Insurance Options for Long-Term Stays in Bali (Over 90 Days)

While travel insurance often covers shorter trips, extended stays in Bali require alternative insurance solutions. Here are some options to consider:

1. Local Indonesian Insurance:

• BPJS Kesehatan: This government-backed health insurance provides comprehensive coverage at affordable rates. To be eligible, you need a KITAS/KITAP and have resided in Indonesia for at least six months. It offers various coverage levels with different premium costs.
• Private Indonesian Insurance Companies: Several private insurers offer plans specifically designed for foreigners residing in Indonesia. These plans typically provide more extensive coverage than BPJS Kesehatan, including access to private hospitals and international medical evacuation. Premiums vary depending on the chosen coverage and benefits.

2. International Health Insurance:

• Global Health Insurance Providers: Numerous international insurance companies offer comprehensive health insurance plans covering medical expenses worldwide, including Indonesia. These plans often provide extensive benefits like access to a broad network of healthcare providers, coverage for pre-existing conditions, and high coverage limits. However, premiums can be significantly higher compared to local options.
• Specialized Long-Term Travel Insurance: Some travel insurance companies offer plans specifically designed for long-term travel, with coverage extending beyond the typical 90-day limit. These plans often include medical coverage, trip cancellation, and baggage protection. However, ensure the plan meets your specific needs and covers the duration of your stay in Bali.

3. Combination of Insurance Options:

• Local and International Coverage: Consider combining a local Indonesian insurance plan with international coverage for more comprehensive protection. This approach offers the benefits of local affordability for routine care while ensuring access to specialized treatment and emergency medical evacuation, if necessary.

Important Considerations:

• Coverage Details: Carefully review the coverage details of each insurance plan to ensure it aligns with your needs, including coverage for medical emergencies, hospitalization, pre-existing conditions, and any specific activities you plan to engage in.
• Network of Providers: Check if the insurance plan has a network of healthcare providers in Bali, ensuring convenient access to medical care when needed.
• Claims Process: Understand the claims process for each insurance option, including the required documentation and timeline for reimbursement.
• Cost Comparison: Compare the costs of different insurance plans, considering premiums, deductibles, and out-of-pocket expenses.

Disclaimer:

Insurance options and regulations may change over time. It is essential to consult with insurance providers and relevant authorities for the most up-to-date information before making any decisions.