Living in Bali: Not Just a Destination, But a Long-Term Plan

Bali has evolved from a mere tourist spot into a global lifestyle hub. Digital nomads, expats, investors, and international property owners choose this island not just for a holiday, but to build a long-term life.

Infrastructure is growing, the property market is thriving, and the quality of life is rising. However, behind all of this, there is one aspect of risk management often overlooked: health protection.

Do you really need health insurance in Bali? The answer is simple: yes. The longer you stay or invest here, the more vital that protection becomes to maintain your financial stability and peace of mind.

Why is Health Insurance in Bali So Important?

1. Quality Medical Facilities, High Costs

Bali houses private hospitals with international standards, such as:

  • BIMC Hospital (Kuta & Nusa Dua)

  • Siloam Hospitals Bali

  • Kasih Ibu Hospital

Modern facilities, specialists, and 24-hour emergency services are available with excellent quality. However, medical costs at these facilities match their standards. A few days of hospitalization can cost tens of millions of Rupiah. For surgeries or serious emergencies, total costs can reach hundreds of millions and must be paid out-of-pocket if you are uninsured.

2. Active Lifestyle Risks

Bali is synonymous with an active lifestyle:

  • Surfing and diving

  • Hiking Mount Batur or trekking in Ubud

  • Using motorcycles as daily transportation

Minor injuries to serious accidents are not uncommon. Without adequate health protection, ER costs, radiology, and surgery can become a massive financial burden.

3. Tropical Disease Risks

A tropical environment brings specific health risks, such as:

  • Dengue Fever (DHF): Often requiring hospitalization.

  • "Bali Belly": Gastrointestinal infections.

  • Dehydration and heat exhaustion: Due to extreme sun exposure. Newcomers usually need time to adapt to the climate and local consumption patterns.

4. Visa Requirements & Legal Compliance

For certain types of residency permits, health insurance is no longer an option:

  • KITAS / KITAP: Certain types require proof of health coverage.

  • Long-term Visas & Golden Visa: Require holders to have financial guarantees for medical risks. In short, insurance is a matter of administrative compliance as much as personal protection.

Types of Health Insurance Available in Bali

  • National System: BPJS Kesehatan

    • Best for: Basic long-term protection.

    • Pros: Very affordable premiums and national coverage.

    • Cons: Tiered referral system and longer queues.

  • Local Private Insurance (e.g., Allianz Indonesia, Prudential, Manulife)

    • Pros: Cashless systems at many private hospitals in Bali, more flexible premiums than international plans, relatively fast service.

    • Cons: Has specific annual limits; generally does not cover overseas treatment.

    • Best for: Indonesian citizens, expats with KITAS, or long-term investors.

  • International Health Insurance (e.g., Cigna Global, Bupa Global, Allianz Care)

    • Pros: Worldwide coverage, high annual limits (often above USD 1 million), medical evacuation to Singapore or Australia, freedom to choose any international hospital.

    • Cons: Highest premiums; often requires a medical check-up for certain ages.

    • Best for: International investors or individuals with global mobility.

Estimated Premiums (General Overview)

  • BPJS: IDR 35,000 – IDR 150,000 per month

  • Local Insurance: IDR 500,000 – IDR 2,000,000 per month

  • International Insurance: IDR 15,000,000 – IDR 45,000,000+ per year

  • Note: Premiums depend on age, medical history, annual limits, and coverage area.

Tips for Choosing the Right Policy

  • ✔ Ensure major hospitals in Bali are in the provider network.

  • ✔ Opt for a cashless system.

  • ✔ Check if activities like surfing or motorcycling are covered.

  • ✔ Choose a minimum annual limit of IDR 1–2 billion for optimal protection.

  • ✔ Pay attention to waiting periods and policy exclusions.

Conclusion

Enjoying life in Bali means being thoroughly prepared. Property, investment, and a tropical lifestyle are part of the plan—but health protection is the foundation that keeps it all stable. Health insurance is not just a routine expense; it is an instrument to protect your assets and financial stability.

Building a Secure Life in Bali

At Kibarer Property, we understand that deciding to live or invest in Bali involves more than just picking the best property. It’s about building a life that is secure, legal, and sustainable. We assist clients in understanding regulations, ownership structures, and long-term readiness.

Planning to settle or invest in Bali? Our professional team is ready to provide transparent and trusted guidance.