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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:
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:
It is a label, not a visa
Searching for “the Indonesian Golden Visa” suggests a single programme with a single form. The immigration directorate's own visa index does not work that way. Golden Visa appears as a suffix on a scattered set of codes, each sitting inside a different family:
- E28A, E28C and the rest of the E28 family — investor routes, split by whether you hold shares in an Indonesian company, buy into the capital market, or establish a branch or subsidiary.
- E32A — the five-year repatriation route for former Indonesian citizens.
- E33A, E33C and E33E — second-home routes, covering government-invited experts, globally recognised figures, and over-55s.
They do not share a threshold, a duration or a document list. Picking “the Golden Visa” is really picking one code, and the code decides everything that follows.
Source: Direktorat Jenderal Imigrasi — Daftar Visa Indonesia, read 1 October 2026
What each route actually asks for
These are the published figures on the directorate's own pages, not agency summaries.
E28A — individual investor. Proof of shareholding of at least Rp10,000,000,000 in a guarantor company registered with the Ministry of Investment. The page adds a warning worth reading twice: if your holding is below that figure and you also hold office as a director or commissioner, you are told to apply for a work visa matching the post instead.
E32A — five-year repatriation. A commitment to place at least US$25,000 in one of four forms: Indonesian government bonds, shares in a listed Indonesian company, Indonesian mutual funds, or a deposit with a state-owned bank.
E33E — second home, age 55 and over. A commitment to hold at least US$50,000 in a state-owned bank, in the applicant's own name. Total published fees come to Rp13,000,000.
Across the investor and second-home routes you will also see the same baseline: a passport valid at least six months, a three-month personal or sponsor bank statement of at least US$2,000, a recent photograph, a CV and an itinerary.
The ninety-day clock
This is the mechanic that catches people, and it is the same across the commitment-based routes.
You do not transfer the money to apply. You sign a surat pernyataan komitmen — a commitment letter — and the visa is assessed on that. The proof is due afterwards: it must reach the immigration office that issued your limited stay permit, within 90 days of the date you entered Indonesia.
For E33E the obligation does not end there. The value has to be maintained for the life of the permit, so the deposit is not a gate you pass once.
In practice that means the first three months in the country are a paperwork window, not a settling-in period, and the clock runs from arrival rather than from approval.
Insurance is not on any of these lists
Read against the question that matters here, the answer is consistent. On every Golden Visa code checked — E28A, E28C, E32A, E33A and E33E — the word asuransi does not appear anywhere on the page. There is no health insurance document, no minimum cover amount and no named insurer panel.
Two honest limits on that. First, the document lists are introduced with antara lain — “among others” — so they describe themselves as non-exhaustive. The accurate statement is that the published list carries no insurance line, not that Indonesia has decided insurance is unnecessary. Second, an individual immigration office can ask for more than the national page shows.
No current Indonesian route list carries an insurance clause, including the retirement visa (E33F).
Source: Direktorat Jenderal Imigrasi — Daftar Visa Indonesia, read 1 October 2026
What no requirement actually changes
Nothing, medically. A visa rule decides what you file; it does not decide what a hospital bills.
Indonesia's national scheme, JKN/BPJS Kesehatan, defines participants to include foreigners who have worked in Indonesia for at least six months. A Golden Visa investor living on returns, or a retiree on the second-home route, is not the person that article describes — so the statutory scheme does not pick them up, and private cover is what carries those years.
That is the practical reason to hold cover on a route that does not demand it: not to satisfy an immigration officer, but because nothing else is standing behind the bill.
Honest limits: Cover is worldwide but excludes treatment in the United States. Pre-existing conditions are excluded, including conditions you did not know about. We disclose this before you request a quote. Consulates keep discretion, and requirements can change. We show the published rule and its source; the final decision is the consulate’s.