Retiring in Indonesia in 2026: Retirement Visa, Costs, Healthcare and Tax

Reviewed by Florent Delente, Founder, ILA Global Consulting. Last updated: October 2026.

To retire in Indonesia you need a retirement KITAS, the E33F visa, which the current regulation opens to foreigners aged 55 or over who can show a pension or other income of at least USD 3,000 a month. It gives you a renewable one year stay permit for a government fee of IDR 7,000,000 (about USD 391), with a local sponsor. If you would rather stay up to 5 years in one go, the E33E retirement visa adds a USD 50,000 deposit in a state bank and needs no sponsor.

This guide covers who qualifies, which of the three retiree visas fits you, what the file needs, what life in Bali really costs, how healthcare works, and how your pension is taxed. A dedicated section covers French retirees, who make up a large share of the people who ask us about retiring here.

Currency note: US dollar equivalents use about IDR 17,900 to USD 1, the Bank Indonesia JISDOR level reported on 2 October 2026 (Katadata Databoks). Treat them as rough.

Retirement in Indonesia at a glance

Who can apply for a retirement visa in Indonesia?

Three conditions matter: your age, your income and your passport.

Age: 55, not 60. Many websites, including the previous version of this page, said 60. The regulation in force says otherwise. Minister of Law and Human Rights Regulation No. 11 of 2024 (Permenkumham 11/2024, which amends the 2023 visa and stay permit regulation) describes the retiree category as foreigners “lanjut usia berusia 55 (lima puluh lima) tahun atau lebih” in Articles 61, 62 and 101, meaning aged 55 or over (Permenkumham 11/2024). One point to watch: the immigration page on converting a stay permit to a permanent one (KITAP) still refers to retirees aged 60 or over (ITAS to ITAP page).

Income: USD 3,000 a month, not USD 1,500. The official E33F page asks for “bukti penghasilan atau tunjangan” (proof of income or allowance) of at least USD 3,000 per month (E33F page), and Article 61(2) of Permenkumham 11/2024 sets the same figure. Some agents still quote USD 1,500, a figure from older rules. If your file is built on USD 1,500, it will not meet the current requirement. Article 61(4) lets the Director General of Immigration change the amount, so check it again right before you apply.

Passport: valid for at least 6 months, plus a recent colour photo, a CV and a travel itinerary.

If you are under 55, the retirement route is closed to you. Look at the second home visa below, or at the remote worker visa if you still earn income from abroad. Our guide to choosing a visa to live or invest in Bali compares every long stay option.

The rules shift often enough that a file prepared from an old checklist is the most common reason we see for delays. Our retirement visa team checks your age, income documents and sponsor set up against the current requirements before anything is paid to the government.

Which visa should a retiree choose: E33F, E33E or Second Home?

Indonesia files retirement under the “second home” family of visas. You have three realistic options.

Sources: E33F, E33E and E33 pages, Directorate General of Immigration.

How to choose:

• E33F suits most retirees: lowest upfront cost, no capital locked away. The trade off is a yearly renewal and dependence on a sponsor.
• E33E makes sense if you have USD 50,000 you are happy to keep in an Indonesian state bank (Bank Mandiri, BRI, BNI or BTN) and you want 5 years without renewals or a sponsor. You still need the USD 3,000 monthly income.
• E33 Second Home fits people under 55, or those whose income is irregular but who have capital. The USD 130,000 stays in the account for the life of the permit, so check the exchange rate risk before you convert savings into rupiah or dollars at a local bank. Our second home visa page explains the deposit mechanics.

The deposit for E33E and E33 is a commitment you report to the immigration office that issued your stay permit. Missing the 90 day window, or withdrawing the funds, puts the permit at risk.

What documents does the E33F retirement KITAS need?

