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Travel Insurance to Indonesia

Indonesia on the world map

Tourism is highly regarded in Indonesia, and it contributes significantly to the Indonesian economy. In fact, several million tourists flock to Indonesia annually, to behold the beautiful views and majestic heritages deposited in attractive places like Bali, central Java, Jakarta – its capital city and etc.

According to Travel and Tourism Competitiveness Report, 2017, Indonesia was ranked as the 42nd country with a travel and tourism competitiveness index of 4.2, out of 136 countries. Statistics also revealed an astonishing record of 11,519,275 international visits to the region in 2016.

General Information about insurance to Indonesia

Prior to departure from country of residence to Indonesia, tourists and foreigners should endeavour to make adequate arrangements for health services. Health services are quite expensive in Indonesia. Hence, tourist and foreigners are recommended to acquire a valid travel insurance policy to shield them from the financial risks and inconveniences associated with catering for medical expenses as a result of certain health issues and other unpleasant events that may occur during the trip. In addition to coverage of medical expenses, a standard travel insurance policy will provide support for repatriation and emergency medical evacuation in times of severe illness, death, unforeseeable epidemic outbreak or natural disaster.

It is recommended to obtain insurance not letter than 5 days before departure to Indonesia.

Types of Travel insurance

The two major types of travel insurance policies are:

  • Single Trip insurance.
  • Multi-trip insurance.

These insurance policies provide the opportunities for foreigners to extend the coverage to their family members and loved ones at an additional cost. However, no cost is involved in extending the coverage to children below the age of three (3) years.

Cost of travel insurance policies

The cost of obtaining a valid insurance policy varies from one insurer to the other and depends on several driving factors. These factors are highlighted below:

Some Insurance companies may offer travel insurance services for various premiums, depending on their interests, organizational goals and business strategies. Some companies may require the insured to pay a certain amount of deductibles, while other insurers may not require the insured to pay deductibles before the actual coverage can begin to take effect.

The age of the individual seeking the insurance policies determines the cost of the insurance policy. For instance, the premium for an adult will be less expensive than the premium required to cover a child or an old person above 64 years.

The cost of insurance per day for a long trip may be inexpensive when compared to that of a short trip. For example, if trip A is scheduled for 30 days, and trip B is scheduled for 7 days on the contrary. The insurance cost for one day may be inexpensive for trip A. However, the cost of insurance for one day may be expensive for trip B.

Extending the insurance coverage to individuals above the age of 2 years will require an increased premium. More so, a high premium is associated with multiple companions. For instance, some insurance companies provide the capability for the insured to extend the insurance policy's coverage to children below 2 years, without incurring an additional cost. Contrary to this, a huge amount of premium will be required to extend coverage to other family members, close relatives or friends, and the cost of such extension will be multiplicative.

The travel insurance policy can be supplemented by including non-medical options to protect the policyholder from events that may be financially catastrophic.

Pre-existing conditions

Several Insurance companies do not cover pre-existing conditions, but a handful of them provide policies with the capabilities to cover several kinds of pre-existing conditions at an increased premium.

Note
The cost of the travel insurance policies could be determined through the insurance company’s customer care.

Additional Options for extending the travel insurance coverage

Other options can be included by the insured to enhance the coverage capacity of the travel insurance policy.

These Additional options include:

  • Trip cancellation.
  • Dental Insurance.
  • Sports Insurance.
  • Personal liability insurance.
  • Luggage insurance.
  • Accident insurance.

Trip Cancellation Insurance

The risk of forfeiting a fare may be associated with purchasing a ticket for a scheduled trip. After paying for a fare, the insured tourist may forcefully abandon his/her itinerary due to the occurrence of circumstantial events beyond his/her control. The following reasons may cause the forceful cancellation of a scheduled trip:

  • The insured may be declared unfit for the trip by a doctor.
  • The insured’s visa application may be rejected at the Embassy for certain reasons, especially if the insured had purchased the fare in advance, prior to the visa interview.
  • The death of either the insured or his/her or family member or close relative.
  • Sudden sickness of the insured’s child.
  • The insured may be summoned as a witness to testify in the court of law.
  • The insured may be ordered to undertake a critical military assignment on behalf of his/her nation.

Note:

  • The insured must inform the transport carrier, and cancel the trip.
  • The insured must provide adequate documentation and necessary reasons for cancelling the trip.
  • The insured must not be seriously ill while purchasing the fare.

The dental insurance options provide coverage for expenses on regular dental and oral care procedures. The standard travel insurance policy will not provide orthodontics and other cosmetic dentistry services, it will only assist in times of emergency by providing pain relievers for the insured.

Hence, in order to perform certain kinds of dental procedures like crowns, root canal treatment, bridges, cavity fillings, tooth extractions, x-ray, regular cleaning and other orthodontic procedures, it is better to include the dental insurance.

