Travel Insurance Indonesia: The Honest Guide for Bali Tourists

This guide covers Indonesia outside Bali: Java, Lombok, Sumatra, Sulawesi, Flores, Komodo, Raja Ampat and the rest of the archipelago. If your whole trip is Bali, read our travel insurance for Bali guide, which deals with Bali hospitals, Canggu scooters and the Nusa islands. 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 Indonesia?

Legally, no. 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). The Australian government’s travel advice for Indonesia does not mention insurance as a condition of entry either (Smartraveller, read 5 October 2026). A 2022 announcement about mandatory cover was a temporary COVID measure and is no longer applied at the border.

Practically, yes, for one reason: Indonesian hospitals treat foreigners as private patients. There is no public system you can fall back on, and international hospitals ask for a deposit or a guarantee of payment before admitting you for anything serious. The UK Foreign Office warns that medical evacuation from a remote part of Indonesia can cost tens of thousands of pounds (GOV.UK, health advice for Indonesia, updated 30 September 2026). Outside the big cities, the same source notes that medical facilities are limited and that serious cases are evacuated to Jakarta, Bali or Singapore.

So the question is not whether you need a policy but which one. If you want the short version of the legal position, our page do you need travel insurance for Bali? covers the entry rules in detail, and they are the same for the whole country.

How we chose these plans

We only recommend plans we have read the policy wording of, that sell online to travellers already abroad, and that pay hospitals in Indonesia directly or reimburse within weeks. We compared SafetyWing, Genki and IMG on five points: the medical limit, the deductible, whether a scooter accident is covered, the maximum age, and the price for a 35-year-old and a 65-year-old on a one-month trip. We check prices on the insurers’ own pages every week and date them on this page.

We do not list every travel insurer sold in your home country. Many of them exclude Indonesia’s two most common claims, scooter accidents and reef cuts from surfing, or cap medical cover at a level that does not survive an evacuation. The three plans below were chosen because they handle those two risks and because each one is the best fit for one kind of trip:

• SafetyWing Essential for trips of a few weeks to a few months, bought by the 4-week period and cancellable at any time.
• Genki Traveler for stays of 6 months and more, and for anyone who will ride a scooter, because its wording covers two-wheelers when you hold the right licence.
• IMG Patriot for travellers aged 70 to 80, an age that SafetyWing Essential (up to 69) and Genki (up to 69) do not insure.

Travelling with children? Read family travel insurance for Indonesia. Aged 60 or more? Our guide to travel insurance for seniors in Indonesia (60+) goes through the age limits plan by plan.

SafetyWing vs Genki vs IMG for Indonesia

Prices read on safetywing.com on 17 October 2026, on genki.world on 5 October 2026 and on imglobal.com on 5 October 2026. SafetyWing prices are per 4-week period, Genki prices per calendar month, so a 30-day trip costs slightly more than one SafetyWing period.

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

Price by age: the SafetyWing and Genki tables

SafetyWing Essential, price per 4 weeks, worldwide excluding the United States, read on 24 October 2026:

Genki Traveler, price per month, worldwide with limited cover in the United States and Canada, read on 24 October 2026:

Full cover in the United States and Canada costs €45.60 more per month with Genki; you do not need it for Indonesia. 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, and you get it in two minutes on the IMG quote page.

Two things the price tables do not show. SafetyWing Essential renews automatically every 4 weeks until you cancel, so a 5-week trip costs two periods unless you set an end date. Genki is sold by the month with a minimum of one month and a maximum of twelve; for stays beyond a year, see the section on long stays below.

Each plan in brief

SafetyWing Essential

SafetyWing Essential is bought online in a few minutes, before or after you leave home, and runs in 4-week periods that renew until you cancel. The medical limit is $250,000 with no deductible, emergency evacuation is covered up to $100,000, and the policy includes a limited period of cover during visits to your home country (see the SafetyWing wording for the exact number of days). It is available up to age 69. Adventure sports such as surfing and scuba diving are covered with the Adventure Sports add-on, which you tick at checkout. Scooter accidents are covered when you hold a licence valid for the vehicle and wear a helmet. Trip cancellation is not part of Essential: it is a medical travel policy, not a holiday package.

Get a SafetyWing quote →

Genki Traveler

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 and the deductible is €50 per case, waived for hospital stays. Cover in your home country is limited to emergencies, during the first 6 weeks of a visit home and only after you have spent at least 4 weeks abroad (Genki guide, read 17 October 2026). Scooter and motorbike accidents are covered when you hold the licence required for the vehicle in Indonesia. Genki is the plan we point to for stays of 6 months and more and for anyone who will ride a scooter, because its wording is explicit on both points.

