Indonesia (ID)
Bali and beyond — Indonesia is a vast tropical archipelago of 17,000+ islands offering affordable living, extraordinary cultural diversity, world-class nature, and a rapidly growing digital economy that attracts digital nomads, retirees, and professionals from around the globe.
Capital: Jakarta
Region: Asia
Language: Indonesian
Currency: IDR (Rp)
Cost of living: Very affordable (index 28)
Emergency: 112
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Time: 30 minutes · Cost: Free + small gift budget Rp50,000–100,000
Deadline: Within 7 days of moving into a new address
Risk if missed: Non-compliance can complicate future KITAS renewals and may cause issues with local authorities
Where to go: Your local RT office or the RT's home (ask security/satpam at your building for the RT's address)
Documents needed:
- ✓ Passport copy
- ✓ KITAS copy
- ✓ Rental agreement or proof of address
Tip: RT registration also enables you to get Surat Keterangan Domisili (residence certificate) later — needed for bank account opening and NPWP.
Local institution: RT/RW (Rukun Tetangga / Rukun Warga (neighbourhood leader))
Time: 1–3 days at the kelurahan office · Cost: IDR 0–100,000 (small administrative fees vary by area)
Deadline: Within 14 days of moving into your Indonesian residence
Risk if missed: Administrative non-compliance. Issues with school enrolment, local business registrations, and potential complications at KITAS renewal.
Where to go: Kantor Kelurahan of your residential address
Documents needed:
- ✓ KITAS or KITAP (original and copies)
- ✓ Passport
- ✓ IMTA (work permit) if employed
- ✓ Rental contract or property ownership proof
- ✓ Sponsor letter from KITAS sponsor
- ✓ Photos (3×4cm)
Tip: Bring multiple copies of all documents — Indonesian government offices frequently request extra copies. Your RT (Rukun Tetangga — neighbourhood head) and RW (Rukun Warga — community unit head) are the first contacts for local registration. Introduce yourself to your RT/RW soon after moving in — they are key figures in Indonesian neighbourhood administration and can smooth many bureaucratic processes. In Bali: the banjar (traditional community council) plays a similar role for cultural integration.
Local institution: Kantor Kelurahan / Dinas Dukcapil (Local Administrative Office / Civil Registration Service)
Time: 1–2 days · Cost: Free
Deadline: Within 14 days of moving to new address
Risk if missed: Immigration violation — can affect KITAS renewal and police registration
Where to go: Local Kantor Imigrasi (of your new district)
Documents needed:
- ✓ Passport
- ✓ KITAS
- ✓ New rental agreement or address proof
- ✓ Surat Keterangan Domisili from new RT/RW
Tip: Keep digital copies of all address change notifications with timestamps. Inform BPJS Kesehatan of new address via Mobile JKN app or office — important for correct FKTP assignment.
Local institution: Kantor Imigrasi
Time: 1 day in-person; 3–5 days online · Cost: Employed: 4% employer + 1% employee of gross salary. Self-enrolled: Rp42,000 (Class III), Rp100,000 (Class II), Rp150,000 (Class I) per person/month
Deadline: Within first month of KITAS issuance
Risk if missed: No health insurance coverage — private hospital bills can be enormous. JKN mandatory by law.
Where to go: BPJS Kesehatan office or online at bpjs-kesehatan.go.id. Employer enrolls employees directly.
Documents needed:
- ✓ Passport
- ✓ KITAS
- ✓ Local address proof
- ✓ Bank account for autopay
- ✓ Passport photo (3×4cm)
- ✓ Employee enrollment form (if via employer)
Tip: Download the Mobile JKN app immediately after enrollment to access your virtual BPJS card. Register with a FKTP (primary clinic or Puskesmas) near your home — required for GP access and specialist referrals.
Local institution: BPJS Kesehatan (National Health Insurance Agency)
Time: 1–2 days (including queuing) · Cost: Free
Deadline: Within 30 days of receiving KITAS or moving to new address
Risk if missed: Immigration violation — KITAS may be cancelled or not renewed. Police may fine.
Where to go: Local Kantor Imigrasi (Immigration Office) in your district/city
Documents needed:
- ✓ Passport
- ✓ Original KITAS card
- ✓ Rental agreement or proof of address
- ✓ Surat Keterangan Domisili from RT/RW
Tip: After reporting address to immigration, you will receive an STM (Surat Tanda Melapor — police registration letter) — keep this document safe.
Local institution: Kantor Imigrasi (Local Immigration Office)
Time: 1–3 days (office); 3–7 days (online) · Cost: Free
Deadline: Within first month of starting work or earning income above threshold
Risk if missed: Cannot open bank accounts (above threshold), blocked from property transactions, and penalties for non-filing of SPT Tahunan
Where to go: Local DJP Pratama tax office or online at pajak.go.id
Documents needed:
- ✓ Passport
- ✓ KITAS
- ✓ Surat Keterangan Domisili (residency certificate from RT/Kelurahan)
- ✓ Employment contract or proof of income
Tip: Bring originals AND copies. NPWP processing is now faster via the DJP Kunjungi website or efiling portal. Your employer's HR may assist with this process for employed KITAS holders.
Local institution: DJP Pratama (Directorate General of Taxes — Local Office)
Time: 1 day · Cost: Rp35,000–150,000/person/month + possible 14-day waiting period for non-emergency coverage
Where to go: BPJS Kesehatan office or bpjs-kesehatan.go.id
Documents needed:
- ✓ Passport
- ✓ KITAS
- ✓ Local address
- ✓ Indonesian bank account for autopay
Tip: Set up bank autopay (Auto Debit BPJS Kesehatan) immediately to avoid arrears — arrears block services and accumulate 2%/month penalty. Mobile JKN app for digital card and facility finder.
