Information, not advice: Second Home Visa Indonesia is an independent editorial guide — not the Government of Indonesia, not the Directorate General of Immigration, and not a law firm or licensed adviser. The Second Home Visa is a non-working visa; the IDR 2 billion deposit is IDR-set and FX-exposed, rules change by regulation, and figures are "last verified June 2026" — confirm at the e-Visa portal (evisa.imigrasi.go.id) and with licensed Indonesian immigration/tax counsel before acting. We never promise approval. If you engage a partner we introduce, that partner may pay us a referral fee at no cost to you.
Insurance requirements for Indonesia Second Home Visa mean showing you have health coverage that can realistically pay for your medical care while living in Indonesia. For the e‑Visa (E33F) and subsequent ITAS, immigration expects proof of **valid health insurance** or **a written statement of ability to pay your own costs** for the full intended stay.
As of **June 2026 [VERIFY]**, the Second Home Visa framework is set by:
– **PP 48/2021** (Immigration)
– **Permenkumham 29/2021** (Visit & Stay Permits)
– **Circular IMI-0740.GR.01.01/2022** (Second Home implementation)
– DGI technical updates and online visa portal guidance
None of these spell out brand names or fixed benefit levels for insurance. That’s why agent sites say “must have insurance” but can’t tell you what “good enough” actually means.
This page unpacks what we **know**, what is **practice-based**, and where you still need to decide your own risk tolerance.
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## What does “health insurance for the Indonesia Second Home Visa” actually mean?
The Second Home Visa is a **long-stay ITAS** (2 or 5 years) for foreigners who can show:
– **IDR 2,000,000,000** cash/term deposit in a state-owned bank in Indonesia (or property ownership under later rules – in flux, [VERIFY] figure and options at time of reading), and
– supporting documents, including **health insurance or proof of ability to pay**.
For immigration, “insurance requirements for Indonesia Second Home Visa” boil down to:
1. **You file the e‑Visa application (E33F)** via the official portal or a licensed sponsor.
2. Under “funds & support”, you upload:
– a **health insurance policy** that covers you in Indonesia; or
– a **signed statement** that you will personally bear all medical and related costs.
3. The visa officer checks that:
– the policy is **valid** on the application date;
– it is **in your name** (and dependants, if any);
– Indonesia is within the **geographic coverage**; and
– the document is **legible** and in **English or Bahasa Indonesia**, or with translation.
There is **no explicit minimum sum insured** or list of “approved insurers” in the Circular as of June 2026 [VERIFY]. Practice is case-by-case.
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## Atomic facts: health insurance & the Second Home Visa
- Visa type
- Second Home Visa, e‑Visa index E33F, leading to Second Home ITAS
- Legal base
- PP 48/2021; Permenkumham 29/2021; Circular IMI-0740.GR.01.01/2022
- Deposit requirement
- IDR 2,000,000,000 (two billion rupiah) in a state-owned bank, figure as socialized October 2022 – always [VERIFY] at time of application
- Stay duration
- 2-year or 5-year ITAS, extendable within regulatory limits
- Work rights
- No work / no income-generating activity in Indonesia; no IMTA under Second Home
- Health insurance requirement
- Policy covering health costs in Indonesia, or statement of ability to pay own costs, uploaded with E33F
- Minimum cover amount
- No fixed amount stated in PP/Circular; practice-based expectations only
- Accepted insurers
- No official list; foreign and Indonesian insurers both seen in practice
- Language of policy
- English or Bahasa Indonesia; other languages usually require sworn translation
- Scope of check
- Immigration checks existence & basic coherence, not detailed actuarial sufficiency
For deposit, eligibility and full process, see our main pillar:
Indonesia Second Home Visa: Deposit, Rules & Process.
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## Why immigration asks for insurance (and what they actually check)
Immigration’s interest is **risk management**, not your personal financial planning.
### Policy vs. “ability to pay”
The Circular allows two approaches:
1. **Health insurance policy**
You show a policy that would, in practice, pick up most of your hospital bill.
2. **Statement of ability to pay**
A signed statement (often on stamped paper in Indonesia, *materai*) that you will cover all your medical and related expenses.
In practice:
– Officers are generally more comfortable when they see a **clear policy document**.
– A bare statement is formally allowed, but shifts all risk to you and your deposit.
### What officers typically verify (practice-based)
From recent Second Home files our network has seen processed, common checks include:
– **Name matches passport**
– **Policy period** covers at least the **initial entry and early stay** (officers do not typically require full 2 or 5 years prepaid, but may question a policy that expires within days of arrival).
