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Living in Bali offers an attractive lifestyle, whether you are relocating for work, moving with your family, retiring abroad or working remotely. However, understanding how healthcare works on the island and arranging suitable health insurance in Bali should be part of your preparations.
Bali has public hospitals, local clinics and a growing number of modern private healthcare facilities. The level of care, access to specialists and availability of English speaking staff can nevertheless vary considerably between facilities and locations. For more complex medical needs, patients may also need to travel to Jakarta or another country for specialist treatment.
For this reason, many international residents choose private or international health insurance in Bali, giving them greater flexibility when choosing healthcare providers and additional protection if treatment outside Bali becomes necessary.
As part of Indonesia, Bali operates within the country's national healthcare system.
Indonesia's public health insurance programme, Jaminan Kesehatan Nasional (JKN), is administered through BPJS Kesehatan. It provides access to subsidised healthcare through participating public facilities. Foreign nationals may be required or eligible to participate depending on their residence, employment and administrative status in Indonesia. Foreign employees working in Indonesia for an extended period should therefore check their BPJS obligations with their employer.
Public healthcare facilities in Bali can provide routine consultations, emergency stabilisation and inpatient treatment. However, waiting times can be longer and access to certain specialist treatments may be more limited than in the private sector.
Private hospitals and international clinics are consequently popular with expatriates. They generally offer easier access to English speaking healthcare professionals, shorter waiting times and facilities designed to accommodate international patients.
For expatriates who want access to private healthcare, private health insurance in Bali can significantly reduce the financial risk associated with medical treatment.
However, when choosing a policy, it is important to consider more than healthcare costs on the island itself.
Some complex conditions or serious emergencies may require treatment at a specialist centre elsewhere in Indonesia or overseas. An international health insurance policy can therefore be particularly valuable if it includes treatment outside Bali, medical transport or evacuation and repatriation, depending on the policy selected. APRIL International's current guidance notes that serious cases in Bali may sometimes require transfer to better equipped centres in Jakarta or abroad.
The right type of Bali health insurance depends largely on how long you are staying and the level of protection you want.
A local health insurance policy may primarily cover treatment within Indonesia and may come with specific limits on hospitals, benefits or reimbursements.
International health insurance is designed for people living abroad who want broader medical protection. Depending on the plan and area of cover selected, it can provide access to private healthcare in Bali while also covering treatment in other countries.
This can be particularly useful for expatriates, families, international professionals and digital nomads who travel regularly or may relocate again in the future.
When comparing health insurance for Bali, look carefully at:
Hospital and surgery cover
Outpatient consultations and diagnostic tests
Access to private hospitals and specialists
Medical evacuation and repatriation
Emergency treatment outside Bali
Treatment during trips abroad
Dental and optical cover if required
Maternity cover if relevant
Telehealth services
Direct billing at eligible healthcare providers
Healthcare costs in Bali vary significantly according to the facility, treatment and medical specialty.
Routine consultations at local clinics may be relatively affordable compared with many Western countries. Private hospitals and international medical facilities usually charge considerably more, especially for specialist consultations, diagnostic imaging, emergency treatment or hospitalisation.
Medical costs can increase substantially in the event of a serious accident or condition requiring surgery, intensive care or transfer to another hospital.
This is why the price of a health insurance plan in Bali should not be assessed solely against the cost of a routine doctor's appointment. A suitable policy should also protect you against less frequent but potentially much more expensive medical events.
Your premium will generally depend on factors such as your age, chosen area of cover, deductible, level of benefits and any optional cover selected.
Bali offers a combination of public hospitals, private hospitals and international clinics, particularly around Denpasar and the main expatriate and tourist areas.
One of the island's main public referral hospitals is RSUP Prof. Dr. I.G.N.G. Ngoerah in Denpasar, formerly known as Sanglah Hospital. It is a national referral hospital and provides a wide range of specialist services, including cardiology, cancer care and maternal and child healthcare.
Public facilities can provide important medical services, but international residents may encounter longer waiting times, administrative procedures or language barriers.
Many expats prefer private healthcare facilities because they typically provide quicker access to treatment and greater availability of English speaking staff.
Bali's healthcare infrastructure has also expanded with the development of Bali International Hospital in Sanur, which was officially inaugurated in June 2025 as part of the Sanur Health Special Economic Zone. The project is intended to strengthen specialist healthcare and medical tourism services available in Bali.
The most appropriate facility will depend on your condition, location and insurance policy. Always check whether your chosen hospital is included in your insurer's healthcare network before planned treatment.
Where you live on the island can also affect your access to medical care.
Residents of Denpasar, Sanur, Kuta and Nusa Dua are relatively close to many of Bali's larger hospitals. Expats living in Canggu, Ubud, Uluwatu or more remote areas in northern and eastern Bali may need to travel further for specialist hospital treatment.
Traffic congestion can also increase journey times, particularly around Denpasar and popular areas in southern Bali. In an emergency, distance from an appropriately equipped medical facility can therefore become an important consideration.
When choosing where to live in Bali, families and people with ongoing medical needs may want to consider the proximity of hospitals and specialist healthcare alongside other practical factors.
Although the range of medical services available in Bali continues to expand, certain highly specialised treatments may still require a transfer to another healthcare centre.
Depending on the medical situation, this could mean travelling to Jakarta or, in some cases, receiving treatment in another Asian medical hub.
Medical evacuation can be complex and expensive when it involves specialist transport, medical supervision or an international transfer.
For expatriates, international health insurance in Bali that includes medical evacuation and repatriation can provide important additional protection, subject to the terms and conditions of the policy.
Bali is also a popular destination for remote workers and digital nomads.
If you are spending several months or longer on the island, standard holiday travel insurance may not provide the same level of protection as health insurance designed for people living abroad.
Travel insurance is generally designed for temporary trips and unexpected travel related events, whereas international health insurance can provide more comprehensive medical cover for longer periods abroad.
Digital nomads should consider the length of their stay, visa status, countries they plan to visit and whether their policy provides ongoing cover when travelling outside Indonesia.
APRIL International provides international medical insurance solutions designed for people living, working, studying or travelling abroad.
Depending on the plan selected, your cover can include:
Reimbursement of eligible medical expenses, including treatment in private facilities
Cover in your country of residence and during eligible trips abroad
Optional dental and optical benefits
Medical transport and repatriation assistance
Direct settlement of eligible hospital costs
APRIL International also operates an extensive healthcare provider network in Asia. Eligible members can access direct billing with participating providers, helping reduce the need to pay medical bills upfront and claim the money back afterwards. The network continues to expand in Indonesia, including healthcare providers in Bali.
With the Easy Claim app, members can manage their insurance and locate healthcare providers while abroad.
Whether you are moving to Bali permanently, relocating with your family or planning to live on the island for several months, choosing suitable health insurance in Bali can help you access the healthcare you need and protect you against unexpected medical costs.
It only takes a few steps to join and start benefitting from your international health insurance cover!
1. Find the cover that suits your situation from a range of options
2. Request a quote online and sign it electronically
3. Download the Easy Claim app and benefit from a wide range of features to help manage your plan with ease, wherever you are!
4. Get a call back or chat with one of our dedicated advisers at any time.
Set yourself up for success with our detailed checklist guiding you through all the essential pre-move preparations for Indonesia.
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