AnkyroTravel insuranceBali and Indonesia
Travel insurance for Bali.
Indonesia doesn’t ask tourists for insurance yet. But a broken leg in Bali can cost over 160 million rupiah, and serious cases can need a flight out. Here is what to know.
The rules
What Bali asks of visitors.
Checked against official sources on 23 October 2026. Entry rules change, so check again before you fly.
- Visa on arrival: no insurance asked
The visa on arrival costs IDR 500,000 for 30 days and can be extended once, to 60 days. You need a passport valid for 6 months and an onward ticket. Insurance is not on the list.
Source: imigrasi.go.id - Bali tourist levy: IDR 150,000
Every foreign tourist pays a levy of IDR 150,000 to enter Bali. Pay it online on Love Bali before you fly, or on arrival.
Source: gov.uk - All Indonesia arrival form
Fill in the free All Indonesia customs and health form within 72 hours of arrival. Ignore sites that ask you to pay for it.
Source: gov.uk - Mandatory insurance: under study
Indonesia’s insurance regulator, OJK, backs making travel insurance mandatory for foreign tourists. In early 2026 it was still being studied, not in force.
Source: keuangan.kontan.co.id - Evacuation is the big risk
Some care is not available locally, and remote areas may not treat serious injuries. The UK government advises cover for evacuation.
Source: gov.uk
What care costs
If something goes wrong, this is the bill.
What a visitor pays without insurance. Prices vary by hospital and change every year.
- Broken leg after a scooter crash: IDR 162 million+
A tourist who broke his leg in a motorbike crash in February 2025 was billed over IDR 162 million at a Kuta hospital. His room cost IDR 15 million a night, after he talked it down from IDR 25 million.
Source: sekilasmedia.com - Evacuation: tens of thousands of pounds
The UK government says medical evacuation from Indonesia can cost tens of thousands of pounds. In remote areas, serious injuries may not be treatable at all.
Source: gov.uk
What to look for
Choosing travel cover for Bali and Indonesia.
Ankyro checks each of these on every plan, so you don’t have to read the fine print.
- Evacuation to Singapore
Check the plan pays to fly you out of Bali to Singapore or home, not just to the nearest hospital.
- The scooter clause
Many plans pay only if you held a licence for that bike, an International Driving Permit, and wore a helmet.
- The insurer pays the hospital
Private hospitals in Bali can ask for payment before treatment. Check for a 24/7 line that can guarantee the bill.
- Diving, surfing and volcano hikes
Check your planned activities are covered. Some plans leave out diving below a set depth or hikes above a set height.
Before you land
Sort these before you fly.
- Emergency number
Call 118 for an ambulance. Then call your insurer’s 24/7 line before you go to hospital, if you can.
- Pay the levy first
Pay the IDR 150,000 Bali levy on Love Bali and keep the QR voucher on your phone.
- Mobile data
Buy an eSIM before you fly so maps and ride apps work outside Ngurah Rai. For a stay of a month or more, a local SIM is usually cheaper. Shops ask for your passport.
Common mistakes
3 we see all the time.
- 01Riding a scooter without the right licence or a helmet. The claim can be refused.
- 02Buying a plan with a low medical limit. A broken leg alone can pass IDR 160 million.
- 03Going without evacuation cover. Serious cases can need a flight out of Indonesia.
Travel insurance stops when the trip ends, and most visas for living in Bali don’t accept it. See what Bali asks of residents.
Questions
People also ask.
Is travel insurance mandatory for Bali?+
Not yet. Indonesia’s regulator backs making it mandatory for foreign tourists, but in early 2026 it was still under study.
How much is the Bali tourist tax?+
IDR 150,000 per foreign tourist. Pay it online on Love Bali before you fly, or on arrival.
Do I need insurance for the Indonesia visa on arrival?+
No. The visa on arrival asks for a valid passport, an onward ticket and the IDR 500,000 fee.
Does travel insurance cover scooter accidents in Bali?+
Only if your plan includes motorbikes and you rode legally, with a valid licence or International Driving Permit and a helmet.
Other trips
Going somewhere else?
Visiting Singapore? Care is excellent and expensive. Living here and going abroad? MediShield Life does not pay overseas. Here is what to check.
02Schengen visaA Schengen visa needs travel medical cover of at least 30,000 euros, valid in every Schengen country, with repatriation. Here is what passes, and what doesn’t.
03MalaysiaVisiting Malaysia? Public hospitals charge foreigners full price. Living here and going abroad? Your cover at home stays at home. Here is what to check.
04ThailandThailand doesn’t ask tourists for insurance. But hospitals want a payment guarantee before they treat you, and private care is not cheap. Here is what to know.
05JapanJapan doesn’t ask tourists for insurance yet. But visitors pay the full bill, and unpaid bills can get you refused entry next time. Here is what to know.
06USA visitorsThe US doesn’t ask visitors for insurance. But a few days in hospital can cost more than a car. Here is what care costs, and what a visitor plan must cover.
08Dubai and the UAEDubai’s law says visitors must be insured, and the 5-year tourist visa asks for proof. Care is good but private, and an unpaid bill can stop you leaving.
09VietnamVietnam doesn’t ask tourists for insurance. But private hospitals cost a lot, and a motorbike crash can stop you leaving the country. Here is what to know.
10SpainPublic care in Spain is free with an EHIC or GHIC. Private clinics, dental care and the flight home are not. Here is what the card leaves to you in Spain.
11MexicoMexico doesn’t ask tourists for insurance. Private hospitals in big cities are good, but most want payment first, and Medicare won’t pay.
12FranceCare in France is not free, even with an EHIC or GHIC. You pay upfront, claim back part, and the flight home is never covered. Here is what to check.
13ItalyThe EHIC and GHIC work in Italy’s public system, but you still pay fees, most medicines and any private doctor. Here is the Italian bill the card leaves you.
14GermanyWith an EHIC or GHIC, most care in Germany costs little. Private extras, mountain rescue and the flight home are on you. Here is what to check.
15PortugalPublic care in Portugal is mostly free with an EHIC or GHIC. Private clinics, medicines and the flight home are not. Here is what to check before you fly to Portugal.
16Costa RicaCosta Rica doesn’t ask tourists for insurance. Only first emergency care is free, private clinics want payment first, and extensions have their own rules.
17ColombiaMost tourists need no visa and no policy for Colombia. If you do need a visa, insurance is part of it. Private clinics want payment first.
18South KoreaKorea doesn’t ask tourists for insurance, and the national scheme is not for short trips. Hospitals expect you to pay on the spot, then claim.
19Australia working holidayThe 417 and 462 visas don’t make you buy health insurance. But you pay every medical bill yourself, unless your passport gets you limited Medicare. Here is who is covered and what to buy.
20New Zealand working holidayMost working holiday visas for New Zealand require medical and hospital insurance for your whole stay, and you can be asked for proof when you land. Here is who is exempt and what to buy.