– **Geographic coverage** explicitly includes **Indonesia** or “Worldwide excluding USA” where that genuinely includes Indonesia.
– **Document clarity** – full PDF or policy schedule; screenshots or partial pages are more likely to be queried.
– **Dependants**: where you list a spouse/children in the visa application, officers may ask to see that they are covered too.
They do **not**:
– run a medical underwriting check;
– calculate whether your coverage is “enough” for your lifestyle;
– guarantee any claim will be paid (that is between you and your insurer).
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## How much health cover is “enough” for Second Home?
There is **no published minimum** like “USD 50,000” in the Second Home Circular.
However, for **expat insurance Second Home Visa** applicants, we see three practice-based clusters:
1. **Bare-bones**
– Travel/expat cover with limits around **USD 25,000–50,000**
– More common for applicants who also provide a strong written statement and can show the IDR 2bn deposit clearly.
2. **Mid-range international medical**
– Annual limits around **USD 250,000–1,000,000**
– Includes inpatient care in private Indonesian hospitals, sometimes evacuation.
3. **High-end global expat plans**
– Annual limits **USD 1,000,000+**
– Full inpatient + outpatient + sometimes wellness.
Immigration currently appears to accept **all three** bands, as long as:
– coverage includes **hospitalization**;
– Indonesia is not excluded;
– the policy is active.
The choice is risk-based and financial, not immigration-driven. Hospital bills in Jakarta, Bali, and Surabaya private hospitals can easily run into **tens of thousands of USD** for serious events. Your IDR 2bn deposit is **not** an insurance policy.
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## Local Indonesian policy vs. international expat insurance
Both local and international policies have been used successfully in E33F files.
### Comparison: common options expats consider
| Aspect | Local Indonesian health policy | International expat medical plan |
|---|---|---|
| Immigration acceptance | Seen accepted where documents are in EN/ID and show Indonesia coverage | Also accepted; easier where policy is issued in English |
| Language | Often Bahasa Indonesia; some bilingual; may need translation | Usually English; sometimes multilingual documents |
| Geographic coverage | Indonesia-only or ASEAN/regional | Worldwide or large regional blocks including Indonesia |
| Premium range* | Generally lower for similar local limits | Higher, especially with global limits and evacuation |
| Billing | Network-based cashless in partner hospitals, reimbursement elsewhere | Cashless in major hospitals plus global reimbursement systems |
| Portability if you leave Indonesia | Limited; often lapses or loses relevance on departure | More portable for moves to other countries |
*Premiums vary widely by age, health, and benefits; any ranges need to be checked at quote time, last verified June 2026 [VERIFY].
From a **visa** perspective, either can work. From a **practical** perspective, long-stay Second Home residents often prefer something closer to an expat medical plan, especially if they move between countries.
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## What documents to upload for the E33F application
For the “second home visa health insurance Indonesia” requirement, you will typically upload:
1. **Policy schedule or certificate**
– Names of the insured
– Policy number
– Start and end date
– Geographic coverage
2. **Full policy wording** (if available in a single PDF)
Some officers do not open full 80‑page wordings; others do. Having it ready reduces follow-up questions.
3. **Translation** (if not in English/Bahasa Indonesia)
– Sworn translator into **Bahasa Indonesia** or **English**
– Attach as a separate PDF and clearly label.
4. **Statement of responsibility** (if you go the “ability to pay” route)
– Signed by you
– In English or Bahasa Indonesia
– Clearly stating you will bear all medical and associated costs during your stay in Indonesia.
Your sponsor (if using a licensed visa sponsor) may have a **template statement** they have seen accepted. Templates are practice-based, not law; using one does not guarantee approval.
If you want a licensed Indonesian legal/immigration team to sanity-check your documents, including insurance, you can plan your trip with us on email or WhatsApp – we can also introduce vetted insurance partners. No one can pay to change what we publish; if you proceed with our partner they may pay us a referral fee at no extra cost to you.
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## Do you need to keep insurance for the whole 2 or 5 years?
Regulation focuses on the **application and entry** phase. However:
– Your **Second Home ITAS** (the stay permit that follows the e‑Visa) can be cancelled if you become a **public charge** or violate terms.
– Hospitals may require **deposit or proof of insurance** before admission, especially private facilities.
Practice-based expectations:
– For **first issuance**: officers expect to see a policy active around your **planned entry date**.