Local institution: BPJS Kesehatan
Time: 4–8 weeks from RPTKA submission · Cost: USD 1,200 IMTA annual fee (employer pays) + Rp1,500,000–3,000,000 processing
Deadline: Apply before starting work in Indonesia
Risk if missed: Working without valid KITAS is illegal — risk of deportation and employer fines
Where to go: Local Kantor Imigrasi (Immigration Office) — your employer or immigration agent typically coordinates this
Documents needed:
- ✓ Valid passport (6+ months remaining)
- ✓ IMTA (Work Permit) — obtained by employer
- ✓ Employment contract
- ✓ Apostilled degree/qualification certificate
- ✓ Passport photos (4×6cm)
- ✓ Health certificate
Tip: Use a licensed immigration consultant (Emerhub, Cekindo, Indonesian Expat) to manage the process — RPTKA/IMTA/KITAS involves multiple agencies. Ensure your employer starts the RPTKA process at least 2 months before your planned start date.
Local institution: Kantor Imigrasi (Immigration Office)
Time: 4–6 weeks · Cost: USD 1,200 IMTA annual fee (employer) + Rp1,500,000–3,000,000 KITAS processing
Deadline: Start process 60 days before KITAS expiry
Risk if missed: KITAS expiry without renewal: IDR 1,000,000/day overstay fine + deportation + potential blacklisting from Indonesia
Where to go: Kantor Imigrasi where KITAS was originally issued or employer's immigration agent
Documents needed:
- ✓ Current KITAS (original)
- ✓ Passport (6+ months validity)
- ✓ Updated employment contract
- ✓ Employer renewal request letter
- ✓ IMTA renewal (employer obtains)
Tip: Set a calendar reminder 90 days before KITAS expiry. Alert HR/immigration agent 90 days before to allow employer IMTA renewal process to start. Track KITAS expiry date in Mobile JKN app which shows KITAS details.
Local institution: Kantor Imigrasi (Immigration Office)
Time: 2–4 hours (self-filing) to several days (with tax consultant) · Cost: Free self-filing. Tax consultant: Rp1,500,000–5,000,000
Deadline: 31 March each year for individuals
Risk if missed: Late filing penalty: Rp100,000 per late SPT. Non-filing: DJP audit risk and larger penalties
Where to go: Online at djponline.pajak.go.id (most efficient) or DJP Pratama office
Documents needed:
- ✓ NPWP
- ✓ Bukti Potong PPh 21 from employer (Form 1721 A1)
- ✓ Bank statements
- ✓ Income sources documentation
- ✓ EFIN (Electronic Filing Identification Number) from DJP office
Tip: Get your EFIN (Electronic Filing ID Number) from DJP office before attempting online filing — required first time. Employer provides Form 1721 A1 by end of January. For complex situations (multiple income sources, property, foreign accounts): use a certified tax consultant (konsultan pajak).
Local institution: DJP (Direktorat Jenderal Pajak) (Directorate General of Taxes)
Time: 3–7 days (employer process) · Cost: Employee: 2% (JHT) + 1% (JP) of gross salary. Employer: additional 3.7% (JHT) + 2% (JP) + 0.24–1.74% (JKK) + 0.3% (JKM)
Risk if missed: Non-enrollment is illegal for formal employers. You lose JHT savings and work accident coverage.
Where to go: Employer registers on your behalf at BPJS Ketenagakerjaan office
Documents needed:
- ✓ Passport
- ✓ KITAS
- ✓ Employment contract
- ✓ Employer registration documents (employer provides)
Tip: Download the BPJSTKu app to track your JHT balance, contribution history, and JP balance. When leaving Indonesia permanently, JHT can be withdrawn immediately with KITAS cancellation proof.
Local institution: BPJS Ketenagakerjaan (Employment Social Security Agency)
Time: 30 minutes · Cost: SIM: Rp5,000–30,000. Monthly 10GB data package: Rp70,000–100,000
Deadline: First day or two after arrival
Risk if missed: Cannot use GoJek/Grab, register for banking apps, or receive OTP codes. Severely limits daily functioning.
Where to go: GraPARI Telkomsel, XL Centre, or Indomaret/Alfamart for SIM purchase. Full registration with passport at GraPARI.
Documents needed:
- ✓ Passport
- ✓ KITAS (for registration in your name)
Tip: Register SIM with your KITAS at a GraPARI service centre — unregistered SIMs are deactivated within 3 months. Consider dual-SIM: Telkomsel (reliable coverage) + XL (data pricing). Top up data via Indomaret, Alfamart, or GoJek GoTagihan.
Local institution: GraPARI Telkomsel / XL Centre (Telkomsel Service Centre / XL Outlet)
Time: 30 minutes · Cost: Free
Deadline: Within 7 days of BPJS enrollment
Risk if missed: Cannot use BPJS for GP or specialist referrals — must pay out-of-pocket
Where to go: Selected Puskesmas near your home or BPJS Kesehatan office for clinic change
Documents needed:
- ✓ BPJS Kesehatan card (or Mobile JKN app)
- ✓ Passport
- ✓ KITAS
Tip: You can change your registered FKTP once a month via the Mobile JKN app. Consider a BPJS-contracted private clinic rather than a Puskesmas for better waiting times and sometimes English-speaking doctors.
