DIGITAL NOMAD INSURANCE INDONESIA • UPDATED JANUARY 2026
Digital Nomad Insurance Indonesia: The Complete Bali Guide
Working remotely from Bali? Here’s everything you need to know about insurance — scooter coverage, medical evacuation, visa requirements, and which plans actually work for location-independent workers.
📋 Response within 24 hours — no sales pressure
· Prices and coverage verified
⚡ QUICK ANSWER
Which insurance is best for digital nomads in Bali?
It depends if you’re riding a scooter. Insurance is NOT required in Indonesia — but with zero public healthcare and $50K+ medevac costs, it’s essential. Here’s the breakdown:
🥇 Genki Traveler – Best for Scooter Riders
€52/month • ONLY insurer covering 125cc without license • €1M medical • Mental health included
🥈 SafetyWing – Best Budget Option
$56/month • Monthly subscription • Cancel anytime • 50cc scooter only (or 125cc with license)
🥉 IMG Global – Best for Long-term / Families
$100-250/month • Comprehensive international • Direct billing • Pre-existing options
Not sure which plan fits your situation?
Tell us your plans → Free recommendation
⚡ Most requests answered within 4 hours
📊 KEY FACTS: DIGITAL NOMAD INSURANCE INDONESIA (2026)
Is insurance required for nomads?
No — NOT mandatory for any visa. But zero public healthcare for foreigners.
How much does nomad insurance cost?
$56-$80/month for comprehensive plans. Genki €52/mo, SafetyWing $56/mo.
Do policies cover scooters?
Most do NOT. Genki = only option for 125cc without license. SafetyWing = 50cc only (or 125cc with license).
What does a scooter accident cost?
$5,000-$50,000+ out of pocket. Medevac to Singapore: $55,000-$150,000.
What about the E33G Digital Nomad Visa?
1 year visa (renewable). $60K/year income required. Insurance recommended but not mandatory. Details →
📌 TL;DR – WHICH PLAN FOR YOU?
🛵 Riding Scooter (no moto license)? → Genki Traveler (€52/mo — ONLY option)
💻 No Scooter / Have Moto License? → SafetyWing ($56/mo — best value)
👨👩👧 Family / Long-term (1+ year)? → IMG Global ($100-250/mo)
🤿 Also Diving? → Add DAN Europe (€69/year — hyperbaric included)
Not sure which fits your situation?
Tell us your situation → Free guidance
⚡ Response within 24 hours
$56
Per month from
#1
SE Asia nomad destination
$50K+
Medevac without insurance
⚠️ “Not required” ≠ “Not needed”
Indonesia has no mandatory insurance — which means many nomads arrive unprotected. In 2024, Bali Police recorded 142 traffic accidents involving foreign tourists. 86% of all Bali road accidents involve motorcycles. Don’t become a GoFundMe statistic.
✓ Why Trust This Guide
- • Written by digital nomads who’ve lived and worked in Bali
- • Policy details verified directly with insurers (January 2026)
- • Real cost data from BIMC and Siloam hospitals
- • No sponsored rankings — recommendations based on actual coverage
- • Updated monthly with current prices and visa requirements
Providers covered in this guide:
📋 WHAT’S IN THIS GUIDE
Affiliate Disclosure: We earn a commission if you purchase through our links, at no extra cost to you. This helps us maintain this free resource. Full disclosure
THE BASICS
What Is Digital Nomad Insurance?
Digital nomad insurance is health and travel coverage designed for remote workers who live abroad for extended periods — typically 1 to 12+ months. It sits between short-term travel insurance (designed for tourists) and traditional expat health insurance (designed for permanent residents).
If you’re working from Bali, Canggu, or Ubud while your employer is in New York, Berlin, or Sydney — you’re a digital nomad. And you need insurance that works for your lifestyle: flexible, international, and covering the specific risks you face.
