Indonesia · visa health insurance
Health insurance for your move to Indonesia
By Covered Abroad Research Desk · Last verified 1 November 2026
Which visa are you applying for?
Pick your path — we’ll show you the exact rule for your case.
Which permit needs cover
Route by route — including the two that require none.
See the ruleIs BPJS enough?
What the regulation actually says about foreigners.
See the ruleMoving to Bali
The island’s healthcare shape, and the Singapore pathway.
See the ruleReal prices by age
What cover actually costs for an Indonesian move.
See the ruleExpat cover explained
Why private cover carries the whole load here.
See the ruleNot sure which level?
Find your plan in one minute.
See the ruleIndonesia: the published rule
The rule in writing
“The retirement visa (E33F, one year, with a sponsor) lists no insurance document. The governing rule, Permenkumham 22/2023 Article 61 as amended by Permenkumham 11/2024, asks for a passport valid at least six months, the sponsor’s guarantee, proof of living costs, a recent photograph and proof of income or pension of US$3,000 a month; the Directorate General’s E33F page and the eVisa portal publish the same list with no insurance line. The national list is introduced as “antara lain” (among others), so the accurate statement is that the published list does not ask for insurance, not that none can ever be requested. An older regional office list (Yogyakarta) still names health, death and third-party liability cover, but its other conditions (a travel-bureau sponsor, US$1,500 a month, hiring two Indonesians) are not in the current article.”
Official source: Permenkumham No. 22 Tahun 2023, Pasal 61, as amended by Permenkumham No. 11 Tahun 2024 (JDIH BPK); Direktorat Jenderal Imigrasi — E33F Visa Rumah Kedua Lansia Untuk 1 Tahun — Last verified:
The rule in writing
“The remote worker visa (E33G) lists NO insurance requirement of any kind: the official document checklist asks for a passport, bank statement, photograph, CV, itinerary, proof of US$60,000 annual income and an employment contract with a company established outside Indonesia — and nothing else. A verified absence: no page on this site may claim this visa requires insurance.”
Official source: Directorate General of Immigration — official eVisa portal, Type of Visa E33G — Last verified:
The rule in writing
“Indonesia’s national health scheme (JKN/BPJS Kesehatan) defines participants as every person INCLUDING foreigners who have worked in Indonesia for at least 6 months (Perpres 82/2018 Art. 1(2)). The statutory obligation attaches to working foreigners; a retiree or a remote worker paid by a foreign employer is not the case that article describes, and private cover is what serves the years the scheme does not.”
Official source: Peraturan Presiden No. 82 Tahun 2018 tentang Jaminan Kesehatan, Pasal 1 angka 2 dan Pasal 6 ayat (1) — JDIH BPK — Last verified:
Indonesia insurance guides
KITAS health insurance: what each permit actually asks for
Which KITAS routes ask for cover, which ask for none, including the retirement visa, whose current list has no insurance line.
Read the ruleExpat health insurance in Indonesia, without the sales gloss
What private cover is actually for in Indonesia, who the national scheme does and does not catch, and how an international plan is priced for expats.
Read the ruleHealth insurance in Bali, for people moving rather than visiting
Private hospitals, evacuation reality, and why Bali prices the same as Jakarta on an international plan. A plain guide for people moving, not visiting.
Read the ruleBPJS for foreigners: what the regulation actually says
Indonesia's JKN scheme includes foreigners who work here six months or more. What the regulation says, who it leaves out, and where private cover fits.
Read the ruleHow much is health insurance in Indonesia?
What actually sets an expat premium in Indonesia: age, plan level and region column. From $392 a year, why quotes differ, and what never affects the price.
Read the ruleIndonesia's digital nomad visa, officially the E33G
Indonesia's digital nomad visa is officially the E33G remote worker permit. The official checklist, the US$60,000 income test, and why it names no insurance.
Read the ruleKITAS requirements, route by route
A KITAS is the residence card, not the visa. What the remote worker, second home and retirement routes each require — quoted from the official checklists.
Read the ruleHow Indonesia's healthcare system works for foreigners
Indonesia runs a public scheme built around workers and a private sector most foreign residents use. What that split means if you hold a limited stay permit.
