One expat, several brokers, zero comparisons.
InsuranceIndo was founded by Kristjan Ploompuu, an expat living in Bali who bought insurance the way everyone here does: you ask around, someone sends you a broker's number, and a few hours later a quote lands in your WhatsApp. Not a document. Not a comparison. A screenshot — sometimes cropped, usually blurry, always the only option on the table.
Want a second opinion? Find a second broker, get a second screenshot, and try to compare two photos of two different tables with two different sets of exclusions. Zero comparison, zero transparency, and no way to know what the broker's commission was steering you toward.
That's a fine way to buy street food. It's a terrible way to buy the thing that pays your hospital bill. So we built the thing we couldn't find: one place where plans sit side by side, prices are real numbers, and the catches are printed right next to the perks.
One founder, no investors, no insurer on the cap table.
Kristjan Ploompuu
Estonian entrepreneur. Since 2022 he has built Investland Group in Bali — a 40-plus-person real estate ecosystem spanning development, construction and property management. That business insures villas, vehicles, staff and his own family here, which is how he met the screenshot problem often enough to build this.
He is not an insurance agent, not a broker, and holds no insurance licence — by design. Questions, corrections, or a plan we got wrong: hello@insuranceindo.com.
Honest comparison, expat- and Bali-first.
InsuranceIndo is an honest comparison and quote engine for insurance in Indonesia. We started with the people we know best — expats and long-stayers in Bali — because that's where the screenshot problem bites hardest, and we're expanding across Indonesia from there. Compare plans, see real numbers, request quotes — and a real human on our desk sources them from the insurers we cover, same day, not broker-days.
Three rules we don't bend.
Numbers over adjectives
Not "comprehensive coverage" — Rp 2M outpatient limit per year. Not "affordable" — from Rp 380k a month, and the month it was last checked is printed on the card. If a claim can't be made with a number we can defend, it doesn't go on the site.
Every plan keeps its "Watch out" note
Every plan on this site has a catch, and every catch stays on the page. Waiting periods, sub-limits, exclusions — printed next to the price, not buried in a PDF.
Disclosure over fine print
Who pays us and how rankings work aren't footnotes — they're public pages: how we make money and how we rank. Read them and judge us.
Not a broker. Not an insurer.
InsuranceIndo doesn't sell policies, collect premiums, or give regulated insurance advice. Licensed insurers and brokers — OJK-registered in Indonesia or internationally licensed — do the regulated work: quotes, underwriting, policies, claims. We do the part nobody was doing: putting the options side by side and telling you the truth about them. And the truth about us: no introducer agreement is signed yet, so every quote request is handled by our own desk, not forwarded to a third party. The thank-you page says the same thing.
We'd rather show you a young product that's honest than a polished one that isn't. Watch this page grow.
Four pages that let you check us.
Enough about us.
Get quotes in about 60 sec — our desk sources them from the insurers we cover — or just message us on WhatsApp and ask anything.