The right insurance for life in Bali
Scooter spills, Bali belly and surf injuries are the three most common claims here. Here's how to be covered properly without overpaying for a package built for two-week holidays.
If you take one thing seriously before moving to Bali, make it this. The island is brilliant and overwhelmingly safe — but scooters, surf and a new diet mean medical claims are more common here than people expect.
Why normal travel insurance doesn't work
Standard holiday policies assume a fixed two or three week trip. As a nomad you're here open-ended, often hopping to other countries, and you need cover that renews monthly and follows you. Most holiday policies also quietly exclude riding a scooter — the single most likely way you'll get hurt in Bali.
What to look for
- Monthly, open-ended cover you can cancel anytime — not a fixed trip length
- Motorbike / scooter cover included (check the licence requirement)
- Treatment at reputable Bali hospitals like BIMC and Siloam
- Cover that continues when you travel to other countries
- Simple online claims — no faxing forms from a beach café
Our pick for most nomads
SafetyWing Nomad Insurance
Built for remote workers. Monthly subscription, covers 180+ countries, no fixed trip length.
Get SafetyWing Nomad InsuranceCommon questions
Do I need scooter insurance specifically?
Yes — it's the most common claim in Bali. Check your policy covers motorbike accidents and read the licence clause; some require a valid motorcycle licence from home or an international permit.
Can I buy it after I've already arrived?
With nomad-style cover like SafetyWing, yes. Unlike most travel insurance you don't have to buy it before leaving your home country.
Is private healthcare in Bali expensive?
International-standard hospitals (BIMC, Siloam) are excellent but charge international prices — a scooter injury can run into thousands of dollars. That's exactly what cover is for.