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Travel Insurance for Bali and Indonesia from India 2026
Travel insurance for Bali or Indonesia protects you from medical costs, accidents, and common travel disruptions during your trip. It is useful for solo travellers, couples, families, and anyone planning activities across the island.
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Most travellers choose a coverage limit between $50,000 and $100,000 for short or mid-length holidays. Premiums start at around ₹290 for basic plans.
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What is Travel Insurance for Bali?
Travel insurance for Bali is an international travel insurance plan that protects Indian travellers from medical and non-medical emergencies during their trip to Bali and other parts of Indonesia. It covers sudden hospitalisation costs, injuries from common Bali activities like scooter rides and water sports, trip delays, and issues like baggage loss or passport misplacement.
Because Bali’s private healthcare can be expensive and many clinics require upfront deposits, this insurance acts as a financial safety net, ensuring you get timely treatment and support without worrying about unexpected costs.
Do Indians Need Travel Insurance for Bali-Indonesia?
Indian travellers do not need travel insurance to enter Bali, but having a policy is strongly advised because medical care, accidents from island activities, and last-minute travel issues can become expensive without protection. Insurance also helps you avoid upfront deposits at private clinics and gives you quick access to assistance if something goes wrong during your trip.
Below is a simple snapshot of the current entry rules in Indonesia for Indian visitors.
Why Should You Get Travel Insurance for Bali?
Travelling to Bali or any part of Indonesia often involves activities and environments that can create unexpected risks. A dedicated Bali or Indonesia travel insurance plan helps you stay prepared for situations that are common in the region and can otherwise lead to high expenses or disruptions during your trip.
Common Bali and Indonesia travel risks you should be aware of:
- Scooter Accidents: Scooters are one of the most popular ways to move around the island, but traffic rules, road conditions, and unfamiliar driving patterns can increase the chance of injury.
- Surfing and Water Sport Injuries: Beaches like Kuta, Canggu and Uluwatu attract travellers for surfing, diving, and snorkelling. These activities can lead to sprains, cuts, or other injuries that need immediate medical attention.
- Bali Belly and Mosquito-borne Illness: Food-related stomach infections and seasonal dengue cases are common among tourists, often requiring outpatient treatment or short medical visits.
- Volcanic Activity Disruptions: Occasional volcanic ash alerts can affect flights to and from Bali, which may lead to delays or cancellations.
- Island-to-island Flight Delays: Travellers who plan to visit nearby Indonesian islands often face delays due to weather or aircraft availability, which can impact the rest of the itinerary.
What Should Your Bali Travel Insurance Cover?
A Bali or Indonesia travel insurance plan must include several protections that help you manage unexpected situations related to health, travel disruptions, and essential documents during your trip. Each benefit is designed to support common traveller needs without complicating the process.
Medical Emergencies
- Covers treatment expenses if you fall sick or get injured while travelling in Bali or other parts of Indonesia
- Helpful for sudden health issues that require doctor visits or hospital care
Emergency Evacuation and Repatriation
- Provides support if you need to be moved to a better-equipped medical facility
- Also includes assistance for returning to India in medically necessary situations
Baggage Loss or Damage
- Offers compensation if your checked bags are lost, damaged, or delayed by the airline
Trip Cancellation Benefits
- Helps recover non-refundable costs when a covered event forces you to cancel your travel plans
Travel Delay Cover
- Supports you during long delays that disrupt your schedule due to weather or operational reasons
Adventure and Water Activity Cover
- Applies to selected activities that travellers often enjoy in Bali such as surfing, snorkelling, and guided water sports
Passport Loss Assistance
- Helps you with the cost and process of arranging a replacement passport while in Indonesia
What Extra Coverage Should You Look for When Visiting Bali?
Travel in Bali involves activities and conditions that need specific insurance support. These coverages help you handle common on-ground situations smoothly.
- Water Sports Coverage: Covers injuries during activities like surfing and snorkelling, so you do not have to worry about treatment costs.
- Scooter Riding Conditions: Valid licence, IDP, and helmet use are mandatory. Insurance applies only if local rules are followed.
