{"id":17420,"date":"2026-03-05T18:00:12","date_gmt":"2026-03-05T10:00:12","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=17420"},"modified":"2026-03-05T20:30:13","modified_gmt":"2026-03-05T12:30:13","slug":"top-indonesia-insurance-companies-expats","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/top-indonesia-insurance-companies-expats.html","title":{"rendered":"Top 10 Insurance Companies in Indonesia for Expats (2026)"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While Indonesia offers low-cost public healthcare and a public insurance scheme (<\/span><a href=\"https:\/\/www.bpjs-kesehatan.go.id\/#\/\"><span style=\"font-weight: 400;\">BPJS Kesehatan<\/span><\/a><span style=\"font-weight: 400;\">), 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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Choosing the right health insurance in Indonesia depends on factors like coverage area, benefits, and plan types. In this Pacific Prime article, we\u2019ll break down the ten <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-top-10-providers.html\"><span style=\"font-weight: 400;\">best insurance companies<\/span><\/a><span style=\"font-weight: 400;\"> and what they offer to help you make an informed decision <\/span><span style=\"font-weight: 400;\">and secure the right coverage in <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/indonesia-health-insurance-pacific-prime-international\/\"><span style=\"font-weight: 400;\">Indonesia<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Best Health Insurance Providers for Expats in Indonesia<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-29246 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/distant-skyline-of-east-jakarta-with-clustered-high-rise-buildings-across-the-urban-horizon.webp\" alt=\"Image of Distant Skyline Of East Jakarta With Clustered High-rise Buildings Across The Urban Horizon with text overlay of &quot;Best Health Insurance Providers for Expats in Indonesia&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/distant-skyline-of-east-jakarta-with-clustered-high-rise-buildings-across-the-urban-horizon.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/distant-skyline-of-east-jakarta-with-clustered-high-rise-buildings-across-the-urban-horizon-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/distant-skyline-of-east-jakarta-with-clustered-high-rise-buildings-across-the-urban-horizon-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/distant-skyline-of-east-jakarta-with-clustered-high-rise-buildings-across-the-urban-horizon-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/distant-skyline-of-east-jakarta-with-clustered-high-rise-buildings-across-the-urban-horizon-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are notable health insurance companies for expats in Indonesia.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurers-aia\/\"><span style=\"font-weight: 400;\">AIA<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-aig\/\"><span style=\"font-weight: 400;\">AIG<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/bupa\/\"><span style=\"font-weight: 400;\">Bupa Global<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz Care<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG Global<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/geoblue\/\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/william-russell\/\"><span style=\"font-weight: 400;\">William Russell<\/span><\/a><\/li>\n<\/ul>\n<h2><b>AXA: Comprehensive Coverage for Expats in Indonesia<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">As a global company, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA<\/span><\/a><span style=\"font-weight: 400;\"> 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.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Foundation:<\/b><span style=\"font-weight: 400;\"> Annual plan limit of<\/span> <span style=\"font-weight: 400;\">USD $400,000 (Rp6.736.467.680)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Standard: <\/b><span style=\"font-weight: 400;\">Annual plan limit of<\/span> <span style=\"font-weight: 400;\">USD $1,600,000 (Rp26.945.870.720)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comprehensive:<\/b><span style=\"font-weight: 400;\"> Annual plan limit of<\/span> <span style=\"font-weight: 400;\">USD $2,400,000 (Rp40.416.000.000)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prestige:<\/b><span style=\"font-weight: 400;\"> Annual plan limit of<\/span> <span style=\"font-weight: 400;\">USD $3,200,000 (Rp53.888.000.000)\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prestige Plus: <\/b><span style=\"font-weight: 400;\">Annual plan limit of<\/span> <span style=\"font-weight: 400;\">USD $8,000,000 (Rp134.723.908.800)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The <\/span><b>Foundation <\/b><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><b>Standard <\/b><span style=\"font-weight: 400;\">plan covers the same areas as the <\/span><span style=\"font-weight: 400;\">Foundation <\/span><span style=\"font-weight: 400;\">plan with the addition of dental coverage. <\/span><span style=\"font-weight: 400;\">The <\/span><b>Comprehensive <\/b><span style=\"font-weight: 400;\">plan once again covers the same areas as the Standard plan, while adding chronic conditions and eye examinations as well as prescription glasses.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><b>Prestige <\/b><span style=\"font-weight: 400;\">plan and its <\/span><b>Prestige Plus <\/b><span style=\"font-weight: 400;\">counterpart cover the same areas as the previously mentioned comprehensive plan, with additional maternity and annual health checkup coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you would like to learn more about annual limits and other medical insurance products from AXA, please check out <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">our page on AXA<\/span><\/a><span style=\"font-weight: 400;\"> for further reading.