Indonesia guide
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Context
Indonesia attracts international talent for a combination of professional opportunity, lifestyle and quality of life. Jakarta is Southeast Asia's largest business hub, while Bali has become a magnet for remote workers, entrepreneurs and families looking for a slower, more affordable base in the region.
Growing opportunities in tech, energy, commodities, tourism and manufacturing, with Jakarta acting as ASEAN's largest metropolitan market.
Soekarno-Hatta (Jakarta) and Ngurah Rai (Bali) link Indonesia to most major cities in Asia and Australia within a few hours.
Living costs remain significantly lower than in Singapore or Hong Kong, especially outside Jakarta, attractive for freelancers, families and long stays.
Bali, Jakarta and Bandung host large expat communities, international schools and English-speaking clinics and hospitals.
Daily life
Most international newcomers arrive on a KITAS (limited-stay permit), a KITAP (permanent-stay permit), a Second Home Visa or the newer Remote Worker (Digital Nomad) visa. These permits shape access to housing, schooling and, importantly, to healthcare providers and insurance options.
Day-to-day life varies widely between Jakarta, Bali and secondary cities: Jakarta offers the full spectrum of international services but heavier traffic and higher housing costs, while Bali and cities like Yogyakarta or Bandung are more affordable and lifestyle-driven. Housing, international schooling and healthcare remain the three largest budget items for most newcomers.
Healthcare system
Indonesia operates a universal public scheme called BPJS Kesehatan, which covers Indonesian citizens and long-term residents at very low cost. In practice, foreign residents who need international-standard care rely on the private sector, where quality, wait times and English-speaking staff are much closer to what expats are used to at home.
Access typically looks like this:
What to anticipate
Indonesia is a safe place to live from a public-health standpoint, but the financial exposure tied to medical care is significant for anyone without local subsidies or appropriate insurance.
A short hospital stay in a private hospital can run into five figures (USD). Surgical procedures and intensive care escalate quickly.
Private hospitals often request a deposit before admission and full settlement at discharge, direct billing is not always available.
Specialist visits, diagnostic imaging and lab tests are charged separately, and prices vary widely between providers.
Ongoing treatment, medication and follow-ups can become a meaningful recurring cost without adequate coverage.
Coverage
BPJS Kesehatan is designed for the Indonesian population and rarely fits the standards expected by international residents. Local private insurance can help, but limits are often low and coverage stops at the border. International health insurance is built for a different reality: high-quality private care, cross-border mobility, medical evacuation, and predictable costs regardless of your visa status.
An international plan typically covers:
Audience
Employees on a KITAS work permit, often with regional responsibilities, who want hospital and outpatient cover that matches private-sector standards.
Holders of a Remote Worker / Second Home visa, founders and self-employed consultants who need to organise their own coverage without an employer plan.
People staying in Indonesia for 12 months and above, long enough that travel insurance is no longer suitable.
Spouses and children on a dependant KITAS, who do not automatically benefit from the principal's employer plan and need their own coverage.
About
APRIL International is an award-winning provider of flexible, high-quality international health insurance for individuals, families, students and businesses of all sizes.
Part of the APRIL Group, we draw on 40 years of experience and a global network of 30,000 partners to support our members worldwide. With an established presence in 16 countries, we combine local expertise with digital innovation to facilitate access to quality healthcare globally. Our members also benefit from 24/7 support through our dedicated teams and international medical network, wherever they are in the world.
We work closely with brokers and advisers to provide responsive underwriting, tailored plan design and dedicated support, making it easier to place and manage international health risks. Whether supporting expatriates or digital nomads, APRIL International offers adaptable, scalable solutions designed to meet the evolving needs of internationally mobile populations.
Whether you are a student, an intern, looking for a working holiday programme, an employee or a retiree, whether you are moving alone or with your family, APRIL International can help you through your international experience with a full and flexible range of insurance solutions, adapted to each expat profile and budget.
Start-up entrepreneur, manager of a small business, or director of a large company, we are also at your side with turnkey or tailor-made solutions covering healthcare, assistance, and death and disability. No matter the destination, the duration of the stay or the type of assignment, our solutions adapt to all international mobility scenarios.
With a presence in 16 countries, our employees are at your side to help you manage your policy at all times.
In France and abroad, we work with leading insurance partners, and our experience has brought us worldwide recognition.
24/7 local support through our offices around the world, by phone, chat, email, Facebook Messenger or WhatsApp.
With the Easy Claim app: submit invoices and track claims, talk to a doctor via telehealth, find a provider, send a medical estimate and access all your documents.
Information request within 48 hours, prior agreement within 3 days, hospital care within 4 hours in emergencies (3 days if scheduled), reimbursement within 48 hours via Easy Claim.
Third-party payment for all hospitalisations, referral to doctors and facilities, 24/7 telehealth, preferential rates and emergency medical evacuation.
Recognition we have received over recent years:
Questions & answers
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