INDONESIA INSURANCE GUIDE • UPDATED APRIL 2026
Insurance Indonesia: Your Complete Guide to Coverage as a Foreigner
Indonesia doesn’t require travel or health insurance for any visa type. But foreigners cannot use the public health system — and one scooter accident in Bali can wipe out your entire savings. Find the right plan before you need one.
📋 Response within 24 hours — no obligation
· Prices and coverage verified directly with insurers
⚡ QUICK ANSWER
Which insurance do you need for Indonesia?
It depends on your trip type and length. Each profile needs a different kind of coverage:
🧳 Tourist or backpacker (1–90 days)?
You need travel insurance — from $1.50/day. Not legally required but essential.
💻 Digital nomad or long-term stay?
You need health insurance — from $56/month with SafetyWing or Genki.
🛵 Renting a scooter in Bali?
CRITICAL: scooter insurance — most policies EXCLUDE scooters. Genki covers 125cc without a license.
Not sure where you fit? Tell us your situation — free guidance →
📊 KEY FACTS
Insurance Indonesia in 2026: What You Need to Know
Is travel or health insurance required to enter Indonesia?
No. Indonesia does not require travel insurance for any visa category — Visa-Free, Visa on Arrival, B211A, KITAS or KITAP. There is also no insurance mandate at the border. But there is also no public healthcare safety net for foreigners.
Can foreigners use BPJS or public hospitals?
Effectively no. BPJS (Indonesia’s national health insurance) is available only to Indonesian citizens and KITAP holders. Public hospitals can technically treat foreigners but waiting times, language barriers and equipment levels make them impractical for serious cases. You will pay 100% out of pocket.
Do travel insurance policies cover scooter accidents?
Most do not. This is the #1 reason claims are denied in Bali. Standard policies either exclude motorbikes entirely, cap coverage at 50cc, or require a valid motorcycle license plus an International Driving Permit. Genki Traveler is the exception — it covers 125cc without requiring a license.
What if I need serious medical care in Indonesia?
You will likely need evacuation to Singapore. The nearest world-class trauma centers (Mount Elizabeth, Raffles Hospital) are a 3–4 hour flight from Bali. Air ambulance evacuation costs $50,000–$100,000+ without insurance. This is the single most expensive scenario travelers face.
What are the best hospitals for foreigners in Bali?
BIMC Hospital (Kuta and Nusa Dua) and Siloam Hospital are the two main internationally-accredited facilities accepting direct billing from major insurers. Kasih Ibu is excellent for families and maternity care. See our full Bali hospitals guide →
📌 TL;DR
Find the Right Guide for Your Situation
Skip the generic comparisons. Pick the situation that fits and read the dedicated guide.
🧳 Tourist or Backpacker
Trip 1–90 days. Bali, Lombok, Komodo, island hopping.
Travel Insurance Guide →💻 Digital Nomad or Expat
Stay 1+ months. Canggu, Ubud, Seminyak, Jakarta.
Health Insurance Guide →🛵 Renting a Scooter
CRITICAL: most travel policies exclude motorbikes.
Scooter Coverage Guide →🏝️ Canggu / Ubud Nomad
Bali-specific nomad coverage. SafetyWing vs Genki.
Digital Nomad Guide →
Not sure where to start? Tell us your situation — we reply within 24 hours.
✓ WHY TRUST THIS GUIDE
Independent. Indonesia-specific. No hidden agenda.
- ✓ Independent resource — not owned, sponsored or controlled by any insurance company.
- ✓ Real Bali experience — our editorial lead has been based in Canggu since 2022 and has filed real claims with Genki and SafetyWing in Indonesia.
- ✓ Prices verified directly — every premium and benefit on this site is cross-checked on the insurer’s own website. Last full review: April 2026.
- ✓ No sponsored rankings — we publish weaknesses alongside strengths and we never accept payment for placement.
