Health Insurance in Indonesia, Asia

Useful information for expatriates in Indonesia

Capital City: Jakarta
Total area: 1,904,570 km2
Population: 261,115,456 
Money: Currency Converter
Time Zone: List of time Zones by Country
Calling Code: +62 XXX

Practical Information:
Wikipedia Indonesia

Health Insurance plans: Travel Insurance and Health Insurance
Health Insurance information and Sanitary Risk: World Health Map
BLOG: Expat Health insurance Information

Here is a brief description of the healthcare system in the country:

·      Indonesia has a universal healthcare system called JKN that aims to provide coverage for all citizens.

·      JKN is divided into different schemes depending on income level - general taxpayers, underprivileged groups, civil servants.

·      The system is decentralized, with both public and private primary, secondary and tertiary providers.

·      Primary care is accessed through community health centers, clinics and mobile units, often dependent on location.

·      Private hospitals and specialists dominate secondary/tertiary segments, attracting over 50% of total spending.

·      Public funding is limited at around 3% of GDP and mostly used for infrastructure over operations/personnel.

·      JKN targets 75% population coverage but almost 50% still pay direct for care due to premiums or remote locations.

·      Healthcare access and quality are highest in more developed cities but lag severely elsewhere.

·      Doctors and equipment are unevenly distributed between urban and rural areas.

Here are some key health considerations for expatriates living in the country:

·      Purchase full comprehensive international medical evacuation insurance before arriving. Do not rely only on Indonesia's developing public system.

·      Major cities like Jakarta, Bali have international standard private facilities expatriates prefer to the public options.

·      Ensure insurance provides coverage throughout the country, as quality declines severely outside biggest urban areas.

·      Bring necessary medications rather than rely on inconsistent local availability and quality in pharmacies.

·      Learn basic medical terms in Bahasa Indonesian and hire translators if needed for remote areas.

·      Strictly follow water/food safety protocols given risk of vaccine-preventable tropical diseases.

·      Exercise caution regarding air pollution in major cities and contingency planning for health emergencies.

·      Road travel risks warrant having an evacuation plan in place via registered medical facilities.

·      Vaccinations against common illnesses like influenza are recommended.

·      Mental health support access is limited, so private online counseling may assist remote expats.