Any business owner, whether local or foreign, can receive business insurance in Indonesia. For a foreigner to receive business insurance, the foreigner must already have three types of business insurance. These are BPJS Employment, BPJS Health Insurance, and a social security program. Foreigners are advised to always refer to a trusted insurance company from their home country that issues similar policies as do insurance companies in Indonesia if they have any insurance matters which concern insurance in their home country.