Country guide — Asia-Pacific
Expat insurance and health insurance in Indonesia
In short
Health insurance is not required for a tourist visa or a short stay in Indonesia, but it is required at two levels for a long-term resident. Any foreigner residing more than six months on a KITAS must in principle join the public BPJS Kesehatan scheme. In addition, several long-stay visas (retirement KITAS E33F, Second Home Visa E33, remote-worker visa E33G) require private health insurance in the application file, with a minimum amount specified for some of them. Failure to join BPJS effectively blocks KITAS renewal in practice; a visa application without compliant insurance risks refusal.
Key figures
- 3,135 French nationals registered in 2025 (3,218 in 2024, -2.58%); actual community estimated at ≥12,000 permanent residents, plus ≈350,000 French visitors in 2024.
- Life expectancy at birth: 71.3 years in 2024.
- Health spending per capita: 131.78 USD in 2023 — well below the world average and Thailand.
Local healthcare system
A two-tier system: ≈2,900 public hospitals (RSUD) and more than 1,700 private facilities, concentrated in Jakarta, Surabaya and Bali. The national scheme Jaminan Kesehatan Nasional (JKN), run by BPJS Kesehatan since 2014, covers more than 260 million people, mostly Indonesians. Only KITAS or KITAP holders can join, with access limited to the chosen network — with no medical repatriation nor care received outside Indonesia. The vast majority of foreign residents turn to the private sector. Indonesian hospitals provide no care without a prior guarantee-of-payment agreement.
Legal and visa obligations
- BPJS Kesehatan mandatory beyond 6 months (KITAS/KITAP), legal basis Perpres 82/2018 (amended by Perpres 64/2020 and 59/2024). Employee (PPU): employer contribution 4% (max 480,000 IDR/month) + employee 1% (max 120,000 IDR/month). Individual participant (mandiri): 35,000 to 150,000 IDR/month depending on the class.
- Retirement KITAS (E33F, “lansia”): from age 55-60, income ≥3,000 USD/month, balance ≥2,000 USD, health and life insurance ≥25,000,000 IDR (≈1,600 USD). See expat retirement insurance.
- Second Home Visa (E33): deposit ≥2 billion IDR (≈126,000 USD) or property ≥5 billion IDR; an insurance certificate valid for the entire length of stay is required in the file — no minimum amount is published by the Directorate General of Immigration (unlike the retirement KITAS E33F, which sets ≥25,000,000 IDR).
- Remote-worker visa (E33G), since 1 April 2024: income ≥60,000 USD/year, balance ≥2,000 USD; international health insurance mandatory (simple travel insurance is not accepted), required to cover hospitalisation and emergency care for the full length of the visa — no minimum amount published. See digital nomad / mobile freelancer insurance.
- No working holiday visa between France and Indonesia — see the definition of a working holiday visa.
Cost of some medical procedures
Orders of magnitude from specialised sources, not official fee schedules.
| Procedure | Public sector | Private sector |
|---|---|---|
| GP consultation | — | ≈18 to 48 € (200,000-500,000 IDR) |
| Specialist consultation | — | ≈30 to 90 € (500,000-1,000,000 IDR) |
| Emergency room (access) | — | ≈1,000,000 to 10,000,000 IDR depending on the facility, excluding admission (e.g. BIMC Bali 3,000,000-10,000,000 IDR) |
| Night of hospitalisation | — | ≈50 to 600 €/night depending on the source |
| X-ray / MRI | — | X-ray ≈350,000-700,000 IDR; MRI ≈3,000,000-6,000,000 IDR depending on the area scanned (e.g. BIMC, Siloam) |
| International medical evacuation | — | ≈15,000 to 150,000 € depending on distance/severity |
Social security agreements with France
Indonesia is not among the countries with a social security agreement in force with France (unlike South Korea, India, Israel, Japan or the Philippines).
- No scheme coordination, no cross-border cover of health costs.
- Voluntary affiliation to the CFE or private insurance needed for cover recognised by a French system.
- BPJS Kesehatan, even when mandatory, does not replace CFE or international cover: it only covers the network chosen in Indonesia.
Which insurance for my profile
General matrix — does not recommend any specific product or insurer.
| Profile | Regulatory constraint | Points of attention |
|---|---|---|
| Working holiday visa | No France-Indonesia agreement: status does not exist | Use another visa (tourism, social/cultural) |
| Student | Health insurance from an Indonesian-registered insurer covering care during the stay is mandatory, required in the pelajar visa file; no minimum amount published | Also check the specific requirements of the host institution |
| Local employee (work KITAS) | BPJS Kesehatan affiliation mandatory beyond 6 months | Check what the chosen BPJS network actually covers (local care only) |
| Retiree (KITAS E33F) | Health/life insurance ≥25,000,000 IDR required in the file | Distinguish the visa insurance from broader international cover |
| Second Home / remote worker (E33/E33G) | Insurance certificate required for the entire length of the visa | Check that the policy explicitly covers Indonesia, including at renewal |
Hospitals and care network
- BIMC Hospital (Bali) — a reference for expats and tourists since 1998, 24/7 emergency care, coordination with international insurers.
- Siloam Hospitals (national network, including Bali) — Indonesia's largest private hospital network, JCI accreditation for some sites.
- RS Premier Jakarta — named "best hospital in Indonesia" 2021-2023 according to the guides reviewed.
Practical steps
- Registration recommended with the roll of French nationals living abroad (embassy in Jakarta).
- Apply for a KITAS (work, retirement, Second Home, remote worker) via the Directorate General of Immigration, stated processing time 4 to 8 weeks.
- BPJS Kesehatan affiliation once the KITAS is obtained, for the relevant profiles.
- Voluntary CFE affiliation recommended given the lack of a social security agreement.
Frequently asked questions
Is health insurance mandatory for all French nationals settling in Indonesia?
Not in a single, general way. A KITAS holder residing more than six months must join BPJS Kesehatan, and several long-stay visas require private insurance in the application file.
Does French social security continue to cover me in Indonesia?
Not automatically, in the absence of an agreement. Voluntary CFE affiliation or international insurance is needed.
Is Indonesian BPJS Kesehatan enough as sole health cover?
No: it gives access to a contracted network in Indonesia, but covers neither medical repatriation nor care received outside Indonesia.
Is there a working holiday visa between France and Indonesia?
No, Indonesia is not among the partner countries for the working holiday visa listed by CLEISS.
What insurance amount should be planned for a retirement KITAS (E33F)?
Minimum cover of 25,000,000 IDR (≈1,600 USD) is required, in addition to the income and bank balance conditions specific to this visa.
Moving to Indonesia? Get a quote
Written by Expavy
Sources
- France Diplomatie — Indonesia, Health
- CLEISS — Bilateral agreements in force
- Peraturan BPK RI — Perpres No. 82 Tahun 2018
- Indonesian Directorate General of Immigration — E33G visa FAQ
- World Bank — Life expectancy, Indonesia
- France Diplomatie — Register of French nationals living abroad (carte-registre, 2025 data)
- Kantor Imigrasi Yogyakarta — Pelajar visa application (health insurance requirement)
- Emerhub — Indonesia Remote Worker Visa (E33G)
- BIMC Hospital / Siloam Hospitals — radiology and emergency rates (via balidoneright.com)