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Bali Travel Insurance

A Quick Guide on Travel Insurance for Bali


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    Bali Travel Insurance

    Bali is an Indonesian province and a major tourist destination in Southeast Asia. For centuries, its mystical landscapes have mesmerized travellers. Today, Bali is one of Indonesia's main tourist hotspots, and Indians love to go there because of the deep connections it has with the sub-continent. However, travellers need to be aware of the health issues and also must know the vaccinations required before arriving at the destination. 

    Health and travel safety is crucial for any traveller. At the same time, it is important to realize the uncertainties of travelling and the various risks. Facing a medical emergency can cause a great degree of discomfort. Although tourists will find several medical clinics offering quality medical services, the expenses one may incur due to hospitalization can be high.

    Having a travel insurance plan for Bali is advisable since it would provide comprehensive coverage for emergency medical treatment and save you from financial difficulty. Also, to keep you worry-free in situations like loss of passport or trip delays, which can lead to non-medical expenses, a travel insurance for Bali will keep you financially secured.

    Thus, as you tour this amazing land, and discover its hidden beauty, prepare yourself with a Bali travel insurance plan to keep worries of unexpected events at bay. Check this summarized Bali travel guide that will give you a good idea of things to expect when you visit this wondrous destination.

    Is Travel Insurance for Bali Mandatory?

    Before we go to the fun part, let us start with the most important question - Is it mandatory to have Bali travel insurance? The recent activity of Mt. Agung, the island's resident volcano and the highest mountain caused a lot of flights to be canceled or rescheduled. This is just one example of how smartly purchased travel insurance can save you from the financial liabilities that arise from such events. Bali travel insurance is something that has saved millions of dollars for travelers who have been visiting this island over the years.

    From an expert's point of view - the answer to the travel insurance query is a resounding yes. Apart from dramatic developments like the one quoted above, travel insurance with a health clause can save you thousands of rupees if you fall sick or get injured and need treatment.

    It is not mandatory for Indians to get Bali travel insurance plan, and they also do not require a visa to stay up to 30 days. However, they must provide proofs like return tickets, valid passport and sufficient funds to cover their expenses while staying in Bali. Travel insurance for Bali is not expensive. Invest in travel insurance to ensure that your recreational budget is not spent elsewhere.

    Quick Facts About Bali



    Official Languages

    Indonesian, Balinese, Balinese Malay, English, and Mandarin


    Indonesian Rupiah

    Country calling code

    62 for Indonesia, 361 (Denpasar Bali city code)

    Modes of transportation

    Bemo (minibus), Bus, Ferry, Taxi

    Time difference

    2 Hrs and 30 Mins ahead of India

    International Airport

    Ngurah Rai International Airport

    Benefits of Travel Insurance for Bali

    If you are travelling to Bali, then travel insurance is your best financial support that will give you the confidence to manage any unexpected situation. When travelling, one should always be aware of the possibilities of delays or mishaps and should make adequate preparations.

    Opting for a travel insurance plan for Bali will help you achieve this objective. Here are some key benefits the travel cover will offer:

    • Comfort: The travel insurance plan for Bali keeps you, particularly senior citizens and students, free from the stress of travelling.
    • Saves you during Medical Emergencies: The policy covers emergency medical expenses, and helps you access immediate medical care in accidental hospitalization, including medical evacuation. 
    • Compensation in case of Mishaps: The travel insurance plan provides compensation to the nominee in case of uncertain death of the insured person. It provides coverage for mishaps like accidental death, disability, and repatriation to the home country.
    • Covers you in other Contingencies: Trip delays/ cancellations and loss of belongings and documentation will be care of under the travel plan.
    • Multi-Trip Policy: Frequent flyers can avail of the multi-trip travel policy and be free from any hassle.
    • Cashless Claim Settlement: The travel plan saves you during an emergency as you can get the cashless claim facility. 
    • Region-specific Insurance Plans: Our region-specific customized international travel insurance plans give you an adequate sum insured for your trip and keep you relaxed about the travel risks.