Local institution: Puskesmas (Pusat Kesehatan Masyarakat — Community Health Centre)
Time: 1–3 days · Cost: BCA: Rp15,000–20,000/month admin fee. Jenius: free
Deadline: Within first month of KITAS issuance
Risk if missed: Cannot receive Indonesian salary, pay rent by transfer, or use QRIS digital payments
Where to go: BCA: nearest BCA branch. Jenius: download app and complete digital enrollment (may require branch visit for KITAS holders)
Documents needed:
- ✓ Passport
- ✓ KITAS
- ✓ NPWP (required for most banks)
- ✓ Surat Keterangan Domisili or Surat Keterangan dari RT/RW
- ✓ Employer letter (some banks require)
- ✓ Minimum initial deposit: Rp500,000
Tip: Obtain NPWP before opening bank account — most Indonesian banks require NPWP. BCA myBCA app and Jenius app both enable QRIS payments, BI-FAST transfers, and e-toll top-up. Load BCA Flazz or Mandiri e-Money card for toll roads.
Local institution: Bank Central Asia / Bank BTPN (Jenius) (BCA (most expat-friendly traditional bank) / Jenius (English neobank))
Time: 1 day at office · Cost: Rp42,000–150,000 per dependent per month (same class as primary)
Deadline: Within 30 days of arrival for family members
Risk if missed: Uninsured children — private hospital bills for children's emergencies can be Rp5,000,000–50,000,000+
Where to go: BPJS Kesehatan office or via Mobile JKN app
Documents needed:
- ✓ Primary BPJS card
- ✓ Child's birth certificate (apostilled + Indonesian translation)
- ✓ Child's dependent KITAS
- ✓ Marriage certificate (for spouse enrollment)
Tip: Even with private international insurance, BPJS covers urgent care at any BPJS-registered hospital nationwide — essential safety net for family.
Local institution: BPJS Kesehatan
Time: Same day (reciprocal countries) to 2–3 days (with testing) · Cost: SIM A: Rp120,000. SIM C: Rp100,000. Medical certificate: Rp50,000–100,000
Deadline: Within 30 days of KITAS issuance
Risk if missed: Driving without Indonesian SIM: fine Rp1,000,000 + vehicle impoundment risk. Insurance claims may be voided without valid SIM.
Where to go: Polres (District Police) Satlantas office or Satpas SIM in your city
Documents needed:
- ✓ Passport
- ✓ KITAS
- ✓ Original foreign driving licence
- ✓ Medical certificate (surat keterangan sehat) from clinic
- ✓ IDP (International Driving Permit)
- ✓ Passport photos 4×6cm and 2×3cm
- ✓ For non-reciprocal countries: prepare for theory and practical test
Tip: Check if your country has a reciprocal agreement with Indonesia — reciprocal country licence holders avoid the written and practical test. Medical certificate from any licensed clinic (not necessarily Puskesmas). SIM valid for 5 years. Renew 30 days before expiry.
Local institution: Polres Satlantas / Satpas SIM (District Police Traffic Unit / SIM Registration Station)
Full task details are available in the Premium plan
Become a Supporter Time: 3–10 days per document for translation; 1–4 weeks for apostille (varies by country) · Cost: Translation: IDR 300,000–1,000,000 per document page. Apostille fees: varies by home country (USD 20–200 typically).
Where to go: Sworn translator offices in Jakarta (PNRI — pnri.go.id), Bali, Surabaya, and other major cities
Documents needed:
- ✓ Original foreign document
- ✓ Apostille stamp from issuing country's competent authority
- ✓ Contact details of a PNRI-registered sworn translator
Tip: Get multiple certified copies of each translated document — Indonesian institutions often request originals and copies. Store originals safely and use notarised copies where possible. Indonesia joined the Hague Apostille Convention in 2022 — apostilling documents is now much simpler than the previous legalisation process. UK, US, EU countries all have straightforward apostille services. Check which Indonesian institution requires the document and confirm their specific requirements before translating.
Local institution: PNRI / Sworn Translators (Penerjemah Tersumpah) (Official Document Translation and Apostille)
Time: 7–14 days from application to installation · Cost: IndiHome 20Mbps: Rp299,000–399,000/month. MyRepublic 50Mbps: Rp399,000–599,000/month
Where to go: IndiHome: myindihome.co.id or Telkom plasa. MyRepublic: myrepublic.net.id
Documents needed:
- ✓ Passport
- ✓ KITAS
- ✓ Rental agreement (landlord may sign in their name)
Tip: Some landlords provide internet — check before contracting separately. IndiHome may register in landlord's name — note this for future cancellation. Backup: Telkomsel 4G unlimited data SIM (Rp200,000–350,000/month) for initial period.
Local institution: IndiHome / MyRepublic Indonesia
Time: 30 minutes to register and first event attendance · Cost: InterNations basic membership: free. Albatross (premium): USD 10/month
Where to go: internations.org — register with your email. Facebook: search "Jakarta Expats" or "Bali Expats"
Tip: The expat community in Indonesia is genuinely welcoming and full of practical knowledge — join the Facebook groups before arrival and post your "just arrived" introduction. The community provides invaluable real-time information on visa changes, trusted service providers, and social events.
Time: 1–2 days of exploration · Cost: Warung meal: Rp15,000–25,000. Pasar market basket: Rp100,000–200,000/week
Tip: Learn "tidak pedas" (not spicy) and "tolong sedikit sambal" (a little sambal please). The best warungs have queues — follow Indonesians' lead. GoFood app delivers from local warungs for those busy days.
