Navigating the insurance market in Indonesia can be challenging, whether you’re an expat, a local resident, or a business owner. (Menavigasi pasar asuransi di Indonesia bisa menjadi tantangan tersendiri, baik bagi ekspatriat, penduduk lokal, atau pemilik bisnis). With numerous providers offering a wide range of products, finding the right coverage is crucial.
This guide provides a comprehensive directory of the top insurance companies in Indonesia. Click on any logo to access updated information, contact details, and insights to help you choose the best life, health, or general insurance plan for your needs.
Indonesian Insurance Company Directory (Direktori Perusahaan Asuransi Indonesia)
Below is our curated list of leading insurers operating in Indonesia. Use the filters to sort by category and find the provider that best fits your requirements.
- All Insurers
- General & Life Insurers
- Health Insurance Providers
- Specialty Insurers & Global Reinsurers
- Insurance Brokers & Risk Advisors
- Other Financial Institutions (Banks)
- Retirement Savings
Allianz Global Health
Part of the global Allianz Group, providing a wide range of car, home, business, and travel insurance products.
Indonesia Office Health Insurance ProvidersAXA Mandiri
AXA Mandiri is a joint venture between AXA Group, a global insurance leader, and Bank Mandiri, one of Indonesia's largest banks. The company provides a wide variety of insurance products, including life, health, and general insurance
Indonesia Office General & Life InsurersAllianz
Offers a wide range of insurance products including property, casualty, life, health, and accident insurance.
Indonesia Office General & Life InsurersBCA Life
BCA Life is a subsidiary of Bank Central Asia (BCA), one of the largest private banks in Indonesia. This insurance company specializes in life insurance, offering various products such as term life, whole life, and endowment plans
Indonesia Office General & Life Insurers, Retirement SavingsManulife
Manulife: Offers life insurance, annuities, and retirement solutions.
Indonesia Office General & Life Insurers, Retirement SavingsNow Health
Specializes in premium international health insurance for expats, families, and companies.
Indonesia Office Health Insurance ProvidersGreat Eastern
As the oldest insurer in Malaysia, they cover all aspects of life, health, and wealth.
Indonesia Office General & Life InsurersAswata
A prominent Indonesian insurer providing a variety of general insurance products for personal and commercial needs
Indonesia Office General & Life InsurersPrudential plc
A leading international financial services group providing life insurance, health coverage, and asset management.
Indonesia Office General & Life InsurersAllianz Trade
Specializes in trade credit insurance.
Indonesia Office Specialty Insurers & Global ReinsurersTugu Insurance
Offers a broad portfolio of general, reinsurance, and sharia-compliant insurance products for diverse risk needs.
Indonesia Office General & Life InsurersAIG
A recognized insurer for property, civil liability, financial lines, and global specialty coverage.
Indonesia Office Specialty Insurers & Global ReinsurersCHINA TAPING
A state-owned group offering a diverse portfolio of life, property, and casualty insurance.
Indonesia Office General & Life InsurersChubb
Offers a broad range of property, casualty, accident, health, and life insurance products.
Indonesia Office General & Life InsurersTokio Marine Life
Provides a diverse range of life, health, and investment-linked insurance products for individuals.
Indonesia Office General & Life InsurersGenerali Österreich
One of the largest global insurance and asset management providers.
Indonesia Office General & Life InsurersAON
A global professional services firm providing a broad range of risk, retirement, and health solutions.
Indonesia Office Insurance Brokers & Risk AdvisorsCigna
Provides a range of health insurance products, including medical, dental, vision, pharmacy, and Medicare/Medicaid plans.
Indonesia Office Health Insurance ProvidersING
A major bank offering straightforward home, car, and travel insurance, often through partnerships
Indonesia Office Other Financial Institutions (Banks)AIA
AIA New Zealand: AIA is a prominent life insurance provider in New Zealand, offering products such as life cover, health insurance, and income protection. The company focuses on supporting the health and well-being of its customers through various wellness programs and initiatives.
Indonesia Office Health Insurance ProvidersZurich
It is a provider of life, health, property and casualty insurance.
Indonesia Office General & Life InsurersHSBC
Offers life and investment insurance tied closely with banking services.
Indonesia Office Other Financial Institutions (Banks)Howden
An international insurance broker with a focus on corporate risk.
Indonesia Office Insurance Brokers & Risk AdvisorsMarsh
A global insurance broker and risk advisor.
Indonesia Office Insurance Brokers & Risk AdvisorsCoface
A global leader in trade credit insurance.
