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Health insurance · Indonesia

Health insurance,
without the runaround.

Compare 6 plans from local and international insurers — BPJS top-up, family, expat and nomad cover. Indicative premiums from Rp 380k/mo.

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The plans we compare

6 health plans, side-by-side.

R
Roojai
Digital Health
Entry
From
Rp 380k/mo
Best for: Local digital-first buyers
  • App-based onboarding
  • Transparent pricing
  • Cashless at 300+ ID hospitals
Watch outIndonesia-only · Smaller hospital network
Compare Roojai quotes
Compared · public data
A
Allianz
Smarthealth Maxi Violet
Popular
From
Rp 1.2M/mo
Best for: Mid-career professionals
  • 1,500+ private ID hospitals
  • Outpatient included
  • Strong claims app
Watch outIndonesia-only network · Maternity 12-mo wait
Compare Allianz quotes
Compared · public data
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 6 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.

Who it's for

Pick the plan that fits your life — not your accountant's.

Indonesian residents
Top-up BPJS, get cashless private hospitals, lower premiums.
KITAS holders & expats
International networks, English-speaking partners, evacuation cover.
Families
Maternity, pediatric, dental — bundled to save on per-person premiums.
Business owners
Group plans for staff with corporate-rate discounts and HR portals.

What's actually covered?

The boring small print, made un-boring. Here's what most plans include — and where they sneak in exclusions.

Usually covered
Inpatient hospitalization
Surgery & specialist care
Emergency room visits
Prescription medications
Diagnostic tests & lab work
Pre-existing conditions (after waiting period)
Often excluded
Cosmetic surgery
Self-inflicted injuries
Extreme sports (unless add-on)
Pre-existing conditions (early)
Experimental treatments
Maternity (unless specifically included)

Common questions.

Do I need health insurance if I already have BPJS? +
BPJS covers the basics but caps coverage and routes you through long queues. Private top-up gets you cashless private hospitals, faster service, and English support — typically Rp 400k–1.5M/month for entry plans.
Can I get coverage as a foreigner without KITAS? +
Yes. Several international plans cover tourists and short-term residents. Cigna Global, IMG, and a few local insurers offer non-KITAS expat plans.
What's the typical waiting period? +
Most local plans have a 30-day general waiting period and 12 months for pre-existing conditions. International plans often waive the general wait. Maternity typically has a 12-month wait everywhere.
How does claim cashless vs reimbursement work? +
Cashless: hospital bills the insurer directly — you pay nothing. Reimbursement: you pay first, then submit receipts. Always pick a plan with a wide cashless hospital network where you live.

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Get health quotes BPJS vs Private — read the comparison