Travel Insurance for Bali

Travellers going on a trip outside India must always consider buying travel insurance to secure their journey. Travel insurance is a type of insurance designed to protect individuals, families, and groups from travel-related risks. So whether you are travelling for leisure, business or education, you can secure your trip by getting financial protection from dozens of covered risks and explore the world with confidence and peace of mind. From loss of checked-in baggage to medical evacuation, travel insurance covers several risks, providing compensation for these expenses

As a traveller visiting Bali, there are several benefits one can expect when opting for Bali travel insurance. Here are some of the key benefits a traveller can expect from Indonesia travel insurance from Niva Bupa:

• Niva Bupa offers travellers a simple, convenient and affordable way to secure their Indonesia trip with the best travel insurance for Bali.
• Coverage of up to $100,000 under Bali travel insurance.
• Niva Bupa provides 24/7 assistance in any emergency to travellers with travel insurance for Indonesia.
• The policy covers policyholders from expenses incurred due to medical emergencies, personal accidents, COVID-19, medical evacuation, repatriation, pre-existing diseases during emergencies, and more.
• Student travellers with travel insurance for Bali are also covered for several additional risks, including 100% coverage for pre-existing diseases, study interruption coverage, sponsor protection, dental treatment, maternity expenses, and more.
• Travellers are also covered for non-medical risks, such as lost checked-in baggage or essential documents like passports and visas, missed connecting flights, trip delays, interruptions and cancellations, and personal liability.

As a traveller seeking insurance for travel to Bali, it is essential to know the specific coverages to expect as a part of the policy. Here are some of the critical coverages which travellers can expect from Niva Bupa’s TravelAssure policy:

• Delay or loss of checked-in baggage: This coverage offers partial or complete reimbursement for significant delay or loss of checked-in baggage.
• Missed connecting flight: This coverage reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to the original flight running late.
• Loss of passport: This coverage reimburses you for the cost of applying for a new passport if the original is lost.
• Dental treatment: This coverage reimburses a pain-relieving dental treatment availed under anaesthesia.
• Trip delay, cancellation, interruption: These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, cancelled, or interrupted due to certain conditions mentioned in the policy document.
• Medical emergency (hospitalisation): This coverage offers reimbursement for the cost of medical treatment.
• Emergency outpatient treatment: This coverage reimburses any emergency treatment under OPD.
• Medical evacuation: This coverage reimburses the transfer cost from one hospital to another if the primary hospital does not offer appropriate care.
• Emergency trip extension: If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to 7 days.
• Personal accident: This coverage offers a payout of up to the sum insured for accidental death or disability.
• Repatriation of mortal remains: This coverage reimburses you for transporting the mortal remains of the traveller or the cost of cremation in the city/country of death

In addition to the coverage, travellers also need to check the policy's limitations and exclusions. Here are some risks and circumstances that Niva Bupa does not cover.

• Treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.
• Active participation in military exercises, war games, or engagement with the enemy.
• Any loss or injury due to committing or attempting to breach the law with criminal intent.
• Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document.
• Maternity expenses.
• Non-prescription or unproven drugs or treatments.
• The provision of fitting hearing aids, spectacles, or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, and medical supplies, including elastic stockings, diabetic test strips, and similar products.
• If the insured person is travelling against the advice of a doctor or is receiving or on a waiting list for specified medical treatment.
• Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression.
• Countries with travel restrictions for Indians.
• Medical tourism.
• Damages due to adventure sports unless part of coverage.
• Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

Travellers must also remember that this list is just a summary of the exclusions. It is beneficial to refer to the policy document for a complete list of all specific exclusions and to protect yourself and your loved ones from financial loss or a negative travel experience when travelling with holiday insurance for Bali.

Anyone planning a trip to Bali and considering purchasing travel insurance Bali should check out Niva Bupa for Bali travel insurance. Whatever your needs, whether you are travelling for leisure, business or education, Niva Bupa offers a convenient and affordable solution. From ease of purchase and coverage for dozens of medical and non-medical travel-related risks to quick and hassle-free claims process providing cashless claims and reimbursement during hospitalisation and compensation for non-medical expenses.

Once travellers know what plan they would like to buy, they should consider the Bali travel insurance requirements for a quick and convenient purchase process. By understanding what is required, travellers can purchase the policy within minutes.

The following are the eligibility criteria for purchasing travel to Bali insurance from Niva Bupa.

