Travel Insurance Bali: What Actually Pays Out (2026)

This guide is about Bali: Canggu, Seminyak, Ubud, Uluwatu, Sanur, Nusa Dua, the Bukit and the Nusa islands, with the Gilis and Lombok as the usual side trip. If your trip goes beyond Bali, to Java, Flores, Komodo, Sumatra or Raja Ampat, read our guide to travel insurance for Indonesia, which covers hospitals and evacuations outside the island. Prices on this page were read on the insurers’ own pages on 17 October 2026 (Genki on 5 October 2026); the full price tables by age are below.

Last updated: 17 October 2026. By Tommy Betts.

We are not an insurance broker. We answer every request ourselves and, when a quote is needed, we put you in touch with a partner broker. Some links on this page are affiliate links: we may receive a commission at no cost to you.

Do you need travel insurance for Bali?

Not to enter the country. The Indonesian e-Visa portal does not list travel insurance among the documents required for the Visitor Visa or the Visa on Arrival (checked 3 October 2026), and the Australian government’s travel advice for Indonesia does not mention insurance as an entry condition (Smartraveller, read 5 October 2026). A 2022 announcement about mandatory cover was a COVID-era measure that is no longer applied at Ngurah Rai airport.

You need it for the hospital, not for immigration. Bali’s private hospitals treat foreigners as private patients: there is no public system you can fall back on, admission for anything serious starts with a card imprint or a guarantee of payment from your insurer, and the UK Foreign Office warns that a medical evacuation from Indonesia can cost tens of thousands of pounds (GOV.UK, health advice for Indonesia, updated 30 September 2026). On Bali the usual destination for a serious case is Singapore, by air ambulance, and that is the bill a travel policy exists to absorb.

The entry rules, the Visa on Arrival and the questions immigration officers do and do not ask are covered on our page do you need travel insurance for Bali?

How we chose these plans for Bali

We only recommend plans whose policy wording we have read, that sell online to travellers already in Bali, and that pay hospitals directly or reimburse within weeks. We compared SafetyWing, Genki and IMG on the five points that decide a Bali claim: the medical limit, the deductible, whether a scooter accident is covered and under what conditions, the maximum age, and the price for a 35-year-old and a 65-year-old on a one-month trip. Prices are re-read on the insurers’ pages every week and dated on this page.

We leave out the insurers sold with your flight or by your bank unless they are a good fit, because many of them exclude Bali’s two most common claims, scooter accidents and surf injuries, or cap medical cover at a level that does not survive an evacuation to Singapore. Three plans made the cut, each for one kind of Bali trip:

• SafetyWing Essential for holidays and stays of a few weeks to a few months, bought by the 4-week period, cancellable at any time, available after you land.
• Genki Traveler for scooter riders and for stays of 6 months and more, because its wording covers two-wheelers when you hold the right licence and because it is sold by the month up to a year.
• IMG Patriot for travellers aged 70 to 80, an age that SafetyWing Essential (up to 69) and Genki (up to 69) do not insure.

SafetyWing for Bali: the default choice

SafetyWing Essential is the plan most Bali visitors up to age 69 should start with, and the reason is practical rather than clever: it is bought online in a few minutes, before or after you land, it runs in 4-week periods that renew until you cancel, and its $250,000 medical limit with no deductible covers the kind of bill Bali actually produces, a dengue admission, a scooter fracture, a reef cut that gets infected, without you paying anything first. Emergency evacuation is covered up to $100,000, which is the figure that matters for a flight to Singapore. Surfing and scuba diving are covered with the Adventure Sports add-on you tick at checkout; a scooter accident is covered when you hold a licence valid for the vehicle and wear a helmet. It is available up to age 69. What it does not do: refund a cancelled flight or a lost bag, because it is a travel medical policy, not a holiday package.

