In this article, we will explore the health insurance requirements in Indonesia, the state health insurance system, how to apply for it, and the advantages of international private medical insurance.
Is Health Insurance Mandatory in Indonesia?
In Indonesia, health insurance is mandatory for all residents, including expats. This means that expats living in Indonesia must have health insurance to ensure they have access to quality healthcare services.
State Health Insurance System in Indonesia
The state health insurance system in Indonesia is known as the BPJS Kesehatan (Badan Penyelenggara Jaminan Sosial Kesehatan). It is a public healthcare system that provides healthcare coverage to all residents of Indonesia, including expats. The BPJS Kesehatan is funded through government taxes and contributions from employers and employees.
What does it cover?
The BPJS Kesehatan system provides comprehensive health coverage, including medical consultations, hospitalization, diagnostic tests, prescription drugs, and preventive care. The system also covers maternity care, dental care, and rehabilitation services. In addition to healthcare coverage, the BPJS Kesehatan system also provides disability and life insurance benefits.
How to Apply for State Health Insurance in Indonesia
Expats living and working in Indonesia must register for the BPJS Kesehatan system. Here are the steps to follow:
Obtain a Tax ID number: To register for the BPJS Kesehatan system, expats must first obtain a Tax ID number (NPWP) from the Indonesian government. This can be done by visiting a local tax office and providing documentation such as a passport, work permit, and proof of residency.
Register for health insurance: After obtaining a Tax ID number, expats can register for health insurance by completing an application form and providing documentation such as proof of residency and income.
Choose a health plan: The BPJS Kesehatan system offers several health plans, and expats can choose the plan that best suits their needs.
Make contributions: After enrolling in the system and choosing a health plan, expats must make monthly contributions based on their income. Contributions are automatically deducted from the employee’s salary if they are employed.
Receive health insurance card: After enrolling in the system and making contributions, expats will receive a health insurance card, which they can use to access healthcare services.
Advantages of International Private Medical Insurance
While the BPJS Kesehatan system provides comprehensive healthcare coverage, expats living in Indonesia may also consider purchasing international private medical insurance. Here are some advantages of international private medical insurance:
More comprehensive coverage
International private medical insurance can offer more comprehensive coverage than the BPJS Kesehatan system. This can include coverage for elective procedures, alternative therapies, and treatments not covered by the BPJS Kesehatan system.
Access to private healthcare facilities
International private medical insurance can provide access to private healthcare facilities, which may offer shorter wait times and more personalized care.
International private medical insurance is portable, which means that it can be used in other countries. This can be an advantage for expats who travel frequently or plan to relocate to another country in the future.
Many international private medical insurance providers offer English-speaking assistance, which can be helpful for expats who are not fluent in Indonesian.
Health insurance is mandatory for all residents of Indonesia, including expats. The state health insurance system, the BPJS Kesehatan, provides comprehensive healthcare coverage to all residents, including expats. Expats must register for the BPJS Kesehatan system and make monthly contributions based on their income. The system offers several health plans, and expats can choose the plan that best suits their needs. Additionally, expats may consider purchasing international private medical insurance for more comprehensive coverage, access to private healthcare facilities, portability, and English-speaking assistance. By understanding their health insurance options, expats can make informed decisions about their healthcare needs while living in Indonesia.