THE REAL PICTURE
Why You Need Insurance for Indonesia (Even Though It’s Not Required)
Indonesia welcomed 13.9 million international visitors in 2024, and Bali alone attracted 6.3 million of them according to the Ministry of Tourism (Kemenparekraf). The country offers everything from world-class diving in Komodo and Raja Ampat to volcanic hikes in Java and the digital-nomad lifestyle of Canggu. But here’s the part most travelers don’t realize until something goes wrong:
⚠️ Critical reality: Indonesia has no public healthcare system available to foreigners. BPJS, the national health insurance, is reserved for Indonesian citizens and KITAP holders. If you are injured or get sick in Bali, Jakarta, Lombok or anywhere else as a tourist, expat or nomad, you pay 100% out of pocket — and most private hospitals require upfront payment or proof of insurance before treatment, even in emergencies.
The situation is made worse by Indonesia’s geography. The country is an archipelago of more than 17,500 islands, and serious trauma cases routinely require air evacuation to Singapore — the nearest world-class trauma center is a 3–4 hour flight away. That evacuation alone costs $50,000 to $100,000+ without coverage, and air ambulance providers will not lift off until payment or a Guarantee of Payment from your insurer is confirmed.
And then there’s the scooter problem. Almost every tourist in Bali rents a scooter — it’s the easiest way to explore, costs around 70,000 IDR/day (~$4.50), and the rental shops don’t ask for a license. But scooter accidents are the #1 cause of tourist injuries and deaths in Indonesia, and according to the World Health Organization, road traffic injuries are responsible for around 30,000 deaths per year nationwide, with motorcycles involved in the majority. A broken leg requiring surgery? $10,000–$25,000 at BIMC. Head trauma? $30,000–$50,000+. Most travel insurance policies exclude motorbikes entirely, and the few that don’t have strict requirements you probably won’t meet.
The good news? Comprehensive travel or nomad insurance covering all of this — including 125cc scooter accidents, medical evacuation to Singapore, dengue fever, surfing injuries — costs as little as $1.50 to $3 per day. That’s less than a smoothie bowl in Canggu. This guide helps you find the right coverage for your Indonesia trip, not a generic plan that won’t pay when it matters.
THE HARD TRUTH
What Happens Without Insurance in Indonesia
Every week, foreigners face medical emergencies in Bali with no coverage. These are the real costs they end up paying — and the help they don’t get from any government.
$15K
Average broken-leg surgery at BIMC, including 5 hospital nights
$60K+
Air ambulance evacuation from Bali to Singapore
$8K
Dengue fever, IV fluids, 5 nights at private hospital
$0
Government assistance available to foreigners. None. Zero.
REAL SCENARIOS
What Can Actually Happen in Indonesia
These scenarios happen every week to tourists, nomads and expats across Indonesia. We’ve handled lead requests for every single one of them.
$10K – $45K
🛵 Scooter accident in Canggu
Broken leg, surgery at BIMC, 5 nights of hospitalization. Without a valid international motorcycle license, most insurers will deny the claim. Genki Traveler is the rare exception that pays out at 125cc without one.
$3K – $8K
🦟 Dengue fever in Ubud
Hospitalization, IV fluids, daily blood platelet monitoring, 4–6 nights. Common during the rainy season (October–April). Standard travel insurance covers this — but you have to file the claim correctly.
$15K – $40K
🤿 Diving accident in Komodo
Decompression sickness, hyperbaric chamber treatment in Bali, possible evacuation. Standard travel insurance excludes scuba diving — DAN Europe is the only widely-recognized solution for serious divers in Indonesia.
$50K – $100K+
✈️ Medical evacuation to Singapore
Air ambulance, ICU transfer to Mount Elizabeth or Raffles Hospital. The only realistic option for major trauma, severe burns or complex surgeries. Without insurance, the air ambulance won’t lift off.
