Bali Travel Insurance

Requirements & Best Plans 2026

Quick answer

Travel insurance for Bali should cover medical expenses (minimum USD 100,000), medical evacuation, COVID-19 treatment, adventure activities (surfing, diving, motorbike riding), trip cancellation, and personal belongings theft. Indonesia requires proof of travel insurance for certain visa types. Popular providers include SafetyWing, World Nomads, Allianz, and AXA. Bali Immigration can recommend the best policy…

USD 100,000
USD 1,000-5,000
USD 50,000-150,000

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Why it matters

Why Travel Insurance Is Essential for Bali

Bali presents unique risks that make travel insurance not just recommended but essential. Medical costs at international-standard hospitals like BIMC and Siloam can reach USD 1,000-5,000 per day for serious conditions. A medical evacuation to Singapore or Australia — the nearest countries with advanced trauma care — costs USD 50,000-150,000. Without insurance, these costs come directly from your personal funds.

Beyond medical emergencies, Bali visitors face risks including motorbike accidents (the number one cause of tourist injuries), surfing and diving injuries, dengue fever and tropical illnesses, petty theft of electronics and valuables, natural disasters including volcanic eruptions (Mount Agung is still active), and flight disruptions during peak seasons. A comprehensive insurance policy protects you from all these scenarios for as little as USD 5-15 per day.

Requirements

Minimum Coverage Requirements

Medical Coverage — USD 100,000+ — Covers hospitalization, emergency room visits, doctor consultations, prescription medications, and ambulance services. Ensure your policy covers tropical diseases including dengue and malaria.
Medical Evacuation — USD 300,000+ — Covers emergency air ambulance to nearest adequate medical facility. Critical for Bali as advanced neurosurgery and cardiac care may require evacuation to Singapore.
Adventure Activities — Standard policies often exclude motorbike riding, surfing, diving, and hiking. Ensure your policy specifically covers these activities as they are core Bali experiences.
Personal Belongings — USD 2,000+ — Covers theft, loss, or damage to electronics, cameras, luggage, and personal items. Important in Bali where petty theft targeting tourists does occur.

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Guide

Best Travel Insurance Providers for Bali

We help you choose the right coverage based on your visa type and planned activities.

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For Digital Nomads and Long-Term Stays — SafetyWing Nomad Insurance is the top choice for digital nomads and long-term Bali residents. At approximately USD 45 per month, it provides ongoing coverage without fixed end dates, covers you in 185 countries including Indonesia, includes COVID-19 coverage as an illness, covers motorbike riding (under 50cc), and allows you to purchase while already abroad. The main limitation is the USD 250 deductible per incident and the exclusion of high-risk adventure sports.
For Short-Term Tourists — World Nomads is ideal for adventure travelers visiting Bali for 1-4 weeks. Their Explorer plan covers surfing, diving up to 40 meters, white water rafting, and motorbike riding. Allianz Global Assistance offers competitive rates with 24/7 multilingual support and direct billing at major Bali hospitals. AXA Travel Insurance provides excellent value with comprehensive coverage including trip cancellation and travel delay benefits.

The B211A social visa and digital nomad visa (E33G) both require proof of health insurance with minimum coverage of USD 25,000.

Requirements

Insurance Requirements by Visa Type

Different Indonesian visa types have varying insurance requirements. The B211A social visa and digital nomad visa (E33G) both require proof of health insurance with minimum coverage of USD 25,000. The Visa on Arrival does not technically require insurance, but it is strongly recommended. For KITAS and KITAP holders, Indonesian health insurance (BPJS) is mandatory — this is separate from travel insurance and covers basic healthcare at government hospitals.

When applying for visa extensions, immigration officers may ask for proof of valid insurance coverage. Having a policy that covers your entire intended stay demonstrates financial responsibility and can support your application. We recommend purchasing insurance before your visa application to include it in your documentation package.

If you need an ambulance, call 118 (government) or 0361-710505 (BIMC Hospital Kuta).

Guide

What to Do in a Medical Emergency

In a medical emergency in Bali, call your insurance provider emergency line immediately (save the number in your phone before you need it). If you need an ambulance, call 118 (government) or 0361-710505 (BIMC Hospital Kuta). Go to BIMC Hospital, Siloam Hospital, or Kasih Ibu Hospital for international-standard care. Present your insurance card or policy number at admission. Most international hospitals in Bali have experience with direct billing to major insurance providers, meaning you may not need to pay upfront for treatment.

