KITAS requirements, route by route

The single most common misunderstanding about Indonesian immigration is treating KITAS as one thing with one set of rules. It is not a visa. Kartu Izin Tinggal Terbatas is the limited stay permit card you hold once a route has approved you, and the routes that lead to it disagree with each other more than in almost any country we cover.

So "what does a KITAS require" has no single answer. It has one answer per route. Asking it the general way is how people end up buying the wrong thing, or nothing.

The official eVisa checklist asks for a passport, a bank statement, a photograph, a CV, an itinerary, proof of at least US$60,000 in annual income, and an employment contract with a company established outside Indonesia.

No insurance line appears. That is a verified absence rather than an omission on our part — we checked the published list and it is not there.

Source: Directorate General of Immigration — official eVisa portal, Type of Visa E33G, read 22 September 2026.

The second home visa is aimed at people establishing a long-term base rather than working. Like the remote worker route, its official document checklist carries no insurance requirement.

The practical consequence is the same as on E33G, and so is our advice: the absence of a requirement is a statement about paperwork, not about risk. Nothing in the Indonesian health system steps in because your visa did not ask you for a policy.

Indonesia's retirement route is the exception, and it asks for something unusually broad. The published requirement list names cover for health, death and third-party civil liability — three things, not one — and it explicitly accepts a policy held either in the applicant's home country or in Indonesia.

That last clause is worth more than it looks. Many countries insist on a locally admitted insurer; this list does not. A home-country international policy is a named option rather than a workaround.

Stated openly, because it affects how much weight to put on it: this wording is published by a regional immigration office under the earlier framing of the route, and the national list for the current route says something different. The national second-home pages for the one-year and five-year routes carry no insurance line at all. Two official lists, two answers — so confirm which one your office works from before relying on either.

Source: Kantor Imigrasi Kelas I TPI Yogyakarta — Wisatawan Lanjut Usia/Pensiunan requirements page, read 22 September 2026.

Whichever route brought you, the same question follows: does the national scheme cover me? Presidential Regulation 82 of 2018 answers it more narrowly than most people expect. Article 1(2) defines participants as including foreigners who have worked in Indonesia for at least six months.

A retiree has not. A remote worker paid from abroad has not, by the design of their own visa. The regulation does not shut them out of the country's healthcare — it simply describes someone else.

Source: Peraturan Presiden No. 82 Tahun 2018 tentang Jaminan Kesehatan, Pasal 1 angka 2 — JDIH BPK, read 22 September 2026.

Two routes require nothing and one requires three kinds of cover, so there is no single certificate that satisfies "a KITAS". What there is instead is a sensible floor for anyone living in Indonesia on a limited stay permit: cover where you live rather than travel cover, outpatient as well as inpatient, and evacuation — because for anything complex the realistic destination is Singapore.

If you are on the retirement route, the three-part requirement is the specification to match, and our team will go through the wording with you before you commit. Pre-existing conditions are excluded and cover is governed by the Regency Assurance policy wording.