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-24' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_5.jpg\" alt=\"blog banner asia 5\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><b>AIA: Flexible Health Insurance Plans for Expats<\/b><b> in Indonesia<\/b><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurers-aia\/\"><span style=\"font-weight: 400;\">AIA<\/span><\/a> <span style=\"font-weight: 400;\">offers private health insurance plans to cover various expats\u2019 unique healthcare needs. While exact details of AIA\u2019s health insurance policies will vary across their regions, they generally share hospitalization and emergency coverage as well as the following optional benefits.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preventative care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dental care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Optical care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maternity care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mental health care<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For more information on any of AIA\u2019s other medical insurance products, please <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">reach out to our insurance experts.\u00a0<\/span><\/a><\/p>\n<h2><b>AIG: Travel Insurance for Expats <\/b><b>in Indonesia<\/b><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-aig\/\"><span style=\"font-weight: 400;\">AIG<\/span><\/a><span style=\"font-weight: 400;\"> 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Their core<\/span><b> Travel Guard<\/b><span style=\"font-weight: 400;\"> series is customizable with comprehensive benefits and various add-on options to meet expats\u2019 unique needs. Each plan comes with 24\/7 travel emergency assistance to support you anytime in your journey.\u00a0\u00a0<\/span><\/p>\n<h2><b>Bupa Global: Tailored Coverage for Expats <\/b><b>in Indonesia<\/b><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/bupa\/\"><span style=\"font-weight: 400;\">Bupa Global<\/span><\/a><span style=\"font-weight: 400;\"> offers expat health insurance, and the plans will vary depending on where you live. Bupa Global offers its four main health insurance plans: <\/span><b>Major Medical<\/b><span style=\"font-weight: 400;\">, <\/span><b>Select<\/b><span style=\"font-weight: 400;\">, <\/span><b>Premier<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Elite<\/b><span style=\"font-weight: 400;\">. Major Medical is the simplest tier, while Elite is the most comprehensive.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are the annual benefit limits of each of Bupa Global\u2019s health insurance plans.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Plan<\/b><\/td>\n<td><b>Annual Benefit Limit (GBP)<\/b><\/td>\n<td><b>Equivalent in U.S. Dollars (USD)<\/b><\/td>\n<td><b>Equivalent in Indonesian Rupiah <\/b><b>(IDR)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Major Medical<\/span><\/td>\n<td><span style=\"font-weight: 400;\">GBP 2,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,704,930<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp45.837.160.000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Select<\/span><\/td>\n<td><span style=\"font-weight: 400;\">GBP 1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $1,352,300<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp22.921.590.000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Premier<\/span><\/td>\n<td><span style=\"font-weight: 400;\">GBP 1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,028,720<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp34.382.385.000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Elite<\/span><\/td>\n<td><span style=\"font-weight: 400;\">GBP 3,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $4,057,440<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp68.764.770.000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-23' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_4.jpg\" alt=\"blog banner asia 4\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><b>Allianz Care: Expansive Health Insurance Plans for Expats <\/b><b>in Indonesia<\/b><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz Care<\/span><\/a><span style=\"font-weight: 400;\"> 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 <\/span><b>Allianz Care Base <\/b><span style=\"font-weight: 400;\">plan, the <\/span><b>Allianz Care Enhanced <\/b><span style=\"font-weight: 400;\">plan, and the <\/span><b>Allianz Care Signature <\/b><span style=\"font-weight: 400;\">plan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The<\/span> <b>Allianz Care Base<\/b><span style=\"font-weight: 400;\"> plan provides<\/span><b> a USD $1,350,000 (Rp22.735.350.000)<\/b> <span style=\"font-weight: 400;\">annual plan limit and covers private inpatient and day-care hospital rooms, diagnostic tests, oncology, medical evacuation, home nursing, rehabilitation, and emergency outpatient care.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><b>Allianz Care Enhanced <\/b><span style=\"font-weight: 400;\">comes with<\/span><b> a USD $2,700,000 (Rp45.470.700.000)<\/b><span style=\"font-weight: 400;\"> 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.\u00a0\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><b>A<\/b><b>llianz Care Signature <\/b><span style=\"font-weight: 400;\">plan<\/span><span style=\"font-weight: 400;\"> also covers the same areas as the aforementioned Allianz Care Plus plan, with the addition of laser eye treatment coverage. <\/span><span style=\"font-weight: 400;\">This plan offers an annual limit as high as <\/span><b>USD $5,000,000 (Rp84.205.000.000).