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Do Indian travellers need travel insurance for Bali? – ET TravelWorld

7 Min Read


Bali ranks highly on the list of must-visit destinations for Indians. Its stunning beaches and lush green landscapes offer a much-needed break from the hustle and bustle of urban life. The icing on the cake is that you can explore the cuisine and culture of the island on a pocket-friendly budget. While planning a trip to Bali from India, you may wonder if travel insurance for Bali is mandatory. We will answer that question and explore why travel insurance is important, no matter which country you visit. Let’s explore this financial safety net and the peace of mind it can offer during your vacation in Bali.

Is travel insurance from India compulsory for Bali?
While planning your trip to this tropical paradise, a common question arises: is travel insurance mandatory? The short answer is no. However, securing your trip with comprehensive travel insurance is a prudent way to financially safeguard yourself against unforeseen events that could ruin your vacation. Travel insurance has your back if you face any trip-related risks, saving you from financial distress.

What is covered under travel insurance for Bali?

  1. Medical coverage
    Medical emergencies, whether from sickness, injury, or accident, can be overwhelming, especially when you’re abroad. Considering the high healthcare expenses abroad, the medical costs can completely disrupt your travel budget, leaving you emotional and financial turmoil. Travel insurance becomes your saviour in such situations, covering all treatment costs. In addition to treatment expenses, insurance will also cover medical evacuation costs if you need to be transferred to a better medical facility or even your home country for specialised treatment.Other health-related benefits include coverage for emergency dental expenses, a hospital daily cash allowance, and Personal Accident Cover. Under PA cover, insurance will provide a lump sum compensation in case of accidental death or disability. However, the coverage depends on your policy terms and conditions.
  2. Flight delays/cancellations
    Your Bali travel insurance plan will compensate for the loss incurred if your flight is delayed or cancelled.
  3. Trip cancellation/interruption
    Imagine you’re all set to begin your journey, but there’s a health emergency at home, and you must cancel your trip. Will you get a refund for non-refundable bookings? Yes, if you have purchased travel insurance for your Bali trip. Without insurance, you won’t be refunded. Similarly, the insurance will reimburse you for non-refundable hotel and other booking costs if you need to cut your trip short.
  4. Baggage coverage
    If you arrive in Bali but your checked-in baggage is lost, stolen, or misplaced, simply inform the insurance provider, and you’ll be compensated for the loss.
  5. Loss of passport and documents
    If you lose your passport or other important documents, insurance will cover the costs of obtaining a duplicate or new passport and any other relevant papers.
  6. Delay of checked-in baggage
    If your baggage is delayed upon arrival in Bali, your travel insurance for Bali will reimburse you for essentials such as clothes, toiletries, and medicines until your baggage arrives.
  7. Personal liability
    If you unintentionally injure someone or damage their property during your trip to Bali, the insurer will compensate the third party for the losses.

What is not covered under travel insurance for Bali?
Most policies won’t cover pre-existing conditions, injuries from self-harm, or incidents related to intoxication, war, or unlawful activities. Cosmetic surgeries and obesity treatments are also excluded. • Pre-existing conditions: Insurance will not cover expenses if you require treatment for a pre-existing disease in Bali.
• Intoxicants or banned substances: Any treatments resulting from the consumption of intoxicants or banned substances are not covered.
• Self-inflicted injuries: Insurance does not cover medical expenses arising from self-inflicted injuries.
• War or breach of law: If you fall ill or suffer an injury due to war or breach of law, insurance will not cover the expenses.
• Cosmetic surgery or obesity treatment: Cosmetic surgery or treatments for obesity are not covered under your policy.

How to buy travel insurance online?
Purchasing travel insurance online is straightforward. Travelers can visit an insurer’s website or app, fill in the required details, and pay digitally to receive instant policy issuance.

Here are the steps:

  1. Visit the website or app of your chosen insurance provider.
  2. Select “Travel Insurance” or “Buy Travel Insurance.” The options may vary by insurer.
  3. Provide all the required details, such as traveller information, destination, trip start and end dates, and the type of plan.
  4. Proceed to pay via net banking, credit/debit card, or UPI.
  5. Once the payment is processed, the policy will be issued and instantly sent to your email and mobile phone.

Although travel insurance is not a mandatory requirement for visiting Bali, it’s essential to prioritise international travel insurance for financial security against potential risks such as medical emergencies, travel disruptions, baggage-related issues, and third-party liabilities. Having travel insurance for Bali ensures you have a safe and worry-free trip. However, before purchasing, research and select a comprehensive coverage plan that meets your specific needs.

Disclaimer – The above content is non-editorial. TIL and ETTravelWorld hereby disclaim any warranties, expressed or implied, relating to it and do not guarantee, vouch for or necessarily endorse any content.

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  • Updated On Jan 10, 2025 at 07:40 PM IST
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  • Published On Jan 10, 2025 at 07:34 PM IST
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  • 4 min read
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