Time: 30 minutes to register, then weekly drop-off · Cost: Free — you receive payment for sorted materials
Where to go: Ask RT/RW or use banksampah.id app to find nearest location
Tip: Plastic PET bottles: Rp200–500/kg. Cardboard: Rp500–1,000/kg. Aluminium cans: Rp8,000–12,000/kg. Participating in Bank Sampah also builds goodwill with neighbours.
Local institution: Bank Sampah (Waste Bank — community recycling exchange programme)
Time: 15 minutes · Cost: Free to download. GoPay top-up: minimum Rp10,000. GoJek motorcycle ride 5km: Rp10,000–20,000
Where to go: Download from Google Play Store or Apple App Store
Documents needed:
- ✓ Indonesian mobile number for registration
Tip: Always wear the GoJek/Grab helmet provided — it's mandatory and protects you. Set your home and office as saved addresses for faster booking. GoPay linked to your bank account for seamless top-up. GoFood is the fastest food delivery in Indonesian cities.
Time: 20 minutes · Cost: Free to set up. Top-up from Indonesian bank account.
Where to go: Download GoJek (GoPay), OVO, or DANA app. Link to Indonesian bank account.
Documents needed:
- ✓ Indonesian mobile number
- ✓ Indonesian bank account (for top-up/link)
Tip: GoPay is most widely accepted. OVO is strong in Grab ecosystem. DANA has strong Shopee integration. Link to BCA account for reliable instant top-up. QRIS payments also accepted for BPJS contributions at many collection points.
Time: 15 minutes · Cost: Free. Domestic flight Jakarta to Bali: Rp400,000–900,000. Train Jakarta to Yogyakarta: Rp250,000–800,000
Where to go: Google Play or Apple App Store
Tip: Book train tickets 30–60 days in advance for popular routes (Jakarta-Yogyakarta, Jakarta-Bandung) — executive class seats sell out. Traveloka best for bundled flight + hotel deals. Pay via GoPay or bank transfer for best discounts.
Time: 30 minutes setup · Cost: USD 5–15/month for reputable VPN service
Where to go: NordVPN, ExpressVPN, Mullvad, or ProtonVPN — subscribe online before arrival
Tip: VPN use is technically in a grey legal area in Indonesia but widely practiced by expats and Indonesians. Avoid political content that could be flagged under ITE Law. Use reputable paid VPN — free VPNs often log and sell your data. NordVPN and ExpressVPN have servers in Singapore (fast, nearby).
Time: 4–12 weeks from application to enrollment decision · Cost: JIS: USD 18,000–28,000/year. BSJ: USD 20,000–30,000/year. Green School Bali: USD 10,000–18,000/year. Enrollment deposit: USD 1,000–3,000
Deadline: Apply as soon as KITAS process begins — ideally before arrival
Risk if missed: Premium schools fill up quickly — late registration may mean no suitable placement available
Where to go: Direct application to chosen school admissions office
Documents needed:
- ✓ Child's passport and dependent KITAS
- ✓ Birth certificate (apostilled + translated)
- ✓ Previous school records and transcripts
- ✓ Immunisation records
- ✓ Parent's KITAS and employment documentation
Tip: Some schools provide school bus service within defined zones — check before choosing home location. Confirm whether employer education allowance covers enrollment fees and annual tuition. Check school proximity to your planned residence.
Local institution: Jakarta Intercultural School / British School Jakarta / Green School Bali
Full task details are available in the Premium plan
Become a Supporter Time: 3–12 months from application to confirmed placement · Cost: JIS: USD 18,000–28,000/year. BSJ: USD 20,000–30,000/year. Green School: USD 10,000–18,000/year. Gandhi Memorial: USD 4,000–8,000/year
Risk if missed: Top schools fill up — waitlists can be 6–18 months. Public Indonesian schools are free but instruction in Indonesian only.
Where to go: Admissions offices of chosen international schools
Documents needed:
- ✓ Child's dependent KITAS
- ✓ Previous school transcripts (apostilled and translated)
- ✓ Immunisation records
- ✓ Enrollment fee (USD 1,000–3,000 non-refundable)
Tip: Negotiate education allowance with employer BEFORE signing contract — much harder to add later. Some schools offer rolling admissions. Check if school has afternoon/weekend Bahasa Indonesia classes — good for cultural integration alongside English curriculum.
Full task details are available in the Premium plan
Become a Supporter Time: 2–4 weeks for RPTKA; additional 2 weeks for IMTA · Cost: USD 1,200/year IMTA fee + professional service fees Rp3,000,000–8,000,000
Risk if missed: Foreign worker employed without RPTKA/IMTA: company fined Rp25,000,000–100,000,000 per violation; worker deported
Where to go: Kemnaker portal (siap-kerja.kemnaker.go.id or TKA online)
Documents needed:
- ✓ Company deed (Akta PT PMA/PT)
- ✓ OSS-RBA business licence
- ✓ Job description and position justification
- ✓ Foreign worker's degree certificates (apostilled + translated)
- ✓ Signed employment contract
- ✓ Domicile certificate
- ✓ Annual fee payment proof
Tip: RPTKA must be obtained before KITAS application — this is the first step in the entire foreign worker sponsorship process. Ensure job title and description in RPTKA matches exactly what the foreign worker will do — BKPM/Kemnaker audits this. Education and relevant work experience must match position requirements.
Local institution: Kemnaker (Kementerian Ketenagakerjaan) (Ministry of Manpower)
Time: 2–4 weeks · Cost: USD 300–500 per dependent for KITAS application and processing fees. Agent fees: USD 200–500 additional.