$2K – $10K
🏄 Surfing injury in Uluwatu
Reef cuts requiring stitches, shoulder dislocation, concussion from a wipeout on shallow reef. Some travel insurance excludes surfing as an “extreme sport” — read the fine print before paddling out.
$5K – $15K
🌋 Hiking injury on Mount Rinjani
Ankle fracture, helicopter rescue from above 3,000m altitude. Lombok hospitals can stabilize but most cases get transferred to Bali. High-altitude trekking is excluded by many policies — check before you book.
💡 The Simple Math
Travel insurance for Indonesia costs $1.50–$3 per day. A single night at BIMC Bali costs $200–$500. A scooter accident with surgery costs $10,000–$25,000. The math takes three seconds — paying upfront for coverage almost always beats the alternative.
START HERE
Which Insurance Do You Need for Indonesia?
The right insurance depends on one main question: how long are you staying — and what are you actually doing in Indonesia?
TOURISTS
Under 1 month
Bali holiday, Lombok beach week, island hopping in the Gilis, family vacation, classic backpacker route. You need travel insurance — covers medical emergencies, trip cancellation, lost baggage, basic adventure activities.
Typical cost: $1.50–$4/day
NOMADS
1–6 months
Digital nomad in Canggu or Ubud, B211A social/business visa, slow travel through the archipelago. You need nomad-style insurance — monthly billing, flexible dates, can be purchased while already abroad.
Typical cost: $56–$85/month
EXPATS
6+ months
KITAS holder, retiree on Second Home Visa, long-term remote worker. You need proper health insurance — annual policies, comprehensive medical coverage, direct billing at BIMC and Siloam.
Typical cost: $80–$250/month
🤿 DIVING IN INDONESIA?
You Need Specialized Dive Insurance
Komodo, Raja Ampat, Bunaken, Gili Islands — Indonesia is one of the world’s premier dive destinations. But hyperbaric chamber treatment for decompression sickness costs $5,000–$15,000, and standard travel insurance excludes diving entirely. DAN Europe is the gold standard — coverage from €69/year, recognized at every certified hyperbaric facility in Indonesia. See our diving insurance guide →
Not sure which category fits your trip? Tell us about it — free recommendation, no obligation.
COMPARISON
Compare Insurance Types for Indonesia
Quick overview to help you understand the three main coverage categories.
| Feature | Travel Insurance | Nomad Insurance | Health Insurance |
|---|---|---|---|
| Best for | Tourists, short trips | Digital nomads, 1–6 months | Expats, long-term stays |
| Duration | Days to weeks | Monthly (flexible) | Annual |
| Medical coverage | $50K–$250K | $250K–€1M | $500K–$5M |
| Scooter coverage | ⚠️ Varies — check policy | ⚠️ Varies (Genki = best) | ✗ Usually excluded |
| Trip cancellation | ✓ Often included | ⚠️ Some plans | ✗ Not included |
| Adventure sports | ⚠️ Varies | ✓ Usually included | ⚠️ Limited |
| Buy while abroad | ⚠️ Some providers | ✓ Yes | ⚠️ Varies |
| Typical cost | $1.50–$4/day | $56–$85/mo | $80–$250/mo |
🛵 Critical warning: scooter coverage in Bali
Most insurance policies do not cover scooter accidents in Indonesia unless you meet very specific requirements (valid motorcycle license + International Driving Permit + helmet + engine size limit). Scooter accidents are the #1 reason claims are denied in Bali. Always verify your coverage before renting. See our complete scooter coverage guide →
TOP PROVIDERS
Insurance Providers for Indonesia
We’ve personally tested or filed claims with most of the providers below in Indonesia. Here are the ones that actually work for Bali, Lombok and beyond.
Some links below are affiliate links. We may earn a commission at no extra cost to you. Learn more.
