Been living in Indonesia for 5 years , never had medical insurance , never been asked or needed medical insurance to renew my Kitas (wife sponsored) am in the process of converting to Kitap and wasn't asked . I've got cover from the local hospital , paid 1,700,000rp and it covers me ,my wife and son for everything including dental !! Had quotes from medical insurance companies and I'm sure there all paying a commission to the Indonesian government who think all expats are millionaires the way they charge for everything that was free back in OZ , 12-15 grand a year for a cover that's as useful as a knob of goat shit . Hospitals still want there cash then you've got to go through the hassle of trying to get your money back from the insurer !