Get a SafetyWing quote →

Genki Traveler for Bali: the scooter and long-stay option

Genki Traveler is a German-regulated travel health policy sold by the month, from one to twelve months, for travellers up to age 69. The medical limit is €1,000,000, the deductible is €50 per case and is waived for hospital stays. It is our pick for two kinds of Bali traveller. Scooter riders, because its wording is explicit that motorbikes and scooters are covered when you hold the licence required for the vehicle in Indonesia. And anyone staying 6 months or more, Canggu and Ubud remote workers in particular, because a monthly plan with a million-euro limit is what a long stay needs. Cover in your home country is limited to emergencies, during the first 6 weeks of a visit home and only after at least 4 weeks abroad (Genki guide, read 17 October 2026).

See the Genki price →

What travel insurance for Bali costs, by age

SafetyWing Essential, price per 4 weeks, worldwide excluding the United States, read on 17 October 2026:

Genki Traveler, price per month, worldwide with limited cover in the United States and Canada, read on 17 October 2026:

IMG Patriot does not publish a price list: the premium depends on age, trip length, the plan (Lite or Platinum) and the deductible you choose, from $0, with several levels on each plan (imglobal.com, read 5 October 2026). Two details the tables hide: SafetyWing renews every 4 weeks until you cancel, so a 5-week trip costs two periods unless you set an end date; Genki is sold by whole months, with a minimum of one and a maximum of twelve.

SafetyWing vs Genki vs IMG for Bali

Not sure which column is yours? Describe your trip → We reply ourselves, within 2 hours, with the plan that fits you.

Which plan for which Bali trip

• A two-week holiday in Seminyak, Ubud or Nusa Dua, no scooter: SafetyWing Essential, one 4-week period, cancelled when you get home. If your flights and villa are non-refundable and you want cancellation cover, add a holiday package policy from home for that part and keep SafetyWing for the hospital.
• One to three months in Canggu or Uluwatu, working remotely: SafetyWing Essential renewed by the period, or Genki Traveler if you will ride a scooter every day. For stays beyond six months, Genki by the month; beyond a year, read the long-stay section below.
• A scooter rider, whatever the length of stay: Genki Traveler, with an International Driving Permit that carries the motorcycle category or an Indonesian licence, and a helmet. Our scooter insurance for Bali guide goes through the police stops, the licence office in Denpasar and what a Canggu crash costs.
• A family with children: SafetyWing Essential includes one young child free per insured adult within the limits of its wording; Genki insures children from birth at their own rate. The comparison for a family of four is on our page family travel insurance for Indonesia.
• Aged 60 to 69: SafetyWing Essential at $218.96 per 4 weeks or Genki at €168.30 per month; both still insure you, at their highest bracket. Our guide to travel insurance for seniors in Indonesia (60+) compares them for this age.
• Aged 70 to 80: IMG Patriot on quote, the only plan on this page that still insures you. Over 80, or with a condition under treatment, write to us: the online plans will not quote, an insurer still can.
• Surfers and divers: SafetyWing with the Adventure Sports add-on; divers doing more than a few dives add DAN Europe. Details in the activities section below.

Scooters in Bali: the clause that decides your claim

A scooter is how Bali moves and it is the single most common reason a visitor ends up in a Bali hospital. Whether your insurer pays comes down to three conditions that are the same across the plans on this page: a licence valid for the vehicle, a helmet, and no alcohol. The licence is the one visitors get wrong. A car licence does not cover a 125 cc scooter; you need an International Driving Permit with the motorcycle category, issued in your home country before you travel, or an Indonesian licence. Smartraveller is explicit that your insurer may refuse the claim if you do not hold one, that police checks of foreign riders are frequent and that fines are paid on the spot (read 5 October 2026).

Of the three plans, Genki Traveler has the clearest wording on two-wheelers, which is why it is our pick for riders. SafetyWing covers scooter accidents under the same licence-and-helmet conditions. Rental shops in Canggu and Ubud do not check licences; the police and your insurer do. Everything else, including what a crash costs at Siloam or BIMC and how the police report works, is on our scooter insurance for Bali page.