See the Genki price →

IMG Patriot

IMG Patriot is an American travel medical plan sold by the day, with a Lite version (medical limit up to $1 million) and a Platinum version (up to $8 million), and a deductible you choose, from $0, with several levels on each plan (imglobal.com, read 5 October 2026). Acute onset of a pre-existing condition is covered for travellers under 70. The maximum age and the premium are given on quote: this is the only one of the three plans that insures travellers aged 70 and over, which is why it is here.

Get an IMG quote →

What these plans do not cover in Indonesia

Read the exclusions before you buy, because the three most common claims in Indonesia all sit close to one:

• Riding a scooter without the right licence. Every plan on this page requires a licence valid for the vehicle: an Indonesian licence or an International Driving Permit with a motorcycle category. Smartraveller is explicit that your insurer may refuse the claim if you do not have one (read 5 October 2026). A car licence alone is not enough for a 125 cc scooter.
• Riding without a helmet, or after drinking. Helmets are compulsory in Indonesia and both exclusions are standard across the three plans.
• 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 and lost luggage. SafetyWing Essential and Genki are medical policies. If you want cancellation, baggage and delay cover, you need a holiday package policy on top, or instead, for a short trip.
• Diving beyond your certification depth, and freediving competitions. Recreational scuba diving is covered by SafetyWing with the Adventure Sports add-on; serious divers heading to Komodo or Raja Ampat should read the section on activities below.
• Routine care. Dental check-ups, vaccinations and chronic treatment are not covered by any travel policy.

Cover for the Unexpected

World Nomads travel insurance has been designed by travelers for travelers, with coverage for more than 150 activities as well as emergency medical, lost luggage, trip cancellation and more.

Get a World Nomads quote →

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

Medical plan, holiday package or annual policy: which type do you need?

Three kinds of policy are sold under the name “travel insurance”, and most disappointed claims come from buying the wrong kind, not the wrong brand.

• Travel medical plans (SafetyWing Essential, Genki Traveler, IMG Patriot) pay for treatment, hospital stays and evacuation while you are abroad. They are sold by the week, the month or the day, you can buy them after departure, and they are the right product for anyone whose main worry is a hospital bill in Indonesia. They do not refund a cancelled flight.
• Holiday package policies, sold in your home country when you book a trip, bundle trip cancellation, baggage, delays and a medical section. The medical limits are often lower, scooter and surfing are often excluded, and most of them cannot be bought once you have left home. They suit a two-week holiday booked months in advance with non-refundable flights and hotels.
• Annual multi-trip policies cover several short trips a year, usually with a maximum trip length of 30 to 90 days, which rules them out for a long stay in Indonesia and often for anyone over 65 or 70.

Our rule of thumb for Indonesia: if your flights are refundable or cheap, a travel medical plan alone is enough and is usually cheaper; if you have paid thousands in advance, add a package policy for the cancellation section and keep the medical plan for the hospital, because the package’s medical limit rarely survives an evacuation. If you are not sure which type fits your booking, tell us your dates and what you have paid → We reply ourselves, within 2 hours, with the plan that fits you.

Trip cancellation, baggage and delays: what the medical plans leave out

SafetyWing Essential, Genki Traveler and IMG Patriot are travel medical plans. None of them refunds a cancelled trip, a missed connection or a lost suitcase, and we would rather say so here than let you find out at the claim stage. Here is how to cover those risks without overpaying.

Cancellation. Indonesia’s two cancellation risks are volcanic ash closing an airport (Bali, Lombok and Yogyakarta have all closed for days in past eruptions) and illness before departure. A package policy covers the second; the first depends on the wording, so read the natural-disaster clause before paying for it. After past ash closures, airlines rebooked passengers on later flights, so the real exposure is the hotels you have prepaid. Check whether yours are refundable before paying for a cancellation section you may not need.

Baggage. Surfboards and dive gear are the items that matter. Package policies cap sports equipment at a few hundred dollars per item; for a board worth more, a dedicated equipment policy or the airline’s declared-value option is better value than a travel policy. Keep receipts and photographs of the gear before you fly.

Delays and missed connections. Domestic flights in Indonesia are often late, and a missed connection between Jakarta, Labuan Bajo and a liveaboard departure is a real risk. Package policies pay a fixed sum after a set delay, stated in hours in the wording; medical plans pay nothing. Build a buffer day into the itinerary instead: it costs less than the premium and works every time.

Personal liability. If you injure someone on a scooter, a package policy’s liability section may respond; the medical plans do not. Indonesian third-party cover for rental scooters is minimal, and the practical answer is the same as for the medical risk: licence, helmet, no alcohol, and a written rental agreement.

