Indonesia Implements Fivefold Increase in Hajj Insurance Premium for 2026

Enhanced Coverage Amid Rising Medical Costs

The Indonesian government has significantly increased the Hajj pilgrimage insurance premium from 20 riyals to 100 riyals (approximately Rp450,000) for the 2026 season ¹

. This fivefold increase is part of the overall Hajj pilgrimage cost structure and is designed to provide comprehensive coverage for Indonesian pilgrims traveling to Saudi Arabia.

Comprehensive Insurance Coverage Details

The insurance package includes two primary components:

1. Life insurance providing death benefits for pilgrims who pass away during the Hajj pilgrimage
2. Medical insurance covering healthcare costs in Saudi Arabia

The insurance coverage is mandatory for all pilgrims and is included in the Cost of Hajj Pilgrimage (BPIH) that each pilgrim pays. The coverage begins from departure from Indonesia, continues throughout their stay in Saudi Arabia, and remains in effect until their return to Indonesia.

Government Rationale and Additional Protections

Ramadhan Harisman, Special Staff for Management and Transformation of Public Services at the Ministry of Hajj and Umrah, explained that the increased premium is necessary to cover rising medical inflation, which is a global phenomenon affecting insurance costs worldwide. In Indonesia, medical inflation has reached 17% this year and is expected to remain high in the coming years.

To address potential gaps in coverage, particularly for medical treatment that continues after returning to Indonesia, the government emphasizes the importance of pilgrims being active participants in the National Health Insurance (JKN) program administered by BPJS Kesehatan. This ensures that any ongoing medical needs following their return from Hajj are covered under Indonesia's national healthcare system.

Financial Context and Efficiency Measures

Despite the significant increase in insurance premiums, the overall BPIH has actually decreased to an average of Rp87.4 million for the 2026 season. This reduction is attributed to various efficiency measures implemented by the government, including optimizing the use of aircraft for returning pilgrims.

Implications for Pilgrims and Future Considerations

While the increased premium represents a significant additional cost for pilgrims, it provides comprehensive protection against potentially much larger medical and other expenses during their religious journey. The government emphasizes that this coverage helps mitigate financial risks associated with performing Hajj, particularly in the context of rising global healthcare costs.