See the Genki price →

Surf, diving, volcanoes: Bali’s other claims

Surfing

Reef cuts at Uluwatu, Bingin and Padang Padang, fin cuts and board strikes at Canggu and Keramas are the surf injuries that turn into claims, often because a cut gets infected a few days later. SafetyWing covers surfing with the Adventure Sports add-on; Genki covers sports according to its wording, which lists the activities it excludes rather than the ones it accepts. The two wordings are compared line by line on our page on surf travel insurance for Indonesia.

Scuba diving and freediving

Tulamben, Amed, Nusa Penida and the Menjangan sites are dived every day of the year. Recreational diving is covered by SafetyWing with the Adventure Sports add-on, within the limits of your certification. Divers doing a liveaboard, many dives, or heading on to Komodo should add a dedicated dive policy: DAN Europe covers chamber treatment and dive-specific evacuation that travel policies cap or exclude. Our page on diving insurance for Indonesia explains what DAN adds and when a travel policy is enough.

Volcanoes and the airport

Indonesia has around 120 volcanoes, 76 of them active (Smartraveller, read 5 October 2026), and Bali’s own, Agung, closed Ngurah Rai airport for days during its 2017 eruption. Trekking Batur for sunrise is covered by the three plans as ordinary hiking. A flight cancelled by ash is not a medical claim: it falls under the cancellation section of a holiday package policy, if you have one, and under your airline’s rebooking rules otherwise. Check the official alert level before a trek; no policy reimburses a climb cancelled by the authorities.

Bali hospitals and what treatment costs

Bali is the best-served island in Indonesia for a foreign patient, which is why serious cases from Lombok, Flores and the Gilis are flown here first. The hospitals foreign visitors use are in and around Denpasar, Kuta and Nusa Dua: Siloam Hospitals Denpasar, BIMC in Kuta and Nusa Dua, Bali Royal Hospital, Kasih Ibu, and the public RSUP Prof. Ngoerah (Sanglah), which is where the island’s trauma cases and its hyperbaric chamber are. Our guide to the best hospitals in Bali for foreigners describes each one, with addresses and what they are good at.

Three things to know before you need one. The numbers: dial 118 for an ambulance, 119 for a medical emergency, 110 or 112 for the police and 113 for the fire brigade (Smartraveller, read 5 October 2026); in practice a taxi or a Grab to the nearest private hospital is often faster than waiting for an ambulance in Canggu traffic. The deposit: private hospitals ask for a card imprint or a guarantee of payment from your insurer before admission, so call the assistance number on your policy before you arrive, or from the waiting room; SafetyWing, Genki and IMG all arrange direct payment with the hospital. The limits: Bali’s private hospitals handle fractures, dengue, infections and surgery well; complex cardiac, neurological and intensive-care cases are stabilised and flown to Singapore.

Published prices at Bali private hospitals, read on the hospitals’ own pages (dates in brackets):

• BIMC Siloam Nusa Dua, shared room, per night: IDR 665,000 (price page dated 9 April 2024)
• Bali Royal Hospital, Royal Queen A room (lowest class listed), per night: IDR 1,200,000 (price list updated 11 October 2023)

None of these hospitals publishes a price for a consultation or an emergency visit, so we do not quote one. For a full picture of a hospital stay, a scan and a specialist, read our page on healthcare costs in Indonesia without insurance. The short version: one night in a private room with imaging already costs more than a year of SafetyWing cover.

Medical evacuation from Bali to Singapore

When a Bali hospital cannot treat a case, the patient goes to Singapore by air ambulance, about two and a half hours in the air plus the ground transfers at each end. This is the bill that defines what “enough cover” means in Bali: GOV.UK puts evacuations from Indonesia in the tens of thousands of pounds (updated 30 September 2026), and that is before the Singapore hospital stay. SafetyWing covers evacuation up to $100,000 on top of the medical limit; Genki includes it in the €1,000,000; IMG Patriot includes it per the plan wording. The insurer’s assistance company organises the flight, the receiving hospital and the guarantee of payment; your part is to have called them early. How the decision is made, who flies with you and what happens to a travelling companion are on our page on medical evacuation from Bali to Singapore.