The sponsor files the application on the official e-visa portal (evisa.imigrasi.go.id) with scanned documents in PDF or JPEG (E33F page):

1. A sponsor guarantee letter (surat penjaminan).
2. Your passport, valid for at least 6 months.
3. Bank statements for the last 3 months, in your name or the sponsor’s, showing at least USD 2,000 or the equivalent.
4. Proof of pension or income of at least USD 3,000 a month: a pension statement, annuity contract or bank credits showing regular payments.
5. A recent colour photo (taken within the last year).
6. A CV and a travel itinerary.

Health insurance does not appear on the current official checklist, but you should treat it as essential: there is no public cover for retirees (see healthcare below), and some sponsors ask for it.

Tips from files that went wrong:

• Pension letters in French, German or Dutch slow things down. Provide an English version alongside the original.
• A pension paid quarterly or annually needs a statement from the fund showing the monthly equivalent clears USD 3,000.
• Couples should not assume one income covers both. A spouse who is also 55 or over can apply for an E33F in their own right; a younger spouse usually joins as a dependant of an ITAS holder under the E31B index (E31B page).

How the application works, step by step

Sources: E33F page. Step durations other than the decision are our typical experience, not official figures.

The ITAS (Izin Tinggal Terbatas, the limited stay permit most people call KITAS) arrives electronically. After that, you register your address with the regency civil registry to get the SKTT (Surat Keterangan Tempat Tinggal, foreigner residence certificate), which banks and the driving licence office ask for. Our SKTT service handles this, and our KITAS guide explains local registration in detail, so we do not repeat it here.

What can’t you do on a retirement KITAS?

• Work. The E33F page forbids work that does not match the permit and selling goods or services (E33F page). That includes paid consulting for Indonesian clients, running your villa rental yourself, or teaching yoga for money. Penalties include deportation.
• Overstay. Renew online before your permit expires. A late renewal leads to daily fines and possible deportation.
• Let the basis lapse. If your income falls below the threshold or your sponsor withdraws, the renewal fails. Plan the sponsor relationship as carefully as the visa.

After three consecutive years on an ITAS, retirees can apply to convert to a KITAP, the permanent stay permit (ITAS to ITAP page). See our KITAP page.

How much does it cost to retire in Bali?

Your real floor is the visa, not the cost of living: you must show USD 3,000 a month whatever you spend. Daily costs in Bali are low by European standards, but the expat areas (Canggu, Seminyak, Ubud, Sanur) cost far more than the Denpasar averages below.

Source: Numbeo, Cost of Living in Denpasar, last updated 2 October 2026. Crowd sourced averages, rounded.

Those figures add up to roughly USD 785 a month for one person renting a one bedroom flat in central Denpasar. Retirees who want a pool villa in Ubud or Sanur, imported food and wine, private health insurance and a car with driver will spend a multiple of that. Leave a margin for currency swings: if your pension is in euros, a weaker euro shrinks your budget and can also push your income below the USD 3,000 test at renewal.

Housing: foreigners cannot hold freehold land title (Hak Milik). Most retirees rent, or take a long lease. If you plan to buy or lease long term, read our property due diligence guide before you sign anything.

What healthcare options do retirees have in Indonesia?

BPJS Kesehatan, the national health scheme, is not built for retirees. Its definition of a participant covers foreigners “yang bekerja paling singkat 6 (enam) bulan di Indonesia”, meaning those who have worked in Indonesia for at least 6 months (Presidential Regulation 82/2018, Art. 1). A retiree who does not work falls outside it.

That leaves private cover:

• International health insurance with a plan that includes medical evacuation. Serious cases in Bali are often transferred to Jakarta or Singapore, and evacuation is the cost that ruins uninsured retirees.
• Age limits: many international insurers set a maximum age for new members and exclude pre-existing conditions. Take out cover before you move, while you can still choose.
• French nationals have a specific option, the CFE, covered below.

Bali has private hospitals with international patient desks in Denpasar, Kuta, Nusa Dua and Ubud, and a large public referral hospital in Denpasar. Quality is good for routine care; for complex cardiac or cancer treatment, many retirees plan to be treated abroad.

