Cost of Healthcare in Indonesia: Essential Guide for Expats

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Cost of healthcare in Indonesia. Photograph: Pavel Danilyuk via Pexels

If you’re considering living in Indonesia, one of the big questions you’ll want answered is: How much will healthcare cost? 

The answer varies widely based on whether you use public vs private facilities, your location, and the level of care you want. 

Here’s a breakdown to help you budget wisely and stay healthy without surprises.

Public vs Private Care, What You Get (and Pay For)

Public healthcare is available via BPJS Kesehatan for residents with valid permits. It’s affordable—but basic. Expect long wait times, limited specialist availability, and mostly Indonesian-speaking staff outside expat hubs. 

Public general practitioner (GP) visits can be very low cost—some estimates are around USD 3-10 or Rp 100,000-300,000 depending on the clinic and city.

Private clinics and hospitals are preferred by many expats. They offer faster service, modern equipment, more comfort, and often English-speaking staff—but at a significantly higher cost.

What You’ll Typically Pay for Common Services

Here are ballpark cost ranges for common healthcare services in Indonesia’s private or expat-friendly centers:

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Major Expenses: Maternity, Emergency & Surgery

Cesarean delivery or childbirth in a private hospital can cost Rp 30-50 million in Jakarta for basic-to-mid-range facilities. If you choose VIP suites or private hospitals with fancy amenities, it can be much higher.

Emergency care, surgeries, or specialist treatments quickly add up. For example, Bali private hospital charges for serious or complex treatments can be thousands of USD for major operations and specialized care.

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Health Insurance & How It Affects Cost

Cost of healthcare in Indonesia. Photograph: Cedric Fauntleroy via Pexels

Many expats rely on international or private health insurance to manage costs. These plans often cover private hospital stays, specialist visits, and emergency evacuations. 

Monthly premiums in Bali or Jakarta comfort zones typically run USD 200-400+ depending on how many people you insure and the level of coverage.

Local insurance or minimal plans are cheaper but come with more limitations (e.g., restrict hospital choice, higher co-pays, less coverage for foreign or imported medications).

Tips to Manage Healthcare Costs

• Always check what your insurance plan covers — room class, specialist fees, emergency evacuation, imported medicine, etc.
• Use local clinics for basic care. For non-urgent stuff, public or smaller private clinics are often good enough and much cheaper.
• Get vaccinations early on, ideally before arrival or soon after; private clinics offer good options but at premium prices.
• Travel smart: for serious treatments not available locally, some expats travel to nearby countries (e.g. Singapore or Malaysia) despite the cost.

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Maternity Care in Indonesia for Expatriates: Options, Costs, and Tips

Healthcare in Indonesia can be very affordable if you’re willing to use public or mid-range private services. But if you expect comfort, speed, specialist care, and advanced facilities, costs rise significantly. 

For expats, combining insurance with smart planning—choosing hospitals, checking fees, understanding levels of care—makes all the difference.

Whether you’re in Bali, Jakarta, or any major city, setting aside a sensible healthcare budget is a wise move to protect both your health and your wallet.

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