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Insurance Policy for Indonesia
Indonesia attracts travelers with its unique customs, cultural distinctiveness, and incredible richness of flora and fauna. Many choose this country, specifically the island of Bali, as an option for long-term stays. If you are planning to visit Indonesia for the first time, we recommend familiarizing yourself with the nuances of etiquette in this country.
It is important to understand that Indonesias characteristics impose certain restrictions on its guests (such as not touching other peoples heads, refraining from pointing at something or someone with fingers or feet, and advising women to wear clothing that covers shoulders and knees, among other things).
One of the popular activities for excursions is visiting local temples and sacred places. Failure to observe the rules of visitation or treating these places as mere attractions can lead to conflict situations with the local community, which, in general, is quite tolerant towards tourists.
Touristic and Medical Risks in the Country
Digestive Disorders, Food Poisoning
Bali Belly or travelers diarrhea is a stomach disorder that often occurs with those who visit Indonesia for the first time. It is a reaction to the new climate, changes in diet, and the local flora. Usually, it resolves without consequences within 2-3 days. If symptoms persist and high temperature develops, it is recommended to consult a doctor for appropriate treatment.As dining in cafes and restaurants is customary in Indonesia, the quality and freshness of food and prepared dishes depend solely on the owner and chef of these establishments. In the hot climate conditions, its advisable to avoid consuming a meal if it raises suspicions, and refrain from consuming drinks with ice. Ice in cafes is often made from non-boiled tap water, increasing the risk of digestive problems.
Fatal cases of poisoning from counterfeit alcohol are not uncommon in Indonesia. Local police warn tourists to be cautious when consuming alcoholic beverages.
Due to low driving culture in the country, accidents occur very frequently, affecting drivers, pedestrians, and public transport passengers. As motorbikes are the primary mode of transportation in the country, most cases in our service center involve those who have been in accidents with them. If you are involved in a serious accident and have insurance, be sure to ask the police to create a report on the incident.
Police representatives can be called even to the hospital where you are, in case you are unsure whether a report was made. If you were the driver, ask the hospital to conduct an alcohol test – an important condition for insurance coverage. Do not neglect the liability insurance offered during rentals; in disputes with locals, you may find yourself at a disadvantage, and they may demand compensation for vehicle damage or medical expenses.
Even if your injuries are not severe, in the local climate, wounds can take a long time to heal and may require hospital dressings.
Bites from Animals and Insects
Indonesia, particularly Bali, is a region with a risk of rabies among animals. Bites can come not only from stray cats and dogs but also from monkeys, monitor lizards, otters, and other exotic animals. In the event of a bite, it is recommended to seek immediate medical attention for a rabies vaccination course.
Bites from ticks, fleas, bedbugs, and even scorpions can trigger a severe allergic reaction. An unpleasant consequence of bites from local mosquitoes is dengue fever. Periodically, outbreaks of this disease occur in the country, as reported by the Indonesian government.
A tourist heading to Indonesia may encounter scammers both on social media and in real life (offering services for visa processing, transfers, package delivery, currency exchange, discounted tickets, business participation, etc.).
At the end of 2022, the Indonesian Immigration Department launched an online service known as e-VOA (electronic visa). It is a website that facilitates tourists in applying for a visa before arriving in the country. The official website for visa processing is one, but since its launch, fake duplicates have flooded the internet. The Ministry of Justice of Indonesia has requested tourists to carefully verify the website address before applying for a visa.
Features of Healthcare in Indonesia
Emergency Services
Emergency medical assistance can be summoned by dialing the short number 118, and the general emergency services number is 112. If possible, seek help from local residents, as they will find it easier to explain to the operator where you are and what has happened. In Bali, there is a paid service called Ambulance, and major hospitals also have ambulance services. Ambulances should be called only in serious cases; in other situations, it is preferable to reach a clinic or doctor by taxi.
Public Hospitals
Indonesia has an extensive network of public hospitals that provide healthcare services to the local population. In large cities, a hospital may function as a multiprofile medical center or a clinic. In remote areas, it might be a small inpatient facility for emergency care or a small office with a doctor and a nurse. The equipment in public hospitals is often modest. When foreigners end up in such hospitals, they often notice poor hygiene and limited facilities in emergency situations. Finding a specialist who speaks English in the public healthcare system can be challenging.
Private Clinics
Real opportunities for emergency medical care for travelers are available mainly in the countrys capital, Jakarta, or on Bali, where a network of private clinics, including tourist-oriented, is well-established, often collaborating with insurance and service companies. However, private clinics tend to charge higher prices for foreigners, and unnecessary tests and procedures may be included in the bills. If you have insurance, pay attention to this to avoid a situation where the policy does not cover imposed services.
Pharmacies in Indonesia are called Apotik. Comprehensive medication selections are available in pharmacies attached to hospitals and clinics. However, its essential to remember that due to the location, medication prices may be significantly inflated. There are chain pharmacies of international pharmaceutical companies, such as Guardian and Century Health Care. Still, there are also illegal small points where medications of questionable quality are sold.
Medications and Alternatives in Indonesia
Area of Application
Active Ingredient
Indonesian Analog
Antipyretic, Analgesic, Anti-inflammatory
Acetylsalicylic Acid
Analgesic, Antipyretic
Ibuprofen, Bufect, Brufen
Analgesic, Antipyretic
Paracetamol (available in syrup for children), Panadol, Acetaminophen
Cetirizine (available in syrup for children), Intrizin
Antacid (for heartburn)
Mylanta, Polycrol, Ultilox Forte, Dexanta, Promag
Inamid, Imodium, Diadium
If an Insurance Case Occurs:
Provide the name, surname of the injured person, insurance policy number, and your location, along with the contact phone number
Describe what happened, how urgently assistance is needed, and briefly describe the problem
We will arrange for a doctor to come, direct you to the nearest clinic, or call for emergency assistance
The main client visits come from the tourist cities of Bali. In these cities, there is a network of partner clinics that assist service companies in organizing medical assistance. Examples of clinics we work with:
Kasih Ibu General Hospital Denpasar
Siloam Hospital Denpasar
ABDI Medicca
UbudCare Canggu 24
The Medical Canggu Berawa & infusion bali
Murni Teguh Hospital Tuban Bali
BIMC Hospital Nusa Dua
BIMC Kuta Hospital
Kasih Ibu Hospital Kuta Kedonganan
Rumah Sakit Umum Bali Jimbaran
Ubud Royal Medical
Ubud Care Clinic
Medical Ubud
BIMC Ubud Hospital
Ari Canti hospital