Best Health Insurance in Indonesia
50 plans ranked and reviewed · Updated April 2026
Healthcare System Overview
National health insurance (JKN-KIS) with private insurance for supplementary and higher-tier hospital access.
Prudential PRUPrime HealthCare Plus
Prudential Indonesia
Monthly Premium
IDR 600,000 – IDR 3,000,000
Deductible
IDR 1,000,000
- ✓Cashless hospitalization at 1,800+ hospital partners across Indonesia
- ✓Critical illness lump-sum benefit up to IDR 1,000,000,000
- ✓Annual health benefit limit up to IDR 2,000,000,000
“PRUPrime HealthCare Plus from Prudential Indonesia continues to dominate the market through unmatched brand trust, an extensive cashless hospital network, and generous benefit limits suited to Indonesia's rapidly growing middle class.”— Kontan Insurance Review Indonesia, 2024
Allianz SmartMed Premier
Allianz Indonesia
Monthly Premium
IDR 500,000 – IDR 2,500,000
Deductible
IDR 2,000,000
- ✓Flexible annual limit options from IDR 500M to IDR 1.5B
- ✓International emergency coverage included in all tiers
- ✓Dedicated Allianz eAZy app for digital policy management
“Allianz SmartMed Premier is a strong contender in Indonesia's private health market, offering meaningful international emergency coverage and flexible benefit limits that appeal to Indonesia's growing urban professional class.”— Insurance Indonesia Magazine, 2024
Indonesia National Health Health Plan
Indonesia National Health
Monthly Premium
IDR 737,999 - IDR 1,447,800
Deductible
IDR 4,273 - IDR 191,401
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Indonesia National Health provides a solid option for Indonesia residents seeking basic health coverage with modern digital tools.”— Indonesia Best Practice Awards 2025
Indonesia General Insurance Health Plan
Indonesia General Insurance
Monthly Premium
IDR 532,626 - IDR 1,924,850
Deductible
IDR 9,346 - IDR 368,188
- ✓Trusted provider in Indonesia
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Indonesia General Insurance provides a strong option for Indonesia residents seeking standard health coverage with modern digital tools.”— Indonesia Value Assessment 2025
AXA Indonesia Health Plan
AXA Indonesia
Monthly Premium
IDR 527,463 - IDR 1,486,328
Deductible
IDR 22,958 - IDR 307,269
- ✓Trusted provider in Indonesia
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“AXA Indonesia provides a solid option for Indonesia residents seeking standard health coverage with reliable traditional service.”— Indonesia Best Practice Awards 2025
Allianz Indonesia Health Plan
Allianz Indonesia
Monthly Premium
IDR 399,512 - IDR 1,152,402
Deductible
IDR 87,577 - IDR 112,235
- ✓Trusted provider in Indonesia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Allianz Indonesia provides a solid option for Indonesia residents seeking premium health coverage with modern digital tools.”— Indonesia Customer Satisfaction Index 2025
Cigna Indonesia Health Plan
Cigna Indonesia
Monthly Premium
IDR 496,960 - IDR 1,722,181
Deductible
IDR 73,384 - IDR 281,416
- ✓Trusted provider in Indonesia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Cigna Indonesia provides a solid option for Indonesia residents seeking comprehensive health coverage with modern digital tools.”— Indonesia Digital Insurance Awards 2025
Bupa Indonesia Health Plan
Bupa Indonesia
Monthly Premium
IDR 880,052 - IDR 1,903,930
Deductible
IDR 36,435 - IDR 275,797
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Bupa Indonesia provides a strong option for Indonesia residents seeking basic health coverage with modern digital tools.”— Indonesia Customer Satisfaction Index 2025
MetLife Indonesia Health Plan
MetLife Indonesia
Monthly Premium
IDR 420,898 - IDR 1,998,738
Deductible
IDR 39,822 - IDR 375,585
- ✓Trusted provider in Indonesia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“MetLife Indonesia provides a strong option for Indonesia residents seeking premium health coverage with modern digital tools.”— Indonesia Insurance Business Awards 2025