\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Below are the maximum plan limits for each plan.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Plan<\/b><\/td>\n<td><b>Maximum Plan Limit (USD)<\/b><\/td>\n<td><b>Equivalent in Indonesian Rupiah (IDR)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Allianz Care Base<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $1,350,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp22.734.659.610<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Allianz Care Enhanced<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,700,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp45.469.319.220<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Allianz Care Signature<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $5,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp84.202.443.000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>IMG Global: Customizable Health Insurance Solutions <\/b><b>for Expats in Indonesia<\/b><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG Global<\/span><\/a><span style=\"font-weight: 400;\"> 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 <\/span><b>Bronze<\/b><span style=\"font-weight: 400;\">, <\/span><b>Silver<\/b><span style=\"font-weight: 400;\">, <\/span><b>Gold<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Platinum <\/b><span style=\"font-weight: 400;\">plans.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Dental rider (available only for bronze, silver, and gold plans)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Vision rider (available only for bronze, silver, and gold plans)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Global term life insurance\u00a0<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Terrorism (available only for platinum plans)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Sports rider (available only for gold and platinum plans)<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-22' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_3.jpg\" alt=\"blog banner asia 3\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><b>Blue Cross Blue Shield Global Solutions: Global Health Insurance for Expats <\/b><b>in Indonesia<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Featuring both short and long-term health insurance overseas, <\/span><a href=\"https:\/\/www.geobluetravelinsurance.com\/\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions<\/span><\/a> <span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Their international health plans stand out for providing <\/span><b>unlimited annual health coverage <\/b><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<h2><b>VUMI: Specialized Health Insurance for Expats<\/b><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI<\/span><\/a><span style=\"font-weight: 400;\"> 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.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Basic:<\/b><span style=\"font-weight: 400;\"> Annual plan limit of<\/span> <span style=\"font-weight: 400;\">USD $3,000,000 (Rp50.520.000.000)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Standard:<\/b><span style=\"font-weight: 400;\"> Annual plan limit of<\/span> <span style=\"font-weight: 400;\">USD $3,500,000 (Rp58.940.000.000)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Superior:<\/b><span style=\"font-weight: 400;\"> Annual plan limit of<\/span> <span style=\"font-weight: 400;\">USD $4,000,000 (Rp67.360.000.000)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Ultra: <\/b><span style=\"font-weight: 400;\">Annual plan limit of<\/span> <span style=\"font-weight: 400;\">USD $4,500,000 (Rp75.780.000.000)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Total: <\/b><span style=\"font-weight: 400;\">Annual plan limit of<\/span> <span style=\"font-weight: 400;\">USD $5,000,000 (Rp84.200.000.000)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do keep in mind that applicants must be 74 years or younger in order to qualify for VUMI\u2019s Global Flex VIP plans.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-21' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_2.jpg\" alt=\"blog banner asia 2\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><b>Cigna: Global Coverage Options for Expats<\/b><b> in Indonesia<\/b><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna Global<\/span><\/a><span style=\"font-weight: 400;\">\u2019<\/span><span style=\"font-weight: 400;\">s four tiers of international health insurance plans, consisting of the <\/span><b>Silver<\/b><span style=\"font-weight: 400;\">, <\/span><b>Gold<\/b><span style=\"font-weight: 400;\">, <\/span><b>Platinum<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Close Care <\/b><span style=\"font-weight: 400;\">plans, all offer worldwide coverage as well as the option for US coverage. However, it\u2019s worth noting that the close care plan can only offer domestic coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are each of the plans\u2019 different annual limits.