    What is Covered Under Bali Travel Insurance?

    The support of Bali travel insurance will help you face any medical or non-medical exigency without hassle. Below are it's inclusions:

    • Emergency hospitalization: In case you find yourselves in a medical emergency that requires hospitalization, the travel insurance plan for Bali will provide you complete cover encompassing IPD and OPD expenses.
    • COVID-19 Coverage: Our travel insurance plans also cover hospitalization in a foreign country due to coronavirus.
    • Personal Accident: We will compensate up to 100% of the sum insured in the event of the death. Permanent Total Disability is also covered up to 100% depends on the injury.
    • Pre-existing diseases: Under Bali Travel Insurance Plan treatment for pre-existing diseases is also covered in case of life-threatening condition.
    • Treatment in home country: In case you require further treatment in your home country, there is coverage for expenses for up to 30 days or up to the policy end date, whichever is earlier.
    • Medical Evacuation: Get cover during an emergency when there is a need for medical evacuation to the home country.
    • Common Carrier Accidental Death: A lump sum amount as compensation will be paid if the insured person loses his/her life while traveling in a common carrier/ public transport.
    • Trip delay, cancellation, or interruption: You will get compensation for the trip delayed, cancellation, or interruption up to the sum insured and subject to policy terms and conditions.
    • Loss of passport and checked-in baggage: Get coverage for loss of checked-in baggage or delay of checked-in baggage. In case of loss of passport, the plan offers a fixed amount to obtain its new or duplicate copy.
    • Up-gradation to Business Class: For a comfortable journey, if you require an up-gradation to business class, you will receive coverage under Bali travel insurance policy.

    What is Not Covered in Bali Travel Insurance Plan?

    It is beneficial to check the exclusions of the travel insurance policy. Some of the exclusions are given below:

    • Medical treatment has taken outside the Country of Residence if that is the sole reason or one of the reasons for the journey
    • Any Treatment, which could reasonably be delay until the insured person's return to the country of residence
    • Any dental treatment or surgery unless necessitated due to an injury.
    • Circumcision unless necessary for the treatment of an illness or as may be necessitated due to an accident.
    • Treatment of any Congenital Anomaly or illness or defects or anomalies or treatment relating to birth defects
    • Hormone replacement therapy.
    • Weight management services and treatment, vitamins, and tonics related to weight control programs, services, and supplies, including treatment of obesity (including morbid obesity)

    Note: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

    Why should you Opt for Bali Travel Insurance?

    While you are in Bali and looking forward to an enjoyable stay, the uncertainties of travel, like trip delays, medical emergencies, or loss of belongings, can bother you without the required financial back-up. Moreover, imagine if you are hospitalized due to a medical emergency, the expenses can be too high than what your travel budget can meet. With travel insurance in Bali, you will get insurance coverage for various medical and non-medical expenses. It saves you and your travel companions from the unexpected burden of such expenses.

    Eligibility for Bali Travel Insurance

    The eligibility* criteria for an international travel insurance plan will depend on the type of plan you have chosen for your trip. Check the eligibility below:

    Travel Insurance Plans Eligibility Criteria
    Explore - International Travel Insurance The minimum entry age is one day.
    The age of a proposer is minimum 18 years or above.
    The maximum entry age for an adult is as specified in the plan.
    Student Explore – Student Travel Insurance The minimum entry age is 12 years.
    The maximum entry age is 40 years.

