Student Insurance Indonesia
Indonesia's appeal to students lies in its rich cultural diversity, quality academic institutions, and unique learning opportunities. These combined elements offer a unique and enriching educational and cultural experience.
The application process to study in Indonesia is relatively straightforward. You’ll typically need a letter of acceptance from an Indonesian university, academic transcripts, recommendation letters, and proof of valid health insurance. Having international student health insurance for Indonesia is not only required for your visa but also essential for protecting your health and finances. It ensures you’re covered in case of illness or accidents during your stay, so you can focus on your studies without unexpected medical expenses.
Student Insurance Indonesia Student Backup
Cost-effective international health insurance for emergencies.
From
27€
- Worldwide coverage
- Maximum age: 30
- Covers emergencies and accidents only
- Up to €50,000 per year
- Repatriation assistance
- Civil liability
- Individual protection
Student Insurance Indonesia Student Budget
Health insurance with a good cover/price ratio.
From
37€
- Worldwide coverage
- Maximum age: 30
- Covers emergencies and accidents
- Covers 100% of routine medical care
- 100% hospitalization coverage
- Up to €150,000 per year
- Standard dental and optical expenses up to €350
- Contraception coverage + vaccines
- Maternity care
- Insurance in addition to RAMQ for access to private practitioners and clinics
- Repatriation assistance
- Civil liability
- Individual protection
Student Insurance Indonesia Student Global
Our most comprehensive international health insurance.
From
45€
- Worldwide coverage
- Maximum age: 35
- Covers emergencies and accidents
- Covers 100% of routine medical care
- 100% hospitalization coverage
- Up to €250,000 per year
- Higher ceilings per routine medical procedure
- Standard dental and optical expenses up to €550
- Contraception coverage + vaccines
- Maternity care
- Covers pre-existing conditions
- Repatriation assistance
- Civil liability
- Individual protection
Any questions? Need some advice?
How do I choose student insurance for Indonesia?
Can I be covered by social security in Indonesia as a foreign student?
Indonesia’s national health insurance system, Jaminan Kesehatan Nasional (JKN), was launched in 2014 to provide universal healthcare to all citizens. Foreigners who reside in Indonesia for more than six months may also be eligible to enroll. However, the JKN system has limitations, especially for international students.
Public hospitals under JKN are often overcrowded, with long wait times and limited facilities particularly outside major cities like Jakarta and Bali. Rural health centers (Puskesmas) generally lack the equipment and staff needed for serious medical treatment. While private hospitals offer better quality care, the costs are significantly higher and are not fully covered by JKN.
For these reasons, most international students in Indonesia choose to purchase private international health insurance. It gives you access to private healthcare facilities, wider medical networks, and additional benefits such as:
- Coverage for treatment abroad
- Medical evacuation and repatriation
- Dental and vision care
- Third-party liability protection
If you’re only visiting for a short time, consider Indonesia travel insurance. But if you’re relocating for your studies, international student insurance or expatriate insurance for Indonesia is your best option for comprehensive protection.
Health insurance options for foreign students in Indonesia
If you’re planning to study in Indonesia, health insurance is a must, not only for your visa, but for peace of mind during your stay. While there are a few options available, not all are suitable for foreign students.
- BPJS Kesehatan, Indonesia’s national health insurance, is technically available for long-term residents. However, its coverage is limited, especially for international students. The choice of hospitals is restricted, and services can be inconsistent or overcrowded.
- Local private health insurance may offer slightly better coverage but is often designed for Indonesian citizens, and may not include benefits like repatriation or international treatment key concerns for foreign students.
The most reliable and flexible option is international student health insurance. Plans like Mondassur’s GoldStudent are designed specifically for students studying abroad. We offer:
- Broad international medical coverage
- Access to private hospitals in Indonesia
- Emergency evacuation and repatriation
- Dental, optical, and third-party liability benefits
These features ensure you’re protected not only in Indonesia, but also during travel or emergencies abroad.
How much does health insurance for international students cost in Indonesia?
The cost of student health insurance in Indonesia depends on the type of plan, length of your stay, and level of coverage you choose.
- BPJS Kesehatan, Indonesia’s public health insurance, is affordable around €10 (or approximately IDR 170,000) per month. However, it has limited coverage, long wait times, and restricted hospital access, making it less practical for most international students.
- Local private health insurance provides a bit more flexibility, but these plans are typically designed for Indonesian nationals. Coverage may not include international travel or certain specialist care, which can be a challenge for foreign students.
- International student insurance is the most comprehensive option. It covers both local private hospitals and emergencies abroad. For example, Mondassur’s GoldStudent plan starts at €27 (around IDR 450,000) per month, offering higher coverage limits, international benefits, repatriation, and 24/7 assistance.
When planning your budget, it’s important to look beyond the price and consider what each plan actually covers especially in case of serious illness, accidents, or travel-related emergencies.
Do I need health insurance for my Indonesian student visa ?
You’ll need proof of health insurance to obtain your study visa for Indonesia. The list of documents required for the visa application process specifically mentions the need for a “recently issued health certificate,” which serves as proof of good health and generally implies that you have health insurance to cover any medical expenses during your stay.
Visa requirements can vary, so be sure to check the latest details with your nearest Indonesian embassy or consulate or directly with the university where you plan to study.
For personalized guidance and help choosing the right insurance plan, don’t hesitate to contact our advisors. Meanwhile, you can get a free quote for student health insurance in Indonesia to find the best coverage for your needs.
