Living in Indonesia, A Site for Expatriates

Check out What's New on the Expat Web Site
Information for foreigners moving to Indonesia

Home » Practical Information » Health and Medical Concerns

The Benefits of Travel Insurance

Practical Information for foreigners, expats and expatriates moving to Indonesia - find out about housing, schooling, transport, shopping and more to prepare you for your stay in Indonesia

Translate this Page

Bookmark and Share
Links to hundreds of articles giving practical information for expats moving to Indonesia
Post your questions or communicate with other expats in Indonesia on the Expat Forum
Looking for a place to stay in Indonesia - check out the Housing Forum
Looking for a weekend or holiday getaway ... visit some of Indonesia's Great Escapes
Advice and resources for conducting business in Indonesia
Info on expatriate community organizations in Indonesia
Shops, Products and Services
Links to other useful Indonesian or expat-related web sites
Expat Humor - spread the joys of Living in Indonesia through e-postcards
Site Map
Return to the Home Page
expatriate information for Indonesia

Always travel with insurance. If you are a frequent or even occasional business traveler, make sure your secretary or your company's travel office knows this. If it's not company policy, pay for it yourself and apply for a reimbursement; it will almost always be approved.

American healthcare costs are the highest in the world, but medical care elsewhere is not necessarily much cheaper. A businessman in Hong Kong recently faced a US$45,000 bill for urgent bypass surgery while visiting "only for a few days". A man whose wife fell into a boiling mud pool in New Zealand faced combined hospital, hotel stay (while she recuperated) and repatriation costs exceeding US$37,000. And a man who took his family to Bali for a weekend break was lucky that he was able to afford the US$25,000 to rush his son to the nearest center with neurosurgical facilities to remove a blood clot after a head injury. His stateside medical insurance covered him for the hospital costs in Singapore, but did not pay for emergency aeromedical evacuation.

Always choose insurance which covers emergency evacuation and repatriation to your country of origin, not just to the nearest place with acceptable medical facilities. What is acceptable to the insurer's medical advisers may be far from acceptable to the patient on the receiving end. Few insurers are getting medical advice from doctors who have actually lived and worked in the country under discussion, as for the most part they live and work in developed countries. To state the obvious, "sounds good" is not the same as "is good".

It may be useful to ring the so-called 24-hour emergency number on your card outside normal business hours before you leave. Find out if you can call collect, if the person you talk to on duty at that hour can authorize expenditure or has to wait for your policy to be validated, and if the rules of your insurance restrict you to certain service providers or disallow claims unless the company is notified before expenses are incurred (which may be a difficult problem in a country without reliable telecommunications).

If you have any further questions about medical concerns in Indonesia, see the Ask the Experts.

We trust this information will assist you in making correct choices regarding your health and welfare. However, it is not intended to be a substitute for personalized advice from your medical adviser.

Our appreciation to International SOS, an AEA Company, who has contributed this article in response to a need for information on travel insurance by expatriates in Indonesia.

Housing and schooling information for expats in Indonesia expatriate website for Indonesia Indonesian language translation of article

Practical Information for foreigners, expats and expatriates moving to Indonesia - find out about housing, schooling, transport, shopping and more to prepare you for your stay in Indonesia

Practical Information |  Expat Forum |  Site Map  |  Search |  Home Page |  Contact


Return to top

Copyright © 1997-2017, Expat Web Site Association Jakarta, Indonesia http://www.expat.or.id All rights reserved. The information on Living in Indonesia, A Site for Expatriates may not be retransmitted or reproduced in any form without permission. This information has been compiled from sources which we, the Expat Web Site Association and volunteers related to this site, believe to be reliable. While reasonable care has been taken to ensure that the facts are accurate and up-to-date, opinions and commentary are fair and reasonable, we accept no responsibility for them. The information contained does not make any recommendation upon which you can rely without further personal consideration and is not an offer or a solicitation to buy any products or services from us. Opinions and statements constitute the judgment of the contributors to this web site at the time the information was written and may change without notice.