📍 BALI: THE DIGITAL NOMAD CAPITAL OF SOUTHEAST ASIA
40M+
Digital nomads globally
#1
SE Asia nomad hub
$1,500
Avg monthly cost
13.9M
Visitors in 2024
Sources: MBO Partners, Nomad List, Statistics Indonesia (BPS) 2024
Nomad Insurance vs Travel Insurance vs Expat Insurance
Understanding the difference is crucial — the wrong type of coverage can leave you unprotected when you need it most.
| Feature | Travel Insurance | Nomad Insurance | Expat Insurance |
|---|---|---|---|
| Typical duration | 1–90 days | 1–12+ months | 1+ years |
| Fixed address required? | Yes (home country) | No ✓ | Yes (destination) |
| Multi-country coverage | Limited | Yes ✓ | Single country |
| Purchase while abroad | Usually no | Yes ✓ | Varies |
| Monthly subscription | No | Yes ✓ | Annual only |
| Typical cost | $3–$10/day | $56–$80/month | $100–$400/month |
| Best for | Short trips, tourists | Remote workers, freelancers | Long-term residents |
Who Needs Digital Nomad Insurance in Indonesia?
If any of these describe you, nomad insurance is the right choice:
Remote Workers in Bali (1–6+ months)
Working for a company abroad while based in Canggu, Ubud, or Seminyak. You need coverage that doesn’t require a fixed address and works across borders. Best options: SafetyWing or Genki Traveler.
Freelancers & Entrepreneurs
Running your own business while traveling. No employer-provided insurance, so you need to sort it yourself. Flexibility is key — monthly subscriptions work best.
Multi-Country Nomads
Bali today, Thailand next month, Vietnam after that. You need one policy that covers you everywhere, not separate insurance for each country.
E33G Remote Worker Visa Holders
Indonesia’s new Remote Worker Visa (launched April 2024) allows 1-year stays. While insurance isn’t mandatory, it’s recommended. Best options: IMG Global or Genki for longer stays.
Scooter Riders (Critical!)
Let’s be honest — you’re probably going to rent a scooter in Bali. Most policies exclude motorcycles. You need one that doesn’t. See scooter coverage section ↓
🚨 The Bali Reality Check: Scooter Accidents
In 2024, Bali Police recorded 142 traffic accidents involving foreign tourists. These resulted in 21 deaths and 171 injuries. The vast majority involved motorcycles — 86% of all road accidents in Bali.
The #1 insurance claim for nomads in Indonesia? Scooter accidents. Make sure your policy covers it — most don’t.
Source: Bali Police (Polda Bali) / Bali Nexus (November 2025)
📚 Related Guides
THE HARD TRUTH
Why You Need Insurance in Indonesia
Unlike Thailand (which requires insurance for certain visas), Indonesia has no mandatory insurance requirement for tourists or digital nomads. This creates a dangerous false sense of security. Many arrive thinking: “It’s not required, so it must not be that important.”
Here’s why that thinking is wrong — and expensive.
No Public Healthcare for Foreigners
Indonesia’s public hospitals (like RSUP Sanglah) are not available to foreign tourists. You must use private hospitals — BIMC, Siloam, Kasih Ibu — which charge international rates in USD. No government subsidies. No sliding scale. Full price, upfront, before treatment.
Cash Upfront — No Exceptions
Bali hospitals require payment before treatment. No deposit, no treatment. This isn’t a threat — it’s hospital policy. Without insurance, you’ll need $5,000–$10,000+ available immediately on a credit card or in cash for anything serious. Can you access that at 2am after a scooter crash?
Singapore Is 2.5 Hours Away
Bali’s hospitals can stabilize you, but for serious trauma, stroke, or cardiac emergencies, you’ll need evacuation to Singapore (nearest world-class care). Air ambulance cost: $55,000–$150,000. Commercial stretcher flight: $25,000–$30,000. This is where most insurance claims happen — and where most uninsured nomads face financial ruin.
The Scooter You’ll Probably Rent
Let’s be honest: you’re going to rent a scooter. Everyone does. 86% of all road accidents in Bali involve motorcycles. In 2024, 142 foreigners were involved in traffic accidents (21 deaths, 171 injuries). Most travel insurance policies explicitly exclude motorcycle accidents. If yours does, you’re riding uninsured.
⚠️ The GoFundMe Problem
Search “Bali accident GoFundMe” — you’ll find dozens of campaigns from travelers facing $50,000–$200,000 medical bills they can’t pay. Most had no insurance or inadequate coverage (scooter exclusions, low limits). Don’t assume it won’t happen to you. Insurance costs $56/month. Medical evacuation costs $150,000.
