Providers
What to know in Bali
- Travel insurance is not mandatory to enter Indonesia as of late 2025; the financial regulator (OJK) supports the idea, but no start date has been set.
- Scooter claims are often refused if the rider has no motorcycle licence valid for the engine size, no International Driving Permit, no helmet, or had been drinking.
- Private hospitals commonly require a cash deposit or a guarantee of payment from your insurer before admission; call the insurer's assistance line early.
- Foreigners working or residing in Indonesia for at least six months are required by law (Law 24/2011) to join the national BPJS Kesehatan scheme, usually through their employer.
- Many expats add an international health plan with medical evacuation, since serious cases may be transferred to Singapore or Australia.
- Car insurance in Indonesia follows OJK tariff ranges: Total Loss Only (TLO) or All Risk (comprehensive), priced as a percentage of the vehicle's value.
Indicative prices
- Travel insurance: about USD 5 to 12 per day (approx. IDR 80,000 to 200,000), depending on cover
- Uninsured private hospital stay: about USD 1,000 to 2,500 per night
- Scooter fracture with surgery, uninsured: about USD 8,000 to 15,000
- Car insurance in Bali region: All Risk about 1.1 to 3% of car value per year; TLO about 0.2 to 0.6%
- Medical evacuation to Singapore or Australia: USD 50,000 to 100,000 or more
Indicative ranges collected in 2026 from public sources. Always ask for a written quote.
How to choose
- Read the motorcycle clause: check the cc limit and whether your home licence category and an IDP are required.
- Choose a policy with direct billing or guarantee of payment at major Bali hospitals.
- Keep itemised medical reports and receipts, and file a police report within 24 hours for theft.
- For long stays, check whether travel insurance still covers you after 30, 60 or 90 days abroad.
Frequently asked questions
Is travel insurance mandatory for Bali?
No, not as of late 2025. Indonesia's financial regulator OJK said it supports making it compulsory for foreign tourists, but implementation still requires coordination with tourism and immigration authorities and no date has been set.
Does travel insurance cover scooter accidents in Bali?
Only under conditions. Most insurers require a motorcycle licence valid for the bike's engine size, an International Driving Permit, a helmet and no alcohol. Claims without these are frequently refused, leaving bills that can reach tens of thousands of dollars.
How much does a hospital cost in Bali without insurance?
Guides published in 2026 estimate USD 100 to 300 for an emergency visit, USD 1,000 to 2,500 per night in a private hospital and USD 8,000 to 15,000 for a fracture with surgery. Private hospitals usually ask for a deposit before treatment.
Do expats in Bali have to join BPJS?
Under Law 24/2011, foreigners who work or reside in Indonesia for at least six months must enrol in BPJS Kesehatan, the national health insurance. Employees are usually registered by their employer. Many expats keep a private international plan as well for wider cover and evacuation.