🌏 Travel & Nomad Insurance
Genki Traveler
From €52/month (~$57)
German insurer (underwritten by HanseMerkur) that has become the favorite of Bali nomads for one specific reason: it’s the only major travel insurance that covers scooters up to 125cc without requiring a motorcycle license or International Driving Permit. For 90% of Bali tourists, that’s the single most important coverage detail in this guide.
Strengths
- €1,000,000 medical limit
- 125cc scooter without license
- Adventure sports included
- Monthly subscription, cancel anytime
- Buy while already in Indonesia
Watch out for
- €50 deductible (can opt for €0)
- Max age 64 (Traveler) / 54 (Explorer)
- EUR pricing (FX rate matters)
- German support hours
SafetyWing Complete
From $56–$164/month (Complete plan recommended)
Subscription-based insurance built specifically for remote workers. The Complete plan is the one we recommend for Indonesia — it includes routine doctor visits, mental health support, maternity coverage and a higher medical limit. You can purchase it while already in Bali, and cancel any month with no penalty. Hugely popular in the Canggu and Ubud nomad communities.
Strengths
- $1.5M medical coverage
- Routine care + mental health
- Monthly subscription
- Buy while already abroad
- Trip interruption included
Watch out for
- Scooter coverage requires valid license
- Pricier than Essential plan
- Max age 74
- Pre-existing conditions limited
World Nomads
World Nomads provides travel insurance for travelers from over 100 countries. They offer coverage designed for independent and adventurous travelers visiting Indonesia. Visit their website for current coverage details, pricing, and policy information.
Get a Quote from World Nomads →
We receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is not a recommendation to buy travel insurance. Coverage details and availability vary by country of residence and destination.
🏥 Health & Expat Insurance
IMG Global
From ~$80/month (age-dependent)
International medical insurance for expats and long-term travelers in Indonesia. A solid option for the 50+ demographic and for travelers with stable pre-existing conditions, since IMG accepts new applicants up to age 74. Direct billing available at BIMC Bali and several Siloam locations.
Strengths
- Up to $8M medical coverage
- Accepts ages up to 74
- Pre-existing conditions options
- Worldwide network
Watch out for
- Annual policy (less flexible)
- Smaller direct-billing network than Cigna
- US-based — time zone gap with Asia
- Claims often by reimbursement
DAN Europe
From €69/year
Divers Alert Network is the global standard for dive-specific insurance. Covers hyperbaric chamber treatment, dive accidents, evacuation from remote dive sites — all the things standard travel insurance excludes. Essential if you’re diving Komodo, Raja Ampat, Bunaken or the Gilis. Works as a stand-alone product or as a complement to your existing travel insurance.
- Hyperbaric chamber coverage included
- 24/7 dive emergency hotline
- Worldwide coverage
- Stacks with existing travel insurance
Other premium options worth comparing
For executives, high-net-worth families and travelers needing the highest coverage limits, insurers like AXA Global Healthcare, Allianz Worldwide Care, Bupa Global and Cigna Global offer comprehensive plans (typically $200–$500/month) with extensive direct-billing networks. These are well-known global providers — for the most accurate, current information on each plan, we recommend going directly to the insurer’s official site rather than relying on third-party comparisons. We cover their fit for specific use cases in our health insurance Indonesia guide.
BY SITUATION
Insurance by Your Situation
Not every traveler needs the same plan. Pick what looks like you.
🛵 Renting a Scooter in Bali
Critical: most policies exclude scooters →🎒 Backpacker / island hopping
Flexible coverage, adventure activities →💻 Digital nomad in Canggu/Ubud
Monthly billing, cancel anytime →🤿 Diver in Komodo / Raja Ampat
Hyperbaric chamber coverage essential →🏄 Surfer in Uluwatu / Mentawai
Water sports + remote location coverage →👨👩👧 Family with kids
Comprehensive coverage, family plans →🩺 Senior traveler (60+)
Age-friendly options, pre-existing conditions →🏝️ Expat / KITAS holder
Annual health insurance plans →
Still not sure? We’ll help you find the right coverage.