Indonesia Office Insurance Brokers & Risk AdvisorsPacific Prime
A specialist in international insurance coverage who works as an intermediary.
Indonesia Office Insurance Brokers & Risk AdvisorsUnderstanding the Healthcare System in Indonesia (Memahami Sistem Layanan Kesehatan di Indonesia)
Indonesia has a diverse and evolving healthcare landscape. Here’s what you need to know:
- Healthcare System: Indonesia operates a dual-tier system with public facilities funded by the national health insurance scheme (BPJS Kesehatan) and private healthcare facilities, primarily in urban centers.
- Common Health Challenges: While improving, the country still deals with communicable diseases like dengue fever and tuberculosis. Non-communicable diseases such as cardiovascular issues and diabetes are also a growing concern.
- Maternal and Child Health: Significant progress has been made, but access to quality maternal and child healthcare services remains a priority, especially in rural areas.
- Infrastructure Disparities: Major cities boast modern hospitals, but healthcare access can be limited in remote islands and rural regions, creating a gap in health outcomes.
- COVID-19 Impact: The pandemic placed significant strain on the healthcare system, accelerating vaccination efforts and the expansion of healthcare capacity.
Frequently Asked Questions (FAQs) about Indonesian Insurance (Pertanyaan yang Sering Diajukan (FAQ) tentang Asuransi Indonesia)
Navigating the insurance landscape in a new country can raise many questions. Here are clear, concise answers to some of the most common queries about getting insured in Indonesia.
1. Is health insurance mandatory for foreigners in Indonesia? Yes, it is highly recommended and often a requirement. For long-term stays (with a KITAS/KITAP visa), proof of health insurance is mandatory. While not strictly enforced for short-term tourists, the high cost of private medical care makes having comprehensive travel or international health insurance essential. Without it, you could face significant out-of-pocket expenses for even minor incidents.
2. Can expats use the public healthcare system (BPJS Kesehatan)? Yes, under certain conditions. Foreigners who have been legally working in Indonesia for six months or more are required to be enrolled in BPJS Kesehatan, with contributions split between the employer and employee. Holders of long-term visas like KITAS or KITAP can also register independently. However, many expatriates find the public system challenging due to potential language barriers and long wait times, and they often supplement it with private insurance for more comprehensive coverage and access to private hospitals.
3. What is the difference between life insurance and health insurance? It’s a common point of confusion.
- Health Insurance covers your medical and surgical expenses. It pays for things like doctor visits, hospital stays, medication, and emergency care while you are alive.
- Life Insurance provides a financial payout (a “death benefit”) to your chosen beneficiaries after you pass away. This money is intended to provide financial security for your family, covering things like lost income, funeral costs, and future expenses.
4. What should I look for in a property insurance policy in Indonesia? Given Indonesia’s geography, it’s crucial to have a policy that specifically covers natural disasters. Look for:
- Standard Coverage: Protection against fire, theft, and water damage.
- Essential Extensions: Specific coverage for earthquakes, volcanic eruptions, and tsunamis. These are often add-ons to a standard policy.
- Liability Coverage: Protects you if a guest is injured on your property.
- All-Risk vs. Named Perils: A “Property All Risks” (PAR) policy is generally more comprehensive than a standard policy (PSAKI), as it covers everything except what is explicitly excluded.
5. What is “unit-linked” insurance (asuransi unit link)? Unit-linked insurance is a popular product in Indonesia that combines life insurance with an investment component. A portion of your premium pays for the insurance coverage, while the rest is invested in funds (similar to mutual funds). While they offer the potential for higher returns, they also carry investment risk, meaning the value of your policy can fluctuate with the market.
6. Do I need a local Indonesian insurance policy, or is my international plan enough? This depends on your needs and visa status. An international health plan often provides more comprehensive coverage, global portability, and service in English, making it the preferred choice for many expats. However, for certain visas (like a Work KITAS), you may be required to show proof of a policy issued by an Indonesian-registered company. Many people opt for both: a local policy to meet visa requirements and an international plan for robust medical coverage.
7. How do I make an insurance claim in Indonesia? The process is generally standard but requires prompt action:
- Notify your insurer immediately: Most policies have a strict deadline for reporting an incident (e.g., within 7 days).
- Gather documentation: This includes police reports (for accidents or theft), medical receipts and reports (for health claims), photos of damage (for property claims), and any other relevant proof.
- Complete the claim form: Fill out your insurer’s official claim form accurately and attach all required documents.
- Follow up: Stay in contact with the insurance company’s adjuster or representative to track the status of your claim.
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