\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Plan<\/b><\/td>\n<td><b>Annual Limit (USD)<\/b><\/td>\n<td><b>Equivalent in Indonesian Rupiah (IDR)\u00a0<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Close Care<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp8.420.500.000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Silver<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp16.843.000.000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Gold<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp33.686.000.000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Platinum<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>William Russell: Affordable Health Insurance for Expats <\/b><b>in Indonesia<\/b><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/william-russell\/\"><span style=\"font-weight: 400;\">William Russell<\/span><\/a><span style=\"font-weight: 400;\">\u2019<\/span><span style=\"font-weight: 400;\">s international health insurance plans, consisting of the <\/span><b>Bronze<\/b><span style=\"font-weight: 400;\">, <\/span><b>Silver<\/b><span style=\"font-weight: 400;\">,<\/span> <span style=\"font-weight: 400;\">\u00a0<\/span><b>Silver Lite<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Gold <\/b><span style=\"font-weight: 400;\">plans, are all designed for expats\u2019 various healthcare needs while also remaining accessible for different budget ranges.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These plans also allow personalized hospital benefits selections and will vary across coverage limits. Below are each of the plans\u2019 annual benefit limits.\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Plan<\/b><\/td>\n<td><b>Annual Benefit Limit (USD)<\/b><\/td>\n<td><b>Equivalent in Indonesian Rupiah (IDR)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bronze<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp25.261.500.000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Silver <\/span><i><span style=\"font-weight: 400;\">Lite\u00a0<\/span><\/i><\/td>\n<td><span style=\"font-weight: 400;\">USD $1,5000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp25.261.500.000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Silver<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp42.102.500.000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Gold<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $5,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rp84.200.000.000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-20' style='margin: 8px 0; clear: both;'>\n<!--<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_1.jpg\" alt=\"blog banner asia 1\" width=\"1138\" height=\"493\" \/><\/button><\/p>-->\n\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_1.jpg\" alt=\"blog banner asia 1\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><b>Frequently Asked Questions<\/b><\/h2>\n<h3><b>Is health insurance required in Indonesia?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">All residents, including expats, <\/span><b>must <\/b><span style=\"font-weight: 400;\">register with Indonesia\u2019s 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.\u00a0<\/span><\/p>\n<h3><b>How much does health insurance cost in Indonesia?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">According to Pacific Prime&#8217;s <\/span><a href=\"https:\/\/www.pacificprime.com\/resources\/infographic-cost-international-health-insurance-report-2024\/\"><span style=\"font-weight: 400;\">Cost of Health Insurance Report 2024<\/span><\/a><span style=\"font-weight: 400;\">, 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.<\/span><\/p>\n<h3><b>Is USD $1,000 enough to live on per month in Bali?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">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\u2019s crucial to budget carefully.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Leading insurance companies for expats in Indonesia include <\/span><b>AXA, AIA, AIG, Bupa Global, Allianz Care, IMG, BCBS Global Solutions, VUMI, Cigna, and William Russell.<\/b> <span style=\"font-weight: 400;\">From different tiers of coverage to top-rated customer support, each insurer has something for every expat living in Indonesia.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As an international health insurance broker with over <\/span><span style=\"font-weight: 400;\">25 <\/span><span style=\"font-weight: 400;\">years of experience, <\/span><a href=\"https:\/\/www.pacificprime.com\/index\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> has helped countless expats and local citizens find an appropriate <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">health insurance plan<\/span><\/a><span style=\"font-weight: 400;\"> that suits both their budget range and unique health insurance needs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re an <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/indonesia-health-insurance-pacific-prime-international\/\"><span style=\"font-weight: 400;\">expat living in Indonesia<\/span><\/a><span style=\"font-weight: 400;\"> 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 <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us-redirect\/\"><span style=\"font-weight: 400;\">get in touch with us<\/span><\/a><span style=\"font-weight: 400;\"> or get a free quote <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-redirecting\/\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Enjoyed this article? Check out our other articles below!<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/top-australia-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">Top 10 Insurance Companies in Australia for Expats<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/top-mauritius-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">Top 10 Insurance Companies in Mauritius for Expats<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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.\u00a0 While Indonesia offers low-cost public healthcare and a public insurance scheme (BPJS Kesehatan), public facilities can &#8230;<\/p>\n","protected":false},"author":95,"featured_media":29244,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-17420","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Top 10 Insurance Companies in 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