Planning a trip to Bali or Jakarta? Limit your out-of-pocket expenses in the event of unforeseen events, by taking out travel insurance tailored to Indonesia.
The world’s largest archipelago, Indonesia is a country of over 14,000 islands and 250 million inhabitants. Whether you want to explore its islands or simply visit Jakarta and the surrounding area, you need to be insured. While travel insurance is not compulsory in Indonesia, it’s best to err on the side of caution and find cover that’s appropriate to the risk.
Travel insurance comparison for Indonesia
For your stay abroad, and here in Indonesia, several insurance companies offer their own coverage. There’s bound to be one that meets your requirements in terms of coverage and price. Find out more in our travel insurance comparison.
| Insurer | Contract name | Travel time | From | Offer |
|---|---|---|---|---|
|
Globe Partner | Up to 12 months | 13€ | See the offer |
|
Cap Assistance 24h/24 | Less than 90 days | 22€ | See the offer |
What’s the best travel insurance for Indonesia?
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Many of you are looking for the best travel insurance for your trip to Indonesia. However, it’s hard to decide which one is really the best.
Everyone has different needs. A good insurance policy is one that adapts to these specific needs.
If you’re going to Indonesia for 2 weeks, you won’t need the same level of cover as if you were going away for 6 months. Similarly, the nature of your activities will determine the level of protection you need. If you’re planning to sunbathe on the beaches of Lombok and go scuba diving, the risk is different from a trip designed to visit the cultural sights of Jakarta. And it’s even different if you want to discover the country’s natural treasures by hiking around the Kawah Ijen or Bromo volcanoes.
The best travel insurance for you also depends on how you travel. Cancellation insurance is useful for everyone who travels by air. On the other hand, if you want to stay with a local via Airbnb rather than in a hotel, you don’t need to take out cancellation insurance with excessively high ceilings – your accommodation won’t be covered.
How much does travel insurance for Indonesia cost?
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The price of travel insurance is not fixed. In fact, as with the best insurance, everything is defined according to specific criteria. Chapka Assurances, Mondial Assistance, Europ Assistance, Axa, etc., companies are free to define their rates and level of risk. So it’s a safe bet that you won’t find two identical prices for your travel insurance in Indonesia.
This rate will be determined by the following points:
- Duration of your stay;
- Level of cover;
- Your profile;
- Planned activities;
- Compensation ceilings;
- Number of persons to be insured;
- Franchises;
- Deficiencies.
In short, it’s very simple. The stronger your guarantees, and the more risks you take during your stay, the higher the price.
Why take out travel insurance for Indonesia?
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Travel insurance, like all insurance, is designed to cover a sudden and unforeseen risk. As the name implies, this risk can occur at any time, and no one is immune to the need for travel insurance. By taking out travel insurance, you can be sure that you’ll be taken care of in case of need, and that you’ll have better control of your budget by avoiding heavy expenses. Prevention is better than cure.
What does comprehensive travel insurance cover?
Travel insurance provides a number of benefits. However, as this type of insurance can be tailor-made, not all the coverages we’re going to discuss may be included in the contract. As we’ve already mentioned, insurance should be chosen on the basis of your actual needs. There’s no need to take out travel insurance with « extreme sports » cover if you’re visiting the temple of Borobudur or the museums of Jakarta.
Here is a list of guarantees you can choose from:
- Medical expenses;
- Liability insurance;
- Trip cancellation and change insurance;
- Search and rescue;
- Luggage insurance;
- Legal protection insurance;
- Coverage in the event of hospitalization;
- Sports / extreme sports insurance;
- Repatriation assistance.
Is travel insurance compulsory for Indonesia?
No, travel insurance is not compulsory if you travel to Indonesia, as the country has not legislated in this respect.
However, just because this insurance is not compulsory doesn’t mean you shouldn’t take it out. The risk is there, and medical expenses can be substantial in the event of illness or accident. Similarly, civil liability insurance protects you if you damage property or injure someone. Each of these types of coverage is of real interest during your stay abroad. Without falling into psychosis, it’s important not to minimize risk.
Travel insurance is a bit like homeowner’s insurance. It is not compulsory. However, most homeowners take out travel insurance to cover the financial risk in the event of a claim.
The importance of repatriation insurance for Indonesia
Indonesia is a remote country, and this assistance is even more essential given the cost of repatriation from this country to France. This coverage should therefore be included in your travel insurance.
Repatriation insurance is important for two reasons. If you are injured during your trip to Indonesia, or contract a serious illness, repatriation may be necessary. This insurance can cover not only your air fare, but also that of any medical escorts you may need.
In addition to medical repatriation, you should consider repatriation as part of an early return for your family. Let’s say you lose a loved one during your round-the-world trip. You hadn’t planned to return at that time, so you don’t have a plane ticket to attend your loved one’s funeral. In the event of your loved one’s death, this coverage ensures that you can return to France to be with your family.
Am I reimbursed for my medical expenses in Indonesia by the French health insurance system?
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When you travel within the European Union, you benefit from the European Health Insurance Card(EHIC). If you’re traveling further afield, you don’t have this protection. However, Social Security can reimburse you for urgent and unforeseen medical treatment. When you return home, you fill in the « Care received abroad » form n°12267*04.
You must enclose your receipted invoices and the medical prescription for the treatment you received.
But don’ t be too optimistic about this reimbursement. Healthcare costs are different in Indonesia and France. However, Social Security will reimburse up to the level of French conventional tariffs. This is unlikely to be enough.
Does my Visa or Mastercard card cover me in Indonesia?
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Yes, your premium Visa Premier or Mastercard Gold card can protect you during your stay in Indonesia. The question is whether this protection is sufficient.
On the one hand, the bank card only insures travelers for 90 days. You don’t need to exceed this period to be covered. Secondly, credit card insurance cannot be customized; it is specific to each card. Check your general terms and conditions to make sure you have all the cover you need. Make sure that the compensation limits are also in line with your needs during your trip to Indonesia.
Compare credit card and travel insurance to make sure you’re choosing the best solution.
What insurance should I take out when renting a car in Indonesia?
During your stay in Indonesia, to gain independence, you’ll certainly want to rent a car.
Your rental company will include car rental insurance. Make sure it’s sufficient. Most of the time, it won’t cover damage to your vehicle if you’re at fault in an accident. And, if this is the case, it’s not unusual for you to have to pay a deductible.
You can take out a car rental insurance policy that’s better suited to your needs, so that you can reduce or even eliminate your deductible and limit your financial risk in the event of an accident.
Administrative, health and safety for Indonesia: our advice
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Here’s some information you might find useful before and during your trip to Indonesia.
Which visa for Indonesia?
French nationals no longer need a visa if their stay in Indonesia is less than 30 days. However, a passport valid for 6 months beyond the date of return to France is required.
Good to know: if you apply for an emergency passport, this time a visa is required to enter Indonesia.
If you wish to stay between 30 and 60 days, you must apply for a tourist visa before your departure.
Planning to stay longer than 60 days in Indonesia? You can apply for a socio-cultural visa. The second option is to leave Indonesia for a neighboring country and return with a new visa.
Health & Hygiene
We recommend vaccination against typhoid fever and hepatitis A, as well as malaria. Mosquitoes are very active in Indonesia, so be sure to bring appropriate protection.
Don’t drink unboiled water, as it’s unfit for consumption. Don’t swim in freshwater, but rather in the sea, as the risk of leptospirosis or hepatitis A is high.
On-site security
Papua Indonesia is less secure than the rest of the country, and should be avoided. The same applies to the borders with Singapore, Malaysia and the Philippines. Outside these areas, there are no major risks apart from theft, so be vigilant and keep your valuables out of sight.
What to do in the event of an accident in Indonesia
If you are the victim of an accident or assault, contact the local authorities.
In case of need, you can also turn to the Indonesian embassy.
Here are some numbers to register before you leave:
- French Embassy in Jakarta: +62(21)23 55 76 00;
- Police: 110;
- Firefighters in Bali: 113;
- Ambulances: 119.
Health insurance for expatriates in Indonesia?
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If you’ve decided to live in Indonesia for an extended period, you’ll need to take out expatriate insurance rather than travel insurance.
This will provide you with comprehensive day-to-day protection, just as you would have in France. What’s more, depending on the policy you take out, you may benefit from repatriation assistance if you need to return to France early.
Don’t hesitate to make a comparison to find the best cover, whether you want to be reimbursed for healthcare costs, or be supported in the event of a dispute thanks to legal protection or if you injure someone via third-party liability.
You’re all set to travel to Indonesia! We hope nothing happens to you. But if anything does, now you know what to do!