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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
“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:
Who the route is built for
E33E is written for foreigners aged 55 or over who want to live in Indonesia without being tied to an employer, a family member or an agency.
That last part is the distinguishing feature. Most Indonesian limited-stay routes require a penjamin — a sponsor who holds the e-visa account and files on your behalf. The E33E page states plainly that you do not need one, individual or corporate, provided you meet the immigration guarantee.
The permit itself is generous. The first grant runs up to five years; extensions are allowed so long as total residence does not exceed ten years, and the permit can be converted to another stay type later. Family can join under the ordinary immigration rules, and you can leave and re-enter freely while the re-entry permit is valid.
Source: Direktorat Jenderal Imigrasi — E33E, read 1 October 2026
The US$50,000 guarantee, and when it is actually due
The Jaminan Keimigrasian — immigration guarantee — is the heart of this route, and it is widely described wrongly as a deposit you make before applying.
What the page asks for at application is a commitment letter: a signed undertaking to place funds of at least US$50,000, or the equivalent, in an account in your own name at a state-owned bank.
The proof comes afterwards. It must be filed with the immigration office that issued your limited stay permit, within 90 days of the date you entered Indonesia. And unlike a one-off entry fee, the balance is expected to stay there: the value is maintained for as long as the permit runs.
So the realistic sequence is apply, travel, open the account, fund it, and file the evidence — all inside the first three months on the ground.
What Rp13,000,000 is made of
The headline fee for a stay of up to five years is Rp13,000,000, and the page breaks it into four parts rather than leaving it as a lump sum:
- Rp500,000 — limited stay visa fee
- Rp2,000,000 — visa verification
- Rp7,000,000 — limited stay permit (ITAS), five-year validity
- Rp3,500,000 — re-entry permit (IMK), five-year validity
One line on the page deserves attention before you pay anything: if the application is refused, the fees already paid are not refundable. That is a reason to settle the age, the guarantee and the income evidence before filing rather than treating the application as a test.
The rest of the document list
Beyond the guarantee, the published list is short:
- A national passport valid at least six months beyond expiry of the intended stay
- Proof of the immigration guarantee
- A personal bank statement for the last three months showing at least US$2,000 — note this one is in your own name, not a sponsor's
- A recent colour photograph
- A CV and an itinerary, plus documents explaining the purpose of the visit
Under persyaratan khusus — special requirements — the page adds proof of income or pension of at least US$3,000 per month.
Applications are filed through evisa.imigrasi.go.id, and because there is no sponsor on this route, the account is yours.
Insurance is not on the list
The E33E page carries no health insurance requirement. The word asuransi does not appear on it.
That is worth stating precisely, because the Indonesian picture is not uniform. The one-year retirement visa (E33F) is the same: its regulation and national list carry no insurance line. An older regional list for the retired-visitor route did ask for cover; it is not the current rule.
The honest reading: the national E33E list carries no insurance line, and a regional office may still ask on a different route. Carry the evidence either way.
Medically the position is simpler. The national scheme attaches to foreigners who have worked in Indonesia for at least six months; someone living here on a pension is not that case. Between 55 and 65, which is exactly the span this visa targets, private cover is the only thing standing behind a hospital bill — and it is also the span in which underwriting gets harder every year you wait.
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.