Scooters, surf, volcanoes and diving: what Indonesia adds to the risk

Scooters and motorbikes

A scooter is how most visitors get around Lombok, Flores, Sumatra and Java, and it is the single most common reason a traveller ends up in an Indonesian hospital. Three rules decide whether your insurer pays: a licence valid for the vehicle (Indonesian licence or International Driving Permit with the motorcycle category), a helmet, and no alcohol. Smartraveller adds that police checks of foreign riders are frequent and that fines are paid on the spot (read 5 October 2026). Of the three plans here, Genki Traveler has the clearest wording on two-wheelers, which is why it is our pick for riders. If Bali is your base, our scooter insurance for Bali guide goes through the police stops, the licence office in Denpasar and what a Canggu crash actually costs.

See the Genki price →

Surfing

Reef cuts, fin cuts and a wipeout on a shallow break are the surf claims that come back most often from Lombok, the Mentawai and Sumbawa. 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. Our dedicated guide to surf travel insurance for Indonesia compares the two wordings line by line and explains how an evacuation from the Mentawai to Padang is organised.

Volcanoes and trekking

Indonesia has around 120 volcanoes, 76 of them active (Smartraveller, read 5 October 2026). Rinjani on Lombok, Bromo and Ijen on Java, and Kerinci on Sumatra are trekked every day of the dry season. Trekking at these altitudes is covered by the three plans as ordinary hiking; what matters is the evacuation clause, because a helicopter from Rinjani’s crater rim is the kind of bill that only a medical limit in the hundreds of thousands absorbs. Check the official alert level before you climb: eruptions close trails at short notice and no policy reimburses a trek cancelled by the authorities.

Scuba diving

Komodo, Raja Ampat, Bunaken and the Banda Sea are among the best dive sites in the world, and also among the most remote: the nearest recompression chamber can be a day away. Recreational diving is covered by SafetyWing with the Adventure Sports add-on, within the limits of your certification. Divers doing a liveaboard or more than a handful of dives 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.

Getting treated in Indonesia outside Bali

Three things to know before you need a hospital. First, 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 an ambulance can be slow outside the cities; a taxi or a hotel car to the nearest private hospital is often faster, and your insurer’s assistance line will tell you which hospital it works with. Second, the deposit: private hospitals ask for a card imprint or a guarantee of payment from your insurer before admission. Call the assistance number printed on your policy before you arrive or as soon as you can; SafetyWing, Genki and IMG all arrange direct payment with the hospital. Third, the limits of care: outside Jakarta, Surabaya, Yogyakarta and Bali, serious cases are stabilised and flown out. GOV.UK lists the following facilities (list of medical facilities in Indonesia, updated 9 July 2026):

• Jakarta: Medistra Hospital, Pondok Indah Hospital, SOS Medika clinics and the International SOS medevac service.
• Yogyakarta: Jogja International Hospital, RS Bethesda and the RSUP Dr Sardjito public hospital.
• Lombok: Siloam Hospitals Mataram and the West Nusa Tenggara provincial hospital in Mataram.
• Bali: see our guide to the best hospitals in Bali for foreigners.

None of the hospitals above publishes a price for a consultation or an emergency visit, so we do not quote one. For a full picture of what a hospital stay and an evacuation cost, read our page on healthcare costs in Indonesia without insurance. The short version: a single night in a private room, a scan and a specialist already add up to more than a year of SafetyWing cover, and an evacuation to Singapore starts at the price of a small car.

Health risks in Indonesia 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, but they explain why the medical limit and the evacuation clause matter more than the price difference between two plans.

• Dengue is present throughout the country, all year, and transmitted by mosquitoes that bite during the day. A dengue admission is the most common medical claim from Indonesia after road accidents.
• Rabies is present, including in domestic dogs and cats; a bite or a scratch means a hospital visit within 24 hours for vaccine and, if needed, immunoglobulin, which only larger cities stock.
• Japanese encephalitis is a year-round risk in rural areas.
• Malaria: high risk in Papua and West Papua, low risk on Bali, Lombok, Java and Sumatra, no risk in Jakarta. If you are heading east, discuss prophylaxis with a travel clinic before you go.
• Heat, sun and food: dehydration and traveller’s diarrhoea are the everyday reasons for a clinic visit; they are covered, but the deductible on Genki (€50 per case) applies to each outpatient visit.

Indonesia region by region: where the risk, and the right cover, change

Indonesia is 17,000 islands and the distance to the nearest proper hospital is the variable that matters most. The same policy that is comfortable in Yogyakarta is thin in the Banda Sea. Here is how we read the map, using the facts from GOV.UK, Smartraveller and TravelHealthPro cited above.

