Indonesia travel insurance is essential for exploring the archipelago with peace of mind and avoiding a financial nightmare. This complete guide compares the best offers on the market (Heymondo, SafetyWing, ACS, Chapka) and helps you find the perfect travel insurance for your budget, whether you’re going surfing in Bali or trekking in Java.
🇦🇺 Australians: We added approx. A$ conversions. Some policies may allow medical evacuation to Australia when medically appropriate (e.g., Darwin/Perth). Always check the PDS and assistance terms, especially the excess.
Which travel insurance should you choose for Indonesia?
Our Recommended Travel Insurance for Indonesia
Here is our selection of the best insurance for traveling with peace of mind, based on our experience as expats in Asia.
- ✅ Heymondo: The best overall value for money (-5% via our link).
- ✅ SafetyWing: Monthly subscription for nomads & long stays.
- ✅ ACS: The most economical plans, ideal for travelers under 40.
- ✅ Chapka: The specialist for long stays and adventure travel.
Start here: see prices & coverage for Indonesia
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Indonesia Travel Insurance: Mandatory or Not?
Strong Recommendation from Authorities
Although travel insurance is not technically mandatory for a tourist stay in Indonesia since the end of the pandemic, it is qualified as imperative by most Foreign Ministries (including Smartraveller for Australians). This strong recommendation is based on the geographical complexity of the archipelago and the disparities in the healthcare system.
Key points to consider:
- Medical infrastructure is uneven: While Bali has decent international clinics, remote areas (Lombok, Flores, Sulawesi) often lack equipment for serious cases.
- Medical evacuation is frequent: In case of a serious problem, evacuation to Singapore, Bangkok, or Darwin/Perth (for Australians) is often necessary. This complex transfer via medical jet can cost between €20,000 and €45,000 (approx. A$33k – A$75k) based on typical international private hospital rates.
- Private hospitals may require proof of insurance or a substantial deposit before treatment, especially in non-life-threatening situations.
In summary, the lack of a social security agreement between Western countries and Indonesia makes an insurance contract covering healthcare and repatriation essential.
Why Subscribing is Indispensable: The Risks Covered
Good insurance is not an expense, but an investment in your safety. In Indonesia, specific risks (scooter, surf, tropical infections) make this protection crucial.
Medical Expenses: Risk #1
This is the most important guarantee. Contrary to popular belief, private medicine for expats and tourists in Indonesia is expensive. Here are some examples of costs in Bali (BIMC Hospital, Siloam):
- GP Consultation: €60-100 (~A$100-165) in an international clinic.
- Hospitalization for Dengue or Typhoid: €2,500-5,000 (~A$4,100-8,200) for a few days.
- Scooter Accident (Bali/Lombok): €8,000 to €20,000 (~A$13k-33k), including surgery and care. This is the #1 cause of medical repatriations in Indonesia.
- Surf Accident (stitches, X-ray): €300-800 (~A$500-1,300).
🌋 Volcanoes and Adventure: Check your coverage
Indonesia is a land of adventure. If you plan to climb volcanoes (Batur, Rinjani, Ijen) or go scuba diving (Komodo, Raja Ampat), check that your insurance covers these activities (often classified as “high risk”). A hyperbaric chamber for a diving accident costs a fortune.
Medical Repatriation: The Vital Guarantee
Due to the island geography, a serious accident on an isolated island (Gili, Nusa Penida, Flores) often requires a complex transfer (boat + helicopter + medical plane) to a center of excellence in Singapore or Australia. This operation is impossible to finance yourself without insurance.
Other Essential Guarantees
- Trip Cancellation: Reimburses non-refundable costs (flights, hotels) if you cannot travel due to illness or family emergency.
- Civil Liability: Essential if you cause damage to others (e.g., surf or scooter accident).
- Luggage: Compensation for loss or theft of personal effects.
Credit Cards: Limits to Know
Many travelers think they are covered by their credit card (Visa Premier, Mastercard Gold). This is rarely sufficient for Indonesia:
- Limits often insufficient: Around €155,000 for medical expenses, which can be tight for an evacuation.
- High deductibles (Excess): Often €50 or more per claim at your expense.
- Limited duration: Generally only covers stays of less than 3 months.
- Frequent exclusions: Scooter rentals are often excluded without a valid motorcycle license, as are diving and high-altitude trekking.
How to Choose Your Insurance for Indonesia?
To make the right choice, analyze these three criteria:
✅ Before subscribing, verify:
- Medical limit: minimum €200,000 (to cover evacuation)
- Repatriation included (actual costs)
- Scooter coverage (driver and passenger)
- Diving / Surf / Volcano Trek coverage
- Duration: Stay > or < 90 days
Our Selection of the Best Insurance for Indonesia
| Insurance | Ideal For | Trustpilot Score | Medical Limit | Price* | |
|---|---|---|---|---|---|
| Heymondo (Travel) | Excellent value, no upfront costs | 4.6 / 5 | Up to €500,000 | ~ €42 (~A$70) | Quote -5% |
| SafetyWing (Nomad) | Digital Nomads & Long-term | 4.2 / 5 | $250,000 | $56 / 4 weeks (~A$85) |
View Offer |
| Chapka (Cap Assistance) | Short stays, families, cancellation | 4.5 / 5 | Up to €200,000 | ~ €44 (~A$73) | View Offer |
| ACS (Globe Partner) | Most economical for under 40s | 4.2 / 5 | Up to €300,000 | From €15 (~A$25) | View Offer |
*Estimated price for 2 weeks (SafetyWing is monthly).
Note: Our recommended providers offer international coverage. Perfect if you are continuing your trip to Thailand or Japan.
Planning a multi-country trip? Check our guides for Thailand Travel Insurance or Vietnam Travel Insurance.
Heymondo: Best Value for Money
Heymondo remains one of our top recommendations as it offers an excellent compromise for most travelers on short stays in Indonesia.
- For whom: Stays < 90 days, families, couples, solo travelers.
- Key strengths: 5% immediate discount, high medical limits (up to €500k), no upfront payments for hospitalization, and a responsive 24/7 app.
- Limits: Less competitive for stays over 90 days.
🔎 Want to know more? Read our full Heymondo review.
Enjoy a 5% discount on your Heymondo insurance!
Get your personalized quote in less than a minute.
SafetyWing: The Best for Digital Nomads
SafetyWing acts differently from traditional insurance. It functions as a monthly subscription, offering unique flexibility for those who don’t know their return date.
- For whom: Digital Nomads (Canggu/Ubud), remote workers, and travelers with flexible plans.
- Strengths: Subscription model (cancel anytime), can be purchased after your trip has started, home country coverage (30 days per 90 days), free for kids.
- Limits: $250 deductible (excess) on medical claims.
🔎 Curious about how the subscription works? Check out our complete SafetyWing Nomad Insurance review.
Simulate your Nomad Insurance
Ideal for indefinite travel in Indonesia and Asia.
ACS: Economical and Customizable Plans
ACS stands out with very competitive contracts, particularly adapted to young travelers and those looking for flexibility.
- Globe Partner (< 40 years): The ultra-economical solution for essential coverage (medical expenses up to €300,000, repatriation). Perfect for backpackers.
See full details in our ACS Insurance review.
Chapka: The Adventure Specialist
Chapka is a reference for travelers with specific profiles, whether for a short adventure trip or a long stay.
- Cap Assistance 24/7 (< 90 days): An excellent insurance for classic vacations. It includes very high medical limits, repatriation, and a very complete cancellation option.
🔎 Ideally suited for long-term backpackers. See our analysis in this Chapka insurance review.
👶 Advice for Families
Traveling with children to Bali implies specific needs (pediatrics, “Bali Belly”, etc.). Ensure your insurance contract covers them entirely and offers pediatric teleconsultation.
Pre-Departure Checklist
Before leaving, make sure you have:
To verify before departure
- ✅ Insurance certificate (printed + smartphone)
- ✅ 24/7 assistance number accessible offline
- ✅ Copies of documents (passport, visa)
- ✅ International Driving Permit (if scooter rental is planned)
- ✅ Personal medications & prescriptions
- ✅ Vaccinations up to date
Don’t Leave for Indonesia Unprotected
Travel insurance for Indonesia is not just a line in a budget, it is the safety net that allows you to fully enjoy every moment without fearing the financial consequences of an unforeseen event (consultations €60-100, evacuations > €20,000). It is a small investment for immense peace of mind.
Frequently Asked Questions
Do I need travel insurance for Bali in 2026?
No, travel insurance is not mandatory for tourist entry into Bali or Indonesia. However, given the high cost of private medical care (dengue fever, accidents) and the possibility of medical evacuation (often to Singapore or Australia when medically appropriate), comprehensive coverage of at least €200,000 (or US$250,000) plus repatriation/evacuation at actual cost is highly recommended.
How much does good insurance for Bali and Indonesia cost?
The price varies depending on the length of stay and age. Count around €15 (~A$25) for basic coverage (ACS) and between €40 and €80 (~A$70-135) for comprehensive multi-risk insurance (Heymondo, Chapka) for two weeks.
Is scooter insurance included?
Yes, most travel insurances cover scooter accidents provided that you wear a helmet, have a valid license (International Permit with motorcycle mention is often required), and are not under the influence of alcohol. Heymondo is known for good coverage in this regard.
Can I subscribe if I am already in Indonesia?
Yes, Heymondo and SafetyWing allow subscription from abroad. Heymondo usually has a 72h waiting period, while SafetyWing can be active very quickly.