Expat Insurance Bali: Why Health Protection Matters More Than You Think
- Be Protected Indonesia
- May 25
- 3 min read
If you’ve moved to Bali to start a new life under the sun, health insurance probably wasn’t the first thing on your mind. Surfing, villas, co-working spaces — yes. But expat insurance in Bali? Maybe later.
Unfortunately, many expats wait until it’s too late. Accidents happen. Illness happens. And without proper protection, it can cost you a lot more than just peace of mind.
At Be Protected Indonesia, we talk to expats every week who wish they had planned better. Here’s what you need to know — and what options actually make sense for your life in Bali.
The Truth: Many Expats in Bali Have No Health Coverage
It’s surprisingly common. People assume Bali is cheap, so medical care will be too. Or they think they’ll buy insurance later. But here’s what happens:
A scooter crash = IDR 20–50 million in private hospital fees
Dengue fever = multiple nights in a clinic, blood tests, meds
Emergency evacuation = IDR 200–400 million — and must be paid upfront without coverage
Even a simple check-up or scan in Bali can be expensive if you're paying out of pocket.
You Don’t Need “The Best Plan” — You Need the Right Plan
Health protection isn’t one-size-fits-all. Some expats need full international coverage. Others can stay local and still be safe. What matters most is knowing your real needs — not what a provider wants to sell you.
At Be Protected Indonesia, we help expats choose the right insurance based on:
Where you live
Whether you travel or stay local
Your risk level (motorbike, work environment, etc.)
Your budget and family situation
Whether you run a business or employ staff
How to Choose the Right Health Protection as an Expat?
Ask yourself:
Do I need coverage in case of an accident or serious illness?
Am I staying long-term in Indonesia or traveling often?
Do I need international access to hospitals abroad?
Do I have staff or family members who rely on me?
What’s my real monthly or yearly budget for protection?
If you don’t know the answers yet — we can help. That’s what we do best at Be Protected Indonesia.
Expat Insurance Bali: The Risks You Can't Ignore Living in Paradise?
Living in Bali can feel carefree — until something goes wrong. The reality is that expat life comes with specific risks, and most people don’t realize how vulnerable they are until it’s too late.
Here are just a few common scenarios:
Scooter Accidents
Almost every expat rides a motorbike. And almost every expat crashes — at least once.Without expat insurance in Bali, hospital stays, surgeries, and rehabilitation costs can easily reach IDR 20–50 million or more.
Illnesses Like Dengue or Typhoid
Indonesia is tropical — which means mosquito-borne diseases are a constant risk.Dengue fever can require hospitalization and careful monitoring. Without insurance, you're paying everything yourself.
Food Poisoning & Infections
Even seasoned Bali residents can get sick from contaminated food or water. A bad case of food poisoning can lead to IV fluids, antibiotics, and missed work.
Sports & Lifestyle Injuries
Surfing, yoga, freediving, hiking volcanoes… Bali is active, and that means risk. Dislocated shoulders, broken bones, and muscle injuries are all common among active expats.
Emergency Evacuation
If something serious happens — like internal bleeding or head trauma — you might need an air ambulance to Singapore or Australia. That can cost IDR 200–400 million without international coverage.
Need help choosing the right coverage?
We’ll guide you step by step — no pressure, no hidden costs. Just honest advice from people who understand what it’s like to live in Indonesia as an expat.
