Insurance in Bali. Which one is better to choose?

With policies for European countries, everything is much simpler, since the insurance rules are the same for everyone and you can buy insurance that will be valid throughout the Schengen zone. However, if you need insurance for Bali, you should approach the choice much more carefully. we tell:

• Bali Resort: Features of a Vacation in Indonesia
• How to Choose Good Insurance for an Exotic Vacation
• Why is it Better to Buy a Policy Online
• How is the Cost of Insurance Formed?
• Insurance in Bali: How to Choose?

Bali Resort: Features of a Vacation in Indonesia

Indonesia is an exotic country for us, and Bali is the most popular resort on its territory. Many Europeans, Ukrainians, Belarusians, and Russians spend the whole winter there, hiding from the cold. Some simply come on vacation. Vacationing in this place is different from vacationing somewhere in a European city. There are also unforeseen events that can affect your health. 

What insurance cases can happen?

• A trip on a motorcycle or scooter. They can be freely rented there, because this is the main means of transportation in the area. Many people get behind the wheel for the first time in Bali, because it is really necessary. And it is quite likely that an unfortunate fall or collision may occur.
• Surfing This is what most people go to the resort for. Bali is a place where the weather is always good and the waves are suitable, there are many schools with surfing lessons, renting boards and all the necessary equipment. The first lessons, even with an experienced teacher, are not without falls. Which may not be very successful: knocking out a knee, dislocating a leg or arm, getting hit - this is a common thing for extreme sports enthusiasts.
• New food You never know what you are allergic to until it manifests itself. It can be a new tropical fruit, an unusual spice, some drink, seafood - also strong allergens. And, on vacation, there is always a chance of simply getting food poisoning.
• Vacation with children. Children on a trip can easily catch a cold from the strong wind from the ocean, get sunburned, and they are even more likely to have allergies. Even if you are responsible parents, dress your child properly and apply sunscreen - such situations can still arise.
• Problems that do not concern the health of travelers. For example: on a long flight with a transfer, luggage can get lost. There is always a chance that they may refuse a visa. The flight may be delayed, which will allow you to make a transfer or simply be forced to stay one more night in a hotel. You can also protect yourself from such troubles if you choose the right policy.

How to choose good insurance for an exotic vacation

You should not choose the cheapest insurance policy if you are going to go to this country. After all, it only includes medical services and may not even cover the treatment of injuries from extreme sports. 

Why is it better to buy a policy online

It's cheaper and faster. Yes, you don't need to go to insurance company offices, spend time talking to consultants, or wait for them to draw up papers. It's also easier for companies, which is why they sell electronic policies cheaper than paper ones.

You can study all the offers. It's very convenient on search sites: you enter all the parameters you need, country, dates — and all the offers are shown to you. You can sort them by rating or price, find the most profitable option, and study reviews about it. This search method makes it possible to obtain the most complete information, structure it in a convenient way and choose the best insurance from those that exist.

How is the cost of insurance formed?

• Your duration of stay: vacation for 2 weeks, for 1 month or for the whole winter at once.
• How many people are going. It may be cheaper to take out group insurance.
• Your health condition. Are there any chronic diseases or injuries at the time of the trip?
• What services are included in the insurance package: only medical care, treatment of sports injuries, property insurance or possible flight cancellation?

Insurance in Bali: how to choose?

Go to the website where all insurance companies are collected. Enter your data: how old are you, what type of vacation are you interested in, how long are you going for. Don't forget to mention that you are going to Indonesia. You will be shown a number of offers, from the cheapest to the most expensive. How to choose among them?

Study reviews about insurance payments. Travelers who have had complications with payments under an insurance case have probably written about it on the Internet.

Study what is included in the cost of insurance. Choose a package that includes not only medical services, but also insurance against flight problems (cancellation, flight delay, loss of luggage). Also, pay attention to such items as: insurance against visa refusal, civil liability insurance, the possibility of losing documents.

A long vacation in nature, by the ocean, can be heavenly, only if you prepare well for it. Including choosing a high-quality insurance policy