Other Risks You Might Not Have Considered
🦟 Dengue Fever
Endemic in Bali, especially during rainy season (Oct–Mar). Severe cases require hospitalization and IV fluids. Treatment cost: $1,000–$5,000.
🏄 Water Sports Injuries
Surfing accidents, reef cuts, diving decompression — Bali is an adventure destination. Many policies exclude “extreme sports” unless you add coverage.
🐕 Rabies (Bali is Endemic)
Dog and monkey bites require immediate post-exposure treatment. Available at BIMC but costs $200–$500 for the full series.
🥘 “Bali Belly”
Food poisoning is extremely common. Mild cases = pharmacy trip. Severe cases = ER visit, IV fluids, hospitalization. Cost: $500–$2,000.
💻 Theft & Electronics
Your laptop is your livelihood. Theft, damage, or loss can derail your work. Most nomad plans include electronics coverage up to $2,500–$5,000.
🌋 Natural Disasters
Indonesia sits on the Ring of Fire. Earthquakes, volcanic eruptions (Mt. Agung), tsunamis — trip interruption coverage matters here.
THE NUMBERS
Real Medical Costs in Bali (2025 Prices)
These are actual costs at Bali’s international hospitals (BIMC, Siloam, Kasih Ibu) as of late 2025. All prices in USD, payable upfront before treatment.
| Service | Cost (USD) |
|---|---|
| Doctor consultation | $40 – $100 |
| Emergency room visit (before treatment) | $100 – $250 |
| Blood test / lab work | $50 – $150 |
| X-ray / imaging | $100 – $250 |
| CT scan | $500 – $800 |
| Hospital room (per night, private) | $300 – $800 |
| ICU room (per night) | $1,000 – $2,500 |
| Minor surgery (stitches, fractures) | $500 – $1,500 |
| Major surgery (appendix, orthopedic) | $3,000 – $10,000+ |
| Ambulance (Denpasar area) | $100 – $200 |
| Medical evacuation to Singapore | $55,000 – $150,000 |
| Repatriation to home country | $60,000 – $200,000+ |
Sources: Jakarta Herald (Oct 2025), TripAdvisor testimonials, BIMC Hospital, Australian DFAT Smartraveller (repatriation costs)
5 Real-World Cost Scenarios
Here’s what actual medical situations cost in Bali — with and without insurance.
SCENARIO 1: MOST COMMON
🛵 Scooter Accident — Broken Leg
You hit a pothole in Canggu, fall off your scooter, and break your femur. You’re taken to BIMC by ambulance. You need surgery, 5 nights in hospital, and physical therapy before you can fly home.
Total cost without insurance
$12,000 – $18,000
Breakdown: Ambulance ($150) + ER ($200) + CT scan ($600) + Surgery ($4,500) + Room 5 nights ($3,000) + ICU 1 night ($1,500) + Medications ($500) + Physical therapy ($800) + Follow-up ($250)
With insurance (Genki or SafetyWing): $0 out of pocket. Hospital bills directly to insurer. Cost of 4 months coverage: ~$180
SCENARIO 2: CATASTROPHIC
🚨 Stroke — Air Ambulance to Singapore
You experience a sudden stroke. BIMC stabilizes you but lacks the neurosurgery capability for treatment. You need emergency air ambulance evacuation to Mount Elizabeth Hospital in Singapore.
Total cost without insurance
$85,000 – $180,000
Breakdown: BIMC stabilization ($5,000) + Air ambulance to Singapore ($55,000–$100,000) + Singapore hospital treatment ($25,000–$75,000)
With insurance: $0 out of pocket if you have adequate evacuation coverage ($250,000+). This is why evacuation limits matter.
SCENARIO 3: COMMON ILLNESS
🦟 Dengue Fever — 4-Day Hospitalization
You get dengue during rainy season. High fever, severe body aches. Blood tests show low platelet count. Doctor admits you for IV fluids and monitoring for 4 days until platelets recover.
Total cost without insurance
$2,500 – $4,500
Breakdown: ER visit ($150) + Blood tests x3 ($300) + Room 4 nights ($1,600) + IV fluids & medications ($400) + Doctor visits ($200)
With insurance: $0–$50 (depending on deductible). Dengue is a covered illness on all major plans.