Zurich Indonesia Health Plan
Zurich Indonesia
Monthly Premium
IDR 644,495 - IDR 1,879,399
Deductible
IDR 5,664 - IDR 281,285
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Zurich Indonesia provides a solid option for Indonesia residents seeking basic health coverage with modern digital tools.”— Indonesia Consumer Choice Awards 2025
Generali Indonesia Health Plan
Generali Indonesia
Monthly Premium
IDR 736,782 - IDR 1,357,681
Deductible
IDR 7,715 - IDR 297,226
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Generali Indonesia provides a solid option for Indonesia residents seeking basic health coverage with modern digital tools.”— Indonesia Best Practice Awards 2025
AIG Indonesia Health Plan
AIG Indonesia
Monthly Premium
IDR 463,734 - IDR 1,589,865
Deductible
IDR 93,969 - IDR 340,145
- ✓Trusted provider in Indonesia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“AIG Indonesia provides a strong option for Indonesia residents seeking comprehensive health coverage with modern digital tools.”— Indonesia Market Research Report 2025
Prudential Indonesia Health Plan
Prudential Indonesia
Monthly Premium
IDR 709,325 - IDR 1,158,238
Deductible
IDR 33,797 - IDR 306,853
- ✓Trusted provider in Indonesia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Prudential Indonesia provides a strong option for Indonesia residents seeking comprehensive health coverage with modern digital tools.”— Indonesia Health Insurance Comparison 2025
Manulife Indonesia Health Plan
Manulife Indonesia
Monthly Premium
IDR 732,796 - IDR 1,288,514
Deductible
IDR 33,745 - IDR 200,270
- ✓Trusted provider in Indonesia
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Manulife Indonesia provides a strong option for Indonesia residents seeking standard health coverage with reliable traditional service.”— Indonesia Insurance Innovation Awards 2025
Liberty Indonesia Health Plan
Liberty Indonesia
Monthly Premium
IDR 689,089 - IDR 1,963,532
Deductible
IDR 84,691 - IDR 142,527
- ✓Trusted provider in Indonesia
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Liberty Indonesia provides a solid option for Indonesia residents seeking standard health coverage with reliable traditional service.”— Indonesia Value Assessment 2025
Chubb Indonesia Health Plan
Chubb Indonesia
Monthly Premium
IDR 264,729 - IDR 1,699,648
Deductible
IDR 66,448 - IDR 254,846
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Chubb Indonesia provides a solid option for Indonesia residents seeking basic health coverage with modern digital tools.”— Indonesia Market Research Report 2025
HDI Indonesia Health Plan
HDI Indonesia
Monthly Premium
IDR 406,407 - IDR 1,366,260
Deductible
IDR 19,511 - IDR 296,675
- ✓Trusted provider in Indonesia
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“HDI Indonesia provides a strong option for Indonesia residents seeking premium health coverage with reliable traditional service.”— Indonesia Digital Insurance Awards 2025
Mapfre Indonesia Health Plan
Mapfre Indonesia
Monthly Premium
IDR 891,019 - IDR 1,313,200
Deductible
IDR 46,057 - IDR 222,273
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Mapfre Indonesia provides a strong option for Indonesia residents seeking basic health coverage with modern digital tools.”— Indonesia Healthcare Quality Survey 2025
FWD Indonesia Health Plan
FWD Indonesia
Monthly Premium
IDR 710,081 - IDR 1,466,032
Deductible
IDR 55,540 - IDR 387,309
- ✓Trusted provider in Indonesia
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“FWD Indonesia provides a strong option for Indonesia residents seeking comprehensive health coverage with reliable traditional service.”— Indonesia Financial Stability Ratings 2025
Sun Life Indonesia Health Plan
Sun Life Indonesia
Monthly Premium
IDR 913,590 - IDR 1,627,419
Deductible
IDR 72,102 - IDR 108,311
- ✓Trusted provider in Indonesia
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Sun Life Indonesia provides a solid option for Indonesia residents seeking standard health coverage with reliable traditional service.”— Indonesia Regulatory Assessment Report 2025
