5 Best Indonesian Health Insurance You Should Consider

5 Best Indonesian Health Insurance You Should Consider

Health insurance is increasingly important today as the health care price can be exorbitant. There are a couple of health insurance plans available, which include Government-subsidize health insurance, private health insurance, as well as employment-based health insurance.

No matter which insurance policy you choose, you will need to make sure that your policy is the right one for your condition. Between more than 500 insurance companies in Indonesia, this article will help you find some of the best Indonesian Health Insurance

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Does Health Insurance Necessary in Indonesia?

The Indonesian government has implemented various regulations to improve healthcare access for the poor. One is establishing government-funded health coverage or BPJS that all Indonesian are required to have. Regulations have been made to ensure that all Indonesian have BPJS for their health coverage.

Expats are not entitled to this government-funded cover. Therefore, if you are planning to move to Indonesia either to work or to enjoy your retirement days are advised to get your own health insurance to obtain a visa. If you are working in the country, you can ask whether or not you get international health insurance as part of your employment contract.


Best Health Insurance in Indonesia

Various health insurances are available in Indonesia. However, private health insurance Indonesia usually offers better service and benefits. If you’re going to move and looking for the best health insurance in Indonesia, then you can consider one of these:

AXA Mandiri International Exclusive Worldwide

AXA Mandiri International is one of the largest insurance companies in Indonesia. It offers a lot more benefits for those who have high mobility between countries as it is connected with hospital networks across the world.

The premium starts from IDR 3 million per month. It provides a wide variety of coverage from ICU and hospitalization, as well as specialist and general practitioners’ visit expenses. The daily insured sum for a hospital stay under this insurance policy is USD100 to USD230. Meanwhile, the annual limit is USD 1.8 million to USD 2.9 million.

Lippo Insurance Health Protection

Under this health insurance, the premium is lower, starting from IDR 400,000 per month. It covers the hospital bills as charged as well as covers medicines and vitamins without having to receive inpatient or outpatient care.

The cashless claim method also makes it easy to process. All information regarding policy details, claim records, and hospital networks is available from the mobile application. Therefore, you can always check your insurance anytime and anywhere you are. Despite the lower price, Lippo Insurance Health Protection also offers worldwide coverage region.

Chubb Life Health Protection

You don’t need international health insurance if you get Chubb Life Health Protection. That is because this insurance also provides worldwide coverage region with premiums starting from only IDR 400,000 per month.

Just like the Lippo one, the sum insured is according to the hospital charge. It also covers medicines and vitamins without receiving inpatient or outpatient care. It also provides easy access to your policy details with a few clicks on the app on your phone.

Cigna Premium Health Protection

Then there is Cigna Premium Health Protection with a monthly premium lower than the three above, which starts from IDR 300,000 per month. For the main user, you have to be between 18 to 70 years old to get this insurance policy. For insured children, you can get insurance from as young as 6 months old to 17 years old.

This insurance policy provides more services as you can still use the insurance up to 80 years old. It covers hospitalization and ICU expenses, pre and post-hospitalization expenses, as well as twice a year of medical checkups. However, this insurance policy only provides coverage in Indonesia, Malaysia, Singapore, and Thailand.

Manulife MiUltimate HealthCare

Last but not least is the Manulife MiUltimate healthcare, which provides a lot of benefits for the user. You can be as young as 6 years old to 70 years old to sign up for the insurance, and it can be extended until 90 years old.

No medical checkup is required if you sign up for this plan. It also offers a cashless claim method for an easier process. It covers daily hospitalization and ICU expenses, so you can rest assured. What makes Manulife one of the best health insurance in Indonesia is its service that covers 108 medical conditions and 50 critical illnesses.

These are the 5 best health insurances in Indonesia you can choose from before arriving in the country. Signing up with one of them will leave you to stress-free as you will be covered as long as you keep your account active and current. 


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If you need to make payment for your premium or even transfer internationally, Flip Globe is the best app to use. It is fast, cheap, and easy, so you don’t have to worry about the administration fee. Download the Flip app in the PlayStore and enjoy the benefits starting today!

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