{"id":31219,"date":"2026-09-02T01:48:05","date_gmt":"2026-09-01T17:48:05","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=31219"},"modified":"2026-09-02T01:48:05","modified_gmt":"2026-09-01T17:48:05","slug":"img-global-health-insurance-indonesia","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/img-global-health-insurance-indonesia.html","title":{"rendered":"IMG Global Health Insurance in Indonesia (2026)"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">IMG\u2019s 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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Prime\u2019s <\/span><a href=\"https:\/\/www.pacificprime.com\/state-of-health-insurance-2025\/download-SOHI-2025?uid=1335828392\"><span style=\"font-weight: 400;\">State of Health Insurance Report 2025<\/span><\/a><span style=\"font-weight: 400;\"> outlines Indonesia\u2019s strained medical sector and the <\/span><a href=\"https:\/\/ojk.go.id\/en\/default.aspx\"><span style=\"font-weight: 400;\">Financial Services Authority<\/span><\/a><span style=\"font-weight: 400;\"> (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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this article we\u2019ll detail <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG\u2019s Global Medical plans<\/span><\/a><span style=\"font-weight: 400;\">, compare <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-indonesia-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">top insurance providers for Indonesia<\/span><\/a><span style=\"font-weight: 400;\">, and more. If you\u2019re ready to get a quote, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact our brokers<\/span><\/a><span style=\"font-weight: 400;\">, or keep reading below.<\/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;\">What IMG Health Insurance is Best for Expats in 2026?<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-31224 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/elevated-cityscape-along-margonda-raya-in-depok-west-java.webp\" alt=\"Image of Elevated Cityscape Along Margonda Raya In Depok, West Java with text overlay of &quot;What IMG Health Insurance is Best for Expats in 2026?&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/elevated-cityscape-along-margonda-raya-in-depok-west-java.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/elevated-cityscape-along-margonda-raya-in-depok-west-java-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/elevated-cityscape-along-margonda-raya-in-depok-west-java-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/elevated-cityscape-along-margonda-raya-in-depok-west-java-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/elevated-cityscape-along-margonda-raya-in-depok-west-java-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><b>IMG Global Medical Insurance plans<\/b><span style=\"font-weight: 400;\"> 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\u2019s offerings:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bronze:<\/b><span style=\"font-weight: 400;\"> The maximum limit is <\/span><b>USD $1,000,000<\/b><span style=\"font-weight: 400;\">, and deductible options range from <\/span><b>USD $250 to USD $10,000<\/b><span style=\"font-weight: 400;\">. Optional coverage includes dental and vision riders and term life insurance. This tier <\/span><b>excludes cover for any pre-existing conditions<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Silver: <\/b><span style=\"font-weight: 400;\">The maximum limit is <\/span><b>USD $5,000,000<\/b><span style=\"font-weight: 400;\">, and deductible options range from <\/span><b>USD $250 to USD $10,000<\/b><span style=\"font-weight: 400;\">. Optional coverage includes dental and vision riders and term life insurance. This tier <\/span><b>offers options for pre-existing condition coverage<\/b><span style=\"font-weight: 400;\"> after a 24-month waiting period.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gold:<\/b><span style=\"font-weight: 400;\"> The maximum limit is <\/span><b>USD $5,000,000<\/b><span style=\"font-weight: 400;\">, and<\/span> <span style=\"font-weight: 400;\">deductible options range from <\/span><b>USD $250 to USD $25,000<\/b><span style=\"font-weight: 400;\">. Optional coverage includes dental and vision riders, a sports rider, and term life insurance. This tier <\/span><b>offers options for pre-existing condition coverage<\/b><span style=\"font-weight: 400;\"> after a 24-month waiting period.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Platinum: The maximum limit is USD $8,000,000<\/b><span style=\"font-weight: 400;\">, and deductible options range from<\/span><b> USD $100 to USD $25,000.<\/b><span style=\"font-weight: 400;\"> Optional coverage includes a terrorism rider, sports rider, and term life insurance. This tier provides <\/span><b>cover for qualifying pre-existing conditions without a waiting period<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Why Choose IMG as an Expat in Indonesia<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">IMG offers direct billing at <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/best-hospitals-in-indonesia-for-expats-and-visitors.html\"><span style=\"font-weight: 400;\">top Indonesian hospitals<\/span><\/a><span style=\"font-weight: 400;\"> 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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some expats think that because private health insurance is not legally required to enter Indonesia, they should simply opt in to Indonesia&#8217;s <\/span><a href=\"https:\/\/www.badankebijakan.kemkes.go.id\/en\/program-jaminan-kesehatan-nasional-jkn\/\"><span style=\"font-weight: 400;\">National Health Insurance Program (JKN)<\/span><\/a><span style=\"font-weight: 400;\">, which <\/span><i><span style=\"font-weight: 400;\">is required<\/span><\/i><span style=\"font-weight: 400;\"> if they reside or work in the country for at least six months.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, it is <\/span><b>strongly recommended to purchase <\/b><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><b>private international coverage<\/b><\/a><span style=\"font-weight: 400;\"> since private hospitals often require upfront payment or proof of coverage before treating patients and public plans are not fully comprehensive.