Local Insurance Options in Bali
While international travel insurance is commonly used by visitors to Bali, there are also local insurance options available for those with KITAS (temporary stay permit). These options can be significantly more affordable and provide comprehensive coverage.
BPJS
BPJS is the Indonesian government's health insurance program. It offers several tiers of coverage, with the highest tier costing around 150,000 IDR per month. BPJS provides access to free healthcare services at a wide network of hospitals and clinics across Indonesia.
Here's how BPJS works:
- Emergency Care: In case of emergencies, you can visit almost any hospital, including private facilities like BIMC and Siloam, and receive treatment without any upfront payment.
- Non-Emergency Care: For non-emergency situations, you need to visit a designated clinic and consult with a family doctor. If necessary, they will refer you to a specialist.
- Dental and Vision Care: While dental and vision care are covered, the extent of coverage may vary depending on the specific clinic and the nature of the treatment.
Eligibility: To be eligible for BPJS, you need to have a KITAS that has been active for at least six months.
Private Local Insurance
Several private insurance companies in Bali offer health insurance plans tailored for foreigners. These plans typically provide coverage for inpatient and outpatient care, emergency medical evacuation, and repatriation. The cost of private insurance varies depending on the coverage level and the insurance provider.
Here are some reputable private insurance companies in Bali:
- Allianz Care Indonesia
- Cigna Global
- AXA Mandiri
Benefits of Local Insurance:
- Cost-effective: Local insurance options are generally more affordable than international travel insurance, especially for long-term stays.
- Comprehensive Coverage: BPJS provides access to a wide range of healthcare services, including specialist care and hospitalization.
- Local Network: Local insurance companies have established networks with healthcare providers in Bali, ensuring smooth access to medical services.
Considerations:
- Language Barrier: Communication with healthcare providers may be challenging if you don't speak Bahasa Indonesia. Consider seeking assistance from a translator or choosing a hospital with English-speaking staff.
- Waiting Times: Public hospitals under BPJS may have longer waiting times compared to private facilities.
- Coverage Limitations: Certain treatments or medications may not be fully covered by BPJS or private insurance plans. It's important to carefully review the policy terms and conditions.
Recommendation: If you have a KITAS and plan to stay in Bali for an extended period, exploring local insurance options like BPJS or private insurance plans can be a wise decision. They offer cost-effective and comprehensive coverage, ensuring peace of mind during your stay on the island.