SCENARIO 4: ADVENTURE ACTIVITY
🤿 Decompression Sickness — Hyperbaric Chamber
You’re diving at Nusa Penida, ascend too quickly, and develop decompression sickness. You need hyperbaric chamber treatment at Sanglah Hospital (the only facility in Bali with this equipment).
Total cost without insurance
$3,000 – $8,000
Breakdown: Emergency transport ($300) + Hyperbaric sessions ($1,500–$4,000) + Hospital stay ($1,000–$2,500) + Medications ($200)
⚠️ Warning: Standard travel insurance often EXCLUDES scuba diving below 18m (60ft). You need DAN Europe dive insurance or verify your policy covers diving.
SCENARIO 5: MINOR INJURY
🩹 Road Rash — ER Visit & Stitches
You slide off your scooter at low speed. Road rash on your arm and leg, needs cleaning, antibiotic cream, and a few stitches on your elbow. No fractures, no overnight stay.
Total cost without insurance
$300 – $800
Breakdown: ER visit ($150) + Wound cleaning & stitches ($100–$300) + Tetanus shot ($50) + Medications ($50–$100) + Follow-up visit ($50–$100)
This is the “best case” scooter accident. Manageable out of pocket, but still more than a year of insurance premiums ($540). Why risk it?
The Simple Math
$56
Monthly insurance premium
$150,000
Medical evacuation cost
One year of comprehensive nomad insurance costs less than a single ER visit in Bali.
PLAN COMPARISON
Insurance Plans for Digital Nomads in Indonesia
Here are the main insurance providers that offer coverage suitable for digital nomads staying in Indonesia. Each has different strengths — review the details carefully and visit the provider’s website for complete policy information before making your decision.
Quick Comparison: Nomad-Focused Plans
Note: This comparison includes only providers that allow detailed plan comparisons. Visit each provider’s website for current pricing and complete terms.
| Feature | SafetyWing Essential | Genki Traveler | IMG Global |
|---|---|---|---|
| Starting price | ~$56/4 weeks (age 18-39) | ~€64/month (age 35) | Varies by plan/age |
| Medical coverage | $250,000 | €1,000,000 | Up to $8,000,000 |
| Deductible | $0 | €0 or €50 option | $0–$2,500 options |
| Scooter coverage | ⚠️ License required | ✓ Up to 125cc without license | ⚠️ Varies by plan |
| Medical evacuation | $100,000 | Included (no cap) | Up to $500,000 |
| Trip duration | Up to 364 days (renewable) | 1–12 months | Up to 12 months |
| Buy while abroad | ✓ Yes | ✓ Yes | ✓ Yes |
| Monthly billing | ✓ Every 4 weeks | ✓ Monthly | ✗ Full trip upfront |
Which Plan Is Right for You?
IF YOU’RE RIDING A SCOOTER WITHOUT A LICENSE:
→ Genki Traveler is the only option that covers scooters up to 125cc without requiring a motorcycle license.
IF YOU WANT FLEXIBLE MONTHLY PAYMENTS:
→ SafetyWing operates on a 4-week subscription model. Cancel anytime, no long-term commitment.
IF YOU NEED HIGH COVERAGE LIMITS (E33G VISA):
→ IMG Global offers up to $8M in coverage, suitable for longer stays and higher-value protection.
IF YOU’RE DIVING IN INDONESIA:
→ Add DAN Europe to your main coverage. Essential for Komodo, Raja Ampat, and deep diving beyond 18m.
CRITICAL FOR BALI
Scooter Insurance Coverage: What You Need to Know
Let’s be honest: you’re probably going to rent a scooter in Bali. Everyone does. It’s the easiest way to get around Canggu, Ubud, and Seminyak. But here’s the problem — most travel insurance policies exclude motorcycle accidents.
This section breaks down exactly what’s covered, what’s not, and how to make sure you’re actually protected when (not if) you get on a scooter.
🚨 Bali Scooter Accident Statistics (2024)
86%
of all Bali road accidents involve motorcycles
142
foreigners in traffic accidents (2024)
21
deaths among foreign tourists
171
injuries recorded
Source: Bali Police (Polda Bali) / Bali Nexus (November 2025) | WHO Road Safety Report
The Problem: Most Policies Exclude Scooters
Standard travel insurance typically excludes motorcycle/scooter accidents in one of three ways:
❌ Exclusion Type 1: Total Exclusion
“Injuries sustained while operating or riding as a passenger on any motorcycle, scooter, or moped are not covered.” — This is common in basic travel insurance policies.