- Hospital Deposit Support: Many hospitals ask for upfront deposits. Insurance helps you access treatment without arranging immediate funds.
- Outpatient Treatment: Covers common issues like Bali Belly, minor injuries, or infections, allowing quick treatment without major disruption.
How Do You Choose the Right Travel Insurance for Bali?
Not all travel insurance plans offer the same level of protection for Bali. Use these quick decision tools to identify gaps, assess risks, and match the right plan to your trip.
How Much Does Bali Travel Insurance Cost for Indians?
The cost of travel insurance for Bali or anywhere in Indonesia depends on factors like trip duration, number of travellers, and the coverage you select. Short trips usually need basic coverage, while longer stays or activity-heavy plans may require higher protection. If you are travelling as a group, choosing a family travel insurance plan can also help reduce the overall premium compared to buying individual policies.
Estimated Cost Breakdown for Bali and Indonesia Travel Insurance
Disclaimer: These are indicative price ranges for Bali and Indonesia travel insurance. Premiums may change based on age, coverage choice, trip duration, and the specific plan selected.
Digit Travel Insurance Plans for Indonesia
Digit provides two clear options that suit different travel styles and coverage needs, helping you choose the right level of protection for your itinerary. The plans below give you a quick snapshot of benefits so you can select the one that matches your trip.
| 1. Medical & Emergency Coverage | ||
| Coverage | Smart | Smart 360 |
| Medical Treatment and Evacuation | $50K–$500K | $50K–$500K |
| Pre-existing Disease (PED) | — | $5K–$10K |
| Room Rent Limit | $1K–$2K | $1K–$2K |
| Accidental Treatment and Evacuation | $50K–$500K | $50K–$500K |
| Dental Treatment | $300–$500 | $300–$500 |
| 2. Accident & Risk Covers | ||
| Coverage | Smart | Smart 360 |
| Personal Accident | — | $10K |
| Accidental Death and Disability Cover (Common Carrier) | — | $5K |
| Home-to-Home Cover | — | Covered |
| Hijack Distress Allowance | $100/day | $100/day |
| 3. Baggage & Documents | ||
| Coverage | Smart | Smart 360 |
| Checked-In Baggage Delay | $100 | $100 |
| Total Checked-In Baggage Loss | $500–$1K | $500–$750 |
| Passport / Document Loss | $250 | $300 |
| 4. Trip Protection | ||
| Coverage | Smart | Smart 360 |
| Trip Cancellation | — | $500–$750 |
| Trip Abandonment | — | $500–$750 |
| Trip Extension | $500 | $500–$1K |
| Escort of Minor | — | — |
| 5. Travel Delays & Transit | ||
| Coverage | Smart | Smart 360 |
| Common Carrier Delay | $25/4h (max $100) | Same |
| Missed Connection | — | $300–$1K |
| 6. Liability & Legal | ||
| Coverage | Smart | Smart 360 |
| Personal Liability & Bail Bond | — | $100K–$250K |
| 7. Emergency, Cash & Daily Benefits | ||
| Coverage | Smart | Smart 360 |
| Daily Cash Allowance (Max 5 days) | — | $50–$150/day |
| Emergency Cash Assistance | $500 | $500–$1.5K |
| 8. Property & Booking Protection | ||
| Coverage | Smart | Smart 360 |
| Bounced Booking (Flight/Hotel) | — | $500–$1K |
| Home Building / Contents | — | ₹1L–₹2L |
| 9. Travel Events & Specialty Covers | ||
| Coverage | Smart | Smart 360 |
| Cruise Evacuation | — | — |
| Missed Cruise | — | — |
| Adventure Sports (Activation) | — | — |
| Golfer’s Benefit | — | $300–$1K |
| 10. Worldwide Assistance | ||
| Coverage | Smart | Smart 360 |
| 24x7 Travel Assistance | ✔ | ✔ |
Note: Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverage as per your requirements. Please call us at 1800-258-5956 in case you want to opt for any other coverage or wish to know further details.