    Types of Visas in Bali

    If you are visiting Bali, then you must be aware of the regulations for Indian tourists. As stated earlier, you do not require a visa if you are staying up to 30 days. You must get the visa exemption stamp from the immigration center after landing in Bali. Do remember that this 30-day free visa cannot be extended. You must also provide the following proofs to the authorities:

    • Return tickets
    • Valid passport
    • Sufficient funds to cover expenses

    If you are a tourist and planning to stay in Bali between 30 to 60 days, you can avail any of the below two options:

    • Avail the 30-day visa on arrival by paying a fee of USD 35 per person. You can extend the same for 30 more days by paying an additional amount of USD 45. Provide the following documents to avail the visa:
      • Passport with validity for at least 6 months after your return from Bali
      • Purpose of visit viz. tourism, work, social, etc.
      • Sufficient funds to cover expenses, minimum 100 USD per day
    • Avail the social and cultural visa for Indians (B - 211) from the Indonesian Embassy if you are visiting Bali for social and cultural purposes. This visa is valid for up to 60 days. Provide the following documents to get the visa:
      • Sponsor letter from an Indonesian citizen residing in the country
      • Passport with validity for at least 6 months after your return from Bali
      • Photocopy each of - the main page of passport with the page containing the stamp of entry in the country, identity card of the sponsor, and bank account statement of the sponsor
      • Visa application form and two passport-sized photo
      • Copy of confirmed return ticket from Bali

    You can also avail a multiple entry visa for tourism purposes only and can get each stay extended up to 60 days. To avail this visa, you should have completed 90 days of your stay in Bali. This visa has validity for the 12 months' period. The fee required is USD 230 per person. Provide the following documents to avail this visa:

    • One scanned copy of the first two pages of your passport
    • One copy of your bank account statement

    >> Also Read: Guide on Bali Visa on Arrival for Indians

    Bali Travel Tips For Your Visit

    Bali is a diverse place so when you finalize plans, catch up on some Bali travel tips before you choose your base. The popularity of the place means that there will always be a fair share of crowds. If you like your solitude but you also need your WiFi, then a place like Canggu will suit you while families can enjoy the multiple attractions of Ubud.

    Enjoy Bali's tropical climate and abundance of street food while also sticking to best hygiene practices - stay hydrated and observe a place before you choose to eat there. Make sure that you have an updated travel insurance program that gives you basic health coverage. Don't carry only your beachwear when you are in Bali - many of the best dining establishments have a dress code. Bali is a deeply religious place so make sure that you do not cause inconvenience to the locals with some presumably harmless behavior. Dress appropriately at the holy sites.

    Low season is also a fun season as you get to see the misty, more secluded version of Bali. At the same time, be prepared to miss out on a few activities if the rains increase. Catch up on the weather reports and trends before you go so you can plan your daily schedules around the rains - one tip is that the rains are usually restricted to afternoon downpours.

    If you are preparing your Bali budget, remember that some of the prices in many establishments are pretty much the same as in a developed western country. There are many options for cheaper travel and amenities - you just need to dig around a little more. Overall, Bali remains a great place for middle-income vacations but you need to be smarter with your choices. Bargaining is recommended in the local markets but you should do it with a certain decorum. Do not be dismissive or come across as rude - a positive, friendly body language is likelier to help you get a good bargain rather than frowns and loud voices. Bali has many wild and stray animals living close to human habitation, prominently dogs and monkeys. Restrain yourself from getting closer to them - you can get scratched or bitten, which would mean precious vacation time spent getting to a doctor.

    >> Check: International travel insurance (Explore) to know more about the Inclusions and Exclusions in Bali travel insurance plan

    Things to Do in Bali

    Explore the Paddy Fields of Bali

    Explore the paddy fields of Tegalalang, home to one of Bali's most recognizable visuals. From honeymooning couples ready to set their Instagram on fire to photographers looking for that special golden hour moment, this region of Bali is a must-visit place on your itinerary. Apart from pretty pictures, there is some impressive engineering to observe. The rice fields are in a terrace formation and follow a uniquely local irrigation system that has prevailed for hundreds of years. Pejeng and Campuhan are also good places to check out the rice terraces.