⚠️ Exclusion Type 2: License Requirement
“Motorcycle accidents are only covered if the insured holds a valid motorcycle license in their home country.” — SafetyWing and many others use this. If you only have a car license, you’re not covered.
⚠️ Exclusion Type 3: Engine Size Limit
“Coverage limited to motorcycles under 50cc/125cc.” — Some policies limit by engine size. Most Bali rentals are 110-125cc, so check carefully.
Scooter Coverage by Provider
Here’s exactly what each provider covers for motorcycle/scooter accidents:
| Provider | Scooter Covered? | License Required? | Engine Limit | Helmet Required? |
|---|---|---|---|---|
| Genki Traveler | ✓ YES | NO (under 125cc) | 125cc / 110 km/h | Yes (driver) |
| SafetyWing | ⚠️ CONDITIONAL | YES — motorcycle license required | No specific limit | Yes |
| IMG Global | ⚠️ VARIES | Check specific plan | Check specific plan | Check specific plan |
| Most Travel Insurance | ✗ NO | N/A | N/A | N/A |
🛵 Why Genki Traveler Stands Out for Bali
Genki Traveler is currently the only major nomad insurance that covers scooter accidents without requiring a motorcycle license — as long as the vehicle is under 125cc (which covers 99% of Bali rentals).
From Genki’s official policy:
“You are covered by Genki Traveler when driving a light motorcycle without a license. Definition Light Motorcycle: Any two-wheeled motor vehicle whose manufacturer-specified top speed does not exceed 110 km/h (about 68 mph) and that, if fitted with a combustion engine, has a displacement of 125cc or less.”
Requirements: You must wear a helmet as the driver. Passengers are covered even without helmet (but always wear one). No coverage if intoxicated or racing.
What’s NOT Covered (Any Provider)
❌ Damage to the Scooter
Travel insurance covers YOUR medical bills — not damage to the rental scooter. Get rental insurance from the shop or use a credit card with rental coverage.
❌ Third-Party Liability
If you hit a local’s scooter or injure someone else, your travel insurance won’t pay for their damages or medical bills.
❌ Driving Under Influence
If you’re intoxicated (alcohol or drugs), your claim will be denied. Period. No exceptions.
❌ Racing / Off-Road
Organized racing or unsupervised off-road driving is excluded. Normal fast driving on roads is covered.
✅ Scooter Safety Checklist for Bali
- ☐ Verify your insurance covers scooters — check the policy wording, not just the summary
- ☐ Always wear a helmet — required for coverage AND by Indonesian law
- ☐ Take photos of the scooter before renting — document existing scratches/damage
- ☐ Get rental insurance for damage — your travel insurance won’t cover the bike itself
- ☐ Carry your International Driving Permit (IDP) — technically required in Indonesia
- ☐ Don’t drink and drive — instant claim denial + serious legal consequences
- ☐ Save emergency numbers — BIMC: +62 361 761 263, Siloam: +62 361 779 900
Want the complete guide?
CRITICAL COVERAGE
Medical Evacuation: Why It’s the Most Important Coverage
Bali’s hospitals can handle many emergencies — but not everything. For serious trauma, stroke, cardiac events, or complex surgeries, you’ll likely need evacuation to Singapore, the nearest location with world-class medical facilities.
This is where the really big bills happen. And it’s why your evacuation coverage limit matters more than almost anything else in your policy.
