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Expat health · Bali, Jakarta & Asia

Living abroad?
Get covered properly.

International health plans for KITAS holders, digital nomads and remote workers in Indonesia — worldwide networks, medical evacuation and English-language claims. Indicative premiums from Rp 1.7M/mo.

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Why expat-specific?

BPJS isn't built for you.

If something serious happens in Bali or Lombok, you'll likely be evacuated to Singapore. Local plans don't fund that.

01
Singapore evacuation
Bali's top hospitals can stabilise — but complex care often means Mt. Elizabeth or Raffles. Expat plans cover the medevac (USD 30k+) and the bill once you arrive.
02
English everywhere
From the claims hotline at 3am to the partner agent helping you renew — full English service. No back-translating WhatsApp messages mid-emergency.
03
Worldwide cover
Visit family in Europe, work trip in Bangkok, weekend in Singapore — covered everywhere except the US (separate add-on).
International & nomad plans

4 expat plans, side-by-side.

The international plans from our health catalogue. Prices are in rupiah for comparison; most of these insurers bill in USD or EUR.

S
SafetyWing
Remote Health
Popular
From
Rp 1.7M/mo
Best for: Digital nomads, remote workers
  • Monthly cancel-anytime
  • Tokio Marine HCC backed
  • Built for nomads
Watch outMostly reimbursement · US is extra cost
View SafetyWing plan
Compared · public data
P
Pacific Cross
Asia Care
Popular
From
Rp 2.5M/mo
Best for: Bali / Jakarta expats
  • Direct billing BIMC + Siloam Intl
  • Asia-regional network
  • 24/7 EN support
Watch outAsia coverage only · No US
Compare Pacific Cross quotes
Compared · public data
G
Genki
Native Premium
Premium
From
Rp 3.8M/mo
Best for: EU nomads, expats
  • EU consumer protection
  • Allianz + Dr. Walter underwriter
  • EUR billing
Watch out12-mo commitment · Pre-existing always excluded
View Genki plan
Compared · public data
C
Cigna Global
Silver International
Premium
From
Rp 4.2M/mo
Best for: Expats, KITAS holders
  • 1,400+ worldwide ex-US
  • 24/7 English claims
  • USD-denominated
Watch outSilver excludes US · Dental in Gold tier up
Compare Cigna Global quotes
Compared · public data
Same 4 plans as our comparison table. Starting prices are indicative entry-level premiums from public insurer pages — the real premium depends on your age, plan level and underwriting. No insurer pays for its position in this list.

InsuranceIndo is a comparison platform, not an insurer or broker. Figures are indicative; the final premium comes from the licensed insurer after underwriting. We may earn a fee from partners — how we make money.

Bali healthcare

Where you'll actually be treated.

The hospitals that make up the Bali care network — and the Singapore option for serious cases.

Siloam Bali (Denpasar)
Tier 1
Trauma, surgery, cardiac
24/7 ER
BIMC Hospital (Kuta + Nusa)
Tier 1
Expat-focused, English staff
24/7 ER
Sanglah General (RSUP)
Tier 2
Public hospital, complex cases
Long queues
Prima Medika (Denpasar)
Tier 2
Maternity, paediatric
24/7 ER
Mt. Elizabeth (Singapore)
Evacuation
Top regional referral
2.5h flight

Common questions.

I'm on a tourist visa / not yet KITAS. Can I get covered? +
Yes — Cigna, IMG, and several others sell to anyone regardless of residency status. Premiums are slightly higher without KITAS but cover is identical. You'll need a passport and proof of address.
Will my plan pay for Singapore evacuation? +
Every plan listed includes emergency medical evacuation — worldwide on most, Asia-regional on Pacific Cross. Air-ambulance evacuation typically runs USD 30,000–60,000, and treatment in Singapore then counts against your annual limit. Check the evacuation wording before you rely on it.
Do I need US cover? +
Only if you travel to the US for >30 days/year. US cover roughly doubles your premium. Most expats in Asia exclude the US and buy a separate trip-by-trip travel plan when they visit.
What's the difference vs my home-country insurance? +
Home-country plans usually treat Indonesia as "out of network" with reduced cover and slow reimbursement. International expat plans pay the hospital directly via local cashless networks — the practical difference is huge during an emergency.
Can I include my spouse and kids? +
Usually — most international plans offer family cover. As a rule of thumb a spouse costs a large share of the main premium and each child noticeably less, but it varies by insurer; ask for the family rate when you request quotes.

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