Guide to Health Insurance in Indonesia

Whether you're relocating to Indonesia or just searching for a new international health insurance provider, it's essential to know what’s available in terms of the country's healthcare facilities, insurance provision and other relevant services.

Indonesia has an estimated population of 240,000,000 people and is the fourth most populated nation in the world. General life expectancy for males is around 69, whilst the number for females is averaged at about 74.
Although Indonesia’s healthcare system receives much investment, the country is ravaged by a multitude of diseases and many of the country's richer citizens travel further afield for more expert medical attention, with Singapore or Australia proving to be popular alternatives.
This is why it is vital to ensure that you have a medical insurance plan which covers medical evacuation and repatriation expenses.

Whether you're relocating to Indonesia or just searching for a new international health insurance provider, it's essential to know what’s available in terms of the country's healthcare facilities, insurance provision and other relevant services.

Indonesia has an estimated population of 240,000,000 people and is the fourth most populated nation in the world. General life expectancy for males is around 69, whilst the number for females is averaged at about 74.

Although Indonesia’s healthcare system receives much investment, the country is ravaged by a multitude of diseases and many of the country's richer citizens travel further afield for more expert medical attention, with Singapore or Australia proving to be popular alternatives.

This is why it is vital to ensure that you have a medical insurance plan which covers medical evacuation and repatriation expenses.

Healthcare facilities

Healthcare in the country is offered through both private and public sectors, with many choosing to go with the government-related public establishments rather than the privately-owned or religious organisations. There is no insurance scheme that provides for the entire population and many have to pay for their own healthcare. Foreigners are unable to receive treatment through Indonesia's government scheme and must be covered by their own nation's insurance.

There is no nationwide ambulance service for the country and so each hospital has its own separate system. It is also a good idea to identify private ambulance services while staying or living in the country.

Doctors in the public sector are not paid particularly well and often supplement their pay by seeking extra work with private organisations. Well-staffed village clinics with 24-hour practices do exist but as Indonesia is situated in a precarious part of the world, natural disasters and illness invariably keeps the healthcare system one step behind.

The best facilities are naturally found in the built-up areas such as Jakarta, but in rural areas, these facilities are almost unheard of and the poor living conditions often mean that there is a risk of infected drinking water and contracting deadly diarrhoea.

Before you go

It is important to receive vaccinations to protect you against Hepatitis A/B, Typhoid, Polio, Rabies, Tetanus and Measles.

Next steps

Get a quote for one of our WorldCare plans and receive comprehensive cover in Indonesia. You can access treatment from anywhere in the world with this plan. It’s quick and convenient, easy-to-purchase online and can be maintained and managed with a few clicks of your mouse.

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