Indonesia Travel Insurance

Features of Indonesia Travel Insurance

At Care Health Insurance, we offer a comprehensive plan to cover your trip to Indonesia. Let us discuss the features of Indonesia travel insurance in detail:

Indonesia Travel Insurance: Plan at a Glance

When buying Indonesia travel insurance, make sure to read the main details of the plan carefully. First, choose the type of insurance you need: individual, family, or student travel insurance. Then, decide if you want coverage for just a single trip or need an annual trip insurance for trips taken throughout the year. 

To help you decide the best travel insurance plan for your needs, here are the major highlights of the Explore Asia plan from Care Health Insurance.

*Family option is only available on Single Trip Policies. Please refer to the prospectus for more details on eligibility.

What is Covered Under Travel Insurance for Indonesia?

At Care Health Insurance, we offer all-around online travel insurance for Indonesia. Here’s what our policy includes to keep you safe and stress-free:

• Medical Coverage

• Journey Coverage

• Baggage Coverage

Emergency Hospitalisation

If you have a medical emergency requiring treatment in a foreign land, we’ll cover the costs, whether inpatient or outpatient.

Personal Accident Cover

Our travel insurance plan covers accidental death or permanent total disability due to an accident while you're abroad.

Trip Delays, Cancellations, or Interruptions

If your travel plans hit a bump, like flight delays, cancellations, or interruptions, we will help you recover the costs.

Compassionate Visit

If you're hospitalised, we’ll cover the flight ticket (economy class) for a close family member to accompany you during the emergency.

Daily Allowance

If you're hospitalised, we’ll also help cover extra daily expenses for your companion, based on your policy terms.

Return of Minor Child

We will reimburse the reasonable cost of an economy class ticket of the minor child in case of any unfortunate mishaps of the insured.

Up-gradation to Business Class

The travel insurance policy will cover you for the up-gradation of the air tickets to business class. This would require the prescription given by the specific doctor.

Loss of Passport or Baggage

Lost your passport or your baggage didn’t arrive? Don’t worry, we will provide coverage for you up to the insured amount for lost or delayed items.

Our plan also includes coverage for missed flight connections, a hijack distress allowance, and automatic trip extensions, so you’re ready for the unexpected.

*Refer to the policy documents for more detailed information regarding the Coverage.

What is Not Covered Under Travel Insurance for Indonesia?

Understanding what’s not covered in your travel medical insurance for Indonesia is essential to avoid surprises later. Here are some exclusions under the Explore-Asia Travel Insurance for Indonesia by Care Health Insurance:

• Drug or Alcohol Misuse: Expenses from using drugs or alcohol irresponsibly won’t be covered by this insurance plan.
• Self-Inflicted Injuries: Injuries caused by a suicide attempt or harming yourself will not be covered, whether it leads to hospitalisation or death.
• Breaking the Law: Any related expenses or injuries will not be covered if you break any laws or regulations in Indonesia.
• War-Related Events: Costs related to wars, both national and international, or any nuclear accidents or disasters, won’t be covered.
• Dangerous Activities: Claims for injuries from high-risk activities, like fire stunts or dangerous road stunts, won’t be covered unless specifically mentioned in the policy.
• Dental Treatment: Routine dental treatment or surgery is not covered unless it is needed to treat severe pain.

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

Benefits of Indonesia Travel Insurance

The Indonesia travel health insurance helps protect you from unexpected problems during your trip and gives you peace of mind. Here are some essential benefits of having travel insurance:

• 24/7 Emergency Support: Most international travel insurance for Indonesia plans offer 24/7 emergency support, such as help finding a doctor, dealing with language issues, or giving safety advice.
• Peace of Mind: Knowing you’re covered for emergencies, delays, or cancellations allows you to relax and focus on your experience rather than potential problems.
• Confidence to Explore Remote Areas: With travel insurance, you can confidently visit remote islands or rural regions of Indonesia, knowing that you’re protected in case of accidents or emergencies.
• Adventure cover: Many plans offer coverage for adventurous activities such as scuba diving, surfing, hiking, or volcano trekking, common experiences in Indonesia that may carry added risk.
• Third-Party Service Provider: Being aware of third-party service providers in your travel insurance policy adds another layer of security. They are responsible for extending reliable emergency support, quicker response times,  qualitative services, etc. Undoubtedly, third-party service providers play an indispensable role in international travel insurance. 

What is the Premium of Travel Insurance for Indonesia?

