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Healthcare has long been a challenge for Indonesia, and the country’s healthcare system is ranked 92nd place in the world by the WHO. Over the past few years, the government has taken significant steps to improve coverage and the quality of care. Nevertheless, most expats in Indonesia opt for private care, and some countries’ foreign ministries even recommend that their citizens leave the country in the event of a significant health issue.
Under the Jaminan Kesehatan Nasional (National Health Insurance Programme) scheme, the Indonesian government plans to make basic medical care in public facilities free for all citizens. The goal of this programme, launched in 2014, was for 100% of the country to have coverage by 2019. However, progress has been slow. Not all hospitals have opted to join the JKN programme, meaning its effectiveness is still limited.
Expats working in Indonesia for six months or longer are required to sign up for the JKN programme. Registration is completed through the employer, after which employees and their dependants receive public health insurance cards.
Since private healthcare facilities typically offer better services and may have English-speaking staff, many foreigners opt for private health insurance, regardless of whether or not they are covered by the public system.
Due to the limitations of the Indonesian healthcare system, it is important for expatriates to choose a health insurance package that not only allows them to access the private healthcare system but also to be repatriated to neighbouring countries or to their home country in case of a medical emergency or need for specialised care. This is a guarantee that local private health insurance does not offer, and thus requires the purchase of international health insurance.
In addition, the use of medical telemedicine services is an effective solution for primary care needs, allowing you to speak to a qualified healthcare professional in the language of your choice anytime, anywhere.
Examples of reimbursements with MyHealth International COMFORT in relation to the cost of care in Indonesia in the private sector*.
*Reasonable costs in the private sector, APRIL International data 01/2022
The Indonesian healthcare system is made up of hospitals, clinics, and Puskesmas (state-run community health services), but these are often overburdened and understaffed. On the other hand, private hospitals in Indonesia offer a significantly higher quality of care than the public system.
Most of the best hospitals in Indonesia are located in Jakarta, the capital. However, in case of serious health needs or very specific treatment, evacuation to a better equipped neighbouring country is often recommended, for instance to Singapore.
Jakarta
Rumah Sakit Umum Pusat Nasional Dr. Cipto Mangunkusumo Hospital
Local call rates apply
It only takes a few steps to join and start benefitting from your cover by tomorrow!
1. I look for the cover that suits my situation and choose my options.
2. I request a quote online and sign it electronically.
3. I download the Easy Claim app and take advantage of all my online services.
4. I can get a call back or chat at any time with an adviser.