In depth

More about Bali Travel Insurance

Comprehensive Travel Insurance for Bali Visitors

Travel insurance is an essential component of any trip to Bali, Indonesia. Whether you are visiting for a short holiday, an extended stay, or relocating for business purposes, having proper travel insurance coverage ensures peace of mind throughout your journey. At Bali Immigration, we help clients understand and select the most appropriate travel insurance policies that comply with Indonesian regulations while providing comprehensive protection.

Why Travel Insurance Matters in Indonesia — Indonesia, including Bali, has specific requirements and recommendations regarding travel insurance for foreign visitors. Since January 2024, the Indonesian government has been strengthening requirements for visitors to carry adequate health and travel insurance. This is particularly important given that medical costs in Bali can be substantial for foreigners, especially for emergency evacuations or treatment at international-standard hospitals. Without proper insurance, a single medical emergency could result in bills exceeding $50,000 USD, potentially devastating your finances and travel plans.
Types of Travel Insurance Coverage — When selecting travel insurance for your Bali trip or stay, consider these essential coverage categories: Medical Coverage should include hospitalization, outpatient treatment, emergency dental care, and medical evacuation. We recommend minimum coverage of $100,000 USD for medical expenses. Trip Cancellation and Interruption protects your financial investment if you need to cancel or cut short your trip due to covered reasons such as illness, natural disasters, or family emergencies. Baggage and Personal Belongings coverage protects against lost, stolen, or damaged luggage and personal items during your travels. Adventure Sports Coverage is particularly relevant for Bali visitors who plan to surf, dive, trek volcanoes, or participate in other adventure activities that standard policies may exclude.
Insurance for Long-Term Visa Holders — If you are applying for a KITAS (Temporary Stay Permit) or KITAP (Permanent Stay Permit), insurance requirements differ from standard travel insurance. Long-term residents typically need comprehensive health insurance that covers the duration of their stay permit. Many KITAS sponsors and visa agents now require proof of valid health insurance as part of the application process. Bali Immigration assists clients in sourcing policies that meet both immigration requirements and personal coverage needs, ensuring seamless visa processing.
Recommended Insurance Providers for Bali — We work with a network of reputable international and local insurance providers who understand the unique needs of expatriates and travelers in Indonesia. International providers such as Allianz, AXA, and Cigna offer comprehensive global coverage with networks of partner hospitals in Bali. Local providers including Mandiri Inhealth and Prudential Indonesia offer competitive rates with extensive coverage throughout the Indonesian archipelago. Our team evaluates your specific situation—duration of stay, activities planned, pre-existing conditions, and budget—to recommend the most suitable options.
Claims Process and Emergency Assistance — Understanding the claims process before you need it is crucial. Most reputable insurers offer 24/7 emergency assistance hotlines with multilingual support. In Bali, the primary international-standard hospitals include BIMC Hospital in Kuta and Nusa Dua, Siloam Hospital, and Kasih Ibu Hospital. We advise all clients to keep digital copies of their insurance policy, emergency contact numbers, and hospital pre-authorization information readily accessible on their mobile devices. Bali Immigration provides guidance on navigating the claims process and can assist with documentation if needed during your stay.

Does travel insurance cover motorbike accidents in Bali?

Many standard policies exclude motorbike riding entirely. You need a policy that specifically includes motorbike/scooter coverage AND you must have a valid driving license (IDP or Indonesian SIM with motorcycle endorsement). Without a valid license, most insurers will deny your claim even if motorbike coverage is included in your policy.

Is COVID-19 covered by travel insurance?

Most modern travel insurance policies now cover COVID-19 as a standard illness. Check that your policy covers COVID-19 hospitalization, quarantine accommodation costs, and trip cancellation due to positive test results. SafetyWing, World Nomads, and Allianz all include COVID-19 coverage.

Can I buy travel insurance after arriving in Bali?

Yes, several providers allow purchase while already abroad. SafetyWing and World Nomads both allow enrollment from anywhere in the world. However, pre-existing conditions and incidents that occurred before policy purchase will not be covered. We recommend purchasing before departure for maximum coverage.

How much does travel insurance for Bali cost?

Costs range from USD 5-15 per day for short-term visitors (1-4 weeks) to USD 40-80 per month for long-term stays. Adventure coverage adds approximately 20-30% to base premiums. The exact cost depends on your age, coverage limits, deductible amount, and included activities.

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