The cost of Indonesia travel insurance depends on a few things, like your age, where you are going, how long your trip is, and what kind of coverage you choose. Care Health Insurance offers an affordable travel insurance plan for trips to Indonesia, designed to cover medical and non-medical needs, without being too heavy on your wallet.

For example, a single traveller going from India to Indonesia for a 7-day trip can get insurance coverage starting at just around Rs. 288~. This is based on a travel insurance plan with a coverage amount of $10,000 for a one-time 7-day visit.

*The above-mentioned travel insurance premium is calculated subject to no pre-existing medical conditions of the insured members. It considers that the insured members have not been diagnosed, hospitalised, or underwent any treatment in the last 48 months. Also, the premium amount is subject to change if the insured person has already claimed any travel policy before.

Check the Travel Insurance Premium Calculator to calculate the cost of securing your travels to Indonesia.

Factors Affecting the Premium of Travel Insurance for Indonesia

To make the most of your trip to Indonesia, getting travel insurance that fits your needs is a good idea. Remember that the cost of your insurance can change depending on several factors.

For example, if you're buying travel insurance for senior citizens, coverage for pre-existing medical conditions might increase the cost of the plan. 

Here are some factors that can affect the price of your travel insurance for Indonesia:

• Type of Trip: The type of insurance you choose for your Indonesia trip will affect the cost, whether you're planning a single trip or multiple trips during the year.
• Length of the Trip: The length of your vacation plays a big role in the cost of your travel insurance. The shorter your trip, the less you'll have to pay.
• Medical History: If you want coverage for a serious illness or a pre-existing health condition, this might raise the cost of your travel medical insurance for Indonesia.
• Coverage Type: The amount of coverage you select affects the price. The higher the coverage, the higher the premium. To keep costs down, consider removing coverage you don’t need. For example, if you're getting insurance as a student and don't have any pre-existing health conditions, you might not need that coverage.

How to Buy Indonesia Travel Insurance Online?

Documents Required to Travel from India to Indonesia

If you're an Indian citizen planning to visit Indonesia, make sure you have the following documents ready to fulfil the Indonesia travel insurance requirements:

• Valid Passport: Your passport must be valid for at least six months beyond your planned entry date into Indonesia. Make sure to check its expiration date before you travel.
• Visa: Based on your purpose of visit, you can apply for a visa online or through an Indonesian embassy. Typically, Indian passport holders can apply for a visa on arrival for Indonesia.
• Return Flight Ticket: You must show proof of a return or onward flight ticket to demonstrate your plan to leave Indonesia before your visa expires.
• Accommodation Details: It is a good idea to book your accommodation and have its details ready before travelling.
• Travel Itinerary: You might be asked to provide a detailed travel itinerary, including where you plan to go and how long you’ll stay in each location. This is important for showing the purpose of your trip.
• Proof of Sufficient Funds: You should show that you have enough money to support yourself during your trip. This could include bank statements or other financial documents, such as international travel insurance.

How to File a Claim Under Travel Insurance for Indonesia?

How to Apply for an Indonesia Visa from India?

Applying for an Indonesian visa from India is a straightforward process, but it is important to follow the correct steps to ensure your application is approved. Let us discuss in detail about the application process of the Indonesian visa for Indians:

• Choose Visa Type: Decide between a tourist, business, or social/cultural visa, depending on your trip's purpose.
• Prepare Documents: Gather the required documents, including a valid passport (6 months validity), completed visa form, passport-sized photos, flight itinerary, hotel booking, bank statements, and visa fee.
• Submit Application: Apply at the Indonesian Embassy in New Delhi or nearest consulate, either in person or online.
• Processing Time: The Indonesian visa for Indians usually takes 5 to 7 working days to process.
• Collect Visa: Once your visa is approved, you can collect it in person or by mail. 

*If you're planning a short trip (up to 30 days), you can get a Visa on Arrival at certain airports in Indonesia. Make sure to check the embassy’s website for the most up-to-date information.

Documents Required for an Indonesian Visa

To apply for an Indonesian visa, you need to have the following documents:

• Valid Passport: Your passport must be valid for at least 6 months beyond your planned stay in Indonesia.
• Visa Application Form: Completed and signed visa application form.
• Passport-size Photos: Two recent passport-size photos that meet the required standards.

Indonesia Travel: Safety & Precautions

Indonesia is ranked as the 72nd safest country in the world, making it generally safe for tourists. Still, it is important to stay cautious. Here are some easy safety tips for your trip:

• Don’t travel alone at night, especially in unfamiliar areas.
• Use only registered tour guides if someone offers to help or show you around.
• Dress modestly, especially when visiting temples or religious sites.
• Don’t smoke in public places, as Indonesia has strict laws for substance abuse.
• Stay updated with local news, especially during the rainy season when there may be floods or travel disruptions.
• Avoid carrying expensive items like jewellery in public. Pickpocketing and small thefts are common in Indonesia.
• Buy good Indonesian travel insurance, especially if you plan on doing adventure activities like trekking or water sports.