    Have Fun on the Beaches of Bali

    The beaches of Bali are known for the dramatic surrounding landscapes and azure waters. Seminyak Beach is around 5 km long - a monster seaside attraction that has pretty much the widest spectrum of attractions within. You can opt to plonk yourself into an old-fashioned beach shack and watch the world go by, over cocktails of course, or you can head over to one of the clubs for some party time. Family vacationers in Bali will love Nusa Dua Beach, known for its clean sands and very steady waters that are ideal for frolicking children. A shopping complex on the beach provides an added attraction while there are watersports facilities.

    Surfers and backpackers usually prefer the bohemian, cosmopolitan vibes of Echo beach, close to Canggu. Jimbaran is a beach where you can enjoy a fresh seafood dinner in the open sands while watching a spectacular sunset. Balangan Beach is another surfer paradise in Bali. Keramas beach is known for its location - blue sea on one side and the lofty and often-volatile Mount Agung in the backdrop - can there be a more riveting tropical setting? Head off to the Blue Lagoon if you like to include a bit of a hike in your beach trip - the surrounding hills and knolls provide very interesting scenery while the rich waters attract snorkeling and scuba enthusiasts. Lovina Beach and Diamond Beach also belong to the list of top Bali beaches. Do not restrict yourself to these - the coastline of Bali is dotted with many more secluded and hidden spots. Keep your eyes open.

    Engage in Popular Bali Water Activities

    When in Bali, you have to eventually plunge into the sea for a complete experience. It can be something as silly and fun as the rolling donut - basically, where you strap yourself on a donut boat and get pulled across the water. Jet-skiers have plenty of options in Bali - Tanjung Benoa Beach is known for its well-maintained machines and facilities. Snorkeling is a moderate-level water activity that almost anyone can enjoy in most of the coastal waters here. Bali has many good scuba spots for those who want to venture deep into the clear waters.

    Take a Trip into the Interiors

    It is not just about the sun, surf, and parties when you are in Bali. Escape into a verdant haven that is punctuated by the sound of birds and ripples of streams and gushing waterfalls. The island interiors are primeval beauty, lush and abundant with life and myriad hues. The Munduk region is known for its jungle landscapes. Hike through the greenery and visit the Munduk waterfall. The Banyumala Twin waterfall is another popular attraction. Twin Lake is one of Munduk's most famous landmarks. It is surrounded by forested mountains and you can enjoy panoramic views from the cafes nearby. You can even step on to a bamboo walkway that overlooks the stunning lake or sit on a swing to enjoy the cinematic views.

    The famous Balinese coffee is grown in the fertile volcanic soil of the central mountains. A coffee tasting session in Munduk should be on the cards if you are someone who loves the local brews.

    Immerse Yourself in the Culture of Bali at its Magnificent Temples

    Bali is one of the few Hindu-majority regions outside India, and the religion practiced here is very distinctive. The temples of Bali will leave you mesmerized with the ornate designs and architecture that blends sub-continental religious themes with Asian contours. Located close to the town of Kuta, the Tanah Lot is one of the most revered Hindu spots in Bali - an old shrine that sits on a rocky outcrop, surrounded by crashing waves. This place is perfect for a sunset watch too. Uluwatu is located on a sea-facing cliff, so apart from the architecture and art, you will be left spellbound by the backdrop of an endless ocean.

    Located on the slopes of Mt. Agung, the Besakih temple complex needs more than a few days to explore and understand in detail - such is its scale. There are many temples and shrines here, and the quintessential Balinese stone gateways are hard to miss. With more than 70 festivals held here every year, this is a great base for a Bali culture trip.

    Information on Bali

    The Bali capital, Denpasar is also the largest city on the island. It is located on the southern coast, not too far from the tourist-friendly Kuta town. Denpasar has a lot of cultural attractions and is the main administrative center of the island.

