Yes, you will need expatriate Insurance in Indonesia.
Even though healthcare cost in Indonesia is cheap, insurance is important for you. Moving and settling in Indonesia without healthcare insurance will be disastrous. You will expect the unexpected and risk yourself and your family members’ lives. The situation will become worse and difficult for you to handle amongst the strangers.
Why?
The public healthcare facilities are limited and overcrowded. You will end up waiting in long queues and suffer severely due to delayed treatment.
The staff members in public hospitals are Indonesians and there isn’t a guarantee that they speak English. So, the communication between you and the healthcare staff will be a major issue. Also, as expats are not included in the national insurance scheme, the public hospitals and many doctors expect payment in cash upfront. They have a hidden policy of “No cash, No treatment.”
Hospitals refuse treatment claiming they are fully occupied because Indonesia lacks medical facilities.
In Indonesia, expatriate insurance is not just about getting low-cost health coverage but in some cases, it’s simply about getting treatment when you or someone in your family is ill.
With expatriate insurance by your side, the “no cash, no treatment” policy will not work. Whether you visit a public or private hospital, chances of rejection will reduce because the insurance will pay for treatment. Hospitals will have fewer reasons to reject and keep you deprived of necessary healthcare facilities.
Other than this, the insurance will help you save significant amounts of money in certain cases. The general medical expenses in Indonesia are cheaper but costs escalate quickly when the health issues are serious. It’s because the healthcare department in Indonesia takes help from external resources and connects with renowned doctors worldwide for treating severe issues. And as mentioned earlier, the healthcare industry in Indonesia is all about money for expats because no national help is provided.
By now you might have understood the need and importance of expatriate insurance in Indonesia for survival.
Factors to consider when Buying Expatriate Insurance in Indonesia:
Coverage Provided in the Insurance Policy:
Premium is an important factor when buying insurance because it affects your monthly or annual expenses but is not the only factor to consider. Along with the premium, you should determine the coverage of the policy.
You should know the coverage limit or the maximum amount that the insurance company will pay you for sickness or treatment procedures. Also, you should know the kind of treatment covered under the insurance policy.
Exclusions in the Insurance Policy:
Not everything is covered under the insurance policy. Based on different factors, the plans come with a list of exclusions. Exclusions mean the things for which the company won’t pay.
Some insurance companies don’t pay for underlying diseases; some don’t pay for casualties or deaths caused by natural disasters. Therefore, you should read the fine print and understand the exclusions.
Credibility of the Insurance Policy:
You pay the premium for the policy, expecting good and timely returns. You trust the provider for the services. But, it isn’t easy to trust the insurance providers.
To make sure the company pays for your medical expenses, it should have both good financial stability and a good reputation. You should research the company, check the website and read the reviews. You should make sure the company is credible.
To overcome the problems due to limited healthcare facilities in Indonesia, expatriate insurance is important. So, you should get it considering the above-mentioned points.