When planning a trip to Europe, the USA, Japan, South Korea, Australia, or Russia from Indonesia, one critical aspect of your visa application is travel insurance. At Flado Visa Agency, we’ve seen many visa applications get rejected simply because the applicant didn’t meet the strict insurance requirements or bought an unsuitable plan.
In this guide, we explain the Schengen visa insurance requirements and compare the two best ways to get covered depending on your residency status: the local aggregator Traveloka Insurance (best for WNI and KITAS/KITAP holders) and SafetyWing (best for Expats and Digital Nomads).
1. Schengen Visa Insurance Requirements (The Rules)
For any Schengen visa (France, Germany, Netherlands, etc.), your travel insurance must meet the following criteria:
- Minimum Coverage: At least €30,000 (approx. $33,000 USD).
- Area: The insurance must be valid for all 27 Schengen member states.
- Benefits: Must cover emergency medical expenses, hospital stays, and repatriation of remains.
- Deductible: Most embassies require a $0 deductible (you shouldn’t pay anything out-of-pocket before the insurance kicks in).
2. Traveloka Insurance: The Ultimate Hub for Local Coverage (WNI & KITAS/KITAP)
Instead of checking multiple local providers individually, Traveloka acts as a comprehensive broker, offering plans like the Zurich Visa Executive Schengen. This is the perfect, budget-friendly choice, but you must be an Indonesian citizen (WNI) or a residence permit holder (i.e., KITAS or KITAP) to be eligible for coverage.
Key Features & Pricing:
- Schengen Guaranteed: Plans like Zurich Executive provide coverage up to Rp 1.000.000.000 for accidents and medical expenses, and are guaranteed valid for Schengen visa applications.
- Short-Trip Pricing: A 4-day trip to France costs approximately Rp 103.000 / pax (roughly Rp 25.750 per day).
- Monthly Estimate: If you are traveling for a full month (30 days), the cost is highly cost-effective at just Rp 585.000 / pax.
- Cost Per Day (Monthly): For a 30-day trip, this breaks down to a mere Rp 19.500 per day.
3. SafetyWing: The Premium Choice for Expats & Nomads
If you are a foreign national (WNA) in Indonesia without a KITAS, or a digital nomad who is already traveling, local insurance companies will not cover you. This is where SafetyWing steps in as the most flexible, global solution.
Why Choose SafetyWing:
- No Residency Limits: You don’t need an Indonesian ID card or KITAS to purchase.
- Buy Anytime, From Anywhere: Even if you’ve already left your home country, you can purchase SafetyWing on the go.
- Schengen Ready: You get a specific “Visa Letter” PDF instantly after purchase. Make sure to select the $0 deductible option to guarantee embassy acceptance.
- Pricing (Monthly): Plans start around $45-$50 per 4 weeks depending on age. In Indonesian Rupiah, this equals approximately Rp 700.000 – Rp 800.000 per month. This makes SafetyWing highly competitive with local Indonesian monthly rates, while offering unmatched flexibility for long-term travelers.
4. Comparison Table: Traveloka vs. SafetyWing
| Feature | Traveloka Insurance (e.g., Zurich) | SafetyWing |
|---|---|---|
| Eligibility | WNI & KITAS/KITAP Holders Only | Expats, WNA without KITAS, Nomads |
| Cost Per Day (Estimate) | ~Rp 19.500 – Rp 25.750 / day | ~Rp 25.000 – Rp 28.000 / day |
| Monthly Cost (Estimate) | Rp 585.000 | ~Rp 750.000 ($45-$50) |
| Schengen Ready? | Yes (Guaranteed valid) | Yes (With $0 deductible selected) |
| Purchase Link | Book via Traveloka | Book via SafetyWing |
5. Other Popular Destinations & Their Insurance Rules
When traveling to countries beyond the Schengen area, it’s essential to check their specific insurance requirements:
- Australia: Many visas (e.g., 482, 485) require Overseas Visitor Health Cover (OVHC). Both platforms offer acceptable tourist options, but work visas may require specific Australian policies.
- USA: Medical costs in the US are astronomical. We highly recommend ensuring your plan covers at least $100,000 USD. Both Traveloka (Premium plans) and SafetyWing can cover this.
- Japan & South Korea: Minimum required coverage is generally around $22,000 – $30,000 USD. You can easily meet this threshold using either service.
- Russia: Due to international sanctions, mainstream global and Indonesian providers (like Traveloka and SafetyWing) do not provide coverage for trips to the Russian Federation. To apply for a Russian visa, you must purchase a specialized policy.
👉 Get Specialized Medical Insurance for Russian Visa here.
6. Get Personal Handling for Your Visa & Insurance
Choosing the wrong insurance plan can result in visa rejection and non-refundable flight costs. Let us simplify the process for you.
Why Book Through Flado Visa Agency?
- We ensure your policy meets embassy-specific requirements.
- We handle paperwork for both WNI and KITAS/KITAP holders.
- We help you choose the right provider between local aggregators and global providers.
Contact our Insurance Specialist:
- WhatsApp: +6281239134485
- Email: visa@flado.id
- Office: Visit us in Bali and Jakarta for a consultation.
Ready to apply for your Visa?
👉 Apply for your Schengen Visa with Flado: Flado Schengen Visa Application in Indonesia
👉 Learn the Schengen Visa Requirements: Flado Schengen Visa Requirements in Bali and Jakarta