Hi Jamee,
There were many parts to your questions so I'll try to do my best to address them, but let me know if I had missed anything.
First, the matching of SNPs in the user's input GWAS sumstat to the reference panel that FUMA uses depends on which information exists in the user's input GWAS sumstat (whether or not effect allele and/or non effect allele are specified). These decisions were made by the original FUMA developer. But based on your information, I am assuming that you submitted to FUMA a file that has rsID, effect allele, and non effect allele.
In the first step of processing the user's input GWAS sumstat, in this case (where rsID, effect allele, and non effect allele are present), what FUMA does is that it uses dbSNP version 146 to look up chromosome, position using the rsID. Because the effect allele and non effect allele are present in your file, FUMA checks if these alleles match regardless of effect allele or non effect allele.
As an example, this is information in dbSNP v146 on FUMA:
1 15274 rs62636497 A G,T
The code was written such that only the first one would be considered. So when I submitted to SNP2GENE a file like this (toy example)
REF ALT rsID P
A G rs62636497 5e-10
A T rs62636497 5e-10
The first line
A G rs2758118 would be considered, and the second line is not. Then, it checks that A matches with the reference and G is one of the alleles in the alternate options. So it will save the variant with the effect allele and non effect allele as in the input gwas sumstat. At the end of the processing, this is the variant that is kept:
chr bp non_effect_allele effect_allele rsID p
1 15274 A G rs62636497 5e-10
For your specific example of rs2758118,this rsID does not exist in dbSNP v146 that is stored on FUMA, so in this specific example this variant would not be considered.
So if your indels match with the reference panel, then it will be kept. Whether or not they are informative to your specific analyses, I cannot answer that.
For information on citation, please check the homepage of FUMA:

Best,
Tanya