Health risks in Bali your policy should match

The risks below are listed by the UK’s TravelHealthPro for Indonesia (read 5 October 2026). None of them changes which plan you buy; they explain why the medical limit and the evacuation clause matter more than the price difference between two plans.

• Dengue is present all year and transmitted by mosquitoes that bite during the day. A dengue admission, three to five nights on a drip with daily blood tests, is the most common medical claim from Bali after scooter accidents.
• Rabies is present on Bali, including in dogs and monkeys. A bite or a scratch, at the Ubud monkey forest or from a beach dog, means a hospital visit within 24 hours for vaccine and, if needed, immunoglobulin; the larger Denpasar hospitals stock it, small clinics do not.
• Japanese encephalitis is a year-round risk in rural areas.
• Malaria risk is low on Bali and Lombok, and none in Jakarta; it is high in Papua, which matters only if your trip continues east.
• Food, water and heat: traveller’s diarrhoea and dehydration are the everyday reasons for a clinic visit. They are covered; note that Genki’s €50 deductible applies to each outpatient case.

What these plans do not cover in Bali

• Scooter riding without a valid licence, without a helmet, or after drinking. The three exclusions behind most refused Bali claims.
• Pre-existing conditions. SafetyWing Essential and Genki exclude treatment of conditions you already had; IMG Patriot covers the acute onset of a pre-existing condition under age 70. If you take a daily medication, write to us before buying.
• Trip cancellation, delays and lost luggage. SafetyWing Essential, Genki and IMG Patriot are medical policies. For a cancelled villa or a lost surfboard you need a holiday package policy or the airline’s declared-value option.
• Diving beyond your certification, competitions, and freediving records.
• Routine care: dental check-ups, vaccinations and chronic treatment are not travel insurance.
• Injury while working if your visa does not allow work; check the wording if you plan to teach a surf lesson or a yoga class.

Cover for the Unexpected

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We don’t represent World Nomads, we receive a fee from quotes using this link. This is not a recommendation to buy travel insurance.

How a Bali claim actually works

1. Call the assistance line first, before treatment if you can, from the hospital if you cannot. The number is on your policy document and in the insurer’s app. This is the step that turns a reimbursement into a direct payment and saves you the deposit.
2. Keep every piece of paper: the itemised hospital invoice in rupiah, the doctor’s report, prescriptions, receipts for medicines and taxis, and for any road accident the police report (surat keterangan) from the nearest police station, requested the same day.
3. Photograph everything at the hospital, including the scooter, the helmet and your licence if a bike is involved.
4. File online within the deadline: SafetyWing and Genki take claims through their apps with photos of the documents; IMG through its online portal. Direct payments for admissions are settled between the hospital and the insurer; outpatient costs are reimbursed after you upload the documents.
5. If a file stalls, write to us with the claim number. We have no power over the insurer, but we know which questions unblock a file.

Aged 70 or more, or staying in Bali more than a year?

SafetyWing Essential and Genki Traveler both stop at age 69. From 70, the plan we point to is IMG Patriot, priced by age and trip length on quote, with a Platinum version whose $8 million medical limit is the kind of ceiling that covers an evacuation to Singapore and a week in intensive care there.

Get an IMG quote →

Over 80, or with a condition that needs regular treatment, the online plans will not quote you, but an insurer still can. Tell us your age, your dates and your health situation → We reply ourselves, within 2 hours, with the plan that fits you.

Staying more than a year, on a KITAS, a retirement visa or a second home visa? Travel insurance is the wrong product: it is priced for trips and renews at the insurer’s discretion. Read our guides to insurance for KITAS holders and to health insurance in Indonesia for annual plans with outpatient cover.

Travel insurance Bali: your questions answered

Is travel insurance mandatory for Bali?

No. The e-Visa portal does not list insurance among the documents required for the Visitor Visa or the Visa on Arrival (checked 3 October 2026), and neither Smartraveller nor GOV.UK mention it as an entry condition. Hospitals, however, will ask you to pay or to prove you are insured before admitting you.

What is the best travel insurance for Bali?

