,000,000 (Rp50.520.000.000)
• Global Flex VIP Standard: Annual plan limit of USD $3,500,000 (Rp58.940.000.000)
• Global Flex VIP Superior: Annual plan limit of USD $4,000,000 (Rp67.360.000.000)
• Global Flex VIP Ultra: Annual plan limit of USD $4,500,000 (Rp75.780.000.000)
• Global Flex VIP Total: Annual plan limit of USD $5,000,000 (Rp84.200.000.000)

All plans cover hospitalization, day-care treatment, outpatient surgery, GP and specialist visits, prescription drugs, HIV/AIDS, maternity complications, newborn cover, and medical evacuation, with benefits becoming more comprehensive in higher-tier plans, though waiting periods may apply. 

Do keep in mind that applicants must be 74 years or younger in order to qualify for VUMI’s Global Flex VIP plans. 

Cigna: Global Coverage Options for Expats in Indonesia

Cigna Global’s four tiers of international health insurance plans, consisting of the Silver, Gold, Platinum, and Close Care plans, all offer worldwide coverage as well as the option for US coverage. However, it’s worth noting that the close care plan can only offer domestic coverage. 

Below are each of the plans’ different annual limits. 

William Russell: Affordable Health Insurance for Expats in Indonesia

William Russell’s international health insurance plans, consisting of the Bronze, Silver,  Silver Lite, and Gold plans, are all designed for expats’ various healthcare needs while also remaining accessible for different budget ranges. 

These plans also allow personalized hospital benefits selections and will vary across coverage limits. Below are each of the plans’ annual benefit limits. 

Frequently Asked Questions

Is health insurance required in Indonesia?

All residents, including expats, must register with Indonesia’s national healthcare system. However, most residents and expats also prefer having additional private health insurance coverage for greater hospital and specialist selections as well as additional benefits. 

How much does health insurance cost in Indonesia?

According to Pacific Prime’s Cost of Health Insurance Report 2024, expats in Indonesia pay an average of USD $4,734 annually for international health insurance, while the average yearly premium for families is USD $12,909.

Is USD $1,000 enough to live on per month in Bali?

It may be possible to live in Bali with USD $1,000 per month. However, keep in mind that this will depend on your lifestyle choices, such as dining, amenities, or activities. Thus, it’s crucial to budget carefully. 

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Conclusion

Leading insurance companies for expats in Indonesia include AXA, AIA, AIG, Bupa Global, Allianz Care, IMG, BCBS Global Solutions, VUMI, Cigna, and William Russell. From different tiers of coverage to top-rated customer support, each insurer has something for every expat living in Indonesia. 

As an international health insurance broker with over 25 years of experience, Pacific Prime has helped countless expats and local citizens find an appropriate health insurance plan that suits both their budget range and unique health insurance needs. 

Whether you’re an expat living in Indonesia or a local Indonesian citizen yourself, our team of specialists will be more than happy to help you with impartial advice at no additional cost. If you have any questions, please get in touch with us or get a free quote here. 

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Palida Weerawat

Palida is a passionate writer who is now creating content at Pacific Prime Thailand. She recently earned a bachelor’s degree in English from the Faculty of Arts, Chulalongkorn University, where she received formal training to write clearly and effectively. While studying, Palida had experiences publishing social and cultural features on social media platforms and working as an English tutor, where she refined her skills in breaking down complex ideas and explaining them in a simple, straightforward manner—skills that she has transitioned into delivering insurance-related content.

With her background as an avid traveler and as an exchange student in Spain, Palida values the benefits of insurance and understands the frustrations that may come with making the best decisions for your health and safety in an unknown environment. Here at Pacific Prime, she aspires to create content that will help expats and travelers understand international health insurance with ease.

In her spare time, Palida enjoys reading short stories as much as binging on sitcoms. She is also a self-proclaimed "foodie" with the goal of trying as many cuisines from all over the world as possible. Combining her passion for writing with her love for food, she is an aspiring Google Local Guide reviewer.

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