Risk if missed: Dependants overstaying on tourist visa: fines USD 20/day. Dependants cannot enrol in Indonesian public schools without legal residence status.
Where to go: Kantor Imigrasi nearest to your residential address
Documents needed:
- ✓ Principal holder's KITAS (copy)
- ✓ Marriage certificate (apostilled + Indonesian translation)
- ✓ Children's birth certificates (apostilled + Indonesian translation)
- ✓ Passport photos
- ✓ Proof of family relationship
- ✓ Sponsor letter from principal holder's employer/sponsor
Tip: Apply for dependent KITAS as soon as your own KITAS is approved — the dependent application requires the principal KITAS number. Use the same immigration agent as your principal KITAS if possible — they already have your sponsor's documentation and can process the family KITAS concurrently. Children under 12 months of age born in Indonesia to KITAS-holding parents: register the birth with the local civil registry (Dukcapil) within 60 days to receive an Indonesian birth certificate.
Local institution: Kantor Imigrasi / Ditjen Imigrasi (Immigration Office)
Full task details are available in the Premium plan
Become a Supporter Time: Application to enrolment: 2–6 weeks. Waiting lists: 1–6 months at popular schools. · Cost: Registration: USD 500–3,000. Tuition: USD 10,000–35,000/year. Uniforms, activities, transport: additional.
Where to go: Directly to chosen international school admissions office
Documents needed:
- ✓ Dependent KITAS
- ✓ Passport
- ✓ Previous school records (translated to English or Indonesian)
- ✓ Immunisation certificate
- ✓ Application and enrolment forms
Tip: Apply to international schools 6–12 months in advance — popular schools in Jakarta and Bali have long waiting lists. Green School Bali is internationally recognised for its eco-education model and attracts families from around the world. Many multinational employers in Indonesia include international school fees as part of the expat compensation package — confirm this with your HR before arriving. National Plus schools (bilingual, Indonesian + English) offer a middle ground at lower cost (IDR 30,000,000–100,000,000/year) and are an excellent option for children staying 2+ years.
Local institution: JISB / BIS / Bali International School / BAIS (International School)
Time: 1–3 days for verification · Cost: Wise fee: 0.3–1% of transfer amount. Far cheaper than bank SWIFT transfers (Rp50,000–150,000 flat + poor rate)
Where to go: wise.com or instarem.com — online setup
Documents needed:
- ✓ Passport for identity verification
Tip: Wise can receive money in USD, EUR, GBP via dedicated account details — useful for remote workers receiving foreign payments. Instarem has competitive IDR rates for ASEAN transfers. Both apps available in Indonesia.
Full task details are available in the Premium plan
Become a Supporter Time: 1–4 weeks to open offshore account · Cost: Varies by institution. IB: low fees. Private banking: minimum balance requirements
Risk if missed: Years in Indonesia with no home country pension contributions = significant retirement income gap
Where to go: Interactive Brokers Singapore (ibkr.com.sg), DBS Treasures Private Client, OCBC Singapore, home country pension provider
Documents needed:
- ✓ Passport
- ✓ Foreign bank/brokerage account (existing or to open)
- ✓ Tax residency declaration (important: confirm with home country whether you remain tax resident)
Tip: Report offshore accounts in Indonesian SPT Tahunan if you are a tax resident in Indonesia. Declare existence of foreign accounts — Indonesia participates in AEOI/CRS data exchange. E33G visa holders: confirm tax residency status with tax advisor in both Indonesia and home country.
Full task details are available in the Premium plan
Become a Supporter Time: 5–10 business days from application · Cost: Free — you receive your accumulated balance
Where to go: BPJS Ketenagakerjaan office or BPJSTKu online portal
Documents needed:
- ✓ BPJS Ketenagakerjaan membership card
- ✓ Passport
- ✓ KITAS cancellation certificate
- ✓ Indonesian bank account details
- ✓ Resignation letter or employment termination letter
Tip: JHT balance visible in BPJSTKu app. Submit JHT withdrawal claim within 60 days of KITAS cancellation. The balance earns approximately BI rate-linked returns — may accumulate significantly over years. Indonesian income tax: JHT withdrawal is not taxable income.
Time: 30 minutes · Cost: Free (print and laminate or use phone case slot)
Tip: Key numbers for Jakarta: RSCM Emergency 021-500135; Pondok Indah Emergency 021-7657525; Siloam Kebon Jeruk 021-25600888. Bali: BIMC Emergency 0361-761263. Save all in your phone under ICE (In Case of Emergency).
Time: 1 day · Cost: Gallon water: Rp8,000–15,000 per 19L gallon. Water filter system: Rp1,500,000–4,000,000 one-time
Where to go: Local Aqua galon refill depot (order via GoJek GoMart or neighbourhood delivery), or electronics stores for filters
Tip: Gallon water from Aqua or Le Minerale is safe and cheap. Set up weekly delivery with neighbourhood depot. For cooking: filtered gallon water is fine for boiling pasta, rice, etc. Brushing teeth: can use tap water in most Jakarta/Bali residences. Rural areas: use gallon water for everything.
Time: 1–2 hours setup · Cost: Repellent spray: Rp25,000–60,000. Electric repellent: Rp30,000–60,000/month refill
Where to go: Indomaret, Alfamart, hardware stores (toko bangunan) for screens
Tip: Dengue has no vaccine for most adults (Dengvaxia only for previously infected). If you develop sudden high fever (39–40°C), headache behind eyes, joint/muscle pain, and rash after 2–14 days — seek medical attention immediately and ask for dengue NS1 blood test. DEET 30%+ is the most effective repellent.
