Your Guide to Dental Insurance in Indonesia

Welcome to the ultimate guide on finding the best dental insurance in Indonesia! Taking care of your dental health is essential, but navigating the world of insurance can be daunting, especially for expats.

Fear not! In this article, we’ve done the research and legwork for you, uncovering the top dental insurance options that cater to your needs and ensure your smiles stay bright without breaking the bank.

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Benefits of Dental Care in Indonesia

The benefits of dental care in Indonesia are the low prices. Dental work at home can be time-consuming, and people often need more time to pay attention to routine and preventative dental care.

In some countries, it is not easy to get dental appointments within a reasonable period, and incredibly difficult to get them at convenient times. In Indonesia, you will find prices that cater more to the patient’s schedule.

In most developed countries, dentistry is costly. In Indonesia, the same work will be half the cost. That too only if the quality of the work is good.

Indonesian Health Insurance


The JKN ( Jaminan Kesehatan Nasional) is Indonesia’s national healthcare program. As a member of the BJPS, medical treatment is free or at a small charge. The system is funded by national taxation.

Indonesia does not currently have a nationwide emergency service like private ambulance services are available, but they are limited to the larger cities and may not be reliable in urgent situations.

Public healthcare coverage has yet to reach the Western standards of medicines. You will find some adequate facilities in the main cities, such as Jakarta, Surabaya, or Bandung.

However, the long waiting times, due to the absence of English-speaking professionals and a lack of medical personnel overall, make the public system undesirable for ex-pats.

As a result, non-natives and more affluent natives opt for private health insurance with extensive coverage. However, you will pay for your medical care, whether it’s in a public or private facility.

Since 2018, ex-pats have been eligible for coverage by the BPJS if they have a residency or work permit for six months or more.

Why Do You Need Dental Insurance in Indonesia?

Increasing access for citizens to health services, including dental care, is one of the primary targets of the Indonesian Ministry of Health.

On average, 2.28% of the Indonesian population perceived the need for dental care, and 0.74% reported utilizing dental care. The average of unmet needs was 72.04%.

Logistic regression analysis indicated that respondents who lived in rural areas and were uninsured had higher odds ratios in reporting unmet dental care needs.

The perceived need for and utilization of dental care among Indonesians was low. Moreover, the unmet need for dental care is relatively high.

Estimated dental treatment in Indonesia cost:

⦁ All-on-4 Dental Implants – 137,548,778 IDR/97,594,575 IDR
⦁ All-on-6 Dental Implants – 207,480,351 IDR/147,127,890 IDR
⦁ Metal Braces – 36,631,842 IDR/25,974,306 IDR
⦁ Removable Full Denture – 16,515,455 IDR/11,710,959 IDR
⦁ Crown – 7,807,306 IDR/ 5,555,198 IDR
⦁ Root canal treatment – 7,356,884 IDR/5,254,917 IDR
⦁ Porcelain veneer – 11,035,326 IDR/ 7,807,306 IDR
⦁ Composite Filing – 1,201,124 IDR/ 825,772 IDR

What Does Dental Insurance in Indonesia Cover?

Dental insurance for ex-pats covers non-national residents for a range of dentistry administered at a private dental practice. Some of these treatments that may be covered include:

⦁ Bridges
⦁ Crowns
⦁ Fillings
⦁ Root canal
⦁ Scale and polish
⦁ Dentures

What Is the Best Dental Insurance in Indonesia?

1. DBS Bank Indonesia | Dental Insurance Plan

DBS offers a dental insurance plan that ensures you get the best dental care possible. It has many benefits, such as:

⦁ Up to IDR 10,000,000 coverage limit per year.

Up to 100% coverage for:
Actions to reduce pain and the cost of dentist visits to treat dental problems.
Preventive treatments, such as scaling and application of fluoride on teeth.
Panoramic X-rays.

Up to 80% coverage for:
⦁ Conservative treatments, such as permanent cavity filling and dental sealants to treat carious teeth in children.
Tooth extraction and root canal treatment, including x-rays and therapeutic pulpotomy.

However, to learn more about the Dental Insurance plan, visit: https://www.dbs.id/id/treasures/proteksi/proteksi/dental-insurance-plan.

Get started with DBS 🔥

2. BCA

BCA offers you a Dental Care Plan, an insurance product by PT Chubb General Insurance Indonesia that offers complete dental and oral protection. It consists of many benefits, such as;

Emergency Dental treatment benefit


Pay the costs incurred for palliative treatment services performed by an In-Network Provider directly to said In-Network Provider.

Indemnify the Insured for Palliative Treatment performed by an Out-of-Network Provider according to the usual, customary, and reasonable charges arising from Emergency Dental Treatment under the Maximum Allowable Benefit for one.

Insurance Period specified in the Policy Schedule at the time of such treatment.

Regular Dental Visit Benefit

If the Insured needs to make regular visits to a Dentist for Dental Treatment, the Insurer shall:

⦁ Pay the costs incurred for treatment services performed by an In-Network Provider directly to said In-Network Provider if the Insured has notified the Insurer via telephone before such treatment.

Indemnify the Insured for treatment services performed by an Out-of-Network dentist or In-Network Dentist, according to the usual, customary, and reasonable charges if the Insurer is not notified before such treatment for one.

Visit during each Insurance Period and under the Maximum Allowable Benefit specified in the Policy Schedule.

Preventive Benefit

The Insurer shall:
Pay the costs incurred for preventive treatment services performed by an In-Network Dentist directly to said In-Network Provider if the Insured has notified the Insurer via telephone before a treatment;

Indemnify the Insured for Dental Services by an Out-of-Network Dentist or In-Network Dentist according to the usual, customary, and reasonable charges if the Insurer is not notified before such treatment, limited to a maximum of one.