Which Digit Plan is Best for Your Bali Trip?
Choosing the right plan for your Bali or Indonesia trip depends on how you travel and the level of protection you want. Both Smart and Smart 360 are suitable for international trips, but each works better for a different type of traveller.
Choose the Smart Plan if you want simple and affordable protection
- Ideal for short holidays or budget trips
- Works well for travellers who only need coverage for essential medical and travel disruptions
- Suitable for quick getaways or first-time visits to Bali
Choose the Smart 360 Plan if you want wider coverage for varied travel plans
- Recommended for longer stays or island-hopping itineraries across Indonesia
- Better for travellers who want higher coverage, more benefits, and broader protection
- Useful for those planning activities that may need additional support during emergencies
What's Not Covered?
We believe in transparency; that’s why we want you to be aware of some situations we don’t cover. Understanding what your travel insurance does not cover is just as critical as knowing what is covered. The following are some exclusions that our travel insurance will not cover:
- Diseases or illnesses that have already been diagnosed (pre-existing diseases) or if your doctor has already recommended no traveling.
- Death or disability won’t be covered after 365 days of the accident that has caused it.
- Only one-day adventure sports are covered. This doesn’t include weeklong treks, hikes or professional-level adventure sports that go on for more than a day.
- Flight delays aren’t covered if your airline already informed you about the same at least 6 hours in advance.
- Flight delays aren’t covered if your airline already informed you about the same at least 6 hours in advance.
- The delay in checking-in luggage is not covered if the delay is due to customs.
- Any missed connection where the time gap between an incoming flight's scheduled arrival and the connecting flight's scheduled departure was less than the time required.
- Thefts won’t be covered if the respective police aren't notified within 24 hours.
- Trip extensions due to childbirth or related matters can’t be covered.
- Trip abandonments due to pre-existing illnesses or health conditions can’t be covered.
- Trip cancellations due to rejection of visa are not covered.
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Digit Settled an 18.65 Lakh Claim for a Traveller in Indonesia
Below is a true case from a Digit customer that highlights the value of having the right protection during an international trip.
Emergency Accident and Evacuation Case in Indonesia
A traveller visiting Indonesia met with a serious accident that required immediate medical attention. The situation needed both emergency treatment and a medical evacuation to a suitable facility. The total cost of care and evacuation came to 18.65 lakh rupees.
Digit supported the traveller throughout the process and covered the full approved claim amount, which allowed the traveller to focus on recovery instead of dealing with large medical expenses in a foreign country.
Why Choose Digit for Bali and Indonesia Travel Insurance?
Digit’s travel insurance is designed around real travel challenges in Bali, not just basic coverage.
- Cashless treatment support at hospitals that may ask for upfront deposits
- Covers medical issues, trip disruptions, baggage, and passport loss
- Includes adventure activities coverage like scuba diving (one-day cover)
- Helpful for scooter-related liability situations
- Fast, digital claims with 24x7 global support
- Plans start from around ₹290, making it a practical option for both short trips and longer stays.
Disclaimer: Your policy is subject to the terms and conditions mentioned in your policy schedule and the policy wording. It is important that you thoroughly review these documents before making any decisions.
How to Buy International Travel Insurance for Indonesia with Digit?
Enter Your Trip Details
Hop onto the Digit app or website, select your destination, number of travellers, and date of birth. Then, hit ‘View Prices’.
Choose Your Plan
Now, you can view the plans, select the one that is perfect for you, set your sum insured, and click ‘Continue.’
Fill, Confirm & Pay
Next, fill in your personal and nominee details, complete the health declaration, click ‘Pay Now’ and complete the payment.
Done & Delivered!
That’s it! Your policy arrives via email, SMS, and WhatsApp. Need it later? It’s always on the Digit App!
How to File a Travel Insurance Claim with Digit?
After you buy our international travel insurance plan, you live tension free as we have a 3-step, completely digital claims process!
Step 1
Give us a call at 1800-258-5956 (if in India) or drop a missed call at +91-7799022308 & we’ll call back in 10 mins.