Time: 15 minutes · Cost: Free to download. Video consultation: Rp75,000–150,000
Where to go: Download from Google Play or App Store
Documents needed:
- ✓ Indonesian mobile number
Tip: Halodoc accepts international credit cards and GoPay payment. Many Halodoc doctors speak English. Request English-speaking doctor filter in app. Great for common issues: fever, UTI, skin conditions, respiratory infections.
Time: Qdenga: 2 doses 3 months apart. Typhoid: single injection · Cost: Qdenga: Rp500,000–800,000 per dose (2 doses total). Typhoid: Rp250,000–400,000
Where to go: Private vaccination clinics (Siloam, Pondok Indah, ProVita), international travel clinics, or BIMC (Bali)
Tip: Also ensure: Hepatitis A and B, Japanese Encephalitis (if visiting rural areas), and routine vaccinations are up to date before/on arrival. Indonesia does not require vaccinations for entry (except Yellow Fever from endemic countries).
Full task details are available in the Premium plan
Become a Supporter Time: 1–2 days · Cost: Class I: Rp150,000/month per person. Difference from Class III: Rp115,000/month extra
Where to go: BPJS Kesehatan office or Mobile JKN app
Documents needed:
- ✓ BPJS Kesehatan card
- ✓ Passport
- ✓ KITAS
Tip: Even Class I BPJS rooms at top BPJS hospitals are shared (2-3 beds). For truly private rooms: supplement with private international insurance (Pacific Cross, Cigna). BPJS Class I is most useful at national referral hospitals (RSCM, RS Fatmawati).
Local institution: BPJS Kesehatan
Time: 1 day · Cost: Rp1,500,000–6,000,000 one-time. Replacement filter: Rp300,000–800,000 every 6–12 months
Where to go: Electronic stores (Samsung, Xiaomi, Blueair purifiers) or through Tokopedia/Shopee
Tip: Download AirVisual app or check IQAir.com/id for real-time Jakarta air quality. On red (Unhealthy) days: avoid outdoor exercise, wear N95 mask outdoors. Bali air quality generally better than Jakarta, especially in dry season.
Time: 10 minutes to top up once set up · Cost: Token top-up: Rp50,000–500,000 depending on usage. Avg 2-bed apartment: Rp300,000–700,000/month
Where to go: Indomaret, Alfamart, bank ATM, GoJek GoTagihan, or myBCA for prepaid token purchase
Documents needed:
- ✓ PLN customer ID number (from landlord or electricity meter)
Tip: Save your PLN customer ID number in your phone. Set up GoJek GoTagihan for instant token purchase without visiting a store. In prepaid system: meter will beep when credit is low — top up immediately. Power cuts (pemadaman) planned schedule at pln.co.id
Local institution: PLN (Perusahaan Listrik Negara) (National Electricity Company)
Full task details are available in the Premium plan
Become a Supporter Time: 2–4 months from property selection to certificate issuance · Cost: BPHTB: 5% of purchase price. Notary fee: ~1% of purchase price. BPN registration: 0.1% of value + Rp25,000. Legal counsel: Rp5,000,000–30,000,000
Risk if missed: Informal or nominee property ownership is legally risky — can result in complete loss of investment
Where to go: Licensed Notaris PPAT in the district where property is located + BPN office
Documents needed:
- ✓ KITAS or KITAP
- ✓ Passport
- ✓ NPWP
- ✓ Property SHM certificate (from seller)
- ✓ BPN due diligence results
- ✓ BPHTB payment receipt
- ✓ Notarial AJB deed
Tip: Engage an independent property lawyer (not the seller's agent) for due diligence. Verify SHM at BPN before signing any agreement. In Bali: many villa "investments" are informal leasehold arrangements — not Hak Pakai. Annual PBB property tax due by 31 August.
Local institution: Notaris PPAT / BPN (Land Deed Official Notary / National Land Agency)
Time: 4–8 weeks · Cost: Rp3,000,000–5,000,000 processing fees + immigration agent fees Rp3,000,000–8,000,000
Deadline: Apply within the final renewal of your 5th year KITAS
Risk if missed: Must continue annual KITAS renewals — more expensive and more restricted than KITAP
Where to go: Local Kantor Imigrasi
Documents needed:
- ✓ 5 years of consecutive KITAS history
- ✓ Valid passport
- ✓ SKCK (police clearance)
- ✓ Sponsor letter
- ✓ Indonesian language evidence (UKBI certificate or immigration interview)
- ✓ Community integration evidence (RT/RW participation records)
- ✓ Photos
Tip: Start learning Bahasa Indonesia from arrival — KITAP requires demonstrable language ability. Document your gotong royong participation and neighbourhood activities as evidence of social integration. Use an immigration agent experienced in KITAP — the process is more complex than KITAS renewal.
Local institution: Kantor Imigrasi (Immigration Office)
Full task details are available in the Premium plan
Become a Supporter Time: 7–14 business days · Cost: USD 1,000 visa fee + agent fees USD 500–1,500
Risk if missed: Using tourist visa or VOA for long-term remote work: immigration violation risk
Where to go: imigrasi.go.id or authorised agent (Emerhub, Indonesian Expat)
Documents needed:
- ✓ Passport (36+ months remaining)
- ✓ Proof of income (USD 2,000+/month — bank statements, employer letter)
- ✓ Employment/client contract with foreign company
- ✓ International health insurance certificate
- ✓ IDR 2 billion bank deposit in Indonesian bank OR Hak Pakai property ownership
Tip: The IDR 2 billion bank deposit requirement can be met by depositing USD 130,000 equivalent in a Mandiri or BCA account — the deposit earns interest. This visa does not permit working for Indonesian companies. Bali digital nomad community large in Canggu — very suitable for community connection.
