Visa-ready plans from $962 per adult, billed annually · see your exact price by age.
The rule in writing
“The retirement route requires insurance covering health, death and third-party civil liability — and the official requirement list states it may be held in the applicant’s home country or in Indonesia, so a home-country international policy is a named option rather than a workaround. Caveat, stated openly: this list is published by a regional immigration office under the pre-E33F framing; the national eVisa portal publishes no E33F requirement list we could verify.”
Official source: Kantor Imigrasi Kelas I TPI Yogyakarta — Wisatawan Lanjut Usia/Pensiunan requirements page — Last verified:
The rule in writing
“The remote worker visa (E33G) lists NO insurance requirement of any kind: the official document checklist asks for a passport, bank statement, photograph, CV, itinerary, proof of US$60,000 annual income and an employment contract with a company established outside Indonesia — and nothing else. A verified absence: no page on this site may claim this visa requires insurance.”
Official source: Directorate General of Immigration — official eVisa portal, Type of Visa E33G — Last verified:
The shape of healthcare on the island
For foreigners, Bali's healthcare is private healthcare. The hospitals expats use cluster in Denpasar and the southern corridor, with international-standard clinics scattered through Canggu, Ubud and Sanur handling everyday medicine. Public hospitals exist and treat foreigners, but they bill foreigners as private payers and are not where most expats end up.
The island's real limit is complexity. Serious cardiac work, complex oncology, major trauma beyond a certain point: the standard of care pathway runs to Jakarta or to Singapore. That is not a criticism of Bali's doctors, it is geography, and it has a direct insurance consequence: cover for a Bali resident has to be comfortable paying for treatment somewhere other than Bali. A policy that only works on the island, or only in Indonesia, fails exactly when things are most serious.
Visitor cover and resident cover are different products
Most insurance held in Bali is travel insurance, because most foreigners in Bali are travellers, and a two-week policy is the right tool for a two-week trip. The mistake is arriving to live on one. A travel policy is built around one question: how do we stabilise you and get you home? A resident has no home to be gotten to. The medicine that fills a resident's year is outpatient: the skin infection that will not clear, the dengue test, physio after the scooter came off worse, a child's ear infections. Trip policies are not designed to fund that, and their per-trip duration caps quietly expire on people who stay.
Resident cover inverts the design: inpatient and outpatient care where you live, direct billing with the hospitals you would actually use, cover that follows you to Jakarta or Singapore when the case demands it, and a term measured in years.
What it costs from Bali, and the rule about permits
International plans price Bali by exactly two inputs: your age and your plan level. There is no Bali premium and no island discount; entry-level hospital-only cover starts from $392 a year for an adult, and a family prices as the sum of its members with children at a flat rate. Your exact figure takes about a minute: request a Bali quote.
On paperwork: whether your stay permit requires insurance at all depends on the route, not the island. The remote worker permit lists no insurance requirement; the retirement route requires health, death and liability cover and accepts a policy from your home country. The full route-by-route picture is on our KITAS insurance page.
Honest limits: Cover is worldwide but excludes treatment in the United States. Pre-existing conditions are excluded, including conditions you did not know about. We disclose this before you request a quote. Consulates keep discretion, and requirements can change. We show the published rule and its source; the final decision is the consulate’s.