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Hi Jim,

I had nearly the same issue,

I searched in the Internet for insurance companies and emailed them my requirements.

They all send me their forms, which I had to fill to get their quotes. They don't do individual assesments.

There is NO best insurance.

They don't care about you, only about their profit.

Get quotes from all the big players and check what fits best for you.

HAROLD54, TRUTH

@jimtobias

Have you taken a look at our insurance partners, here?

If you're concerned about privacy issues, you can use an alias when searching for quotes.

I used Prudential for a year, cost around Rp20 million but there were so many exclusions in that first year, The next year I think without their special introductory discount the premium was around Rp24 million. Finally I just use the local BPJS which I've now already used for a few years. If the hospital costs are not too great I will usually pay myself.

I'm always surprised how much more expensive and inadequate those huge insurance companies are in Indonesia compared to Malaysia. If I get some very serious illness I might just go to Malaysia ad pay myself. If it's a matter of having a stent fitted then I would do it here under BPJS.