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Indonesia · visa health insurance

The spouse KITAS in Indonesia: two routes, two sponsors

By Covered Abroad Research Desk · Last verified 1 October 2026

A spouse does not get added to the main applicant's permit. They apply on their own family visa, and which code applies depends on who they are married to. E31A covers the spouse of an Indonesian citizen; E31B covers the spouse of someone already holding a limited or permanent stay permit. Both are sponsor-filed, and neither published list asks for health insurance.

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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:

Two codes, and the difference matters

Indonesia's family visas sit in the E31 family, and it is a crowded one — separate codes exist for spouses, for children of mixed marriages, for children joining permit-holding parents, and for parents joining permit-holding children.

For a couple moving together, two matter:

  • E31A — spouse of an Indonesian citizen. The Indonesian spouse is the sponsor.
  • E31B — spouse of an ITAS or ITAP holder. This is the trailing-spouse case: one partner has a work, investor or second-home permit, and the other joins on the back of it.

Both are limited stay visas. Both can be extended, and both can be converted to another stay type later. What changes is who files, and what evidence sits behind the application.

Source: Direktorat Jenderal Imigrasi — Daftar Visa Indonesia, read 1 October 2026

Fees: one year and two years

E31B is priced by the length of the permit, and the page itemises both.

One year — Rp6,000,000

  • Rp500,000 visa fee
  • Rp3,000,000 limited stay permit
  • Rp1,500,000 re-entry permit
  • Rp1,000,000 verification

Two years — Rp8,500,000

  • Rp500,000 visa fee
  • Rp5,000,000 limited stay permit
  • Rp2,000,000 re-entry permit
  • Rp1,000,000 verification

The two-year permit is the better value per year, and it also reduces how often the household sits in a renewal window — which matters more than the money if either partner is mid-treatment when a permit lapses.

What the document list asks for

Short, and much the same shape as the rest of the Indonesian system:

  • An application letter from the sponsoring spouse
  • A national passport valid at least six months
  • A three-month bank statement showing at least US$2,000, in the name of either the applicant or the sponsor
  • A recent colour photograph

One oddity is worth flagging rather than smoothing over. The published E31B list describes the application letter as coming from a spouse who is an Indonesian citizen — wording that belongs to E31A, since an E31B sponsor is by definition a permit holder rather than a citizen. It reads as text carried across between two neighbouring pages. Check with the issuing office which letter they expect before filing, and do not assume the national page is the final word on that single line.

The household cover question

Neither spouse code asks for health insurance. The word asuransi does not appear on either page.

What the absence hides is a gap in access. A dependent spouse has no employment in Indonesia, so the statutory scheme — which defines participants to include foreigners who have worked in Indonesia for at least six months — does not reach them, even where it reaches the working partner. A household can end up with one member inside a scheme and one outside it, on the same address and the same visa file.

That is the practical argument for treating cover as a household decision rather than a per-visa one: the person with no requirement to insure is often the person with no other route in.

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.

Cover levels that meet the rule

Benefits are public, and so are the 2026 prices: your exact rate depends on age.

Rest-of-world rates — Indonesia and Malaysia. Essential matches Europe; the other plans price higher in this column.

Standard

From $1,510/yearabout $126/mo billed annuallyChildren 0–17: flat $1,137/yr

Adds everyday outpatient care — GP and specialist visits, prescriptions, and tests — to hospital cover.

  • US$1,000,000 overall plan limit per year
  • GP, specialist, medication & lab tests (US$750 each)
  • Outpatient surgical to US$25,000
  • Semi-private hospital room & board
  • Pre- & post-hospitalisation cover

New applicants up to age 70.

+ everything included — hover to expand

Scope: No dental or wellbeing benefits at this level.

Choose StandardSee your price by age →

Fully Comprehensive

From $2,541/yearabout $212/mo billed annuallyChildren 0–17: flat $1,919/yr

The highest level: full-cover room, uncapped surgeon fees, routine dental, and the largest limits.

  • US$2,000,000 overall plan limit per year
  • Full-cover private room & board
  • Full surgeon, professional & outpatient cover
  • Routine & major dental (after 6-month wait)
  • Wellbeing check-ups & vaccinations to US$500

New applicants up to age 70.

+ everything included — hover to expand

Choose Fully ComprehensiveSee your price by age →

See your exact price by age →

Budget options — limited cover

Essential Health

From $392/yearabout $33/mo billed annually

A budget plan for accident and emergency care in state hospitals only. Not full private health cover.

  • US$100,000 maximum plan limit per year
  • Unforeseen accident & emergency care only

Scope: State hospitals only, accident/emergency only. No outpatient, dental, or wellbeing cover. Not a substitute for full private health insurance on a visa application.

Choose Essential Health →

Major Medical

From $962/yearabout $80/mo billed annually

Hospital-focused cover: inpatient treatment, surgery, and emergencies, worldwide outside the US.

  • US$1,000,000 overall plan limit per year
  • Semi-private hospital room & board
  • Theatre, ICU, and emergency-room cover (full)

Scope: No outpatient, dental, or wellbeing benefits at this level.

Choose Major Medical →
  • Treatment is covered worldwide, excluding the United States.
  • Pre-existing conditions are excluded — including conditions you did not know about.
  • Evacuation & repatriation is an optional benefit that costs an additional premium.
  • Prices are Regency’s 2026 rates for the EU region: per person, per year, billed annually, starting at adult age 18 — your exact price depends on age. Children 0–17 pay a flat rate on every plan.
  • Plans run in 12-month terms and renew at the anniversary; the age limits shown apply to new applicants.

Common questions

What is a spouse KITAS in Indonesia?

It is a family limited stay visa. E31A covers the spouse of an Indonesian citizen and E31B the spouse of someone already holding a limited or permanent stay permit. The spouse applies on their own visa rather than being added to the main applicant's permit.

Who applies for the spouse visa?

The sponsor does. On both codes the application is filed from the sponsor's own account at evisa.imigrasi.go.id, with the documents attached. The arriving spouse does not register or submit, which means the primary permit usually has to be settled first.

How much does a spouse KITAS cost?

On E31B, Rp6,000,000 for one year — Rp500,000 visa, Rp3,000,000 stay permit, Rp1,500,000 re-entry permit and Rp1,000,000 verification — or Rp8,500,000 for two years, where the stay permit rises to Rp5,000,000 and the re-entry permit to Rp2,000,000.

Does a spouse visa require health insurance?

No health insurance document appears on either published spouse list. The absence is about immigration paperwork, not access: a non-working spouse falls outside the statutory scheme, which reaches foreigners who have worked in Indonesia for at least six months.

Whose bank statement is accepted?

Either. The three-month statement showing at least US$2,000 may be in the name of the applicant or the sponsor, which is more flexible than the second home route, where the statement has to be personal.

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