A Quick Guide on Travel Insurance for Bali
Claim Settlement Ratio (OND 2018)
Network Hospitals across 500 cities
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.
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.
Indonesian, Balinese, Balinese Malay, English, and Mandarin
Country calling code
62 for Indonesia, 361 (Denpasar Bali city code)
Modes of transportation
Bemo (minibus), Bus, Ferry, Taxi
2 Hrs and 30 Mins ahead of India
Ngurah Rai International Airport
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:
The support of Bali travel insurance will help you face any medical or non-medical exigency without hassle. The medical benefits entail hospitalization cover, double sum insured for accidental hospitalization, and coverage for pre-existing ailments. Under the medical benefits, there is coverage for loss of passport and checked-in baggage, trip delay, cancellation or interruption, up-gradation to Business Class, medical evacuation, and personal liability cover.
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.
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.
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:
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:
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:
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
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.
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.
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.
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.
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.
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.
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.
Saltinourhair.com has a pretty well-documented Bali section, while TheBlondeAbroad.com 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.
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 - firstname.lastname@example.org
Website - cgibali.in
Office Hours - 09:00-13:00 and 13:30-17:30
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.
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.
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.
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.
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.