📍 Medical Evacuation Routes from Bali
🇸🇬 BALI → SINGAPORE
- Flight time: 2.5 hours
- Air ambulance cost: $55,000 – $100,000
- Commercial stretcher: $25,000 – $30,000
- Hospitals: Mount Elizabeth, Raffles, NUH
- Best for: Most emergencies — trauma, cardiac, neuro
🇦🇺 BALI → AUSTRALIA
- Flight time: 4-6 hours (Perth/Darwin)
- Air ambulance cost: $100,000 – $200,000+
- Commercial stretcher: $40,000 – $60,000
- Hospitals: Royal Perth, Darwin Hospital
- Best for: Australian citizens (Medicare access)
🇮🇩 BALI → JAKARTA
- Flight time: 1.5 hours
- Air ambulance cost: $15,000 – $30,000
- Hospitals: Pondok Indah, Medistra
- Best for: Specialized surgery not available in Bali
- Note: Not world-class but better than Bali
🏝️ REMOTE ISLANDS → BALI/SINGAPORE
- Locations: Komodo, Gili, Raja Ampat, Lombok
- Multi-stage evacuation: $150,000 – $200,000+
- Challenge: No airports, boat + helicopter + plane
- Time: Can take 12-24+ hours
- Critical: Make sure policy covers remote areas
Medical Evacuation Coverage by Provider
| Provider | Evacuation Limit | Repatriation | Assessment |
|---|---|---|---|
| Genki Traveler | Unlimited | Included | ✓ Excellent |
| IMG Global | Up to $500,000 | Up to $50,000 | ✓ Excellent |
| SafetyWing Essential | $100,000 | $20,000 | ⚠️ Adequate for most |
| Budget Travel Insurance | $25,000 – $50,000 | Limited | ⚠️ May be insufficient |
💡 Our Recommendation for Indonesia
For Bali and mainland Indonesia, aim for at least $100,000 in evacuation coverage — enough for an air ambulance to Singapore. If you’re visiting remote islands (Komodo, Raja Ampat, Gili), look for $250,000+ to cover multi-stage evacuations. Unlimited evacuation coverage (Genki, IMG premium plans) is ideal if budget allows.
When Medical Evacuation Is Needed
Evacuation isn’t just for dramatic emergencies. Here are common scenarios that require transfer out of Bali:
Severe Trauma
Serious scooter accidents with multiple fractures, internal injuries, or head trauma requiring specialized surgery.
Stroke / Cardiac
BIMC can stabilize but complex interventions (brain surgery, cardiac catheterization) require Singapore facilities.
Burns
Severe burns require specialized burn units. Bali doesn’t have adequate facilities for serious burn treatment.
Spinal Injury
Potential spinal cord injuries need immediate specialized care to prevent permanent damage.
LEGAL STAY OPTIONS
Indonesia Visa Options for Digital Nomads
Indonesia offers several visa options for digital nomads, from short tourist stays to the new Remote Worker Visa. Here’s what you need to know — and how insurance requirements (or lack thereof) fit in.
📋 Summary: Insurance Requirements by Visa Type
| Visa Type | Duration | Insurance Mandatory? | Recommended Plan |
|---|---|---|---|
| VOA | 30-60 days | No | SafetyWing (subscription) |
| B211A | 60-180 days | No | SafetyWing or Genki (flexible) |
| E33G Remote Worker | 1-2 years | Recommended | IMG Global or Genki |
| Second Home | 5-10 years | Recommended | IMG Global annual or local insurance |
Sources: Indonesian Immigration (DGIM), EY Global, Fragomen, LetsMoveIndonesia. Visa rules change frequently — always verify current requirements before applying.
WHERE TO GO
Best Hospitals in Bali for Foreigners
If you need medical care in Bali, these are the hospitals that cater to foreign patients with English-speaking staff and international standards. Save these contacts — you’ll want them accessible if an emergency happens.
BIMC Hospital
⭐ ACHS Accredited (Australian Standards)
The most recognized hospital for foreigners in Bali. Three locations: Kuta, Nusa Dua, and Ubud. 24/7 emergency, English-speaking staff, works with 90+ insurance companies for direct billing.
📍 Locations & Emergency Numbers:
Kuta: +62 361 761 263
Nusa Dua: +62 361 3000 911
Ubud: +62 361 908 1111
Siloam Hospital
⭐ JCI Accredited
Part of Indonesia’s largest private hospital network. 24-hour emergency, modern facilities, multiple specialists. Generally slightly lower prices than BIMC with comparable quality.
📍 Location & Emergency:
Kuta: Jl. Sunset Road No. 818
Emergency: +62 361 779 900
🚨 Save These Emergency Numbers
General Emergency: 112
Ambulance: 118 / 119
Police: 110
BIMC Emergency: +62 361 761 263
Need more details?
Read: Best Hospitals in Bali for Foreigners — Complete Guide →
COMMON QUESTIONS
Frequently Asked Questions
Is travel insurance mandatory for Indonesia?
