INDONESIA INSURANCE GUIDE • UPDATED SEPTEMBER 2026
Insurance Indonesia: Your Complete Guide to Coverage as a Foreigner
Indonesia requires no insurance for any visa — and gives foreigners no public safety net. The hub for tourists, nomads, expats, families, scooter riders, surfers and divers: what you need, the prices we can verify, and the dedicated guide for each situation.
📋 Response within 24 hours — no obligation
· Prices read on the insurers’ official pages; visa rules checked against Imigrasi
⚡ QUICK ANSWER
Which insurance do you need for Indonesia?
Tourists and nomads need a travel medical plan: SafetyWing Essential ($62.72 per 4 weeks, ages 10-39, about $2.24/day) or Genki Traveler (from €52/month, up to age 69). Expats on a KITAS need a health plan — international or local, on quote. Nothing is required by immigration for any visa, and foreigners cannot use BPJS: the bill is yours unless a policy pays it.
🧳 Tourist or backpacker (1–90 days)
Travel medical plan from $62.72 per 4 weeks — not required, essential
💻 Digital nomad (Canggu, Ubud)
Monthly travel medical plan, buy while already in Bali
🛵 Renting a scooter in Bali
Most policies exclude it — licence, IDP and helmet decide the claim
Not sure where you fit? Tell us your situation — free guidance →
📊 KEY FACTS: INSURANCE INDONESIA (2026)
Is insurance required to enter Indonesia? No — not for Visa-Free, Visa on Arrival, B211A, KITAS or KITAP (Imigrasi). And no public cover: BPJS is for citizens and KITAP holders.
How much does it cost? SafetyWing Essential $62.72 per 4 weeks (about $2.24/day), Genki from €52/month. Expat health plans: on quote.
Do policies cover scooter accidents? Most do not. SafetyWing requires a valid motorcycle licence and helmet; Genki: motor vehicle use covered with conditions — check the policy wording. Road crashes kill around 30,000 people a year in Indonesia (WHO).
What if it is serious? Bali’s international hospitals (BIMC, Siloam) stabilise; complex trauma means evacuation to Singapore, priced by aircraft, distance and medical crew — the assistance company issues the guarantee before take-off.
$62.72
per 4 weeks — SafetyWing Essential (10-39)
€52
per month — Genki Traveler, from
$0
government assistance for foreigners
Prices read on safetywing.com and genki.world, 6 September 2026 · Road deaths: WHO Global Health Observatory.
Disclosure: this page contains affiliate links (SafetyWing, Genki, DAN Europe, World Nomads). We may earn a commission if you purchase through our links, at no extra cost to you. Full disclosure.
✓ How this hub was checked
- Every price on this page is read on the insurer’s official page: SafetyWing Essential $62.72 per 4 weeks (ages 10-39), Genki Traveler from €52/month. IMG Global Medical, Cigna, Allianz, AXA and Bupa are named without a price.
- Visa rules checked on Imigrasi; BPJS eligibility on bpjs-kesehatan.go.id; hospital prices aligned with our Indonesia costs guide.
- Our own numbers come from one inbox of insurance requests — aggregates only. Written by Tommy Betts, updated 6 September 2026.
START HERE
Which Insurance Do You Need for Indonesia?
Travel insurance Indonesia starts with two questions: how long are you staying, and what will you actually do? A Bali holiday, six months in Canggu on a B211A and a KITAS job in Jakarta are three different files. Immigration asks for none of them — the hospital will.
Indonesia is an archipelago of 17,000 islands; the nearest world-class trauma centres are in Singapore, three to four hours’ flight from Bali. That geography, plus the scooter you will almost certainly rent, is why the cover matters more here than in most of Asia.
TOURISTS
Under 1 month
Bali holiday, Gili hopping, family trip, classic backpacker route. A travel medical plan: emergencies, evacuation, buy while abroad.
From: $62.72 per 4 weeks (SafetyWing Essential) or €52/month (Genki)
NOMADS
1–6 months
Canggu or Ubud on a B211A, slow travel through the archipelago. A travel medical plan renewed every 4 weeks or month; Complete if you want a health-style plan.