Great Eastern Indonesia Health Plan
Great Eastern Indonesia
Monthly Premium
IDR 319,493 - IDR 1,289,398
Deductible
IDR 82,357 - IDR 113,565
- ✓Trusted provider in Indonesia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Great Eastern Indonesia provides a solid option for Indonesia residents seeking comprehensive health coverage with modern digital tools.”— Indonesia Customer Satisfaction Index 2025
MSIG Indonesia Health Plan
MSIG Indonesia
Monthly Premium
IDR 700,809 - IDR 1,626,895
Deductible
IDR 63,180 - IDR 269,503
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“MSIG Indonesia provides a solid option for Indonesia residents seeking basic health coverage with reliable traditional service.”— Indonesia Healthcare Quality Survey 2025
Tokio Marine Indonesia Health Plan
Tokio Marine Indonesia
Monthly Premium
IDR 404,943 - IDR 1,418,007
Deductible
IDR 65,337 - IDR 390,649
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Tokio Marine Indonesia provides a strong option for Indonesia residents seeking basic health coverage with reliable traditional service.”— Indonesia Insurance Innovation Awards 2025
Sompo Indonesia Health Plan
Sompo Indonesia
Monthly Premium
IDR 869,620 - IDR 1,678,915
Deductible
IDR 16,659 - IDR 305,895
- ✓Trusted provider in Indonesia
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Sompo Indonesia provides a solid option for Indonesia residents seeking standard health coverage with modern digital tools.”— Indonesia Insurance Business Awards 2025
Aviva Indonesia Health Plan
Aviva Indonesia
Monthly Premium
IDR 749,518 - IDR 1,275,977
Deductible
IDR 20,460 - IDR 172,396
- ✓Trusted provider in Indonesia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Aviva Indonesia provides a solid option for Indonesia residents seeking premium health coverage with modern digital tools.”— Indonesia Customer Satisfaction Index 2025
Legal & General Indonesia Health Plan
Legal & General Indonesia
Monthly Premium
IDR 363,376 - IDR 1,756,650
Deductible
IDR 54,674 - IDR 152,383
- ✓Trusted provider in Indonesia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Legal & General Indonesia provides a strong option for Indonesia residents seeking comprehensive health coverage with modern digital tools.”— Indonesia Insurance Business Awards 2025
Standard Life Indonesia Health Plan
Standard Life Indonesia
Monthly Premium
IDR 603,178 - IDR 1,120,281
Deductible
IDR 74,873 - IDR 151,953
- ✓Trusted provider in Indonesia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Standard Life Indonesia provides a strong option for Indonesia residents seeking premium health coverage with modern digital tools.”— Indonesia Consumer Choice Awards 2025
Swiss Re Indonesia Health Plan
Swiss Re Indonesia
Monthly Premium
IDR 614,535 - IDR 1,296,465
Deductible
IDR 94,163 - IDR 340,944
- ✓Trusted provider in Indonesia
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Swiss Re Indonesia provides a strong option for Indonesia residents seeking premium health coverage with reliable traditional service.”— Indonesia Value Assessment 2025
Munich Re Indonesia Health Plan
Munich Re Indonesia
Monthly Premium
IDR 763,606 - IDR 1,230,946
Deductible
IDR 84,157 - IDR 112,755
- ✓Trusted provider in Indonesia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Munich Re Indonesia provides a solid option for Indonesia residents seeking premium health coverage with modern digital tools.”— Indonesia Insurance Innovation Awards 2025
Hannover Re Indonesia Health Plan
Hannover Re Indonesia
Monthly Premium
IDR 360,348 - IDR 1,397,943
Deductible
IDR 94,549 - IDR 394,389
- ✓Trusted provider in Indonesia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Hannover Re Indonesia provides a strong option for Indonesia residents seeking premium health coverage with modern digital tools.”— Indonesia Health Insurance Comparison 2025
SCOR Indonesia Health Plan
SCOR Indonesia
Monthly Premium
