Giving birth in Bali: the cover gap nobody mentions

We would rather be the page that tells you this than the one that lets you assume otherwise.

On the Regency Assurance plans, the general exclusions list includes pregnancy, terminations, complications, antenatal care, midwifery, delivery and postnatal care. That is not a tier distinction — it applies across the products, and complications of pregnancy are named alongside the routine care.

International health insurance in this market is generally built that way. Where maternity cover exists at all it is usually a separate product or a rider with a long waiting period — typically measured in months before conception, which is the detail that catches people who arrange cover once they already know.

If maternity matters to you, that is a question to ask before you buy any policy, ours included.

With cover out of the picture, the planning is practical.

Bali has private hospitals used to foreign patients, and several appear on the US Consular Agency's maintained list of facilities — including Kasih Ibu, whose name translates roughly as mother's love and which operates general hospitals across the island. The list is curated but explicitly not a recommendation.

The FCDO's national caveat still applies and is worth weighing for a birth specifically: it warns that "the standard of local medical care can be poor and some medical tests cannot be performed reliably", and it singles out pregnancy as a reason to check that your destination can provide the healthcare you may need. For a straightforward delivery that reads differently than for a pregnancy already flagged as high risk.

Source: U.S. Embassy & Consulates in Indonesia — Medical Assistance, Bali

A birth in Indonesia is registered in Indonesia first — that local registration is what produces the Indonesian birth certificate, and it is the document everything else is built on.

Separately, British parents can register the birth with the UK authorities and order a consular birth registration certificate, which gov.uk prices at £50 per certificate. Consular registration is optional rather than required — it does not confer nationality, which follows its own rules — but it creates a UK record and a certificate you can obtain copies of later.

Other nationalities have their own equivalent process through their embassy. The order that matters is the same everywhere: local registration first.

Source: GOV.UK — Register a birth abroad

To be clear about scope, and this is the important one on this page: we cannot help with maternity. Pregnancy, antenatal care, midwifery, delivery and postnatal care are all excluded under the Regency Assurance policy wording, on every plan. We would rather say that here than let you find out later.

What we can introduce is international health and life cover for everything that is not maternity, for you and in due course for a child as a named dependant. Pre-existing conditions are excluded.