Healthcare in Indonesia: What You Need to Know

Indonesia offers a diverse healthcare system, but its standards vary significantly across regions. While major cities like Jakarta and Bali have well-equipped private hospitals, public healthcare often struggles with overcrowding, limited resources, and inconsistent quality.

For expatriates and travelers, navigating Indonesia’s healthcare landscape can be challenging. This guide will help you understand the medical system, health risks, and why private health insurance with Pacific Cross is essential for comprehensive protection.

Public vs. Private Healthcare in Indonesia

Public Hospitals

Indonesia’s national healthcare system, Jaminan Kesehatan Nasional (JKN), was introduced in 2014 to provide universal health coverage. While this initiative has increased access to healthcare, public hospitals remain underfunded, crowded, and lacking in modern medical equipment.

Many public hospitals:

• Face staff shortages and long wait times
• Offer limited specialist care
• Have lower hygiene and sanitation standards
• Primarily cater to Indonesian-speaking patients

For serious medical conditions, patients often need to seek treatment in private hospitals or travel abroad to countries like Singapore and Malaysia.

Private Hospitals and Clinics

Indonesia has more private healthcare facilities than public ones, offering higher-quality treatment, better-trained staff, and access to international-standard care. While private hospitals in cities like Jakarta, Surabaya, and Bali provide excellent services, they can be expensive, with upfront payment often required.

Key benefits of private hospitals:

• Shorter wait times
• Access to advanced medical equipment
• English-speaking doctors and staff
• International treatment standards

Since private healthcare costs can be high, health insurance is essential for expatriates and long-term visitors. Pacific Cross offers reliable coverage to ensure you receive the best care when needed.

Health Insurance in Indonesia

Why You Need Private Health Insurance

While participation in Indonesia’s national health system (JKN) is mandatory for employees, its coverage is basic and limited. Foreign residents and expats often require additional private insurance to cover:

• Private hospitals and clinics for better care
• Specialist treatments not included in JKN
• Emergency evacuation to international medical centers
• Worldwide coverage for travel and relocation

Common Health Risks in Indonesia

Infectious Diseases

• Mosquito-borne illnesses: Malaria, dengue fever, chikungunya, and Zika are risks in certain areas. Use insect repellent and sleep under mosquito nets when traveling to rural regions.
• Polio outbreaks: Reported in Java and Sumatra. Ensure vaccinations are up to date before travel.
• Rabies: Avoid contact with stray animals and seek immediate treatment if bitten.

Food and Water Safety

• Street food can be risky—ensure meat is fully cooked.
• Drink only bottled or purified water to avoid waterborne illnesses.

Air Pollution and Natural Disasters

• Forest fires during the dry season (May–November) cause severe air pollution. Wearing a mask can help protect your health.
• Earthquakes, volcanic eruptions, and tsunamis are risks in certain regions. Follow government safety guidelines.

Emergency Medical Care in Indonesia

What to Do in a Medical Emergency

• Call 112 for an ambulance. However, due to heavy traffic, it is often faster to go to the nearest private hospital by taxi.

Medical Evacuation

• For serious conditions, evacuation to Singapore, Malaysia, or Thailand may be necessary. Pacific Cross offers medical evacuation coverage, ensuring access to world-class treatment when required.

Staying Protected in Indonesia

Healthcare in Indonesia presents challenges, but having the right insurance ensures access to top-tier medical services without financial burden. Whether you need routine check-ups, emergency care, or international-standard treatment, Pacific Cross provides the coverage you need for a worry-free experience.

Stay safe, stay covered—with Pacific Cross.