Local institution: Kantor Imigrasi / Ditjen Imigrasi (Immigration Office / Directorate General of Immigration)
Full task details are available in the Premium plan
Become a Supporter Time: 4–8 weeks · Cost: USD 1,500–3,000 in processing and agent fees. Annual renewal required.
Risk if missed: Living in Indonesia on tourist visa or VOA: strictly limited to 60 days. Retirement KITAS enables year-round legal residency.
Where to go: Kantor Imigrasi or licensed immigration agent (specialist retirement visa agents in Bali)
Documents needed:
- ✓ Passport (6+ months)
- ✓ Proof of pension/passive income (USD 2,000+/month for 12 months)
- ✓ International health insurance
- ✓ Police clearance from home country (apostilled)
- ✓ Indonesian sponsor (agent can serve)
- ✓ Medical certificate
Tip: Bali Retirement KITAS agents highly experienced (Bali Legal & Immigration Consultants). USD 2,000/month passive income verified via bank statements and signed declaration. "Passive income" includes pension, rental income, dividends, and investment returns — does not include employment salary.
Local institution: Kantor Imigrasi (Immigration Office)
Full task details are available in the Premium plan
Become a Supporter Time: 1–2 weeks from application to activation · Cost: Rp10,000,000–36,000,000/year per person for comprehensive international plan
Risk if missed: Medical emergency or evacuation costs without insurance: USD 30,000–200,000. Can be financially devastating.
Where to go: Pacific Cross (pacificcross.com), AXA Mandiri, Cigna Indonesia, Prudential Indonesia, or international broker Pacific Prime
Documents needed:
- ✓ Passport
- ✓ KITAS
- ✓ Medical history (pre-existing condition declaration)
Tip: Verify plan includes: medical evacuation (minimum USD 500,000 coverage), repatriation, emergency dental, no Indonesia exclusion clause, and direct billing at major private hospitals (Pondok Indah, Siloam, BIMC). Purchase before arriving — pre-existing conditions excluded after arrival.
Full task details are available in the Premium plan
Become a Supporter Time: 1–3 days · Cost: All Risk: 1.5–3.5% of vehicle value/year. Toyota Avanza Rp250M: approximately Rp4,000,000–8,750,000/year
Risk if missed: Vehicle theft (common in Indonesia), flood damage (Jakarta banjir), or traffic accident: full repair cost from own pocket
Where to go: Garda Oto (gardaoto.com), Sinas (sinarmasinsurance.com), or insurance broker
Documents needed:
- ✓ Vehicle STNK and BPKB copies
- ✓ Driving licence (SIM A/C)
- ✓ Passport and KITAS
Tip: Banjir (Jakarta flooding) risk: ensure flood damage is included in comprehensive policy. Some policies exclude damage from "natural disaster" — verify flood coverage specifically. Bali motorcycle theft is common — TLO (Total Loss Only) minimum for motorcycles.
Full task details are available in the Premium plan
Become a Supporter Time: 1–3 days · Cost: Rp500,000–3,000,000/year depending on coverage value and items insured
Where to go: ACA (Asuransi Central Asia), Sinarmas Insurance, MSIG Indonesia, AXA Mandiri
Documents needed:
- ✓ Rental agreement
- ✓ Inventory list of insured items with values
- ✓ Passport and KITAS
Tip: Specify high-value items (laptops, cameras, watches, jewellery) individually on policy schedule. Check whether flood damage from banjir is included. Most policies require all locks and window screens to be functional for theft claims.
Time: 3–6 months to A2 level (2–4 hours/week) · Cost: BIPA government: Rp1,000,000–3,000,000 per level. Italki private tutor: Rp50,000–150,000/hour
Where to go: Balai Bahasa government centre (find at badanbahasa.kemdikbud.go.id), private language schools, or Italki.com for online tutors
Documents needed:
- ✓ Passport for enrollment at formal institutions
Tip: Indonesian is one of the easiest languages for English speakers — no tones, no gender, Roman alphabet. Start with Duolingo free before formal class. Use Tandem app for free practice with Indonesian conversation partners.
Local institution: Balai Bahasa / BIPA Programme (Government Language Development Centre)
Full task details are available in the Premium plan
Become a Supporter Time: 4–8 weeks for full setup · Cost: USD 3,000–10,000 professional fees (Notaris + legal + OSS). Plus minimum capital IDR 10 billion (committed investment plan).
Risk if missed: Operating without PT PMA when serving Indonesian clients is illegal — risk of fines, deportation, and business closure
Where to go: OSS portal (oss.go.id) + licensed Notaris PPAT + BKPM consultation
Documents needed:
- ✓ Passport
- ✓ KITAS
- ✓ Notarial Deed of Establishment (from licensed Notaris PPAT)
- ✓ Shareholder and director information
- ✓ Domicile address documentation
- ✓ Business plan and KBLI business classification
- ✓ Minimum capital deposit proof
Tip: Use established incorporation firms (Emerhub, Cekindo, Tricor Indonesia) for PT PMA setup — the regulatory requirements are complex. Ensure KBLI (business activity code) correctly matches your actual business activity — BKPM audits this. PT PMA enables you to sponsor your own KITAS.