How are retirees taxed in Indonesia?

Your visa and your tax status are separate questions. You become an Indonesian resident taxpayer if you stay more than 183 days in any 12 month period, or are present in a tax year with the intention to reside (Directorate General of Taxes). Residents are taxed on worldwide income, at progressive rates:

Source: Directorate General of Taxes, UU HPP brackets.

The option to be taxed only on Indonesian income exists for resident foreigners, but it is reserved for people with certified expertise in specific positions under PMK 18/2021, which a retiree will not normally meet (Directorate General of Taxes).

What protects most retirees is the tax treaty between Indonesia and their home country, which decides which country may tax each type of pension. Our guide to Indonesia’s double taxation treaties covers the main treaties, and how to become tax resident in Bali explains NPWP registration and annual returns.

Retiring in Indonesia as a French national

France and Indonesia signed a tax treaty in Jakarta on 14 September 1979, in force since 13 March 1981 (BOFiP, BOI-INT-CVB-IDN). Its pension rules are favourable for most French retirees.

Which country taxes your French pension?

Sources: France and Indonesia tax convention, impots.gouv.fr; on AGIRC-ARRCO, Conseil d’État 27 June 2016 no. 388606 and BOI-INT-DG-20-20-50, as summarised by CMS Francis Lefebvre.

In practice, a typical French retiree whose income is CNAV plus AGIRC-ARRCO keeps paying income tax in France, through withholding by the pension funds. Indonesia cannot tax those amounts. Supplementary products such as annuities from a PER or a private employer plan need case by case review.

French withholding for non-residents: French pension funds withhold tax (retenue à la source) on pensions paid to non-residents. For 2025 income, the scale after a 10% allowance was 0% up to EUR 17,122, 12% up to EUR 49,667 and 20% above (impots.gouv.fr, fiche non-résidents, March 2026). You still file an annual return as a non-resident, and the minimum rate for non-residents is 20% up to EUR 29,579 and 30% above, unless you opt for the average rate (taux moyen), which applies only if it is lower. Opting for it is usually worth it.

Declaring your departure

1. Update your address abroad in your online tax account and tell each pension fund (impots.gouv.fr).
2. File a return for the year you leave: form 2042 for income up to the departure date, form 2042-NR for French source income afterwards.
3. From the following year, the non-resident tax office (SIP-NR) handles your file.
4. Register with the French consulate (Registre des Français établis hors de France). It is free, valid 5 years and done online (Service-Public).
5. Send your annual life certificate (certificat de vie). One certificate covers all your funds, and the “Mon certificat de vie” app accepts facial recognition. Late certificates can suspend payment (Service-Public).

Keep in mind that leaving France on paper is not enough. If you keep your main home or the centre of your economic interests in France, the treaty’s tie breaker rule (Article 4) can still make you a French resident.

Health cover: CFE and your rights in France

• No CSG or CRDS, but a health contribution instead. Once your tax residence leaves France, you stop paying CSG, CRDS and CASA. If a French scheme remains responsible for your health cover, a contribution of 3.2% on basic pensions and 4.2% on supplementary pensions is deducted (CLEISS).
• Care during stays in France: retirees with a French basic pension that reflects at least 15 years of insurance are covered during temporary stays in France, managed by the CNAREFE in Seine-et-Marne (CLEISS). A spouse who is not a pensioner is not covered.
• Care in Indonesia: the CFE. The Caisse des Français de l’Étranger offers a retiree plan (RetraitExpat Santé) with no age limit and no health questionnaire. Cover starts immediately if you join before leaving France or within three months of settling abroad; otherwise there is a waiting period of three to six months (CFE). CFE reimburses on French tariffs, so most retirees in Bali add a top up policy for private hospital costs and evacuation.

