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Want to know how much travel insurance costs in Indonesia? This article outlines domestic and international premium rates, a cost simulation per trip, factors affecting pricing, and tips for choosing the best package for your destination and activities.
Before boarding a plane or heading to the beach, many of us ask ourselves:"Do I need to buy travel insurance?"In fact, travel insurance premiums in Indonesia are very affordable—and the benefits can be extraordinary.
For example:
Oona Insurance offers domestic premiums starting from IDR 43,000, and international from IDR 110,000, with a medical limit of up to IDR 2.5 billion.
BCA Travel Insurance starts from IDR 24,900 for domestic and USD 4 (~IDR 60,000) for international.
Allianz Travel Insurance offers a variety of Single Trip and Annual packages with medical, cancellation, evacuation, and 24/7 emergency support coverage.
Even though the amount is small, this insurance can save you from major losses—from delays, lost luggage, trip cancellations, to medical costs of tens of millions of rupiah abroad.
In this article you will learn:
Travel insurance price range from several trusted providers
Cost simulation based on travel duration and destination
Factors that determine whether the premium is expensive or cheap
Tips for choosing a package according to your type of trip and holiday style
Now that you know that travel insurance can provide maximum protection at an affordable cost, let's compare the actual price ranges of several trusted providers.
Travel insurance isn't just about the price—it's about how much protection you get when the unexpected happens. Here's a comparison of prices and benefits from three trusted providers in Indonesia:
Source: myoona.id
Trip Type |
Premiums Starting From |
Featured Features |
|---|---|---|
Domestic |
IDR 43,000 |
Medical up to IDR 200 million, delayed baggage, cancellation, 24/7 online claims |
Asia |
IDR 70,000 |
International medical, evacuation, COVID-19 rider, flexible & digital-first |
Global/Worldwide |
IDR 110,000 |
Medical limit up to IDR 2.5 billion, comprehensive protection |
Why Choose Oona?
Oona offers a comprehensive digital experience—from purchase to claim. Its fast, paperless process, extensive network, and flexible riders make it ideal for modern travelers seeking maximum protection without the hassle.
Source: bcainsurance.co.id
Type of Trip |
Premiums Starting From |
Key Features |
|---|---|---|
Domestic |
IDR 24,900 |
Basic accident coverage, simple medical benefits |
International |
USD 4 (~IDR 60.000) |
Basic medical, available for Asia and global region |
Disclaimer: BCA offers lower premiums for basic protection. However, its digital features and additional riders are still limited compared to Oona.
Source: allianz.co.id
Type of Trip |
Premiums Starting From |
Key Features |
|---|---|---|
Domestic Single Trip |
±IDR 45.000 |
Medical and basic trip cancellation, conventional purchasing process |
International Single Trip |
±IDR 120.000 |
Comprehensive protection with rider options |
Disclaimer: Allianz boasts a global reputation and a comprehensive package selection. However, the claims process can be lengthy because it's not entirely digital.
Provider |
Starting from (domestic) |
Starting from (international) |
Digital Claim |
Rider Flexible |
High Medical Limit |
|---|---|---|---|---|---|
Oona |
IDR 43,000 |
IDR 110,000 |
✅ Yes |
✅ Yes |
✅ Up to IDR 2.5M |
BCA Insurance |
IDR 24,900 |
IDR 60,000 |
❌ No |
❌ Limited |
❌ Moderate |
Allianz |
IDR 45,000 |
IDR 120,000 |
⚠️ Partial |
✅ Yes |
✅ Up to IDR 2M |
Disclaimer: Prices may vary depending on age, duration, destination, and additional coverage (riders).
Already know the price range? Now it's time to understand the factors that influence premiums so you can adjust them to your travel needs.
Travel insurance premiums aren't set arbitrarily. Each provider has a basic formula that takes into account:
Factor |
Explanation |
|---|---|
Destination |
Countries with high medical costs (Europe, US) → higher premiums |
Travel Duration |
The longer the duration, the higher the premium charged. |
Age & Condition |
Elderly people or those with congenital diseases are usually subject to additional premium loading. |
Number of participants |
Family packages are more economical than buying separate policies. |
Package Type & Rider |
Additional riders (evacuation, extreme sports, cancellation) increase the premium. |
Provider |
Estimated Trip Cost |
Average Rates |
Total Premium |
|---|---|---|---|
Oona |
IDR 15 million |
±0.5%–0.8% |
IDR 75,000–120,000 |
Allianz |
IDR 15 million |
±1% |
IDR 150,000 |
BCA |
IDR 15 million |
±0.4% |
IDR 60,000 |
Disclaimer: Rates vary depending on customer conditions and package. This simulation is indicative.
Why Is Oona More Cost-Effective?
With a transparent premium structure and extensive features, you can get protection comparable to Allianz but at a more cost-effective price than its competitors. Even for trips to Asia or domestic travel, Oona still offers high medical limits and rider options.