Cost: $62.72 per 4 weeks (Essential) · from $177.50/month (Complete) · Genki from €52/month
EXPATS
6 months and more
KITAS holders, Second Home Visa retirees, long-term remote workers. A proper health plan with direct billing at BIMC and Siloam.
Cost: on quote — age and health decide
THREE PRODUCTS
Travel vs Nomad vs Health Insurance: The Difference
Three products that people confuse. One line each, then the table.
Travel insurance — emergencies during a trip of days or weeks; may include cancellation and baggage; bought before departure.
Nomad / travel medical plan — SafetyWing and Genki: medical cover renewed every 4 weeks or month, bought while already in Bali, no cancellation cover.
Health insurance — an international or local plan for people who live here: routine care, chronic conditions after waiting periods, direct billing; on quote.
Read on the official pages, 6 September 2026.
🛵 Scooters. Most policies exclude scooter accidents in Indonesia unless you meet their conditions — a valid motorcycle licence, usually an International Driving Permit, a helmet, an engine-size limit. SafetyWing requires the licence and a helmet; Genki covers motor vehicle use with conditions in its wording. No plan promises cover without a licence. Read the scooter insurance guide before renting.
PRICES WE CAN VERIFY
Insurance Indonesia Costs at a Glance
Only the travel medical plans have a public price. Everything else is on quote, and we say so rather than invent a range.
SafetyWing and Genki read on 6 September 2026. IMG Global Medical is reviewed in our health insurance Indonesia guide.
SafetyWing Essential
$62.72 per 4 weeks (ages 10-39), $250,000 medical, $0 deductible outside the US, buy while already in Indonesia, cancel anytime, one child under 10 free per adult. Complete from $177.50/month adds routine care and the Adventure Sports cover. Not included: trip cancellation.
- ✔ Buy after arrival, 4-week cycles
- ✔ Popular in the Canggu and Ubud communities
- ⚠ Scooter: valid motorcycle licence + helmet
- ✘ No trip cancellation
Genki Traveler
From €52/month (age-based; €63.90 read for ages 30-39), €1,000,000 medical, €50 deductible (€0 in hospital), sign up to age 69, buy while already in Indonesia with a 14-day waiting period if you had no prior cover.
- ✔ Sports included, per the wording
- ✔ Guarantee of payment possible
- ⚠ Scooter: conditions in the wording
- ✘ No cancellation, no baggage
Looking for other options?
World Nomads provides travel insurance for travellers from over 100 countries. Visit their website for coverage details, pricing and policy information for Indonesia.
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.
🏥 Named without a price. IMG Global Medical (ages 65-74, medical underwriting), Cigna Global, Allianz Care, AXA Global Healthcare and Bupa Global cover expats and KITAS holders with direct billing at BIMC and Siloam; DAN Europe adds dive-accident cover (membership on the DAN site). Premiums and entry ages are on quote — write to us with your age and we send options.
BY SITUATION
Insurance by Your Profile
Pick the situation that looks like you. Each guide uses the same verified figures.
🧳
Tourist / Bali holiday
Travel medical plan, evacuation, buy while abroad — and whether Bali requires it (it does not).
Travel insurance Bali →
🎒
Backpacker / island hopping
Flexible 4-week cover for Bali, Lombok, the Gilis and Komodo.
Travel insurance Indonesia →
💻
Digital nomad (Canggu, Ubud)
Monthly plans, buy in Bali, SafetyWing vs Genki.
Digital nomad insurance →
🛵
Renting a scooter
Licence, IDP, helmet — the conditions that decide a claim in Bali.
Scooter insurance Bali →
🩺
Senior traveller (60+)
Age brackets, IMG Global Medical for 65-74, pre-existing conditions.
Seniors travel insurance →
👨👩👧
Family with kids
Children under 10 free with SafetyWing, paediatric hospitals in Bali.