For most trips up to age 69 without a scooter, SafetyWing Essential ($62.72 per 4 weeks at 18-39, $250,000 medical, no deductible). For scooter riders and stays of 6 months or more, Genki Traveler (from €52.50 per month at 18-29, €1,000,000). For ages 70 to 80, IMG Patriot on quote.

How much does travel insurance for Bali cost?

SafetyWing Essential costs $62.72 per 4 weeks at 18-39, $102.76 at 40-49, $161.28 at 50-59 and $218.96 at 60-69 (read 17 October 2026). Genki Traveler costs €52.50 per month at 18-29, €63.90 at 30-39, €79.80 at 40-49, €109.80 at 50-59 and €168.30 at 60-69 (read 5 October 2026). IMG Patriot is priced on quote.

Does travel insurance cover scooter accidents in Bali?

SafetyWing and Genki do, if you hold a licence valid for the vehicle (an International Driving Permit with the motorcycle category, or an Indonesian licence), wear a helmet and have not been drinking. Without the licence the claim can be refused. Genki’s wording is the most explicit on two-wheelers.

Can I buy travel insurance after arriving in Bali?

Yes. SafetyWing, Genki and IMG all sell to travellers who are already abroad, and you choose the start date at checkout.

Does travel insurance cover surfing in Bali?

SafetyWing covers surfing with the Adventure Sports add-on; Genki covers sports according to its exclusion list. Reef cuts that get infected are the usual surf claim, and both plans pay for the treatment.

What happens if I need to be evacuated from Bali?

Your insurer’s assistance company organises an air ambulance to Singapore, the receiving hospital and the guarantee of payment. SafetyWing covers evacuation up to $100,000, Genki within its €1,000,000, IMG per its wording. Call the assistance line as early as possible; the decision to evacuate is made between the treating doctor and the insurer’s medical team.

Which travel insurance covers a family trip to Bali?

SafetyWing Essential includes one young child free per insured adult within the limits of its wording; Genki insures children from birth at their own rate. The comparison for a family of four is on our page on family travel insurance for Indonesia.

Which plan fits travellers over 60 going to Bali?

From 60 to 69, SafetyWing Essential ($218.96 per 4 weeks) or Genki (€168.30 per month). From 70, IMG Patriot on quote. Over 80, write to us.

What emergency numbers should I know in Bali?

118 for an ambulance, 119 for a medical emergency, 110 or 112 for the police, 113 for the fire brigade (Smartraveller, read 5 October 2026). Save your insurer’s assistance number as well: it is the one that gets a hospital to admit you without a deposit.

Before you fly to Bali: a 6-point checklist

1. Buy your policy before departure if you want cover for the flight and the first day; SafetyWing and Genki also sell after you land.
2. Save the insurer’s assistance number and your policy number in your phone and on paper.
3. If you will ride a scooter, get the International Driving Permit with the motorcycle category before you leave home, and wear a helmet from day one.
4. Tick the Adventure Sports add-on on SafetyWing if you will surf, dive or trek Batur.
5. Check the end date: SafetyWing renews every 4 weeks until you stop it; Genki runs for the months you chose.
6. Note which Denpasar hospital your insurer works with before you need it.

Still not sure? Tell us your trip, your age and your activities → We reply ourselves, within 2 hours, with the plan that fits you.

Sources

• SafetyWing, Essential plan pages and price calculator, read 17 October 2026.
• Genki, Traveler product page, policy guide and price calculator, read 5 and 17 October 2026.
• IMG, Patriot brochure and plan pages (imglobal.com), read 5 October 2026.
• Indonesian Immigration e-Visa portal, Visitor Visa and Visa on Arrival requirements, checked 3 October 2026.
• Smartraveller (Australian Government), Indonesia travel advice, read 5 October 2026.
• GOV.UK, Indonesia health advice, updated 30 September 2026.
• TravelHealthPro (NaTHNaC), Indonesia country page, read 5 October 2026.
• Hospital price lists as dated in the text.

This page is for information. It is not advice on your individual situation and does not replace the policy wording, which prevails. We are affiliated with SafetyWing, Genki and IMG and receive a commission on purchases made through our links.