Local institution: BKPM / OSS (Sistem OSS) (Investment Coordinating Board / Online Single Submission)
Full task details are available in the Premium plan
Become a Supporter Time: 1–4 weeks to find and onboard · Cost: Live-in pembantu: Rp1,500,000–3,500,000/month. BPJS Kesehatan: Rp35,000–150,000/month. THR: 1 month salary before Lebaran
Risk if missed: Informal arrangements can lead to disputes, stolen property liability, or labour claims without formal documentation
Where to go: Find via word of mouth (expat groups), domestic worker placement agencies, or Indonesian expat Facebook groups
Documents needed:
- ✓ Employment agreement (in Indonesian and English)
- ✓ KTP (domestic worker's ID card copy)
- ✓ NPWP if applicable
- ✓ BPJS Kesehatan enrollment for worker
Tip: THR (Tunjangan Hari Raya — holiday bonus) is legally mandatory for domestic workers — 1 month salary paid 7 days before Eid al-Fitr. Give Rp200,000–500,000 as lebaran gift for transportation home. Reference checks from previous employers important — ask to speak with previous employer directly.
Full task details are available in the Premium plan
Become a Supporter Time: 1–2 weeks from consultation to execution · Cost: Rp2,000,000–8,000,000 notary fee depending on estate complexity
Risk if missed: Intestate succession in Indonesia is slow (1–3 years), expensive, and for Hak Pakai property, heirs must transfer within 1 year or property reverts to state
Where to go: Licensed Notaris registered with INI (Ikatan Notaris Indonesia)
Documents needed:
- ✓ Passport
- ✓ KITAS
- ✓ List of Indonesian assets (property certificate, bank account details)
- ✓ Beneficiary details and identification documents
- ✓ Power of attorney for executor
Tip: Ensure Indonesian will is compatible with home country will — an international estate planning lawyer can advise on conflicts. Register will with DKWN (Notarial Will Registry). Note Hak Pakai property: foreign beneficiary must have KITAS/KITAP to inherit — plan accordingly.
Local institution: Notaris PPAT (Licensed Indonesian Notary and Land Deed Official)
Time: 3–4 months preparation; 7 days quarantine on arrival · Cost: Total USD 1,500–4,000 per pet including airline, quarantine, and permit fees
Risk if missed: Pet refused entry and returned at owner's expense, or destroyed under Indonesian law for prohibited breeds
Where to go: Balai Karantina Pertanian at port of entry (Soekarno-Hatta or Ngurah Rai airport)
Documents needed:
- ✓ ISO microchip documentation
- ✓ Rabies vaccination certificate
- ✓ Rabies titre test (if required)
- ✓ Health certificate from accredited vet (within 7–14 days of travel)
- ✓ Import recommendation from Kementan
- ✓ IATA-compliant carrier
Tip: Use a professional pet relocation company (Happy Tails Travel, Air Animal) to manage the process. Bali has additional provincial dog importation restrictions. Cats are significantly easier to import than dogs.
Local institution: Balai Karantina Pertanian (Agricultural Quarantine Agency)
Full task details are available in the Premium plan
Become a Supporter Time: 4–8 weeks for full analysis and planning · Cost: Rp5,000,000–30,000,000 for comprehensive tax planning engagement
Risk if missed: Double taxation on income; non-compliance with Indonesian SPT Tahunan; underpayment penalties
Where to go: Indonesian certified tax consultant (konsultan pajak — IKPI registered) with international tax expertise
Documents needed:
- ✓ NPWP
- ✓ Passport
- ✓ Income documentation
- ✓ Home country tax residency certificate
- ✓ Employment or client contracts
Tip: Key question: are you Indonesian tax resident (183+ days in Indonesia per year)? If yes: worldwide income may be taxable unless treaty exempt. E33G/Second Home Visa holders working for foreign companies: specifically carved out from Indonesian income tax on foreign income — but must still file SPT Tahunan.
Time: 15 minutes · Cost: Card: Rp25,000–50,000 (includes initial load). Top-up: any amount at Indomaret or via banking apps. Toll rate per trip: Rp7,000–15,000
Where to go: Indomaret, Alfamart, BCA branch, Mandiri branch, or petrol station convenience stores
Documents needed:
- ✓ No documents required — purchase at Indomaret/Alfamart/bank branches
Tip: Keep minimum Rp50,000 on card at all times — running out at a toll gate causes delays and minor fines. Top-up via GoJek GoTagihan or banking apps without visiting a store. BCA Flazz can be topped up via myBCA app using NFC.
Local institution: Indomaret / BCA / Mandiri
Time: 1–3 days · Cost: BBNKB (first transfer): 12.5% of vehicle value. Annual STNK renewal: ~2% vehicle value + administrative fees
Where to go: Samsat office in your district (kabupaten/kota)
Documents needed:
- ✓ Passport
- ✓ KITAS
- ✓ Previous owner's BPKB and STNK (original)
- ✓ AJB/sale agreement
- ✓ Samsat application forms
Tip: Some expats in Bali use nominee (Indonesian national's name) for vehicle registration — legally risky. Better to use your KITAS directly. Annual STNK renewal now available at mini-Samsat outlets in some malls and via e-Samsat online system.
Local institution: Samsat (Sistem Administrasi Manunggal Satu Atap — integrated vehicle registration office)
Time: 5 minutes · Cost: Flag fall Rp8,000–10,000 + Rp4,000–5,000/km. Airport from SCBD: approx Rp130,000–200,000
Tip: Bluebird Blue Bird taxis are GREEN in colour (not blue — despite the name). Download Bluebird app for fixed-price airport booking. Bluebird drivers speak basic English. For hospital transfers: Bluebird most reliable option.