Bali

Nomad Insurance Bali

We provide exceptional medical insurance packages explicitly for digital nomads and frequent-flying entrepreneurs. If you are travelling to Bali right now, we will cover your for your nomad medical insurance.

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$50.54

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Happy Customers

We've got nomads covered in Bali.

Global 24/7 Emergency Help On All Nomad Insurance

With our 24/7 global assistance as a key feature of our nomad insurance, you’re never stranded no matter where your adventures take you. Our support is just a phone call away, making your global travels safer and stress-free.

Customisable Plans for Nomad Lifestyles

Customise your nomad insurance to match your unique lifestyle. Whether you need basic medical cover or comprehensive protection, our flexible plans ensure you pay only for the cover you truly require.

Direct Payments To The Hospital

Our nomad insurance provides direct payments to the hospitals, easing your burden and giving peace of mind. We coordinate directly with medical facilities, so you can focus on your recovery without the stress of upfront costs.

Access To Healthcare Professionals

Even when you’re far from home, medical advice should be at your fingertips. Our nomad insurance includes remote access to certified medical professionals. Consult with specialists, ensuring you receive qualified advice no matter your location.

Bali healthcare systems for nomads

Bali’s healthcare system offers a mix of public and private medical facilities. While the island is a renowned tourist destination, it’s important for expats and travellers to understand the healthcare landscape. While the costs for healthcare services in Bali are generally reasonable when compared to Western countries, unforeseen medical issues can lead to substantial expenses. Therefore, securing a comprehensive nomad insurance plan is crucial to mitigate potential financial risks associated with healthcare needs in Bali.

Bali hospital in Bali

Key takeaway of Bali's healthcare systems:

Private healthcare can be expensive.

Without adequate medical insurance, you could find yourself facing significant out-of-pocket expenses.

We can direct bill to Bali hospitals.

We offer plans with direct billing to private hospitals in Bali, simplifying the payment process for covered treatments.

Public hospital standards are low.

Public hospitals may not always meet the expectations of Western expatriates in terms of quality and wait times.

English-speaking medical staff.

Many healthcare professionals in Bali's private hospitals are proficient in English, which is key with expats and travellers.

Choose your nomad insurance for Bali.

Major Medical

A cost-effective plan with a US $1,000,000 annual limit, covering essential inpatient services. Ideal for basic health needs.

Worldwide Exc. USA Major Medical
Overall Plan Limit (per year) US $1,000,000
Inpatient Benefits
Room and Board including general nursing care Semi-Private
Parental Accommodation (added bed, same room) No Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services US $25,000
Anaesthetist Fees 30% of Surgeon's Fees
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees US $25,000
Rehabilitation Cover No Cover
Kidney Dialysis Full Cover
Oncology Cover US $20,000
Emergency Room Treatment Full Cover
Organ Transplant Cover No Cover
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $100
Outpatient Benefits
Outpatient Surgical No Cover
Pre-Hospitalisation No Cover
Post-Hospitalisation No Cover
GP Consultation Fees No Cover
Specialist Consultation Fees No Cover
Prescribed Medication No Cover
Imaging and Lab Tests No Cover
Physiotherapy No Cover
Oncology No Cover
Alternative Therapies Treatment No Cover
Chronic Conditions Benefit No Cover
Wellbeing Benefits
Annual Medical Check-ups No Cover
Vaccinations No Cover
Eye-Test No Cover
Dental Benefits
Emergency Dental (Relief of Pain Only) No Cover
Routine Dental (6 month waiting period) No Cover
Major Dental (6 month waiting period) No Cover
Global Security Benefits
Terrorism US $50,000
Hostage Negotiation Full Cover
Hijacking US $100 Per Day 10 Days
Mugging US $100 Per Day 5 Days
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Standard

Offers a US $1,000,000 annual limit and adds limited outpatient coverage up to US $25,000. Includes GP and specialist consultations.

Worldwide Exc. USA Standard
Overall Plan Limit (per year) US $1,000,000
Inpatient Benefits
Room and Board including general nursing care Semi-Private
Parental Accommodation (added bed, same room) No Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services US $25,000
Anaesthetist Fees 30% of Surgeon's Fees
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees US $25,000
Rehabilitation Cover No Cover
Kidney Dialysis Full Cover
Oncology Cover US $20,000
Emergency Room Treatment Full Cover
Organ Transplant Cover No Cover
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $100
Outpatient Benefits
Outpatient Surgical US $25,000
Pre-Hospitalisation US $2,000 30 days prior
Post-Hospitalisation US $2,000 30 days prior
GP Consultation Fees US $750
Specialist Consultation Fees US $750
Prescribed Medication US $750
Imaging and Lab Tests US $750
Physiotherapy No Cover
Oncology No Cover
Alternative Therapies Treatment No Cover
Chronic Conditions Benefit No Cover
Wellbeing Benefits
Annual Medical Check-ups No Cover
Vaccinations No Cover
Eye-Test No Cover
Dental Benefits
Emergency Dental (Relief of Pain Only) No Cover
Routine Dental (6 month waiting period) No Cover
Major Dental (6 month waiting period) No Cover
Global Security Benefits
Terrorism US $100,000
Hostage Negotiation Full Cover
Hijacking US $200 Per Day 10 Days
Mugging US $100 Per Day 5 Days
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Comprehensive

Features a US $1,000,000 annual limit and full inpatient benefits. Adds extensive outpatient coverage, and $1,000 chronic conditions benefit.

Worldwide Exc. USA Comprehensive
Overall Plan Limit (per year) US $1,000,000
Inpatient Benefits
Room and Board including general nursing care Semi-Private
Parental Accommodation (added bed, same room) Full Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services US $25,000
Anaesthetist Fees 30% of Surgeon's Fees
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees US $25,000
Rehabilitation Cover Full Cover 30 Days
Kidney Dialysis Full Cover
Oncology Cover US $20,000
Emergency Room Treatment Full Cover
Organ Transplant Cover US $100,000
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $100
Outpatient Benefits
Outpatient Surgical US $25,000
Pre-Hospitalisation US $2,000 30 days prior
Post-Hospitalisation US $2,000 30 days prior
GP Consultation Fees US $750
Specialist Consultation Fees US $750
Prescribed Medication US $750
Imaging and Lab Tests US $750
Physiotherapy US $750 5 Visits
Oncology US $20,000
Alternative Therapies Treatment US $250 5 Visits
Chronic Conditions Benefit US $1,000
Wellbeing Benefits
Annual Medical Check-ups US $250 25% Co-insurance
Vaccinations US $250 25% Co-insurance
Eye-Test US $250 1 Per Year
Dental Benefits
Emergency Dental (Relief of Pain Only) Inpatient Treatment Only
Routine Dental (6 month waiting period) No Cover
Major Dental (6 month waiting period) US $750 25% Co-insurance
Global Security Benefits
Terrorism US $150,000
Hostage Negotiation Full Cover
Hijacking US $300 Per Day 10 Days
Mugging US $100 Per Day 5 Days
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Fully Comprehensive

Offers a US $2,000,000 annual limit with full inpatient and outpatient benefits. Ideal for those seeking comprehensive coverage.

Worldwide Exc. USA Fully Comprehensive
Overall Plan Limit (per year) US $2,000,000
Inpatient Benefits
Room and Board including general nursing care Full Cover
Parental Accommodation (added bed, same room) Full Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services Full Cover
Anaesthetist Fees Full Cover
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees Full Cover
Rehabilitation Cover Full Cover 45 Days
Kidney Dialysis Full Cover
Oncology Cover Full Cover
Emergency Room Treatment Full Cover
Organ Transplant Cover Full Cover
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $200
Outpatient Benefits
Outpatient Surgical Full Cover
Pre-Hospitalisation Full Cover
Post-Hospitalisation Full Cover
GP Consultation Fees Full Cover
Specialist Consultation Fees Full Cover
Prescribed Medication Full Cover
Imaging and Lab Tests Full Cover
Physiotherapy Full Cover 10 Visits
Oncology Full Cover
Alternative Therapies Treatment Full Cover 10 Visits
Chronic Conditions Benefit US $10,000
Wellbeing Benefits
Annual Medical Check-ups US $500
Vaccinations US $500
Eye-Test US $250 1 Per Year
Dental Benefits
Emergency Dental (Relief of Pain Only) Full Cover
Routine Dental (6 month waiting period) US $750
Major Dental (6 month waiting period) US $750
Global Security Benefits
Terrorism Full Cover
Hostage Negotiation Full Cover
Hijacking US $500 Per Day
Mugging US $100 Per Day
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Why is Nomad Insurance vital in Bali?

Nomad insurance is crucial in Bali, because the local healthcare system is primarily geared towards residents. As a foreigner in Bali, you might encounter extended waiting periods and potential language hurdles at public hospitals. The private healthcare sector offers good services with English-speaking staff, but these come at a premium. Our nomad insurance acts as a vital safety net for anyone residing in or visiting Bali, ensuring coverage for a range of medical needs from hospitalisation to emergency medical evacuations.

Average cost of medical bills in Bali

In Bali, as with many popular expat destinations, healthcare costs can be quite variable. Minor medical consultations and routine treatments are generally affordable, with prices that won’t cause too much concern for the average nomad. However, when it comes to more complex medical procedures, the costs can rise sharply. For less complex medical needs, such as an MRI scan, you might expect to pay in the region of $200. When it comes to surgical procedures, the costs can increase significantly; a hip replacement may cost around $12,000, while a knee replacement could be slightly less at around $10,000. 

Breakdown of the costs of healthcare in Bali

Cost of hospital stays

A private room in a private hospital can cost around $100 to $200 per night, excluding any treatments or procedures.

$100-200

Surgery costs

The cost of surgery can range from a few thousand dollars to tens of thousands, depending on the complexity of the procedure.

$1,300-30,000

Emergency dental cost

A simple tooth extraction can cost around $150, while more complex procedures like root canals can cost around $500 to $900.

$150-900

Prescription medication costs

The cost of prescription medication can vary, but it's generally cheaper than in many Western countries.

$10-50

Diagnostic test costs

Diagnostic tests such as blood tests or imaging scans are generally affordable. For instance, an MRI scan can cost around $190.

$190-250

Emergency care costs

The cost of emergency procedures can vary widely. For example, setting a broken bone can cost around $1,500 to $2,500.

$1500-2500

Why choose us?

Experienced insurance brokers

Best rates for nomads

Easy online process

With over a decade in the medical insurance sector, our expertise is tailored to nomads and travel entrepreneurs. We’re not just insurance providers; we’re seasoned travellers ourselves, understanding the unique challenges you face.

Testimonials from real nomads.

Frequently Asked Questions

Yes dear nomads, you can. Just put your current address in and feel free to keep on movin’.

Anywhere in the world except the USA. We recommend purchasing USA-specific travel insurance if you are travelling to the USA. This insurance policy is not suitable for residents of the USA.

You can choose to receive treatment in any country worldwide except the USA.

Yes – as long as your home country isn’t the USA. Apart from the USA, you’re fully covered, nomad-er where you’re from and nomad-er where you go!

No, just once per year on your renewal date. And that can all be done by email, if required.

Yes, cancer treatment (oncology) is covered – you can find full details on our “Compare Cover Levels” page.

Yes, dental treatment is covered under the “Comprehensive” and “Fully Comprehensive” cover levels. You can find full details on our “Compare Cover Levels” page.

Yes, outpatient treatment is covered – you can find full details on our “Compare Cover Levels” page.

Unfortunately, claims cannot be approved if they are either directly or indirectly related to any medical condition or related condition for which you had treatment for, had symptoms of, knew existed, or should have known existed, prior to you starting your medical insurance policy. You are covered for events after you first start your insurance policy.

Terrorism coverage is included on all cover levels and covers any medical treatment needed as a result of terrorism, and any treatment needed for a medical condition sustained as a result of terrorism.

No, this is not necessary. To make the process as simple as possible, once you have gained pre-authorisation for your treatment, the insurance company will contact the hospital to arrange for payment to be made directly.

During an emergency, you may not be in a position to notify the insurance company in advance. If this happens, please contact the insurance company as soon as possible so they can arrange for all payments to be made directly to the hospital, as well as make sure that you are being properly cared for.

Please see the “Claims” page which has full information – and you will also receive the information in soft copy format by email when you start your insurance policy.

Yes, general exclusions apply to all international medical insurance policies. For full details, please see our “T&C’s” page.

No, you can apply and get coverage within 24 hours without the need for a medical examination.

Yes they can, although it generally makes more sense to have a separate policy for each person as it costs the same and gives you the flexibility to choose different cover levels for each person if you wish.

There is a limit to the total value of claims per year, but no limit on the number of claims. For full details, please see our “Compare Cover Levels” page.

Yes, you have a 14-day “cooling off period” during which you can cancel the policy if you want to. This gives you plenty of time to read the full terms and conditions as well as compare the cover and cost of other insurances, and if for any reason you decide it’s not the right one for you, you’ll get a full refund of all premiums paid.

Yes you can choose your own hospital and doctor if you wish, and you may also ask the insurance company for recommendations based on what facilities are offered at different hospitals. If you would like to be treated at a hospital in a different country, you will need the “Global Evacuation & Repatriation” cover, which is an optional add-on to all policies for a small fixed fee.

It’s always good to have travel insurance if you travel frequently – travel insurance and medical insurance are distinctly different types of insurance. Travel insurance will cover you for things like delayed flights, lost baggage etc, whereas international medical insurance covers anything medical related. Whilst all travel insurances and medical insurances differ, as a general rule, the medical cover offered on travel insurance policies has more limitations than full medical insurance policies, and there are often additional clauses which make it unsuitable as a long-term replacement for medical insurance. Always read the small print to see which things aren’t covered!