– For **extensions or conversion**: some local offices have started asking for **updated proof** of health coverage, especially after Covid‑19 experience, although this is not yet uniform.
Realistically, if you are committing **IDR 2bn** to a Second Home stay, keeping an active health policy for the duration is more a **risk-management baseline** than an immigration hack.
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## Tax status, work limits, and how insurance interacts
Health insurance does **not** change your:
– **Work rights**
Under the current framework, Second Home holders **cannot work** in Indonesia and do not receive a work permit (IMTA). Any “remote work” for a foreign employer is a separate risk topic and not blessed by the Second Home scheme.
– **Tax residency**
Indonesia’s tax residency is based mainly on **time in country (≥183 days in any 12‑month period)** or having the **intent to reside**.
Health insurance does not prevent you from becoming tax resident; it just covers medical risk.
If you are planning multi‑jurisdiction tax or retirement strategies, health insurance is one of several tools, not a lever to avoid tax status. For that, speak to a qualified tax advisor for Indonesia and your home country.
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## Common pitfalls with Second Home Visa insurance
Based on recent case files and officer feedback, here are patterns that have triggered delays or clarifications:
### 1. Policy excludes Indonesia
A “worldwide” policy that actually excludes **Asia** or “Asia ex‑Indonesia” can be rejected. Always read the **territorial coverage** page or table.
### 2. Tiny coverage duration
Policies valid for only **a few weeks** from arrival may raise questions. They are technically valid, but an officer might respond:
– “Please upload a policy covering the duration of stay,” or
– “Please provide statement of ability to pay your own medical costs.”
### 3. Name mismatch or missing dependants
– Policy under a company name only, but individual applying as a person.
– Spouse/child listed in the E33F but not named on the policy schedule.
### 4. Unreadable documents
Screenshots with cut-off text, photos of screens, or partial PDFs are the easiest way to get a **“please re-upload”** message.
### 5. Assuming deposit = health cover
Your **IDR 2bn** is a visa condition, not an earmarked medical fund. Hospitals will not see or recognize that deposit. Immigration will not directly pay your hospital bills from it.
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## Renewal, switching insurers, and practical questions
### Can you change insurer after the visa is granted?
Yes. The visa is **not tied** to a specific insurer. However:
– Keep **unbroken coverage** from one provider to the next.
– Keep **records** (old and new policies) in case immigration requests updated proof at ITAS **extension** time.
### Do you need local Indonesian insurance if you already have strong global cover?
Not legally, as long as your global cover clearly includes **Indonesia** and meets the documentation tests. Some expats add a **local top-up** for easier direct billing in certain hospitals.
### Are there age limits?
Insurance policies often have their own **entry and renewal age limits** (e.g., new applicants under 65–70, renewals allowed beyond). Immigration does **not** set age limits on who can buy a policy; that is a commercial decision by each insurer.
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## Independent stance & how we can help
Second Home Visa Indonesia is not an insurer and does not sell policies. We map out the regulatory expectations and real‑world practice so you can choose:
– your insurer,
– your coverage level,
– your acceptable risk.
Where readers need **execution help**, we work with a small network of licensed immigration and insurance partners who understand the Second Home framework. No one can pay to change what we publish; if you proceed with our partner they may pay us a referral fee at no extra cost to you.
If you want a coordinated path – from **IDR 2bn deposit proof** to **E33F** to **health cover** that satisfies officers – you can plan your trip with our team over email or WhatsApp.
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## FAQs: Health Insurance & Indonesia’s Second Home Visa
Is health insurance mandatory for the Indonesia Second Home Visa?
Yes, you must show either a valid health insurance policy covering you in Indonesia or a signed statement that you will personally pay all medical and related costs during your stay.
Is there a minimum coverage amount required?
No PP or Circular currently sets a fixed minimum sum insured. In practice, officers look for active, Indonesia‑covering policies; adequacy of limits is your own risk decision.
Do I need Indonesian insurance, or is foreign expat insurance enough?
Immigration accepts both Indonesian and foreign policies as long as they cover Indonesia and are documented in English or Bahasa Indonesia (or with sworn translation).
Will my Second Home Visa be cancelled if my insurance lapses?
There is no automatic cancellation rule published, but you risk problems at extension or if you become a public charge. Keeping continuous health cover is strongly prudent for long stays.
Does health insurance give me the right to work in Indonesia?
No. Second Home status has no work rights. Health insurance only addresses your medical costs; it does not authorize employment or business activities in Indonesia.