Common mistakes we see

• Applying with an outdated checklist: USD 1,500 income, or waiting until 60 when 55 is enough.
• Confusing visa and tax residence. More than 183 days a year in Indonesia makes you an Indonesian tax resident, even if all your income comes from abroad.
• Missing the 90 day deposit window on E33E or E33.
• Leaving health insurance until after the move, when age limits and exclusions bite.
• Forgetting the French side: the certificat de vie, the address change with each fund, and the departure year return.

Plan your retirement in Indonesia with ILA

A retirement move touches immigration, tax in two countries and, often, property. Our team in Bali works in French and English. Talk to our retirement visa team to check your eligibility and the right index, or contact us to review your pension and tax position before you leave.

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Frequently asked questions

What is the minimum age for the Indonesia retirement visa?

55. Permenkumham 11/2024 defines the retiree category as foreigners aged 55 or over. Some sites and agents still say 60, and the immigration page on KITAP conversion refers to 60, so confirm before you file if you are between 55 and 59.

How much income do I need to retire in Indonesia?

At least USD 3,000 a month in pension or other income for the E33F and E33E retirement visas, plus bank statements showing a USD 2,000 balance over the last 3 months for the E33F.

Is the retirement visa income still USD 1,500?

No. USD 1,500 comes from older rules. The official E33F page and Permenkumham 11/2024 both state USD 3,000 a month.

How long does the retirement KITAS last?

The E33F gives a one year stay permit, renewable online. The E33E gives up to 5 years at once, with a total of 10 years. After 3 consecutive years on an ITAS, you can apply for a KITAP.

Can I work on a retirement visa in Indonesia?

No. Paid work and selling goods or services are not allowed on the E33F or E33E. Volunteering and managing your own investments from abroad are different, but get advice if money changes hands in Indonesia.

Can I use BPJS Kesehatan as a retiree?

In principle no. The scheme covers foreigners who have worked in Indonesia for at least 6 months. Retirees need private international insurance, and French nationals can join the CFE.

Will Indonesia tax my French pension?

Not your CNAV or AGIRC-ARRCO pensions, or a public sector pension: the 1979 treaty reserves those to France. Private pensions from past employment are taxable only in Indonesia if you are resident there.

Sources

1. E33F Visa Rumah Kedua Lansia untuk 1 Tahun, Directorate General of Immigration
2. E33E Visa Rumah Kedua Lansia untuk 5 Tahun, Directorate General of Immigration
3. E33 Visa Rumah Kedua, Directorate General of Immigration
4. E31B Visa Keluarga Suami/Istri Pemegang ITAS/ITAP, Directorate General of Immigration
5. Alih Status ITAS menjadi ITAP, Directorate General of Immigration
6. Peraturan Menteri Hukum dan HAM No. 11 Tahun 2024 tentang Visa dan Izin Tinggal, peraturan.go.id
7. Peraturan Presiden No. 82 Tahun 2018 tentang Jaminan Kesehatan, BPK JDIH
8. WNA Hanya Dipajaki atas Penghasilan dari Indonesia, Kok Bisa?, Directorate General of Taxes
9. Lapisan Pajak Penghasilan Kian Progresif, Directorate General of Taxes
10. Convention fiscale entre la France et l’Indonésie, impots.gouv.fr
11. BOI-INT-CVB-IDN, Convention avec l’Indonésie, BOFiP
12. L’application des conventions fiscales aux retraites des cadres expatriés, CMS Francis Lefebvre
13. Les particularités de la fiscalité des non-résidents, fiche impots.gouv.fr, March 2026
14. Je pars vivre à l’étranger, quelles démarches dois-je accomplir ?, impots.gouv.fr
15. Consular registration in the register of French nationals established outside France, Service-Public
16. Retraité vivant à l’étranger : certificat de vie, Service-Public
17. Retraite dans un pays sans accord de sécurité sociale : couverture maladie, CLEISS
18. Offre RetraitExpat, Caisse des Français de l’Étranger
19. Cost of Living in Denpasar, Numbeo, updated 2 October 2026
20. Rupiah exchange rate strengthens to IDR 17,903 per US dollar (2 October 2026), Katadata Databoks