Health insurance is an absolute must when living in Bali and it must be distinguished from travel insurance. Accidents can happen, and being prepared with the right health insurance is a prudent choice. Your Health Insurance policy should always include “Emergency evacuation or repatriation” coverage.
It is also important to note that insurance companies do not pay for your medical expenses in a scooter accident if you are not holding the correct licences. Some offer restrictions on this and require you to prove you are holding a local motorbike licence and an international motorbike licence, different from your International drivers licence.
Most international health insurance policies cover a minimum term of 12 months, so anything under that time frame is when you could go with comprehensive travel insurance instead.
Another reason where travel insurance needs to be considered was if you were travelling out of Bali on a KITAS visa. In that case, insurance companies would consider that you are a resident of Indonesia, so you would need to be covered on travel insurance when travelling back home or visiting other countries.
Navigating the intricacies of insurance can be a challenging and bewildering task, especially when deciphering the product disclosure statement. To alleviate this complexity, we connect you with established expat insurance companies on the ground, with long term experience in guiding and insuring expats.
These experts handle the arduous task of interpreting policies, identifying the optimal options tailored to your needs, and devising a suitable payment plan. Their proficiency extends to comprehending the medical system and the specific visa you hold, ensuring you’re in secure hands. Whether it’s selecting between “inpatient or hospitalization” coverage or opting for a more extensive plan that encompasses both “inpatient and outpatient” benefits, they provide comprehensive assistance.
Additionally, they extend their support to cover your travel insurance needs.
Streamlining the claims process, these professionals make it exceptionally easy for you to submit claims. You can simply capture images of your receipts and transmit them via WhatsApp directly to the claims department, receiving personalized assistance instead of dealing with a generic call centre.