What type of insurance is recommended for Bali and how much does it cost? ✈️🏝️🏥
Insurance Options for Bali
While travel insurance isn't mandatory for entering Bali, it's highly recommended due to the high cost of medical care on the island. Here's a breakdown of popular options:
International Travel Insurance:
Coverage: Typically includes medical expenses, emergency evacuation, trip cancellation, lost luggage, and more.
Providers:
Tinkoff Premium: Offers free travel insurance for up to 5 family members with a monthly subscription fee. Coverage is limited to 45 days and requires activation outside of Bali.
Alfa Bank Premium: Provides travel insurance that can be activated even while already in Bali.
Sberbank: Offers travel insurance, but it may be more expensive than other options.
Cherehapa: An aggregator platform allowing you to compare and purchase insurance from various companies, including international providers with high coverage amounts.
Cost: Varies depending on the provider, coverage level, and duration of your trip. Expect to pay around \$30-$50 for a month-long policy with basic coverage.
Local Insurance:
Coverage: Primarily focuses on medical expenses and emergency evacuation within Indonesia.
Providers: Allianz is a reputable local insurance company.
Cost: Generally cheaper than international insurance but with limited coverage.
Additional Considerations:
Active Sports Coverage: If you plan on engaging in activities like motorbike riding or surfing, ensure your insurance includes coverage for these sports. This often requires an additional premium.
Pre-existing Conditions: Declare any pre-existing conditions to avoid claim denials.
Policy Documents: Keep your policy documents and emergency contact numbers readily accessible.
Tips:
Read the policy wording carefully to understand the coverage and exclusions.
Compare quotes from different providers to find the best value.
Consider the length of your trip and the activities you plan to do when choosing your coverage level.
Always inform your insurance company immediately in case of an accident or medical emergency.
Remember, having travel insurance provides peace of mind and financial protection during your trip to Bali.