Read the ruleThe emergency number in Indonesia is 118
Call 118 for an ambulance in Indonesia. The harder questions are what arrives, where it takes you, and who settles the bill when the case goes to Singapore.
Read the ruleMedical evacuation from Bali
Complex cases in Bali go to Singapore. The Foreign Office puts evacuation at tens of thousands of pounds — how that bill arises, and who settles it.
Read the ruleExtending a KITAS, and what happens if it lapses
If your stay permit has expired you apply from outside Indonesia, through a sponsor. What the Foreign Office sets out, and the overstay fine to avoid.
Read the ruleIndonesia's Golden Visa, route by route
Golden Visa is a badge on several visa codes, not one application. The thresholds by route, the 90-day proof clock, and why no list asks for insurance.
Read the ruleIndonesia's second home visa (E33E), at 55 and over
Five years, extendable to ten, with no sponsor. The US$50,000 guarantee, when it is actually due, what Rp13,000,000 is made of, and the missing insurance line.
Read the ruleThe spouse KITAS in Indonesia: two routes, two sponsors
A spouse joins on a family visa, not on the main permit. The two codes, who sponsors which, Rp6,000,000 and Rp8,500,000 fees, and the missing insurance line.
Read the ruleIndonesia work visa requirements, and the six-month rule
Your employer files it, not you. The document list, the Manpower permit, fees from Rp5,250,000, and the six-month rule that pulls workers into BPJS.
Read the ruleIndonesia's student visas: the E30 education family
School, university and exchange each have their own code. E30B fees run Rp6,000,000 to Rp12,000,000 by term, and no education list asks for insurance.
Read the ruleIndonesia's retirement KITAS (E33F), at 55 and over
Indonesia's retirement visa at 55 and over: the sponsor, the US$3,000 income test, Rp7,000,000 in fees, and why the published list has no insurance line.
Read the ruleLiving in Indonesia: care and costs
After the visa comes the practical part. These answer how care actually works once you are there — from Indonesia’s own sources — and how private cover fits around it.
- Moving to Indonesia: what happens to your healthcare
- Retiring in Bali, and the insurance rule that comes with it
- Tap water in Bali
- Rabies in Bali
- Dengue fever in Bali
- Living in Jakarta: the health issue nobody budgets for
- Banned medication in Indonesia
- Scooter accidents in Bali, and the licence rule behind them
- Methanol poisoning in Bali and across Indonesia
- Diving accidents in Indonesia
- Drink spiking in Bali, Lombok and the Gili Islands
Underwritten by Regency Assurance · regulated by the FSRC (Nevis)
Ratings, certifications and figures are Regency Assurance’s — our underwriter — quoted from public sources and verified July 2026. Independent scores update over time: see Regency on Trustpilot (4.4/5) and Reviews.io (3.92/5). Covered Abroad’s own reviews appear here once we have them.
Common questions
Does a KITAS require health insurance?
Not all of them. The official eVisa checklists for the E33G remote worker permit and the E33 second home visa list no insurance requirement at all. The retirement visa (E33F) does not either: its published list asks for a sponsor, a passport, proof of living costs and US$3,000 a month in income or pension. The lists read 'among others', so an office can ask for more, but insurance is not on them.
Does an insurer have to be Indonesian?
No published list for the E33G, E33, E33E or E33F routes asks for insurance, so none sets a local-insurer rule. An older regional list for the retired-visitor route named a home-country policy as acceptable; it is not the current rule.
Does BPJS cover me as a foreigner?
BPJS/JKN defines participants as including foreigners who have worked in Indonesia for at least six months (Perpres 82/2018, Article 1(2)). If you are retired, or working remotely for an employer outside Indonesia, that definition does not describe your case — which is the gap private cover fills.
Get a certificate that meets the published rule
Tell us your destination, visa, and who’s moving. Our team reviews it against the current requirement and calls you with a quote — no obligation.
Cover underwritten by Regency Assurance · every rule on this site cited and dated · a person calls back within one business day.
Before you request a quote: cover is worldwide but excludes treatment in the United States, and pre-existing conditions are not covered — including conditions you did not know about. We say this up front so a quote is worth your time.