Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, where he focuses on helping people compare health plans for life abroad. He emphasizes clear information, neutral analysis, and practical decision support.
Indonesia Second Home Visa Insurance Requirements
Indonesia's Second Home Visa allows stays of 5-10 years for remote workers, retirees, and investors. Launched in 2022, this visa targets affluent foreigners who want to live in Indonesia long-term, with Bali being the most popular destination.
Key Insurance Requirements
- • Health insurance is mandatory for visa application
- • Must cover medical treatment in Indonesia
- • Minimum coverage: typically $25,000-50,000 recommended
- • Financial requirement: $130,000 in Indonesian bank OR property ownership
- • Evacuation coverage to Singapore strongly recommended
- • Policy must be valid for duration of stay
Indonesia has good private hospitals in Jakarta and Bali but limited options elsewhere. For serious conditions, medical evacuation to Singapore (90-minute flight from Bali) is common. Any insurance for Indonesia should include robust evacuation coverage.
The Second Home Visa targets higher-income individuals ($130K+ in assets), so comprehensive international insurance is often the appropriate choice. Budget options work for younger, healthier nomads who accept more risk.
Quick Comparison: Insurance Options for Second Home Visa
Second Home Visa holders typically choose between comprehensive international coverage, nomad-focused plans, or local Indonesian insurance:
| Feature | Cigna Global | SafetyWing | Local Indonesian |
|---|---|---|---|
| Second Home Visa Acceptance | ✓ Accepted | ✓ Accepted | ✓ Accepted |
| Indonesia Network | Good (international hospitals) | Reimbursement | Extensive |
| Singapore Evacuation | ✓ Included | ✓ Included | Varies |
| Pre-existing Conditions | Moratorium option | Not covered | Case-by-case |
| International Coverage | Worldwide | Outside home country | Indonesia only |
| Monthly Cost (35yo) | $400-600 | $69-99 | $100-300 |
| Annual Maximum | Unlimited | $250,000 | $100K-500K |
| Best For | Comprehensive coverage | Budget nomads | Long-term residents |
Cigna Global
Cigna Global provides comprehensive coverage ideal for the affluent demographic the Second Home Visa targets. With direct billing at major Indonesian hospitals and full Singapore evacuation coverage, it's the premium choice.
Strengths
- • Direct billing at BIMC Bali, Siloam, Pondok Indah
- • Unlimited medical evacuation to Singapore
- • Worldwide coverage for travel
- • Comprehensive outpatient and specialist care
- • Pre-existing condition options available
- • 24/7 support with Indonesian coordinators
Considerations
- • Expensive compared to local or nomad options
- • May be overkill for young, healthy individuals
- • Direct billing network limited outside major cities
- • Deductibles can be high to lower premiums
Get a Cigna Global Quote
Comprehensive coverage with Singapore evacuation for Indonesia.
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SafetyWing Nomad Insurance
SafetyWing offers affordable coverage designed for digital nomads. At $69/month regardless of age (up to 39), it's the budget choice for younger Second Home Visa holders willing to accept coverage limits.
Strengths
- • Extremely affordable ($69/month under 40)
- • Accepted for Second Home Visa
- • Medical evacuation included
- • Month-to-month flexibility
- • Good for nomads who travel frequently
- • Simple sign-up process
Considerations
- • $250K coverage limit (low for serious illness)
- • $250 deductible per incident
- • No direct billing—must pay and claim
- • Pre-existing conditions not covered
- • Limited outpatient coverage
- • Not suitable for those with health conditions
Get SafetyWing Coverage
Budget-friendly nomad insurance starting at $69/month.
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Local Indonesian Insurance
Indonesian insurers like Allianz Indonesia, AXA Mandiri, and Prudential Indonesia offer plans for residents. These provide broad local networks but may lack international coverage and Singapore evacuation.
Strengths
- • Extensive Indonesian hospital network
- • Direct billing widely available
- • Affordable premiums
- • Indonesian-language support
- • Can include dental and maternity
- • Local claims processing
Considerations
- • May not cover Singapore evacuation
- • No international coverage
- • Per-incident and annual limits
- • Claims process can be bureaucratic
- • Pre-existing condition exclusions
- • Quality varies significantly by insurer
Popular local options: Allianz Indonesia (SmartHealth), AXA Mandiri, Prudential Indonesia, BNI Life. Compare at the insurer websites directly or through local brokers. Ensure any plan includes emergency evacuation coverage.
Coverage Comparison
Here's how coverage compares. Singapore evacuation capability is critical for Indonesia:
| Coverage Type | Cigna Global | SafetyWing | Local Indonesian |
|---|---|---|---|
| Inpatient Hospital | 100% covered | $250K limit | Per-incident limits |
| Outpatient Care | 100% covered | Limited | Often included |
| Emergency Evacuation | Unlimited | $100K limit | Varies by plan |
| Singapore Medevac | ✓ Full coverage | ✓ Covered | May not cover |
| Dental | Optional | Emergency only | Some plans |
| Vision | Optional | Not covered | Rarely |
| Mental Health | Full coverage | Limited | Limited |
| Pregnancy | Optional add-on | Limited maternity | Some plans |
For Indonesia, medical evacuation coverage is essential. Jakarta and Bali have good private hospitals, but complex surgeries, cancer treatment, and cardiac care are often better handled in Singapore.