⦁ Visit during the Insurance Period.

X-ray Benefit

The Insurer shall:
Pay the costs incurred for dental x-ray services performed by an In-Network Dentist at a Dental Clinic, Medical Center, or Hospital directly to said In-Network Provider if the Insured has notified the Insurer via telephone before such treatment.

Indemnify the Insured for dental x-ray services performed by an Out-of-Network Dentist or In-Network Dentist at a Dental Clinic, Medical Center, or according to the usual, customary, and reasonable charges if the Insurer is not notified before such treatment for:

up to a maximum of three (3) sets of intraoral bitewing films during the Insurance Period;
one (1) set of survey x-ray for the posterior, anterior, and lateral views of the skull or facial bones view, during the Insurance Period;
one (1) set of panoramic X-rays during the Insurance Period.

Up to a maximum of one (1) set of x-ray procedures described above during one (1) Insurance Period.

Dental Conservation Benefit

The Insurer shall:
Pay the costs incurred for dental conservation treatments that are medically necessary and performed by an In-Network Dentist at a Dental Clinic, Medical Center, or Hospital directly to said In-Network Provider if the Insured has notified the Insurer via telephone before such treatment.

⦁ Indemnify the Insured for dental conservation treatments that are medically necessary and performed by an Out-of-Network Dentist or In-Network Dentist at a Dental Clinic, Medical Center, or according to the usual, customary, and reasonable charges if the Insurer is not notified before a treatment that is limited to:

Permanent amalgam,
⦁ Permanent composite/resin, and
⦁ tooth sealants (only for kids),

But adheres to the same limit provisions applicable to amalgam and composite/resin fillings until the maximum allowed fillings are specified in the Policy Schedule for each (1) Insurance Period.

Extraction Benefit

The Insurer shall:
Pay the costs incurred for extractions performed by an In-Network Dentist at a Dental Clinic, Medical Center, or Hospital directly to said In-Network Provider if the Insured has notified the Insurer via telephone before such treatment.

⦁ Indemnify the Insured for extractions performed by an Out-of-Network Dentist or In-Network Dentist at a Dental Clinic, Medical Center, or according to the usual, customary, and reasonable charges if the Insurer is not notified before a treatment that is limited to:

⦁ Simple extraction due to erupted tooth or exposed root.

⦁ Complicated extraction due to partially bony teeth or root, up to a maximum of two (2) teeth during one (1) Insurance Period.

Root Canal Treatment Benefit

The Insurer shall:

⦁ Pay the costs incurred for endodontic treatments performed by an In-Network Dentist at a Dental Clinic, Medical Center, or Hospital directly to said In-Network Provider if the Insured has notified the Insurer via telephone before such treatment.

⦁ Indemnify the Insured for endodontic treatments performed by an Out-of-Network Dentist or In-Network Dentist at a Dental Clinic, Medical Center, or according to the usual, customary, and reasonable charges if the Insurer is not notified before a treatment that is limited to:

Root canal (including x-ray costs), and Therapeutic pulpotomy (excluding final restoration)

Up to a maximum of one (1) endodontic treatment during one (1) Insurance Period.

However, they are a few terms and conditions that come with it, such as:

Main Insured age between 21 and 60 (renewable up to 65 years old).
⦁ Pre-existing condition within 12 months.
⦁ Auto approval.
⦁ A waiting period of 90 days from the policy effective date (except for Emergency Dental Treatment).
⦁ BCA customers with BCA credit cards auto-debit payment.

Get started with BCA 🔥

3. PT Luke Medikal

Pt Luke Medikal believes that Dental Health Insurance is insurance that every person should obtain. There are various types of family, group, or individuals dental insurance plans in Indonesia, but they are grouped into three key categories, which are:

⦁ Indemnity
⦁ Preferred Provider Network (PPO)
⦁ Dental Health managed Organizations (DHMO)

Typically, every dental surgeon changes its fees for their services. Likewise, dental insurance companies have fee schedules based on routine dental services.

Dental insurance provides many benefit-oriented plans with various features.

Several insurance companies dental insurance plans are limited to maximum capacity; once the treatments reach their annual maximum cost capacity, then an extra fee will be charged to the patient.

In addition to this, the plan will be renewed annually.

Get started with PT Luke Medical 🔥

4. NOW International Health

Now Health International

Now health international offers you health and medical insurance plans that start from as little as $26 per month for their Worldcare essential plan.

These plans will ensure that most of your costs are covered for in-patient and day-patient treatment and care you will receive while living in Indonesia.

You can also have international healthcare insurance that will make accessing the private sector easier.

They offer you private health insurance packages that include provision for out-patient, dental, and maternity treatment and care.

Two of their Worldcare plans that include Routine dental treatment insurance are:

Worldcare excel


Starts at $143 Usd per month
⦁ In-patient
and day-patient care
⦁ Out-patient care
Routine dental treatment

WorldCare Apex


Starts at $214 Usd per month
⦁ In-patient
and day-patient care
Out-patient care
⦁ Routine dental
treatment
⦁ Routine
maternity care

Get started with NOW International Health 🔥

Conclusion

There you have it, expats in Indonesia – your path to a stress-free smile! With our comprehensive list of the best dental insurance plans in the country, you can wave goodbye to dental worries and embrace a healthier future.

Remember, maintaining your oral health is a long-term investment, and these top-notch insurance providers have got you covered from every angle. So, take the plunge and flash that confident grin – your dental well-being is in good hands!

Happy insurance hunting!

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