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FeaturedExpat

Insurance for foreigners living in Bali — the complete guide

Health, travel, property, villa, business and family coverage — compared honestly, for the way foreigners actually live in Bali.

14 min readUpdated 8 May 2026
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15 articles. Read what matters.

E
Expat
Pillar

Insurance for foreigners living in Bali — the complete guide

Health, travel, property, villa, business and family coverage — compared honestly, for the way foreigners actually live in Bali.

14 min read8 May 2026
T
Travel
Bali

Are scooter accidents covered by insurance in Bali?

Helmet law, license rules, alcohol, engine size — the small print that decides whether your motorbike claim pays.

12 min read8 May 2026
H
Health
Comparison

BPJS vs private health insurance — the honest breakdown

Most people in Indonesia need both. Why, how to combine them without paying twice, and where each one fails you.

9 min read20 Aug 2026
C
Car
Decision

All Risk or TLO? — the real cost of choosing wrong

A decision framework based on your car's age, value, and how Jakarta traffic actually treats bumpers.

7 min read20 Aug 2026
H
Health
Beginner

How much health insurance do you really need in Indonesia?

A sizing framework by income, family stage, and city — and the annual-limit math most agents skip.

7 min read20 Aug 2026
H
Health
Comparison

Cashless vs reimbursement — which one actually helps at 2am

How the two claim systems work in Indonesian hospitals, and the questions to ask before you pick a plan.

6 min read20 Aug 2026
H
Health
Important

Pre-existing conditions: what insurers actually accept

Diabetes, hypertension, asthma — how disclosure, waiting periods, and exclusions really work in Indonesia.

6 min read20 Aug 2026
C
Car
How-to

Filing a car insurance claim in Indonesia — the 7-step playbook

From accident scene to workshop to payout: what to photograph, what to say, and the deadlines that void claims.

8 min read20 Aug 2026
T
Travel
Money

Single trip vs annual multi-trip — the breakeven math

An annual policy pays for itself at roughly three trips. Here's how to know if you're a three-plus.

5 min read20 Aug 2026
L
Life
Important

Term life or unit-linked? — why agents push the wrong one

Unit-linked pays agents up to 40% of your first years of premium. Pure term + investing the difference usually wins.

8 min read20 Aug 2026
E
Expat
Bali

The Bali expat health checklist — KITAS, hospitals, evacuation

BPJS obligations, which hospitals handle what, and when a Singapore evacuation clause stops being optional.

9 min read20 Aug 2026
E
Expat
Visa

Digital nomad visas and insurance — what's required, what's smart

What Indonesian visa routes actually require, and the cover levels that make sense for remote workers in Bali.

6 min read20 Aug 2026
P
Property
Risk

Earthquake insurance in Indonesia — who needs it, who skips it

It's excluded from every standard fire policy by default. Zones, government-fixed rates, and what cover costs in Bali.

7 min read20 Aug 2026
P
Property
Bali

Insuring your Bali villa for short-term rental

Standard home cover voids the moment you list on Airbnb. What commercial villa cover looks like and roughly costs.

8 min read20 Aug 2026
B
Business
Construction

Does your kontraktor have CAR insurance? — almost certainly not

Building in Bali? Contractors' All Risks is how construction risk is meant to be carried — and why most villa builds carry none.

9 min read20 Aug 2026
Jargon getting in the way? Read the glossary — insurance terms, translated to human.
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