Insurance

There are several types of insurances you need to take into account when living in Indonesia.

National Insurance Program

Badan Penyelenggara Jaminan Sosial (BPJS) is the National Social Security Scheme of the Indonesian government:

The BPJS provides 2 mandatory insurance programs:

  • Healthcare insurance (BPJS Kesehatan)
  • Social Security insurance (BPJS Ketenagakerjaan)

All Indonesian residents, including foreigners / expats who have been living in the country for 6 months or more, are obliged to obtain the national health insurance.

Anyone residing in Indonesia and being employed by a company, foreign or local, will also need to register for the social security insurance.

Health Insurance

There are 3 types of health care coverage under the BPJS Kesehatan scheme:
  • Basic Healthcare; under this service, you can choose a doctor, dentist or clinic in case you need basic  healthcare services.
  • Advanced Healthcare; under this service, you can get a signed referral letter from your doctor to receive advanced treatment at specialized clinics or hospitals in case your general practitioner cannot give you the further medical treatment required.
  • Hospitalization care; under this service, you can get the treatment and care which requires (overnight) hospitalization.

If you are residing in Indonesia as an individual, you can obtain a personal BPJS Health Insurance.

Be aware that several complicated or enduring medical treatments are not covered by the BPJS insurance scheme. So if you wish to have better coverage, you should consider taking out an additional health insurance policy at a commercial healthcare insurance company at your own expense, unless your employer has arranged additional health insurance or has agreed to reimburse any additional costs not covered by the BPJS scheme.

There are several general insurance companies in Indonesia, which are affiliated with reputable Western insurance firms who offer reliable medical insurance.

Finding the most suitable additional healthcare plan for your specific requirements can be time-consuming.
AdvintA can assist you if you encounter any BPJS registration obstacles or in identifying a reliable commercial insurance company with suitable premiums, policy structures and claim procedures.

Social Security insurance

There are 4 types of social security protection under the BPJS Ketenagakerjaan scheme:
  • Elderly Protection, known as Jaminan Hari Tua (JHT); receive a benefit once you have left the company or when you reach the age of 55 years.
  • Pension Plan, known as Jaminan Pensiun (JP); receive a benefit when you have reached the retirement age.
  • Work Accident Protection, known as Jaminan Kecelakaan Kerja (JKK); receive compensation for medical expenses incurred resulting from work-related accidents during working hours in the company.
  • Life insurance, known as Jaminan Kematian (JK); receive compensation under a life term insurance, benefitting the next of kin in case of non-work related accidental death while employed by the company.

If you are an independent professional i.e. working as a freelancer in Indonesia, you can register as an independent BPJS Social Security member.

Be aware that the pension and accidental death benefits are not that substantial. So if you wish to build up extra pension or receive higher accidental death settlements, then you should consider taking out an additional capital insurance or life insurance at a commercial insurance company at your own expense.

Social security plans may apply to life insurance policies, as well as pension plan policies.
So you may consider investing part of your savings in an insurance product which pays out after your retirement.

AdvintA can assist you in identifying a reliable insurance company with suitable premiums, policy structures and pay out procedures.

Business travel insurance

If you are a frequent business traveler, it is highly recommended to have business travel insurance.
Be aware that a tourist travel policy will not cover any injuries or damages incurred if you are in Indonesia for work or business.

The travel insurance should cover emergency evacuation and repatriation to the place with the appropriate medical facilities and to your native country.

In your country of origin there are usually a variety of insurers which can service you.
If not, AdvinA can assist you in finding a suitable travel insurance plan.

Personal liability insurance

For expatriates living in Indonesia, it is highly recommended to have this risk covered.
If you already have (mandatory) personal liability insurance from your home country, you should check whether the policy includes global coverage (including Indonesia).
If not, you should purchase a personal liability policy in Indonesia with a western-local joint venture insurance company. In case of a claim against you by a third party, a reputable insurance firm will be better equipped to handle that.

Still, the legal and claims department of the insurer may not be able to assist you in every possible way; the judicial system in Indonesia can be inconceivable, especially for foreigners.
So in case you have a liability dispute, AdvintA is able to help you settle such a claim as your legal representative.

Home Insurance

If you a/o your Indonesian spouse own property, we advise you to purchase a home insurance policy from a reliable international insurance company with physical presence in Indonesia.

If complications arise when processing claims, the insurer must be able to investigate claims on location.

Summary

Badan Penyelenggara Jaminan Sosial (BPJS) is the Social Security Administrative Institute of the Jaminan Kesehatan Nasional (JKN) being the National Insurance Program of the Indonesian government.

This program has 2 mandatory national insurance schemes, the healthcare insurance (BPJS Kesehatan) and the social security insurance (BPJS Ketenagakerjaan).

AdvintA can assist you in registering with the government BPJS insurance scheme.
For your additional insurance needs, we can advice you re suitable commercial insurance companies.

When selecting such an insurance company, take into account the following:

  • Reputable Western-Indonesian joint venture insurance company.
  • Insurance company with a long presence in Indonesia.
  • English speaking customer service available.
  • Adequate claim processing and payout time.
  • Natural disaster coverage available in case of damage by floods, earthquakes a/o volcanic eruptions.

In case you have a dispute regarding coverage or claim, please contact us so we can assess how to come to a satisfactory solution.