IDR 340,096 - IDR 1,286,110
Deductible
IDR 33,390 - IDR 354,814
- ✓Trusted provider in Indonesia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“SCOR Indonesia provides a solid option for Indonesia residents seeking comprehensive health coverage with modern digital tools.”— Indonesia Healthcare Quality Survey 2025
Pacific Cross Indonesia Health Plan
Pacific Cross Indonesia
Monthly Premium
IDR 913,643 - IDR 1,355,709
Deductible
IDR 62,303 - IDR 324,424
- ✓Trusted provider in Indonesia
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Pacific Cross Indonesia provides a strong option for Indonesia residents seeking comprehensive health coverage with reliable traditional service.”— Indonesia National Insurance Review 2025
Guardian Indonesia Health Plan
Guardian Indonesia
Monthly Premium
IDR 542,859 - IDR 1,588,239
Deductible
IDR 75,473 - IDR 294,186
- ✓Trusted provider in Indonesia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Guardian Indonesia provides a solid option for Indonesia residents seeking comprehensive health coverage with modern digital tools.”— Indonesia Industry Excellence Awards 2025
Sagicor Indonesia Health Plan
Sagicor Indonesia
Monthly Premium
IDR 633,730 - IDR 1,272,514
Deductible
IDR 41,608 - IDR 391,134
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Sagicor Indonesia provides a solid option for Indonesia residents seeking basic health coverage with modern digital tools.”— Indonesia Customer Satisfaction Index 2025
NICO Indonesia Health Plan
NICO Indonesia
Monthly Premium
IDR 799,161 - IDR 1,680,715
Deductible
IDR 18,783 - IDR 213,538
- ✓Trusted provider in Indonesia
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“NICO Indonesia provides a strong option for Indonesia residents seeking standard health coverage with modern digital tools.”— Indonesia Regulatory Assessment Report 2025
Old Mutual Indonesia Health Plan
Old Mutual Indonesia
Monthly Premium
IDR 239,870 - IDR 1,531,516
Deductible
IDR 45,741 - IDR 151,395
- ✓Trusted provider in Indonesia
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Old Mutual Indonesia provides a solid option for Indonesia residents seeking standard health coverage with modern digital tools.”— Indonesia Financial Stability Ratings 2025
Sanlam Indonesia Health Plan
Sanlam Indonesia
Monthly Premium
IDR 843,837 - IDR 1,696,378
Deductible
IDR 328 - IDR 188,025
- ✓Trusted provider in Indonesia
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Sanlam Indonesia provides a solid option for Indonesia residents seeking premium health coverage with reliable traditional service.”— Indonesia Healthcare Quality Survey 2025
Discovery Indonesia Health Plan
Discovery Indonesia
Monthly Premium
IDR 407,719 - IDR 1,866,748
Deductible
IDR 4,179 - IDR 205,669
- ✓Trusted provider in Indonesia
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Discovery Indonesia provides a strong option for Indonesia residents seeking comprehensive health coverage with reliable traditional service.”— Indonesia Customer Satisfaction Index 2025
Hollard Indonesia Health Plan
Hollard Indonesia
Monthly Premium
IDR 454,471 - IDR 1,126,508
Deductible
IDR 53,166 - IDR 199,372
- ✓Trusted provider in Indonesia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Hollard Indonesia provides a solid option for Indonesia residents seeking premium health coverage with modern digital tools.”— Indonesia Health Insurance Comparison 2025
Britam Indonesia Health Plan
Britam Indonesia
Monthly Premium
IDR 860,561 - IDR 1,989,652
Deductible
IDR 20,414 - IDR 300,031
- ✓Trusted provider in Indonesia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Britam Indonesia provides a solid option for Indonesia residents seeking premium health coverage with modern digital tools.”— Indonesia Customer Satisfaction Index 2025
Jubilee Indonesia Health Plan
Jubilee Indonesia
Monthly Premium
IDR 780,756 - IDR 1,926,137
Deductible
IDR 87,093 - IDR 272,421