The Indian Embassy in Indonesia

If you face an emergency in Indonesia and need help from Indian authorities, contact the Indian Embassy. They are there to support you and guide you through any serious situation.

Also, let your travel insurance company know immediately, as their third-party assistance may help you during emergencies.

Best Time to Visit Indonesia

The best time to visit Indonesia is from mid-April to September. This time is referred to as the dry season, and during these months, the weather is the best for roaming around. 

However, Indonesia has two main seasons: the dry season and the wet season. The wet season lasts from October to mid-April. The dry season is warm and great for sightseeing, hiking, and water activities. May, June, and September are the best months to visit because there is ideal weather and fewer tourists.

International Airports in Indonesia

Indonesia is an island nation that can be easily travelled to by boat and flight. The country has multiple domestic and international airports. 

Some of the most popular international airports in Indonesia are listed below:

Best Places to Visit in Indonesia

Indonesia offers diverse attractions, making it a popular travel destination. Some of the best places to visit in Indonesia are mentioned below:

• Beaches of Bali: Bali is the most famous place in Indonesia, known for its beautiful white sandy beaches and delicious local food. If you love the beach, Bali will probably become your favourite spot. Relax in the sun, walk along the beaches, and enjoy peaceful moments with your loved ones.
• Borobudur Ancient Temple: Borobudur is an ancient temple in Indonesia and one of the most important UNESCO World Heritage sites. Built in the 8th century, it is shaped like a Buddhist mandala. For an unforgettable experience, visit early in the morning for a sunrise climb and enjoy the stunning view.
• Gili Island: The Gili Islands, located near Lombok, are a beautiful and popular destination for tourists, especially backpackers. If you enjoy snorkelling or scuba diving, the Gili Islands are perfect. You can even visit the turtle sanctuary and hatchery to see baby turtles.
• Komodo National Park: If you’ve always wanted to see a real-life dragon, Komodo National Park is the place to go. The Komodo dragons here are not mythical creatures but real, wild animals.
• Tanah Lot Temple: Tanah Lot is a famous temple in Bali, built on a rock in the middle of the sea. It is a beautiful place to visit, especially at sunset. Located on the southern coast of Beraban Village, you can walk up to the temple when the tide is low.
• Jatiluwih Rice Fields: The Jatiluwih Rice Fields in Bali offer a unique view of Indonesia. This spot is a great place to visit during your trip to Indonesia.

Things to Do in Indonesia

Here is a list of amazing activities that you can enjoy during your stay in Indonesia.

• Surfing: Indonesia is renowned for its world-class surf spots, especially in Bali, Sumatra, and Sumbawa. Whether you’re a beginner or an experienced surfer, there’s a wave for everyone.
• Snorkelling & Diving: Indonesia offers some of the world’s best dive sites, including Raja Ampat, Komodo, and Bali, where you can explore vibrant coral reefs, swim with manta rays, and discover diverse marine life.
• Camping: Enjoy camping in stunning natural locations, from the foothills of active volcanoes to serene lakes like Lake Toba, and the remote Wae Rebo Village.
• Hot Springs: Unwind in Indonesia’s natural hot springs after a day of adventure. The Tegallalang Hot Springs in Bali and Ciater Hot Springs in West Java are popular relaxation spots.
• Visit Ancient Temples: Explore Indonesia’s stunning temple complexes such as Borobudur (Buddhist) and Prambanan (Hindu) in Java. These UNESCO World Heritage sites are known for their intricate architecture and spiritual significance.
• Experience Traditional Ceremonies: Experience the cultural richness of Indonesia by witnessing traditional ceremonies, such as the Balinese purification ceremony, or the Toraja funerals in Sulawesi, which showcase Indonesia’s unique rituals.
• Yoga & Wellness Retreats: Bali is famous for its wellness and yoga retreats. These peaceful retreats offer everything from meditation sessions to detox programs and spiritual healing.

Currency and Foreign Exchange

The official currency of Indonesia is the Indonesian Rupiah (IDR). Here’s an approximate exchange rate to help you estimate conversions:

Quick Facts about Indonesia

Note: The per day premium has been calculated for an individual aged 24 yrs for a 90 days trip, with the starting coverage of $ _____.