KITAS health insurance: what each permit actually asks for

KITAS is the residence card, not the visa. What you must prove depends on which route put the card in your hand, and the routes disagree with each other about insurance more than almost any country we cover.

The official eVisa portal publishes a document checklist for each route. For the remote worker permit (E33G) that checklist asks for a passport valid six months, a bank statement, a photograph, a CV, a travel itinerary, proof of income and an employment contract with a company established outside Indonesia. There is no insurance line. The five-year second home visa (E33) works the same way: the commitment is financial, a deposit or a property purchase within 90 days of entry, and again no insurance document is listed.

The retirement route is the exception, and its rule is broader than most countries': cover for health, for death, and for third-party civil liability. Most agent articles flatten these three routes into one “Indonesia requires insurance” claim. The official checklists say otherwise, and your application file should follow the checklist for your route.

The retirement requirement list published by the immigration office asks for insurance in three parts: health cover, death cover, and legal liability to third parties. It then adds the phrase that matters most to anyone arranging this from abroad: the insurance may be held in your home country or in Indonesia. An international policy is not a workaround here. It is one of the two named options.

That triple shape is unusual. A health-only certificate, however strong, does not answer a checklist that also names death cover. This is where an international arrangement has a practical edge: our underwriter writes both health and life cover, so the file can be assembled to match what the list actually says rather than hoping one certificate stretches.

One caveat, stated plainly because we would rather you heard it from us: this requirement list is published by a regional immigration office under the older framing of the retirement stay. The national eVisa portal does not publish an equivalent list for the current E33F index that we could verify. The rule shown in the box above carries its source and date, and we will update it the day the national wording can be read.

If you are coming on the E33G, nothing in the checklist forces you to hold cover. What the checklist does force is the shape of your life in Indonesia: your employer must be outside the country, and you are prohibited from receiving compensation from any Indonesian individual or company. That same shape keeps you outside the case Indonesia's national health scheme was written for, which attaches to foreigners working in Indonesia for six months or more.

So the honest position for a remote worker or a second home holder is this: no rule obliges you to insure, and no public scheme is built to catch you. Whatever you arrive holding is the whole of your healthcare arrangement. A travel policy built for trips will pay for an emergency and an evacuation; it is not built for a year of ordinary medicine, a specialist you need to see monthly, or a child's fracture clinic. That difference, not the visa file, is the real reason this page exists.

We arrange international private medical insurance for people living abroad: worldwide cover excluding the United States, zero deductible, inpatient and outpatient care, the whole household on one plan. For the retirement route we can put together the health and life elements the checklist names. For routes with no requirement, we will say exactly that, and then help you decide what cover the life you are planning actually needs.

Pre-existing conditions are not covered, and cover is governed by the underwriter's policy wording. If what you need is something we cannot arrange, telling you so costs us a quote and saves you a claim that would never have paid.