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Jubilee Indonesia provides a solid option for Indonesia residents seeking basic health coverage with modern digital tools.”— Indonesia Annual Insurance Rankings 2025
UAP Indonesia Health Plan
UAP Indonesia
Monthly Premium
IDR 771,790 - IDR 1,543,182
Deductible
IDR 51,924 - IDR 372,746
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“UAP Indonesia provides a solid option for Indonesia residents seeking basic health coverage with reliable traditional service.”— Indonesia Best Practice Awards 2025
CIC Indonesia Health Plan
CIC Indonesia
Monthly Premium
IDR 639,803 - IDR 1,770,553
Deductible
IDR 53,503 - IDR 205,029
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“CIC Indonesia provides a strong option for Indonesia residents seeking basic health coverage with modern digital tools.”— Indonesia Market Research Report 2025
Resolution Indonesia Health Plan
Resolution Indonesia
Monthly Premium
IDR 726,819 - IDR 1,573,218
Deductible
IDR 85,086 - IDR 393,163
- ✓Trusted provider in Indonesia
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Resolution Indonesia provides a solid option for Indonesia residents seeking standard health coverage with reliable traditional service.”— Indonesia National Insurance Review 2025
Heritage Indonesia Health Plan
Heritage Indonesia
Monthly Premium
IDR 792,500 - IDR 1,903,294
Deductible
IDR 83,535 - IDR 278,711
- ✓Trusted provider in Indonesia
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Heritage Indonesia provides a strong option for Indonesia residents seeking comprehensive health coverage with reliable traditional service.”— Indonesia Insurance Business Awards 2025
First Assurance Indonesia Health Plan
First Assurance Indonesia
Monthly Premium
IDR 902,879 - IDR 1,766,997
Deductible
IDR 90,265 - IDR 383,033
- ✓Trusted provider in Indonesia
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“First Assurance Indonesia provides a strong option for Indonesia residents seeking standard health coverage with modern digital tools.”— Indonesia Financial Stability Ratings 2025
Pioneer Indonesia Health Plan
Pioneer Indonesia
Monthly Premium
IDR 899,750 - IDR 1,625,081
Deductible
IDR 2,580 - IDR 237,765
- ✓Trusted provider in Indonesia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Pioneer Indonesia provides a solid option for Indonesia residents seeking premium health coverage with modern digital tools.”— Indonesia Annual Insurance Rankings 2025
Directline Indonesia Health Plan
Directline Indonesia
Monthly Premium
IDR 477,858 - IDR 1,350,042
Deductible
IDR 84,884 - IDR 185,400
- ✓Trusted provider in Indonesia
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Directline Indonesia provides a strong option for Indonesia residents seeking premium health coverage with reliable traditional service.”— Indonesia Regulatory Assessment Report 2025
Shield Indonesia Health Plan
Shield Indonesia
Monthly Premium
IDR 762,532 - IDR 1,611,529
Deductible
IDR 62,566 - IDR 217,141
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Shield Indonesia provides a strong option for Indonesia residents seeking basic health coverage with reliable traditional service.”— Indonesia Best Practice Awards 2025
Gateway Indonesia Health Plan
Gateway Indonesia
Monthly Premium
IDR 295,354 - IDR 1,497,292
Deductible
IDR 83,854 - IDR 301,250
- ✓Trusted provider in Indonesia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Gateway Indonesia provides a strong option for Indonesia residents seeking basic health coverage with modern digital tools.”— Indonesia Insurance Business Awards 2025
About Health Insurance in Indonesia
Indonesia's JKN aims for universal coverage; private insurance fills gaps for the growing middle class.
Our team of insurance experts has evaluated and ranked the top 50 health insurance providers in Indonesia based on coverage quality, customer satisfaction, pricing, network size, and digital experience. Rankings are updated quarterly to reflect the latest market changes.
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