Indonesia Risk Assessment Country Guide

Working Abroad in Indonesia

The Southeast Asian country of Indonesia is home to nearly 250 million people, spread across more than 17,000 islands. 

According to the UK Government Foreign & Commonwealth Office, foreign nationals should be cautious when traveling to several regions of Sumatra, as well as Aceh, Central Sulawesi Province, Maluku Province and Papua and West Papua Province. Violent incidents have often been reported around major holidays, such as Easter, Christmas, Balinese New Year and the nation's Independence Day, August 17.

Prior to living or working in Indonesia, you should consider several international insurance solutions to reduce the costs of living outside of your home country. Certain risks, like those of kidnapping and terrorism, are present within Indonesia. Indonesia authorities reported the possibility of a terrorist attack as recently as over the New Year period in 2014.

  • Health
  • Safety & Security
  • Terrorism

Indonesian medical facilities often lack quality and provide poor care. Therefore, it is advisable to consult your primary care physician prior to leaving for the country. Discussing possible vaccinations and other preventative measures can help reduce the risk of living abroad in Indonesia.

Good medical care in Indonesia is expensive, and is typically located near major cities. Remote regions either have low quality care, or none at all. Rabies is common among both domestic and wild animals within the country, and all contact with pets should be avoided while living in Indonesia. Bali also has a high risk of dengue fever, especially during the rainy season from October to April. Since 2003, there have been more than 150 confirmed deaths caused by avian flu, and contamination could occur at live animal markets and poultry farms.

If you need medical care while living in Indonesia, Clements Worldwide provides Expat Health Insurance. Coverage includes up to USD 5 million in health care benefits, as well as flexible payment options and choice of deductible.

With Clements, you can also elect to have Medical Evacuation and Repatriation coverage as well. Insurance covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment in Indonesia.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Indonesia.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

While the overall political situation in Indonesia is stable, there are certain areas where violence could appear.

Political turmoil is fairly common in the Central Sulawesi Province. You should be aware of possible problems in Palu, Poso and Tentena. Unrest has also been reported in the Maluku Province and Papua and West Papua. In June 2013, a British national was abducted in Aceh, and foreigners have been targeted at other times.

Road conditions are adequate across some parts of Indonesia. However, traffic discipline is poor, and even minor accidents could lead to incidents of exploitation. Because of these conditions, some international organizations do not allow expat staff to drive in the country. 

If you do own or rent a vehicle in Indonesia, Clements offers Overseas Car Insurance. Policies include Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest.

The waters around Indonesia can also be dangerous. Attacks have been reported against ships, and Mariners should reduce opportunities for theft whenever possible and exercise caution. Clements provides Maritime Security insurance, which ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage and more efficient policy administration.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Indonesia.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

There is a high risk of terrorism in Indonesia. There have been reports of terrorist groups planning attacks, which could take place anywhere across the country.

On October 20, 2016 a group of 3 Indonesian police officers were wounded in a terrorist-inspired attack. The Islamic State affiliated attacker was shot and killed by security forces.

On August 16, 2016, a man carrying bombs attacked a priest, injuring 4 people, on Indonesia's Sumatra Island.

On July 5, 2016, a suicide bomber on a motorcycle killed himself and injured one other person.

On January 14, 2016, several explosions followed by gunfire occurred in central Jakarta with a Starbucks and a police station appearing to be the main targets. The attack involved 7 participants and was directed by ISIL.

In July 2009, the JW Marriot and Ritz-Carlton hotels in Jakarta were bombed and one British national was killed. Smaller attacks also take place regularly. In addition to hotels, bars, restaurants, markets, shopping malls and other public locations could be targeted.

With Clements, you can have War and Terrorism insurance. This extension offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

The threat of kidnapping is also high in the country. Incidents have occurred frequently in and around the Sulu and Celebes seas. In Papua, separatists have been known to kidnap foreigners, and abductions have also occurred in Aceh. A Kidnap and Ransom insurance policy from Clements ensures financial assistance following a kidnapping, such as independent investigations, negotiations, and the arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Indonesia.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions