Indonesia, with a population of 280 million, is one of Southeast Asia's largest sources of Schengen visa applications. The Netherlands is the most historically connected EU country for Indonesian travelers, while Germany and France are also major destinations. Every Indonesian passport holder must show proof of Schengen-compliant travel insurance before their embassy appointment in Jakarta. Indonesia's refusal rate is approximately 20–25%.
Quick Answer
Indonesian nationals need Schengen travel insurance with a minimum of €30,000 (approximately Rp 530 million IDR) in emergency medical and repatriation coverage, valid across all 27 Schengen countries, for the full duration of their trip.
What Insurance Do Indonesian Nationals Need for a Schengen Visa?
The Schengen visa insurance requirement is set by the European Commission under Regulation EC No 810/2009. The minimum requirements are:
- Minimum €30,000 in medical coverage — covering emergency treatment, hospitalization, and repatriation
- Valid across all 27 Schengen countries — even if you only plan to visit one country
- Covers your exact travel dates — policy must begin on or before entry and end on or after departure
- Includes emergency medical evacuation — transport to the nearest adequate hospital if needed
- From a recognized international insurer — internationally recognized carrier required
Important for Indonesian applicants: VFS Global in Jakarta may offer insurance at their visa centers — this is optional, not mandatory. Purchase from WorldTrips, IMG, or Trawick through Tower Hill for better coverage and lower prices.
Cost of Schengen Insurance for Indonesian Nationals
Cost depends on your age, the length of your trip, and the coverage level:
| Age | 15-Day Trip | 30-Day Trip | 90-Day Trip |
|---|---|---|---|
| 18–35 | $12–$18 | $22–$35 | $55–$90 |
| 36–50 | $15–$24 | $28–$45 | $70–$110 |
| 51–65 | $22–$38 | $40–$70 | $110–$180 |
| 66–75 | $35–$60 | $65–$110 | $180–$280 |
| 76–85 | $55–$90 | $100–$160 | $280–$420 |
Estimates for basic-to-mid plans. Use our quote tool for exact pricing.
Best Schengen Insurance Plans for Indonesian Nationals
All three plans meet Schengen requirements and are accepted at EU consulates.
WorldTrips
Atlas International
from $8/wk
Medical
Up to $2M
Evacuation
$1,000,000
Max Age
99
- ✓Lowest price for young travelers
- ✓Instant digital certificate
- ✓Accepted at all EU consulates
IMG
Patriot International
from $10/wk
Medical
Up to $1M
Evacuation
$500,000
Max Age
99
- ✓24/7 global assistance line
- ✓IPA hospital network in Europe
- ✓Best for travelers over 65
Trawick International
Safe Travels International
from $15/wk
Medical
Up to $1M
Evacuation
$500,000
Max Age
89
- ✓Acute onset of pre-existing conditions
- ✓Telemedicine included
- ✓Strong for family groups
Get an Instant Schengen Certificate
Compare plans and get a certificate in minutes — accepted by all EU embassies.
Embassy-Specific Tips for Indonesian Applicants
All Indonesian Schengen applications process through Jakarta. The Dutch Embassy processes the most applications due to historical ties. Here's what to know for each destination:
🇳🇱 Netherlands
The Dutch Embassy in Jakarta processes a significant share of Indonesian Schengen applications due to strong historical ties. They require exact date matching and explicit medical evacuation. Add 1–2 buffer days at your policy end.
🇩🇪 Germany
German Embassy in Jakarta handles business and student visas. Germany increasingly popular with Indonesian professionals and students. Explicit medical evacuation and Schengen-wide coverage required.
🇫🇷 France
French Embassy in Jakarta processes tourist visa applications. France popular with Indonesian tourists visiting Paris. Certificate must show €30,000 Schengen area coverage.
🇮🇹 Italy
Italian Embassy in Jakarta accepts USD certificates. Italy popular with Indonesian tourists. Ensure conversion to €30,000+ is clearly shown.
🇪🇸 Spain
Spanish Embassy in Jakarta requires repatriation of remains explicitly stated. Spain is a popular destination for Indonesian tourists.
Step-by-Step: How to Buy Schengen Insurance as an Indonesian National
- Enter your trip details — destination country, travel dates, and number of travelers.
- Choose a Schengen-compliant plan — WorldTrips, IMG, and Trawick all meet EU requirements.
- Complete payment online — secure checkout takes about 1 minute.
- Download your certificate instantly — arrives by email immediately after payment.
- Submit with your visa application — attach the certificate to your Schengen visa documents at VFS Global in Jakarta.
What if my Schengen visa is rejected?
If your visa application is denied before your travel starts, you can typically get a full or partial refund on your insurance policy. Contact Tower Hill at support@towerhillcorp.com or (844) 950-3468 with your embassy rejection letter.
Frequently Asked Questions
Do Indonesian nationals need travel insurance for a Schengen visa?
Yes. Indonesian nationals must provide travel insurance with a minimum of €30,000 (approximately Rp 530 million IDR) in emergency medical coverage, valid across all 27 Schengen countries for the entire trip duration.
Which Schengen embassy in Jakarta should I apply through?
Apply through the consulate of the country you'll spend the most time in. The Dutch Embassy is historically most connected to Indonesia. Germany and France are also major consulates in Jakarta. All accept WorldTrips, IMG, and Trawick certificates.
How much does Schengen insurance cost for Indonesian nationals?
Schengen insurance costs $8–$25 per week depending on age. A 30-day plan for a 30-year-old is $24–$45. The certificate is delivered instantly by email and accepted at all EU embassies in Jakarta.
Is VFS Global Jakarta's insurance offer mandatory?
No. VFS Global may offer insurance at their Jakarta center, but it is not mandatory. You can purchase from any recognized international provider. Tower Hill's plans (WorldTrips, IMG, Trawick) typically offer better coverage at lower prices.
Can I get a refund if my Schengen visa is denied?
Yes. Submit the embassy rejection letter to Tower Hill at support@towerhillcorp.com or (844) 950-3468 and we'll coordinate a full or partial refund.
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Plans from $8/week. Accepted at Dutch, German, French, Italian, and all EU embassies in Jakarta. Certificate delivered instantly by email.
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