- Joined
- Oct 30, 2016
- Messages
- 814
I don' know if this helps but here' our crazy plan.
I' in my 60s and my wife is catching up. We have no insurance in Indonesia at this point. Oh and we live in a village in north sulawesi. We do have Medicare in the states that partial covers hospital and surgeries just in case. We use the local clinics here for normal stuff ( cuts, bites , rashsand minor illiness) which can turn ugly here in the jungle (jungle is a few hunded meters away lol) . This costs about 150,000 which includes medicine. If they can' handle it or it' more serious we go to the hospital which runs more like 300,000 not including meds. We have a cirlcle of doctors we have found that we trust (somewhat). We are alwas on the look out for recommendations.
Both me and my wife have had a couple of serious things since we got here. Me a detached retina and she had to have stomach surgery , both done in jakarta with amazing doctors and care. We paid cash for both (well credit cards).
We figured out what medical insurance would be for us (way too much) and we put half of that in a bank account each month. When it reachs a certain amount we either stop putting into that account or spend some of it.
Now understand though I'm only in my 60s it was a rough 60 years which included bike wreak, car wreaks, drug abuse, shot once, stuck with knife twice, hep c, multply broken bones, 4 back surgeries , diabetes so on and so forth. I'm kind of stuck togethe with metal , stiches ,glue and tape. So though I feel great I'm not running a malathion. I've stopped most of the drugs that western doctors said I'd need the rest of my life including pain meds. My diabetes is controlled now with just metiform which costs next to nothing here. My blood pressure is fine , my blood sugars are great and I try getting into the ocean 5 times a week.
I would rather spend my money on adventures then insurance. Our life style here is much more healthy (except for the roast pig mmm).
So far it' worked for us. Next year we will be on BPJS though to save 150,000 to 300,000 I'm not sure it will be of large value. When you are paying cash you go to the front of the line.
Most important though is reseaching the doctors and hospitals before you need them. We have had great help here with reccomendations. And when we needed it got world class care (better and faster then in the states not to mention cheaper)
Hope this helps
I' in my 60s and my wife is catching up. We have no insurance in Indonesia at this point. Oh and we live in a village in north sulawesi. We do have Medicare in the states that partial covers hospital and surgeries just in case. We use the local clinics here for normal stuff ( cuts, bites , rashsand minor illiness) which can turn ugly here in the jungle (jungle is a few hunded meters away lol) . This costs about 150,000 which includes medicine. If they can' handle it or it' more serious we go to the hospital which runs more like 300,000 not including meds. We have a cirlcle of doctors we have found that we trust (somewhat). We are alwas on the look out for recommendations.
Both me and my wife have had a couple of serious things since we got here. Me a detached retina and she had to have stomach surgery , both done in jakarta with amazing doctors and care. We paid cash for both (well credit cards).
We figured out what medical insurance would be for us (way too much) and we put half of that in a bank account each month. When it reachs a certain amount we either stop putting into that account or spend some of it.
Now understand though I'm only in my 60s it was a rough 60 years which included bike wreak, car wreaks, drug abuse, shot once, stuck with knife twice, hep c, multply broken bones, 4 back surgeries , diabetes so on and so forth. I'm kind of stuck togethe with metal , stiches ,glue and tape. So though I feel great I'm not running a malathion. I've stopped most of the drugs that western doctors said I'd need the rest of my life including pain meds. My diabetes is controlled now with just metiform which costs next to nothing here. My blood pressure is fine , my blood sugars are great and I try getting into the ocean 5 times a week.
I would rather spend my money on adventures then insurance. Our life style here is much more healthy (except for the roast pig mmm).
So far it' worked for us. Next year we will be on BPJS though to save 150,000 to 300,000 I'm not sure it will be of large value. When you are paying cash you go to the front of the line.
Most important though is reseaching the doctors and hospitals before you need them. We have had great help here with reccomendations. And when we needed it got world class care (better and faster then in the states not to mention cheaper)
Hope this helps