    A two-hour flight away from the Indonesian capital Jakarta, Bali is not a very large island and spans 150 km from east to west. Getting around is fairly easy, but because of the high number of attractions, at least a week's stay, if not more, is needed to enjoy the place. The Bali currency is, of course, the Indonesian rupiah. It is recommended that travelers exchange dollars to rupiah in Bali for better exchange rates.

    When planning a Bali trip, it is important to know the weather conditions. July and August are good months along with the period leading up to the New Year, but many travelers who look for less busy scenes prefer going between April and June or in September. It gets quite rainy between October and April while May temperatures are the highest. The good news is that Bali's highest temperatures rarely cross the early thirties.

    Bali Travel Blogs

    With the internet at your disposal, you can plan your Bali trip in real detail. There are so many types of trips you can have. Are you a solo traveler or is this going to be your first family trip with the youngest kid in the family? Female travelers moving in a group will have their requirements, while adventure junkies will also prefer an itinerary that is focused on what they like, and so on. So apart from reading compact and absolutely useful guides like this one, you also need to check out some Bali-centric blogs to get even more precious ground-level information. These blogs may even inspire you to do something or visit a place that you initially might not have heard of. Here are some of the top Bali travel blogs. has a pretty well-documented Bali section, while too has very highly rated Bali content. Photographers, foodies, and female travelers will enjoy the customized information and tips and tricks in these popular blogs. Get inspired by the adventures of Chris and Mandy at Almost Landing - Bali. From Senggigi to Ubud, these guys know the island like the back of their hands. Nomadic Matt has some useful Bali tips for backpackers so make sure you bookmark it.

    Embassy Information

    When traveling to a foreign country it is always smart to know your basic embassy information. Luckily, even though Bali is far from the capital, it has a significant embassy reach on the island. In case you need some ad-hoc documentation done or there is an emergency scenario, the Indian embassy, and its consulate general offices can be of great help. India's embassy is in Jakarta, the capital of Indonesia. It also has an office of the consulate general in Medan and Bali, due to the strong cultural ties and a large number of Indians who visit these places. In Bali, the Indian Consulate General is located in the town of Denpasar, and it is currently headed by Mr. R.O. Sunil Babu, who is the consul general. The following is the address and contact information, along with office hours.

    Indian Consulate General Address - Jl. Raya Puputan No. 163, Renon Denpasar, Bali-80235

    Telephone - (+62) (361) 259 500, (+62) (361) 259 502

    Fax - (+62) (361) 222 253, (+62) (361) 259 505

    Email -

    Website -

    Office Hours - 09:00-13:00 and 13:30-17:30


    Q.Do I need travel insurance for my trip to Bali?

    A.If you are an Indian passport holder travelling to Bali, travel insurance is not mandatory but highly recommended. It will ensure your financial safety in case of unexpected situations, for example, trip delays, lost baggage, or emergency hospitalization.

    Q.Is medical treatment easily available in Bali?

    A. Getting quality medical care in Bali during a medical emergency is not difficult. The city is well-equipped with good medical infrastructure, including hospitals and air ambulance facilities. However, the expenses could be on the higher side, which is why you should invest in a travel insurance cover for your Bali trip. 

    Q.Is Bali safe to travel?

    A. Although Bali is a safe tourist destination if you are going on a short vacation, the risks of earthquakes and tsunamis are a concern. Tourists should take the necessary precautions and follow the travel advisories. Also, one needs to be alert when visiting the city as theft and pickpocketing have caused inconvenience. Hence, it is advisable to take care of your belongings, including mobile phones and cameras, when in a busy location. 

    Q.Does the Bali travel insurance policy cover Pre-existing Disease condition?

    A. Your Bali travel insurance policy will provide you coverage for a pre-existing disease if the condition becomes life-threatening, subject to policy T&C.

    Q.Are there any pre-policy medical check-up required for travel insurance for Bali?

    A.There is no pre-policy medical check-up required for getting travel insurance cover for Bali. However, the tele underwriter may ask for a medical test in a few cases.

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