Step 2
Upload the required documents & your bank account details, on the link sent.
Step 3
We’ll take care of the rest!
List of Network Hospitals in Indonesia with Digit
Below is the list of network hospitals in Indonesia where you can go in case of medical emergencies during your travel in Indonesia.
Disclaimer: This list is not a comprehensive list of network hospitals in Indonesia. Last updated on 31st July-2025. In case of emergencies, we recommend to reach out to Digit insurance team first to check about the hospitals.
Safety Tips When Travelling to Indonesia
Although safer than many other Asian destinations, tourists must adopt the following safety measures while travelling to Indonesia:
- Beware of Alcohol Poisoning - Do not drink alcohol at places other than reputed institutions.
- Scams are Common - Credit card fraud is common in most Asian countries, and Indonesia is not an exception to this. Con artists are also waiting to scam you so beware of who you believe.
- Check the Source for Information - Rely only on the official government websites for travel-related information about Indonesia.
List of Indian Consulates and Embassy in Indonesia
Indian travellers visiting Bali or any part of Indonesia may need access to official assistance in case of emergencies, passport issues, or important documentation. Below is a useful list of Indian diplomatic offices located across Indonesia.
List of Airports in Indonesia
The following is the list of international and domestic airports in Indonesia:
A well-planned trip to Bali or any part of Indonesia feels smoother when you know you are protected from unexpected medical or travel issues. Having the right travel insurance keeps your plans on track and gives you a sense of security throughout the journey. With Digit offering simple choices and dependable support, you can focus on enjoying your holiday while staying prepared for any situation.
FAQs about Bali Travel Insurance from India
Is medical treatment easily available in Bali?
There are quite a few medical clinics that treat international tourists located around Denpasar and Ubud. However, seeking treatment in these clinics can be expensive. If you have a Bali travel insurance policy, you can avail cover for seeking treatment (accidental and illness-related) in these clinics.
When should I purchase the travel insurance policy to make sure that my Indonesia trip is covered?
To ensure that your Indonesia trip is covered, you must purchase your travel insurance policy at least the day before your trip commences.
Is Bali safe to travel to?
Yes, Bali is safe to travel to since the Indonesian government has undertaken strict measures to combat terrorist threats. However, instances of pickpocketing from tourists have been reported in the country. That is why it is best to avail a travel insurance policy before you travel to Bali to make sure that you are financially secure under such circumstances.
Is travel insurance required for Indonesia?
While travel insurance is not mandatory for Indians travelling to Indonesia, it is highly recommended as it provides financial protection against unforeseen events.
Do we need travel insurance to visit Bali?
It's not mandatory to buy travel insurance for a vacation in Bali. However, comprehensive travel insurance is recommended whether you travel to Indonesia for business or pleasure. If you require medical care in Bali, up-front costs can be expensive without medical coverage.
Do you need to notify the travel insurer about health problems?
If you did not tell your travel insurer about an existing health problem before you took out the insurance, you may not be covered if you need treatment for this while you're away. You may be unable to claim for the cost of any medication you usually need and may have to take while travelling.
What conditions are not covered by travel insurance?
Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.
Can I opt for travel insurance for Bali after making all bookings?
It is advisable to purchase travel insurance immediately after you make deposits for your trip, so if you have purchased your flight tickets, now would be an excellent time to get travel insurance. Note: Make sure you read the terms of your policy very carefully to be aware of what is covered and what isn't.
What insurance do I need to travel to Indonesia?
Visitors to Indonesia should have comprehensive travel insurance, including trip and medical coverage.
What does travel insurance not cover?
Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs and have an accident or have property stolen.
Is Indonesia visa-free for Indians?
Indian citizens must obtain a visa before visiting Indonesia since the country does not offer visa-free entry.
How do I claim my travel insurance?
To claim travel insurance, you should contact your insurer and inform them about the situation as soon as possible. Follow their guidance and take the necessary steps to file your claim, providing all required documentation and adhering to any specific procedures they suggest based on your circumstances.