IN-DEPTH GUIDES
Expert Insurance Guides for Indonesia
Detailed guides to help you make informed decisions about coverage in Indonesia.
⚠️ CRITICAL
Scooter Insurance Bali
The truth about scooter coverage. Which policies actually pay out, which deny claims. Read guide →ESSENTIAL
Do I Need Travel Insurance for Bali?
The honest answer based on real cost data, real risks and real claim experiences. Not fear-mongering. Read guide →DIVING
Scuba Diving Insurance Indonesia
Komodo, Raja Ampat, Gili Islands, Bunaken — hyperbaric chamber coverage explained. Read guide →HEALTHCARE
Best Hospitals in Bali for Foreigners
BIMC, Siloam, Kasih Ibu — costs, quality, insurance networks, and how to handle emergencies. Read guide →NOMADS
Digital Nomad Insurance Indonesia
Canggu, Ubud, Seminyak — what coverage actually fits the nomad lifestyle in Bali. Read guide →EXPATS
Health Insurance Indonesia
Long-term plans, KITAS holders, retirees — comprehensive coverage in Indonesia explained. Read guide →
SIMPLE PROCESS
How It Works
Read the Guides
Pick the guide that matches your trip. We explain everything in plain English — no insurance jargon.
Compare Options
Use our honest comparisons (with weaknesses, not just strengths) to find what fits your needs and budget.
Get Covered
Buy directly from the insurer, or message us for a personalized recommendation. No upselling.
WHY TRUST US
Our Commitment to You
🔍
Research-Based
Every guide is backed by actual policy documents, hospital network data, and direct-with-insurer verification.
⚖️
Honest Comparisons
We publish weaknesses alongside strengths for every plan. Not tied to any single insurer.
🇮🇩
Indonesia-Focused
Our editorial lead is based in Bali. We understand scooter culture, evacuation logistics, and Indonesian hospital realities.
💰
Transparent
We disclose all affiliate relationships and never accept payment for placement. See our disclosure.
FAQ
Common Questions About Indonesia Insurance
Is travel insurance required for Indonesia?
No. Indonesia does not require travel insurance for any visa category — Visa-Free, VOA, B211A, KITAS, KITAP or the Second Home Visa. But this means you have zero safety net: no public healthcare for foreigners, and most hospitals require upfront payment before treatment. Insurance is strongly recommended given the high rate of scooter accidents and remote island geography.
How much does travel insurance for Indonesia cost?
Travel insurance costs $1.50–$4 per day for short trips, or $56–$85 per month for nomad-style coverage. SafetyWing ranges from $56 to $164/month with the Complete plan recommended for Indonesia, and Genki Traveler is €52/month (~$57). These prices include medical coverage up to $250K–€1M. See our complete pricing guide.
Does insurance cover scooter accidents in Bali?
Most policies exclude scooters entirely — this is the #1 reason claims are denied in Bali. The exception is Genki Traveler, which covers scooters up to 125cc without requiring a motorcycle license. Other plans require a valid IDP (International Driving Permit) with a motorcycle endorsement. Always verify before renting. See our scooter coverage guide.
Can I buy insurance after arriving in Indonesia?
Yes — both SafetyWing and Genki allow purchases while already in Indonesia. There may be a short waiting period (typically 1–14 days depending on the provider) and trip cancellation generally won’t cover bookings made before you bought the policy. Whenever possible, arrange coverage before you fly out.
What happens if I get injured without insurance in Bali?
You pay 100% out of pocket. Indonesian private hospitals (including international ones like BIMC) require upfront payment or a credit card hold before treatment, even in emergencies. A broken leg can cost $10,000–$25,000. Serious injuries requiring evacuation to Singapore cost $50,000–$100,000+.
Do I need special insurance for diving in Indonesia?