Besides mathematical calculations, there are practical factors that are often overlooked but significantly impact premium prices. See the details below.
Not all policies are suitable for everyone. It's important to understand the factors that influence the total cost of travel insurance.
Category |
Choice |
Impact on Premiums |
|---|---|---|
Destination Area |
US, Japan, European Union |
Premiums are higher because medical costs are very expensive in these countries. |
Southeast Asia |
Relatively low premiums, ideal for regional Asian travel |
|
Domestic (Indonesia) |
Premiums are very affordable, starting from tens of thousands of rupiah |
|
Type of Trip |
Private tour |
Just choose the basic package without additional riders. |
Business trip |
Add a rider for delays, cancellations, or job losses |
|
Extreme Adventure / Activities |
Add adventure activity rider |
|
Cruise |
Add cruise rider |
|
Travel during the pandemic |
Add COVID-19 rider |
|
Duration & Frequency |
Short trips (1–3 days) |
Daily policy is more economical |
Frequent traveler (>3x/year) |
Use Annual Travel Plan for year-round protection |
Rider Type |
Oona |
BCA |
Allianz |
|---|---|---|---|
COVID-19 |
✅ Evacuation & quarantine |
⚠️ Limited |
✅ Included in some plans |
Adventure Activities |
✅ Includes (parasailing, hiking) |
❌ Not available |
✅ Available as an add-on |
Cruise Ship Protection |
✅ Cruise & itinerary disruptions |
❌ Not available |
✅ Cruise Pack available |
Annual Plan |
✅ Annual Plan + cruise |
❌ Domestic single trip only |
✅ Multi-Trip available |
Disclaimer: Data was obtained from each provider's official website as of June 2025. Features and riders are subject to change. Always read the policy details.
Summary: Who Provides Added Value?
Aspect |
Oona |
Allianz |
BCA |
|---|---|---|---|
Digital-first |
✅ Yes |
⚠️ Limited |
❌ No |
Competitive premiums |
✅ IDR 43rb – 110rb |
⚠️ Starting from IDR 120,000+ |
✅ Starting from IDR 24,000 |
High medical limit |
✅ Up to IDR 2.5B |
✅ Up to IDR 2B |
❌ Up to IDR 150 million |
Rider flexible |
✅ Many options |
✅ Many options |
❌ Limited |
100% online claim process |
✅ 100% Online |
⚠️ Partly digital |
❌ Manual |
Disclaimer: Oona provides balanced protection—not only competitive pricing, but also quality claims, convenience, and a modern user experience.
Additional riders play a significant role in determining your coverage and premium. With Oona, you don't have to worry about adding coverage individually—everything is customizable from the start, without additional apps, and with digital claims support and 24/7 customer service.
Meanwhile, other providers such as Allianz or BCA are still predominantly conventional and require physical forms or manual processes.
With so many options and riders, choosing a package can feel overwhelming. But don't worry—here's a handy guide to help you determine the best package for your trip type.
Not every trip requires a policy with extensive coverage. Choosing the right travel insurance package can save you a lot of money without sacrificing protection. Here's a guide to choosing:
Type of Trip |
Duration |
Recommended Packages |
Oona Estimated Premium |
|---|---|---|---|
Staycation Domestik |
1–3 days |
Basic Domestic Package |
IDR 43,000–IDR 65,000 |
Southeast Asia Tourism |
5–7 days |
Asia Package + Evacuation Rider |
IDR 75,000–IDR 130,000 |
European Road Trip |
10–14 days |
Full limit global package |
IDR 150,000–IDR 290,000 |
Umrah / |
14–30 days |
International Package + rider |
IDR 280,000–IDR 550,000 |
Active Backpacker / Frequent Traveler |
Multi-trip |
Annual Plan |
Starting from IDR 600,000 / year |
Disclaimer: Premiums are simulated. Actual prices depend on age, destination country, and selected additional riders.
Important Factors When Choosing a Policy:
Choose a medical limit of more than IDR 100 million if you are going abroad.
Add COVID-19 riders and cancellations if there is a potential change in plans.
Avoid buying from travel agents without checking the benefits & riders.
Why Choose Oona:
Rider features that can be added according to trip type, a digital application for claims & tracking, and transparent premiums make Oona superior for active travelers and beginners.
After all the comparisons, simulations, and selection guides, we now summarize the important things so you can make the best decision before leaving.
Travel insurance prices in Indonesia vary greatly—from IDR 24,900 for domestic trips up to hundreds of thousands of rupiah for international destinations. But this small premium can save you from significant costs like medical evacuation, ticket cancellation, or lost luggage.
If you:
Only traveling for 1–3 days → just choose a daily policy
Travel frequently 3x+ per year → use Oona's Annual Travel Plan
Want extra protection → add a COVID-19, cruise, or adventure rider
Then Oona is the right choice. Check premiums and purchase directly online through the official website. You can even file claims digitally, without having to visit in person—with 24/7 global support.
