Expat Medical Insurance
Jan 8th, 2007, in Business & Economy, by PatungExpat health and medical insurance in Indonesia.
Most companies that employ expatriate staff in Indonesia will provide health and medical insurance for staff and their families for both sickness or accidents and emergencies. This matter should ideally be arranged prior to leaving for Indonesia as some companies may say one thing while you are still abroad and do another once you have arrived.
Make sure it is clear whether insurance coverage extends to everyday medical problems as well as significant medical needs like surgery or delivery of a baby, up to and including medical evacuation to another country or from an isolated workplace to a large city in Indonesia. Medivac operations can be extremely expensive and are often essential in Indonesia. Make sure as well, once you have been evacuated, that all the expenses of hospitalisation in the second country are covered – they are not always, particularly in those plans purchased by firms from “Group Practice Medical Clinics”.
16 Comments on “Expat Medical Insurance”
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Benjamin C. Bengert says:
I am a 65 year old single male in excellent health and considering retirement in Indonesia and would like a quote on a PPO type health insurance policy.
My telephone No: (504) 394 – 6077
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Syed Farid-ur-Rehman Qadri says:
I am a very healthy person. I have never been hospitalized in all my life even for a single day. I have no health problems at all
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You also have the option of getting private global medical cover, which means you will be covered if you move jobs or move countries, and in case you need to be evacuated home or to a place with better/ specialized facilities in a different country. This can be a better option than local insurance with your employer- to compare coverage and prices of different companies and policies try a specialized broker like
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like who?
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Oigal says:
SOS and Interglobal offer a reasonabale expensive but fairly good package with good evac and hospital cover in Singapore
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like pacific prime 😉
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trevor says:
I am living in Bali and would appreciate anyones advice on a good health insurance plan. I am not looking for repat inclusion just medical insurance on the island with maybe some inclusion of evac to Singapore. I have some quotes but they seem very expensive. I dont even need worldwide cover, maybe just Asia as I dont plan to move away from this area of the world soon.
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maya says:
I am living in Padang and would appreciate anyones advice on a good health insurance plan. I am not looking for repat inclusion just medical insurance on the island with maybe some inclusion of evac to Singapore. I have some quotes but they seem very expensive. I dont even need worldwide cover, maybe just Asia
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Achmad Sudarsono says:
Ibu Maya Yth.,
I think the best insurance is…
the Pancasila.
If you pray 5 x a day and be a good Muslim, the Allmighty will take care of you. How could he not ? If you follow His laws, all good things will be yours.
Drs. A. Sudarsono,
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Suryo Perkoso says:
Eeeh Achmad, you little bugger you.
The Pancasila didn’t help when you had the ‘flu and weren’t able to have that Wedang Sekoteng that you promised me.
Syed Farid-ur-Rehman Qadri Says:
July 21st, 2008 at 6:04 pm
I am a very healthy person. I have never been hospitalized in all my life even for a single day. I have no health problems at allYou should never tempt fate my friend, don’t come running to me if your favourite leg drops off tomorrow. Mortuaries the world over have clients who have never been hospitalized or had no health problems, least not until they died.
All joking aside, a useful discussion.
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Sorry I don’t see the point you’re trying to say here. Perhaps because I comfortably work for MNC so I’m used to such luxury standard? But perhaps expats who come to work for local company indeed have to be thoroughly with their contracts.
Good point actually, I don’t know anything about the topic at all, always like to say that I’ve never had insurance for anything in my life which isn;t true but I like to say it anyway. I forced myself to write this post in order to get in an affiliate link to an insurance company but unfortunately the company stopped their affiliate program so I had to remove the link and their blurb so now it just doesn’t make any sense….
All joking aside, a useful discussion.
Well some good came out of it. Maya hopefully someone will come to your aid on this, it just won’t be Achmad….
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Michael says:
After living in Indonesia for 10 years and researching extensively, the best I have come across is Inter Global. Cashless transactions at SOS etc, and evac to Singapore or your choice of country. If child is insured one parent can accompany paid for by Inter Global. I would be happy to help with more info if needed. I can be reached by Email at michael.crosby@ifafinance.com
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tomaculum says:
Which criteria do you have for a “best” insurance?
Are you all sure that the “best” health insurance can help you in Indonesia? I have heard frequently about expats prefer to go back to their country in bad condition and about Indonesians favour to go to Singapore,, Malaysia or Thailand during critical illness.
Achmad Sudarsono is maybe partially right, the best insurance in Indonesia is to pray to your Gods. 🙂 (Hi, Mad)
I, during my travels in the world, have a german special insurance which would pay a special flight back to Germany if needed with a special air plane.
And especially in Indonesia I would use it. -
In my opinion, Inter Global is at best marginal. Cashless system works fine but any claim is a battle against the legion of twits combing the fine print to avoid payment.
Example 12 months ago a friends child contracted Dengue and when admitted to hospital somewhere during the treatment she was administered a vitamin supplement.
IG had the nerve to send a bill for 87000Rp ($7.00) because Dietary Supplements are not covered… I don’t think anyone would disagree that Supplements should not be normally covered..nor would anyone disagree that trying to suggest a child being adminstered vitamins prescribed by a doctor whilst under going treatment for dengue is same thing. Amount was minor.. principle major
Or try a hospital providing a “cotbed” next the childs bed apparently under IG definition this qaulifies as “providing accomodation” for the parent.
Not suggesting IG are any worse than anyone else but as usual buyer beware and read the fine print because if they can squirm they will.
Mike..Do you have any connection to IG, I find it interesting that you would say IG..
evac to Singapore or your choice of country
Don’t their policies normally say decision to evac and to where remains an IG decision????
I would be very surprised to read where the client gets to choose what country (to be fair, its normally to Jakarta or Singapore not like they try and send you to outer barcoo or anything).
Disclaimer.. I too am ex IG member currently researching for alternative..
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Bob James says:
Most expats automatically assume that their plans are going to be the same as the plans from their own countries in most cases they are not or seem to be but are not regulated the same, as they usualy have to take on a local insurance partner and as in many countries in asia they really dont have the type of regulation that say i enjoyed when living in the uk, others open satalite branches and again have to take on local parteners to operate in that particular area as soon as this is done kiss bye bye to real regulation. Also i note people talking with regards to inter global well some bad news for all who live outside of Jakarta but still with in Indonesia they are not accepting any new customers and the ones who have already bought a plan will see massive increases this year and probably again on 1st january 2010 dont you just hate it when you think its all Sorted and along comes a recession and bang companies change beyond recognition…any one who needs any advice regarding expat health insurers please fell free to email me my name is Bob James
Comment on “Expat Medical Insurance”.
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Patung,
There’s a standard health insurance and medical covers made by the company for all staffs and it depends or their ranks and position in the company. That also covers their family (if any). For a specific country which is considered risky, like Indonesia (SAR, bird flu, TBC), the company will arrange treatment or vaccines not only to the expats who will move to Indonesia but also to their own local staffs here. I know there’s an MNC which arranges its local staff to have X-rays every 6 month. I myself got bird flu vaccine from the company I worked for.
Sorry I don’t see the point you’re trying to say here. Perhaps because I comfortably work for MNC so I’m used to such luxury standard? But perhaps expats who come to work for local company indeed have to be thoroughly with their contracts.