Pricing Comparison
SafetyWing is dramatically cheaper but with coverage limits. Local Indonesian insurance offers middle-ground pricing:
| Age Group | Cigna Global | SafetyWing | Local Indonesian |
|---|---|---|---|
| 25-30 | $280-450/month | $69/month | $80-180/month |
| 30-35 | $350-550/month | $69/month | $100-220/month |
| 40-45 | $500-780/month | $99/month | $150-350/month |
| 50-55 | $720-1,100/month | $148/month | $250-500/month |
SafetyWing's flat-rate pricing is attractive for younger nomads. However, the $250K limit means a serious illness could exceed coverage. Consider your risk tolerance and financial situation.
Network Access in Indonesia
Healthcare quality varies significantly across Indonesia. Here's network access by region:
| Region/City | Cigna Global | SafetyWing | Local Indonesian |
|---|---|---|---|
| Bali (Denpasar) | BIMC, Siloam | Reimbursement | All major hospitals |
| Jakarta | Pondok Indah, Siloam | Reimbursement | Extensive network |
| Yogyakarta | Limited direct billing | Reimbursement | Good coverage |
| Other Islands | Reimbursement | Reimbursement | Variable |
| Singapore (Evacuation) | Mount Elizabeth, Raffles | Covered | May not cover |
| International | Worldwide | Outside home country | Not covered |
In Bali, BIMC is the go-to international hospital for expats. In Jakarta, Pondok Indah and Siloam are top choices. Outside major cities, healthcare can be limited—evacuation coverage becomes more important.
Real-World Scenarios
Scenario 1: Young Digital Nomad in Bali
28-year-old remote worker, healthy, surfing lifestyle, plans to stay 2-3 years.
Recommendation: SafetyWing
At $69/month, SafetyWing covers the basics and includes evacuation. Young, healthy people rarely need the comprehensive coverage of Cigna. Accept the $250K limit as reasonable risk.
Scenario 2: Affluent Retiree in Bali
58-year-old retiree with $500K+ assets, some health conditions, plans long-term stay.
Recommendation: Cigna Global
At this age and asset level, comprehensive coverage with unlimited evacuation is essential. Cigna's moratorium option can cover pre-existing conditions after waiting period. Don't risk your retirement savings on inadequate insurance.
Scenario 3: Family with Children in Jakarta
40-year-old couple with two young children, working remotely, need pediatric access.
Recommendation: Cigna Global or Allianz Indonesia
Children need reliable pediatric care. Cigna provides comprehensive family coverage. Allianz Indonesia is more affordable with good Jakarta networks. Either ensures access to quality pediatric specialists.
Scenario 4: Frequent Traveler Using Bali as Base
35-year-old entrepreneur, travels to Singapore and Bangkok monthly, Bali home base.
Recommendation: Cigna Global or SafetyWing
International coverage is essential for your travel. Cigna provides premium coverage everywhere. SafetyWing also covers outside your home country at budget rates. Choose based on budget and risk tolerance.
Scenario 5: Remote Worker in Yogyakarta
32-year-old content creator living in Yogyakarta, limited local healthcare options.
Recommendation: Cigna Global with evacuation focus
Yogyakarta has limited international-standard healthcare. Evacuation coverage to Jakarta or Singapore is critical. Cigna's evacuation benefit covers transport to appropriate facilities—essential outside major cities.
Our Verdict
For Second Home Visa holders, insurance choice depends on age, health, and risk tolerance. Young, healthy nomads can use SafetyWing as budget coverage. Older individuals or those with assets to protect should invest in Cigna Global's comprehensive coverage. Local Indonesian insurance works for long-term residents comfortable with the local healthcare system.
Choose Cigna Global If...
- • Over 45 or have health conditions
- • Significant assets to protect
- • Want Singapore evacuation certainty
- • Prefer direct billing
Choose SafetyWing If...
- • Under 40 and healthy
- • Budget-conscious
- • Accept coverage limits
- • Flexible nomad lifestyle
Choose Local Insurance If...
- • Long-term Indonesia resident
- • Comfortable with local system
- • Want extensive local network
- • Don't need international coverage
Frequently Asked Questions
What insurance is required for the Second Home Visa?
Health insurance is mandatory, but Indonesia doesn't specify a minimum coverage amount. Most applicants use international insurance with at least $50,000 coverage. The visa also requires $130,000 in an Indonesian bank account OR property ownership.
Why is Singapore evacuation coverage important?
Indonesia has good hospitals in Jakarta and Bali, but for complex surgeries, cancer treatment, cardiac care, and neurological conditions, Singapore offers world-class facilities. Singapore is a 90-minute flight from Bali. Medical evacuation there can cost $20,000+ without insurance.
Which hospitals accept international insurance in Bali?
BIMC Hospital (Kuta and Nusa Dua locations) is the main international hospital accepting most global insurers. Siloam Hospitals also work with international insurers. Always confirm direct billing with your specific insurer before treatment.
Can I use Indonesian public healthcare?
Indonesia has a public system (BPJS Kesehatan), but foreigners on Second Home Visas typically cannot enroll. Even if you could, public hospitals have long waits and language barriers. Private insurance is the practical choice for foreigners.
Is SafetyWing's $250K limit enough?
For most routine care and even many serious conditions, yes. However, extended ICU stays, cancer treatment, or complex surgeries can exceed $250K. If you have significant assets or pre-existing conditions, consider higher coverage. Young, healthy individuals with limited assets often accept this limit as reasonable.
What about dengue fever coverage?
All insurance options cover dengue fever treatment—it's not considered pre-existing. Dengue is common in Indonesia, especially during rainy season. Treatment is straightforward (hospitalization for monitoring), and insurance covers it without issues.
Disclaimer: Indonesia visa requirements and healthcare options can change. Verify current Second Home Visa requirements with Indonesian immigration. Confirm policy details and coverage limits directly with insurers before purchasing. This comparison is for informational purposes and does not constitute insurance or immigration advice.