Family travel insurance →
🏄
Surfer (Uluwatu, Mentawai)
Which plans name surfing and what the Adventure Sports add-on changes.
Surf travel insurance →
🤿
Diver (Komodo, Raja Ampat)
Travel plan plus DAN — hyperbaric treatment and evacuation from remote sites.
Diving insurance →
Still not sure? Tell us your situation →
THE RULES
Indonesia Visa and Insurance: What Is Actually Required
One line per visa, from Imigrasi — and one line on what the hospital requires instead.
Sources: Imigrasi (visa categories), BPJS Kesehatan (eligibility). Visa-by-visa detail in do I need travel insurance for Bali?
📌 No requirement does not mean no bill. Private hospitals ask for a deposit or a guarantee of payment before treatment, and an air ambulance does not take off until the assistance company confirms payment. The policy is what the hospital wants to see.
THE OTHER SIDE OF THE LEDGER
What a Hospital Visit Costs in Indonesia Without Insurance
Orders of magnitude for Bali’s international hospitals in 2026, from our Indonesia costs guide. The hospital sets the final bill.
GP consultation
$30–60
BIMC, Siloam
Private room
$150–500 per night
plus doctors, tests, medicines
Broken-leg surgery
$10,000–25,000
with 5 nights
Air ambulance to Singapore
$50,000–100,000
priced by aircraft, distance and crew
Government assistance
$0
none for foreigners
💳 How the hospital gets paid. BIMC and Siloam bill the insurer directly when the assistance company issues a guarantee of payment; without one they ask for a deposit or a card hold before treatment. Genki can issue the guarantee; SafetyWing works pay-and-claim for small bills and its assistance arranges a guarantee for large admissions. Your embassy does not pay medical bills.
INDEPENDENT
How We Work: Independent Guides, No Sponsored Rankings
We are an information site, not an insurer. Two travel medical plans and DAN pay us a commission when you buy through our links; health files for expats go to a broker partner. Nothing else on this site is sponsored.
🔍
We read the wording
Prices and limits are read on the official pages; where a benefit is not published, we say « per the policy wording » rather than guess.
⚖️
Weaknesses included
No cancellation on SafetyWing or Genki, scooter conditions, age limits — printed next to the strengths.
🇮🇩
Indonesia-specific
Scooter culture, Singapore evacuations, BIMC and Siloam billing — the questions our inbox actually gets.
💰
Transparent revenue
Affiliate links are marked; broker referrals are free for you. See our disclosure.
Need help choosing?
Tell us your dates, visa, age and activities. We reply within 24 hours with the plan that fits — free.
FAQ
Common Questions About Indonesia Insurance
Don’t Risk Your Indonesia Trip Without Coverage
No public safety net for foreigners, hospitals that ask for payment first, evacuations priced by aircraft. Cover starts at $62.72 per 4 weeks.
Response within 24 hours · No spam, ever
📚 Sources & Methodology
- Imigrasi Indonesia: imigrasi.go.id — visa categories (Visa-Free, VoA, B211A, KITAS, KITAP, Second Home Visa) and entry rules
- BPJS Kesehatan: bpjs-kesehatan.go.id — eligibility rules for the public health system
- WHO Global Health Observatory: road safety — around 30,000 road deaths a year in Indonesia
- Joint Commission International: accredited organizations — accredited hospitals in Indonesia
- SafetyWing: safetywing.com — Essential $62.72 per 4 weeks (10-39), Complete from $177.50/month (read 6 September 2026)
- Genki: genki.world — Traveler from €52/month, up to 69 (read 6 September 2026)
- DAN Europe: daneurope.org — membership plans (price on its site)
- Hospital prices: our healthcare cost Indonesia guide — 2026 orders of magnitude at BIMC and Siloam, not insurer figures
Disclaimer. Insurance Indonesia is an independent information site. We are not a licensed insurance broker or insurer; expat health files are referred to a broker partner. Insurance products, prices and visa rules change — verify current terms with the insurer or Imigrasi before purchasing. Some links on this page are sponsored (affiliate programmes). Last updated: 6 September 2026.