• Adults should be between the ages of 18 and 70.
• Dependent children can be up to the age of 25.
• Travellers must possess and furnish mandatory documents like copies of passports, visas, income proof, and other relevant papers.

In 2024, buying travel insurance has never been easier. Leading travel insurance providers like Niva Bupa enable travellers to purchase travel insurance for Bali Indonesia, within minutes with just a few clicks. This not only makes the purchase process more accessible and more convenient, but it also enables travellers to secure their journey until they begin on their journey.

1. Visit the Niva Bupa website and click Travel Insurance in the header.
2. You can use the drop-down menu on that page to select Indonesia, the departure and return dates, and the phone number.
3. After clicking on view plans, you can check the destination-specific plans for Indonesia.
4. There, you can select your needs, such as whether you are going alone or with family, whether it is an independent trip or a corporate visit; there are also plans for students and senior citizens.
5. Review and select the appropriate plans, change the sum insured to the amount you want to insure for your trip and choose any add-ons.
6. After this, click “Next” and fill out the relevant information and medical declaration to purchase the plan of your choice.
7. Once the payment is complete, the Indonesia travel insurance policy will be emailed to you.

Following the above steps, you should be able to buy travel insurance from India to Bali from one of the leading providers in India in just a few minutes.

The best time for a traveller to buy travel insurance for Bali Indonesia is as soon as they purchase flight tickets. One of the benefits of international travel insurance is trip cancellation coverage. This coverage enables travellers to receive compensation for unrecoverable travel and accommodation expenses if a trip is cancelled due to covered risks. However, this coverage is only applicable once a policy period begins. If your trip is cancelled before getting insurance, you will not be eligible for compensation and will incur significant financial loss. By opting for travel insurance earlier, you can secure your trip and ensure financial protection.

• To file a travel insurance claim, you first need to contact your insurer, Niva Bupa.
• You may also contact the global third-party administrator if you are travelling overseas.
• You can raise a claim for travel insurance online, through mail, or even physically. You can do so both while overseas or when you return to India.
• You must submit a duly filled claim form along with the required documents based on the type of claim—for example, loss of baggage, trip cancellation, medical emergency, or death.

Besides this, one can make two types of claims in the case of a medical emergency.

Cashless Claim:

Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

• The customer intimates the claim to Europ Assistance via a toll-free number or email.
• The TPA - Europ Assistance will contact the customer and provide them with the required travel insurance for Indonesia details.
• Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.
• Europ Assistance will ask for the documents from the hospital or the customer and, after assessing the claim, will send them to Niva Bupa for approval/rejection/query/investigation.
• Our medical team will approve the claim by e-mail.
• The GOP will be released to the hospital as per the amount claimed.
• The hospital will contact the Europ Assistance team if any additional amount is required.
• At discharge, documents will be sent to Europ assistance and approved accordingly.
• After discharge, the hospital will send the documents to Europe Assistance for settlement to the hospital.

Reimbursement Claim

• Claim form
• KYC
• Cancelled cheque of the proposer
• Discharge summary
• Final bill along with break up
• Payment receipt
• All investigation reports 

A visa is a stamp from a different country that enables a traveller to enter that country for a specified amount of time for a specific reason. A traveller might be eligible for several types of visas, ranging from tourist to business, study, work, and permanent residence. Travellers planning a trip to Bali must first obtain a visa for their specific type of travel.

However, there is good news for Indians planning a visit to Bali. Indian travellers are eligible for visa-free entry into Indonesia for up to 30 days, with travellers looking to stay in the country for more than 30 days up to 60 days being eligible for a visit visa on arrival for just ₹2400.

Visiting any country requires an individual to pass through immigration and customs. Here, a traveller must show several documents to prove their identity and eligibility to enter the country.

Here are a few travel documents travellers visiting Indonesia must bring for direct entry or visa on arrival.

• Passport with at least six months of validity
• Proof of return flights along with a confirmed flight itinerary
• Filled application form
• Cover letter explaining the purpose of the visit
• If you have a sponsor in Bali, then produce a letter from the sponsor
• Recent passport-size photographs
• Travel itinerary
• Form 16 from the recent financial year
• Proof of funds with the bank account
• Salary slips from the last three months of the applicant
• Proof of pension order if the applicant is retired

Travellers searching for the best time to visit Bali should visit the island between April and October. This is because not only is the weather ideal for tourists, but it also provides a relatively relaxed atmosphere with lower prices at restaurants and markets and entry into tourist spots with fewer visitors.