Insurance in Indonesia

Indonesia has a government administered social medical treatment plan that offers universal insurance to all who dwell in Indonesia, plus a fair quality of health care. The Indonesia state health care program provides that all manner of medical or dentistry treatments in a public facility is free for pensioners, civil servants, and needy citizens, with practically complete medical coverage for the remainder of the populace.

Expats in Indonesia or other tourists who are not earning in Indonesia are not insured with the state medical system, and they are encouraged to acquire some type of travel medical coverage to finance their health treatment, which needs to be in a private clinic. Since most of those who live in Indonesia can't buy private health insurance due to the higher cost, there frequently tends to be long waiting times in public hospitals.

The few Indonesians that can buy private health coverage can enjoy much speedier medical care treatment in a private facility. Payments to a private clinic are paid at the time of treatment, with a following repayment from the private medical insurer. Arising from the expensive price of premiums charged by Indonesian private health insurance companies, it is cheaper for tourists to acquire a plan from a separate country that can insure them medically when in Indonesia.