Health, travel, property, villa, business and family coverage — compared honestly, for the way foreigners actually live in Bali.
If you live in Bali as a foreigner, the most important insurance is usually health insurance. After that, the right coverage depends on your lifestyle: travel insurance for short stays, international medical insurance for long-term residents, property insurance for villa owners, liability insurance for business owners, and life insurance for families.
Bali receives hundreds of thousands of foreign visitors per month. BPS Bali recorded 682,866 foreign tourists in August 2025, with Australian tourists making up 21.34% of arrivals that month. (Badan Pusat Statistik Provinsi Bali) But living in Bali is different from taking a holiday. Once you stay long-term, rent a villa, start a company, hire staff, ride a scooter, or bring your family, your risk profile changes.
Nine product categories, mapped to who they fit, what they protect, and the most common gap to watch for.
Not sure which one applies to you? Compare insurance options for foreigners in Bali or browse licensed providers.
You may not have an Indonesian employer, which means no automatic local employer-sponsored coverage. Compare private medical insurance, international health, travel limits, and emergency evacuation. Nomad-built plans such as SafetyWing, Genki and Insured Nomads exist for exactly this profile — offshore products bought online, designed for people without local employer coverage.
You need to understand the difference between local health insurance, BPJS, employer coverage, and private/international plans. Foreign nationals in Indonesia for more than six months may fall under BPJS-related registration depending on status and employment.
Compare health, life, maternity, dental, evacuation, and child-friendly hospital access. If one parent is the main income earner, life insurance also matters.
A landlord’s building insurance may not protect your belongings. If you own or lease a villa and rent it out, you may need property, contents, public liability, fire, earthquake, and guest injury cover.
If you operate a PT PMA, agency, restaurant, retreat, villa management company, construction project, or consultancy, personal insurance is not enough. Look at business, employee health, property, liability, and vehicle coverage.
For most foreigners in Bali, health insurance comes before everything else. There are usually three broad options.
On the international side — for nomads and expats whose life spans more than one country — travel-medical and international health plans from providers such as IMG Global are bought from outside Indonesia and travel with you.
Indonesia’s insurance product and marketing rules continue to develop. OJK issued POJK 8/2024 to strengthen insurance product governance, digital policy use, premium calculation governance, and digital provision of insurance products. For health insurance specifically, Reuters reported in January 2026 that OJK dropped a previous plan requiring policyholders to pay at least 10% of private health insurance claims; insurers may still offer co-pay products, but the revised rule allows fully covered claim products as an option.
“If I have a serious accident in Bali, where can I go, how do I get admitted, and who pays the hospital first?”
BPJS Kesehatan is Indonesia’s national healthcare system. Private insurance is separate. For foreigners, BPJS relevance depends on residence and employment status. Employers operating in Indonesia may have BPJS obligations, and foreign workers who have worked in Indonesia for six months or longer may need to participate in BPJS employment-related social security frameworks. (Acclime Indonesia)
For many foreigners, the practical answer is not “BPJS or private”. It may be: BPJS for compliance/basic access + private or international insurance for stronger medical protection. Always confirm your personal situation with your employer, immigration adviser, insurance partner, or legal adviser.
Travel insurance is useful for visitors, visa runs, retreats, regional trips, or while waiting on longer-term insurance approval. It often covers:
But many travel policies have maximum trip duration limits, residency conditions, activity exclusions, and rules around motorbike accidents. Before buying, ask:
Two names that come up constantly for Bali trips: Heymondo, whose long-stay plans run past 90 days, and World Nomads, which covers inbound tourists only — it cannot sell to Indonesia residents.
Foreigners in Bali often rent or control expensive villas, furniture, electronics, equipment, and personal belongings. Property risk gets ignored until something happens. It may be relevant if you:
A normal home policy may not automatically cover short-term rental operations. If you rent your villa to guests, check whether the policy covers:
Your company has separate legal, operational, employee, property, and liability risks. Business insurance may be relevant for:
Insurance prices vary heavily depending on the policy type, provider, coverage limits, age, health condition, property value, location, and risk profile.
Best rule: don’t compare only the cheapest premium. Compare coverage limits, exclusions, claim process, hospital/property network, and whether the policy matches your actual Bali lifestyle.
Before buying any insurance in Bali, check these exclusions carefully.
The claim process depends on the insurer and product, but the general flow looks like this:
Most policies require prompt notification — don’t wait.
Hospital admission, surgery, evacuation, or expensive treatment may require it.
Passport, policy number, claim form, medical report, invoice, receipt, police report, photos, proof of ownership.
Insurer app, broker, email, hospital insurance desk, partner agent, or online portal.
Screenshots, WhatsApp, email, receipts, reference numbers — all of it.
If a claim is delayed or rejected, ask for the written reason and compare against the policy wording.
Foreigners in Bali often compare international and Indonesian providers. You may come across names such as:
Don’t choose based on brand name only. Compare:
Health, international health, travel, property, villa, business, life, car or motorbike — we'll connect you with selected licensed insurance partners in Indonesia.
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Always read the policy wording, exclusions, waiting periods, claim process, and provider license information before buying insurance. This article is general information only and is not legal, financial, or insurance advice.