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because <\/span><a href=\"http:\/\/pacificprime.com\/country\/asia\/indonesia-health-insurance-pacific-prime-international\"><span style=\"font-weight: 400;\">Indonesia\u2019s healthcare system<\/span><\/a><span style=\"font-weight: 400;\"> isn\u2019t always reliable, serious medical cases often require transportation to Singapore, which can be extremely costly without private coverage from a reputable provider like IMG.<\/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><span style=\"font-weight: 400;\">Comparison of IMG Health Insurance to Competitors for Expats<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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 <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/bupa\/\"><span style=\"font-weight: 400;\">Bupa<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna<\/span><\/a><span style=\"font-weight: 400;\">, and IMG.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th colspan=\"4\">\n<h2><span style=\"font-weight: 400;\">International Health Insurance Cost Comparison: Allianz vs. Bupa vs. Cigna vs. IMG (USD)<\/span><\/h2>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><b>Insurer<\/b><\/td>\n<td><b>Age 30 (Annual Estimate)<\/b><\/td>\n<td><b>Age 45 (Annual Estimate)<\/b><\/td>\n<td><b>Age 60 (Annual Estimate)<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Allianz<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,200\u2013$4,200+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,500\u2013$4,500+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,100\u2013$5,000+<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bupa<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500\u2013$4,000+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,500\u2013$6,000+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,200\u2013$9,500+<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cigna<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,000\u2013$4,200+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,200\u2013$5,800+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,000\u2013$7,000+<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">IMG<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,200\u2013$3,000+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,200\u2013$3,500+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500\u2013$6,000+<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Pacific Prime\u2019s <\/span><a href=\"https:\/\/www.pacificprime.com\/cost-of-health-insurance-report-2024?uid=1335785808\"><span style=\"font-weight: 400;\">Cost of International Health Insurance Report<\/span><\/a><span style=\"font-weight: 400;\"> from 2024 states that the price of <\/span><b>individuals plans in Indonesia increased by 1%<\/b><span style=\"font-weight: 400;\"> from USD $4,686 in 2023 to USD $4,734 in 2024, while <\/span><b>family plans increased by 10%<\/b><span style=\"font-weight: 400;\"> from USD $11,764 in 2023 to USD $12,909 in 2024.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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 \u201c<\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/health-insurance-cost-in-indonesia.html\"><span style=\"font-weight: 400;\">How Much Does Health Insurance Cost in Indonesia?<\/span><\/a><span style=\"font-weight: 400;\">\u201d<\/span><\/p>\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><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Is IMG Global health insurance good for expats in Indonesia?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How expensive is IMG health insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is health insurance required to go to Indonesia?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Health insurance is not required for travelers or expats entering Indonesia, but it is highly recommended to avoid costly medical bills.<\/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><span style=\"font-weight: 400;\">Conclusion: How to Pick the Right IMG Plan for You<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">IMG is ideal for expats moving to Indonesia who want flexible worldwide coverage options without paying top dollar. <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Talk to our experienced brokers<\/span><\/a><span style=\"font-weight: 400;\"> to pick a plan or to <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">compare quotes<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>IMG\u2019s 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.\u00a0 Pacific Prime\u2019s State of Health Insurance Report 2025 outlines Indonesia\u2019s strained medical sector and the Financial Services Authority (OJK) requirement that insurers hold at least IDR 1 &#8230;<\/p>\n","protected":false},"author":54,"featured_media":31222,"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-31219","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>IMG Global Health Insurance in Indonesia (2026)<\/title>\n<meta name=\"description\" content=\"This article explains IMG Global\u2019s health insurance options for expats in Indonesia and compares their offerings to other top providers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/img-global-health-insurance-indonesia.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IMG Global Health Insurance in Indonesia (2026)\" \/>\n<meta property=\"og:description\" content=\"This article explains IMG Global\u2019s health insurance options for expats in Indonesia and compares their offerings to other top providers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.com\/blog\/img-global-health-insurance-indonesia.html\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime&#039;s Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pacificprime\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-01T17:48:05+00:00\" \/>\n<meta property=\"og:image\" 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