Making sure that you are covered with the right insurance on your visit to Indonesia is essential. Read on to find out what you need to consider
Travel and International Medical Insurance.
Planning a trip to Indonesia? Whether you’re heading to the serene beaches of Bali, exploring the breathtaking temples of Central Java, or indulging in world-class diving in Raja Ampat or Manado, your adventure is bound to be unforgettable. You’ve got your itinerary set, your bags packed, and your excitement building—but have you checked off one of the most critical items on your travel checklist?
Travel/Medical Insurance
Do not leave home without it.
What to Check Before You Purchase Travel Insurance
While Indonesia boasts an impressive range of medical facilities—both public and private—the cost of healthcare for foreigners can be staggering. Most hospitals and clinics expect international visitors to have substantial insurance coverage or deep pockets, and unfortunately, they often charge accordingly. The reality is simple: without the right insurance, medical expenses can quickly spiral out of control.
Before selecting your insurance policy, be sure to read the fine print—then read the even finer print. Many standard policies cover a range of medical issues, from minor illnesses to major emergencies. However, there is one major loophole that catches travelers off guard:
Motorcycle Accidents.
If you’re planning to ride a scooter or motorbike (as many visitors do in places like Bali), you must ensure that your insurance covers two-wheeler accidents. Additionally, confirm that third-party liability is included. Road conditions and driving styles in Indonesia can be chaotic, and even the most careful rider can find themselves in an accident. Without the right coverage, you could be left facing hefty medical bills—not just for yourself but for any third parties involved.
The Hidden Costs of Uninsured Accidents
Hospitals in Indonesia provide excellent care, and many travelers (myself included) have had successful medical treatments here, from surgeries to routine procedures. However, high-quality care comes at a cost. If you end up hospitalized after an accident and your insurance doesn’t cover two-wheeler incidents, you could find yourself reliant on a crowdfunding campaign just to cover your bills. The financial burden can be overwhelming.
Beyond medical expenses, renting a scooter or motorcycle in Indonesia often comes without insurance. If you damage the vehicle or cause damage to others, you are fully liable. Repair costs, legal fees, and third-party claims can quickly add up. To avoid this nightmare scenario, make sure your policy covers vehicle-related incidents—or reach out to Gateway for assistance in securing local insurance coverage.
Long-Term Travelers: Don’t Forget to Extend Your Insurance
Many visitors fall in love with Indonesia and choose to extend their stay. However, while they remember to renew their visas, they often forget to extend their travel insurance. This oversight can be costly.
Consider the recent case of a British traveler who arrived in Indonesia for an extended stay before beginning a new job. He had a long-term visa, so he wasn’t concerned about his legal status. However, he neglected to extend his travel insurance, which expired a week before he fell seriously ill. The result? A staggering $50,000 medical bill, including emergency treatment and medical evacuation.
To avoid this kind of financial disaster, ensure that your insurance provides **full coverage in Indonesia, including medical evacuation.** While Indonesia has excellent medical facilities, it’s often preferable to recover at home with the support of your national healthcare system. A comprehensive policy will cover the costs of an emergency evacuation, ensuring you can get home safely if needed.
How Gateway Can Help
At Gateway Special Services, we specialize in assisting travelers with the essential logistics of their Indonesian journey. Whether you need help finding the right insurance, extending your visa, or navigating the complexities of medical care while abroad, we’re here to support you.
Final Advice: Be Prepared, Stay Covered
Indonesia is a dream destination, but unexpected situations can turn a trip upside down if you’re not prepared. **Before you leave home, double-check your travel insurance coverage. Ensure that it includes everything you might need—especially medical emergencies, motorbike accidents, third-party liability, and medical evacuation.
If you need guidance, contact Gateway for free advice on the best insurance options available. We’re here to help make your Indonesian adventure as safe, seamless, and enjoyable as possible.
Come and explore Indonesia—but do it safely, and make sure you’re covered