No. Unlike Thailand (which requires insurance for certain visas), Indonesia has no mandatory insurance requirement for tourists or digital nomads. However, this doesn’t mean you don’t need it — there’s no public healthcare available for foreigners, and you’ll pay full international rates at private hospitals. We strongly recommend coverage despite it not being legally required.
Does travel insurance cover scooter accidents in Bali?
Most standard travel insurance policies exclude motorcycle/scooter accidents. Some providers (like SafetyWing) cover scooters only if you have a valid motorcycle license from your home country. Genki Traveler is currently the only major nomad insurance that covers scooters up to 125cc without requiring a motorcycle license — which covers virtually all Bali rental scooters.
How much does medical evacuation from Bali cost?
Air ambulance evacuation from Bali to Singapore costs $55,000–$100,000. A commercial stretcher flight costs $25,000–$30,000. Evacuation to Australia costs $100,000–$200,000+. For remote islands like Komodo or Raja Ampat, multi-stage evacuations can exceed $150,000–$200,000. This is why adequate evacuation coverage ($100,000+ minimum, ideally $250,000+) is critical.
Can I buy insurance after I’ve already arrived in Indonesia?
Yes. Both SafetyWing and Genki Traveler allow you to purchase coverage while already abroad — a key feature for digital nomads. Most traditional travel insurance requires you to buy before leaving your home country. Coverage typically starts immediately or within 24 hours of purchase.
What’s the difference between SafetyWing and Genki?
Both are designed for digital nomads with monthly subscriptions and worldwide coverage. Key differences: SafetyWing is slightly cheaper (~$56/4 weeks vs ~€64/month) but requires a motorcycle license for scooter coverage. Genki has higher medical limits (€1M vs $250K), covers scooters without a license (up to 125cc), and includes mental health coverage. Choose Genki if you’ll ride scooters without a license; SafetyWing if you have a license and want the lowest cost.
What is the E33G Remote Worker Visa?
The E33G is Indonesia’s digital nomad visa, launched in April 2024. It allows remote workers to stay for 1 year (renewable once for 2 years total). Requirements include: employment contract with a foreign company (not freelance), minimum $60,000/year income, and $2,000 in savings. Insurance is recommended but not mandatory. Cost is approximately $600–$1,000 through an agency.
Do I need diving insurance for Indonesia?
If you’re scuba diving, yes — especially for dives deeper than 18m (60ft). Most travel insurance excludes recreational diving below this depth. For Indonesia’s world-class dive sites (Komodo, Raja Ampat, Nusa Penida), we recommend adding DAN Europe dive insurance to your main coverage. It specifically covers hyperbaric chamber treatment, which costs $3,000–$8,000+ out of pocket.
Which hospital should I go to in Bali?
For foreigners, BIMC Hospital (locations in Kuta, Nusa Dua, Ubud) is the most recognized option with Australian ACHS accreditation and English-speaking staff. Siloam Hospital in Kuta is also excellent (JCI accredited) and often slightly cheaper. Both work with international insurance for direct billing. Save their emergency numbers: BIMC +62 361 761 263, Siloam +62 361 779 900.
How much does a hospital visit cost in Bali without insurance?
At international hospitals like BIMC: doctor consultation $40–$100, ER visit $100–$250, X-ray $100–$250, CT scan $500–$800, hospital room $300–$800/night, ICU $1,000–$2,500/night. A serious scooter accident can easily cost $12,000–$18,000+. All payments are required upfront before treatment.
Can I use my credit card travel insurance in Indonesia?
Some premium credit cards include travel insurance, but coverage is typically limited (often $50,000 or less medical, minimal evacuation) and almost always excludes motorcycle/scooter accidents. Read the fine print carefully. For digital nomads staying months in Indonesia, dedicated nomad insurance provides much better protection than credit card coverage.
GET PROTECTED TODAY
Don’t Let a Medical Emergency Ruin Your Bali Dream
Insurance costs $56–$80/month. A scooter accident costs $12,000–$18,000. Medical evacuation costs $150,000. The math is simple.
60,000+
Nomads insured by Genki
180+
Countries covered
$0
Deductible options
CONTINUE READING
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Last updated: January 2026 | Information is believed to be accurate but policies change frequently. Always verify current terms with the insurance provider before purchasing.