If you’ve ever fantasized about spending your retirement years surrounded by warm beaches, rich culture, and a slower pace of life, Indonesia may just be your ideal destination. From the relaxed rice fields of Ubud to the seaside serenity of Lombok or the charm of Yogyakarta, it’s easy to see why so many retirees are choosing Indonesia to settle down. But paradise does come with paperwork.
If you're serious about making your retirement in Indonesia a reality, it's essential to understand the visa process — and one very important requirement: health insurance in Indonesia.
Indonesia offers a special retirement visa (technically known as the Retirement KITAS) for foreigners aged 55 and above. This visa allows retirees to stay in the country for one year, with the option to renew up to four times. After completing these renewals, retirees can apply for a Permanent Stay Permit — called the KITAP — which opens the door to long-term residency in Indonesia.
This visa isn’t a one-size-fits-all document. It’s specifically designed for retirees, and it comes with conditions that ensure retirees contribute positively to their adopted community — without taking jobs away from locals.
To be eligible for a retirement visa in Indonesia, you must:
These requirements reflect the Indonesian government’s aim to welcome retirees who can contribute to the local economy — and take care of themselves responsibly while doing so.
One of the key conditions for securing a retirement visa is holding valid health insurance in Indonesia. That’s not just a bureaucratic box to tick — it’s a smart, and often necessary, step for enjoying a worry-free retirement.
Medical costs in Indonesia can vary widely depending on where you live and the type of care you need. While routine care may be affordable, major procedures, private hospitals, and emergency treatment can be surprisingly expensive. Having health insurance ensures you’ll have access to quality medical care without the financial stress, whether you’re in Bali or Bandung.
Thinking of retiring in Indonesia? Pacific Cross offers specialized health insurance products for retirees living across the region. With our plans, you’ll have access to reliable private healthcare, support in English, and peace of mind knowing you’re covered for both everyday health needs and unexpected emergencies. Let Pacific Cross help you settle into your new life with confidence.
Applying for a retirement visa can feel overwhelming, but the process becomes smoother when you break it down:
Each Retirement KITAS is valid for one year and renewable four times. That gives you a potential five-year stay in Indonesia. After that, you become eligible to apply for a KITAP — the coveted permanent residence permit.
To apply for the KITAP, you must:
The KITAP allows you to stay in Indonesia for up to five years at a time, with minimal renewal hassle — a welcome relief if you’re planning to make this your forever home.
Retiring in Indonesia offers a unique mix of affordability, comfort, and adventure. But moving abroad — even to paradise — requires thoughtful planning. From visa paperwork to health insurance in Indonesia, taking care of the essentials will ensure your retirement is filled with the relaxation and discovery you deserve.
With the right support, including expert insurance from Pacific Cross, your golden years in Indonesia can be truly golden. So go ahead — enjoy that beachfront villa, take that morning walk through the rice fields, and sip your coffee slowly. You've earned it.