Yes, strongly recommended. Standard travel insurance excludes scuba diving or has restrictive depth limits. Hyperbaric chamber treatment for decompression sickness costs $5,000–$15,000. DAN Europe (from €69/year) is the gold standard and covers Komodo, Raja Ampat, Bunaken and the Gilis. See our diving insurance guide.
Which hospitals in Bali accept international insurance?
The main internationally-accredited hospitals are BIMC Hospital (Kuta and Nusa Dua), Siloam Hospital, and Kasih Ibu. They handle direct billing with most international insurers. For serious trauma, evacuation to Singapore (Mount Elizabeth, Raffles) is often necessary. See our Bali hospitals guide.
Is credit card travel insurance enough for Indonesia?
Usually not. Credit card insurance typically caps at $10K–$50K (vs $100K–$1M for dedicated policies), limits trips to 15–30 days, excludes adventure activities, and almost never covers scooters. For Indonesia — with scooter risk, diving, surfing and remote islands — a dedicated policy provides much better protection. See our detailed comparison.
What’s the best travel insurance for digital nomads in Bali?
SafetyWing ($56–$164/month, with the Complete plan recommended for Indonesia) is the most popular choice in the Canggu and Ubud nomad communities — monthly subscription, cancel anytime, can be bought while abroad. Genki Traveler (€52/month) is better if you plan to ride a 125cc scooter, since it covers them without requiring a motorcycle license. See our nomad guide.
Don’t Risk Your Bali Trip Without Coverage
Indonesia has no safety net for foreigners. A scooter accident or medical emergency can cost $10,000–$50,000+ out of pocket. Coverage starts at just $1.50/day.
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📚 Sources & Methodology
Every statistic, hospital reference and price range on this site is cross-checked against original sources. Where data shifts (visa rules, premium bands, accreditations), we re-verify quarterly. Last full review: April 2026.
Official & institutional data
- Indonesia Ministry of Tourism & Creative Economy (Kemenparekraf) — 2024 international arrival figures (~13.9M visitors, 6.3M to Bali)
- Imigrasi Indonesia — visa categories (B211A, KITAS, KITAP, Second Home Visa) and current entry rules
- BPJS Kesehatan — eligibility rules for the public health system (citizens and KITAP holders)
- Joint Commission International (JCI) — current list of accredited hospitals in Indonesia
- World Health Organization — Global Health Observatory (Indonesia road safety data, motorbike fatality share)
Hospital networks referenced
- BIMC Hospital — Kuta & Nusa Dua, Bali (international standard, direct-billing partner of major insurers)
- Siloam Hospitals — nationwide network including Bali (Denpasar) and Jakarta
- Kasih Ibu Hospital — Denpasar & Saba, Bali (family medicine, maternity)
- Mount Elizabeth Hospital & Raffles Hospital — Singapore evacuation destinations
Insurance providers reviewed
- Genki (Traveler & Explorer plans) — medical limits, motorbike conditions and waiting periods verified on genki.world
- SafetyWing (Complete plan) — benefits, country eligibility and pricing verified on safetywing.com
- IMG Global (Global Medical Insurance) — plan structure, age caps and Indonesia direct billing verified on imglobal.com
- DAN Europe — dive coverage benefits verified on daneurope.org
- World Nomads — coverage details available directly on worldnomads.com
- Cigna Global, AXA Global Healthcare, Allianz Care, Bupa Global — reviewed via official product documentation
How we rank providers
Providers are ranked on Indonesia-specific coverage quality, not on commission rates. Our scoring weights direct-billing access at BIMC, Siloam and Kasih Ibu, scooter coverage terms (license requirements, engine size limits), medical evacuation limits to Singapore, age acceptance and renewal guarantees, pre-existing condition handling, and how well the geographic scope matches a typical Bali / Indonesia lifestyle. We do not accept payment for placement and we publish weaknesses alongside strengths for every plan we cover. Read the full affiliate disclosure.