• Java (Jakarta, Yogyakarta, Bromo, Ijen): the best-served part of the country, with the private hospitals listed above in Jakarta and Yogyakarta. No malaria in Jakarta, low risk elsewhere on the island. A standard medical plan is enough; the volcano treks on Bromo and Ijen are covered as hiking.
• Lombok and the Gili islands: one private hospital of international standard in Mataram (Siloam) and the provincial hospital; the Gilis have clinics only, and a serious case crosses to Lombok or flies to Bali. Rinjani is the trek where an evacuation can cost the most. Low malaria risk. Scooter rules apply as everywhere.
• Flores, Komodo and Labuan Bajo: the gateway to Komodo has small clinics; anything serious is flown to Bali. This is where the evacuation clause of your policy earns its premium and where divers should add DAN Europe for chamber cover.
• Sumatra (Medan, Lake Toba, the Mentawai): large distances, limited facilities outside Medan, and the Mentawai surf camps are a boat and a flight from the nearest hospital. Low malaria risk on the main island. Surfers should read the dedicated surf guide linked above.
• Sulawesi, Maluku and the Banda Sea: remote diving and trekking, few hospitals, long evacuations. A medical limit of at least $250,000 and an explicit evacuation clause are the minimum.
• Papua and West Papua (Raja Ampat): high malaria risk according to TravelHealthPro, and the most remote dive sites in the country. Plan prophylaxis with a travel clinic, add DAN Europe if you dive, and choose the highest medical limit you can: this is the one region where IMG Patriot Platinum’s $8 million ceiling is not excessive.

Whatever the region, the practical sequence is the same: save the assistance number, know the nearest hospital your insurer works with, and call before you are admitted.

How to make a claim from Indonesia

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.
2. Keep every piece of paper: the hospital invoice itemised in rupiah, the doctor’s report in English or Indonesian, prescriptions, receipts for taxis and medicines, and the police report for any road accident (ask for the surat keterangan at the local police station the same day).
3. Photograph everything at the hospital: the invoice, your passport stamp, the scooter and the 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 something 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 more than a year?

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

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 guide to health insurance in Indonesia for annual plans with outpatient cover, and our page on insurance for digital nomads in Indonesia if you work remotely from Jakarta, Lombok or Yogyakarta.

Travel insurance for Indonesia: frequently asked questions

Is travel insurance mandatory for Indonesia?

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. Details on our page do you need travel insurance for Bali?

Which travel insurance should you choose for Indonesia?

For a trip of a few weeks, SafetyWing Essential ($62.72 per 4 weeks at 18-39, $250,000 medical, no deductible). For 6 months or more, or if you ride a scooter, Genki Traveler (from €52.50 per month at 18-29, €1,000,000). For ages 70 to 80, IMG Patriot on quote. The comparison table above gives the limits side by side.

How much does travel insurance for Indonesia 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 Indonesia?

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

Can I buy travel insurance after arriving in Indonesia?

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

Do I need separate insurance for diving or surfing in Indonesia?

SafetyWing covers surfing and recreational scuba diving with the Adventure Sports add-on, within your certification. Genki covers sports according to its exclusion list. For liveaboards and remote sites such as Raja Ampat, add DAN Europe for chamber treatment and dive evacuation. See our guides to surf travel insurance and diving insurance for Indonesia.

What is the best travel insurance for seniors going to Indonesia?

Up to 69, SafetyWing Essential ($218.96 per 4 weeks at 60-69) or Genki (€168.30 per month at 60-69). From 70, IMG Patriot on quote. Our guide to travel insurance for seniors in Indonesia (60+) goes through the age limits and pre-existing conditions in detail.

Which travel insurance covers a family trip to Indonesia?

SafetyWing Essential includes one young child free per insured adult, within the limits set in its wording; Genki insures children from birth at their own rate. Our page on family travel insurance for Indonesia compares the two for a family of four.

What emergency numbers should I know in Indonesia?

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 in your phone as well: it is the one that gets a hospital to admit you without a deposit.

Is Bali different from the rest of Indonesia for insurance?

The policies are the same; the risks and the hospitals are not. Bali has several international hospitals and a well-practised evacuation route to Singapore; Lombok, Flores and Sumatra have far fewer facilities and longer evacuations. If your whole trip is Bali, read our travel insurance for Bali guide.

Before you fly: 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 arrival.
2. Save the insurer’s assistance number and your policy number in your phone and on paper.
3. If you will ride a scooter, carry a licence valid for the vehicle and buy or borrow a proper helmet on day one.
4. Tick the Adventure Sports add-on on SafetyWing if you will surf, dive or trek a volcano.
5. Check the end date: SafetyWing renews every 4 weeks until you stop it, Genki runs for the months you chose.
6. Write down the hospital your insurer works with in the first city you land in, 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) and list of medical facilities in Indonesia (updated 9 July 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.