The luggage of any traveller is subject to the risk of loss or damage by accidents and theft respectively. Provided this insurance is included, it may cover the expenses associated with losing the insured’s luggage.

For instance, the tourist may lose some luggage contents like clothes, medications, credit card or other important documents. In such cases, if this insurance is included, it will provide compensation, especially if the contents of the luggage are not misplaced due to the negligence of the insured.

The compensation provided by the insurance is valued at a certain sum less the depreciation of the missing item. For instance, if the insured loses his/her clothes, the insurance will provide compensation based on the current value of the clothes.

The insurance doesn't provide coverage for the loss of expensive properties like pieces of jewellery or other properties meant for commercial purposes.

If the insured intends on travelling with expensive jewellery or electronics like laptops, they should be kept close to the insured in a hand luggage and not in the cargo section of the plane.

The sports insurance, if included; will provide coverage for expenses involved in treating severe injuries sustained by the insured during a sport or outdoor activity. Tourists planning to participate in one form of rigorous exercise or the other should endeavour to insure the associated risks by opting for the sports insurance option. For instance, if the insured intends to climb mountaintops of Rinjani or participate in motorbiking, it will be wiser to add this option, because in cases of an accident, the default medical coverage provided by the travel insurance will not be able to settle the expenses for treating severe injuries, and it will not provide subsequent compensational benefit, especially when the sport accident leads to certain kinds of disabilities.

The accident insurance provides coverage for treatment of severe injuries sustained as a result of an accident event.

Will the medical insurance cover treatment for accidents, and why is accident insurance necessary?

Yes, it will, but subsequent compensations for resulting disabilities, dismemberment, loss of limbs, sight and extremities will not be provided by the travel insurance alone. Rather, if the accident insurance is included in advance, it will provide such compensations. For instance, if the tourist losses his sight and sustain multiple fractures during a car crash along the Kelok 9 road. After covering the expense of necessary treatment for trauma and injuries, the accident insurance will provide compensation.

Personal Liability Insurance

An insured tourist may inadvertently destroy or inflict injuries on a third party, and get sued. And he/she may incur the cost of treating the third party or replacing the victims damaged property. Similarly, the insured may commit an offence in Indonesia out of ignorance. In such an unfortunate situation, the personal liability will cover the cost of settling any arising court case or punishment by the law. If necessary, the personal liability insurance will provide a competent lawyer to negotiate on the insured‘s behalf in such an unfortunate situation, provided this option is included by the insured prior to the insured’s event.

The option may not provide coverage in the following cases:

  • Cases of immoral misconduct.
  • Involvement in criminal offences, especially in connection with any form of syndicate or drug cartel.
  • Involvement in a terror plot.
  • And other cases.

Try and read the terms and conditions of the policy to gain more insight on these sections.

  • Transportation cost to medical facilities.
  • Expenses for outpatient treatments in clinics.
  • Repatriation as a result of death.
  • Dental services and pain relieving treatments in cases of emergency intervention.
  • Expenses associated with recovering lost documents.
  • Expenses for legal aid.
  • Search and rescue operations, only at an additional cost to the original premium.
  • The insurance company will deny the coverage of a medical expense which arises from self-inflicted injuries.
  • Death as a result of suicide will not be compensated by the insurance policy.
  • False declaration of health status. If the insured provides false information about his/her health situation, the insurance company will refuse subsequent coverage. Therefore, it is better to present honest and valid information about insured's health condition, especially when the insured is diagnosed with a terminal illness immediately after purchasing the insurance policy. For instance, if the insured is diagnosed with a cardiovascular disorder which was absent when the insured was purchasing the insurance policy, the insured must inform the insurance company in order to avoid denial.
  • Pre-existing conditions are not covered by several insurers, and only a handful of these insurers would cover pre-existing conditions at a high premium.
  • Treatment of chronic or mental diseases.
  • Injuries sustained from accidents as a result of drug abuse or excessive intake of alcoholic products will be denied by the insurance company.
  • The insurance company will not be responsible for covering the expenses associated with treating menstrual abnormalities, impotency, birth control and artificial insemination.
  • Travelling for the sole purpose of receiving medical treatment will not be covered by the insurance company.
  • The insurers may deny the expense on the treatment of accidents, especially if the insured drives without a valid driving license.
  • Accidents as a consequence of alcoholic or narcotic intoxication.
  • The insurance coverage will fail if the accidents are experienced as a result of negligence on the insured's part. For example, if the insured doesn't pay attention to risk reports and updates provided by his/her insurer.

Actions performed in the case of an insured event

First of all, contact the representative of the insurance company and provide detailed information regarding the insured event. Also, be sure to report any contraindications or allergies to certain kinds of medications. Duplicate (if possible) your appeal by sending an e-mail format of the complaint in addition.

At the time of the appeal, be ready to provide the customer care with the following details:

  • Name of insured person.
  • Number of the insurance policy and the name of the insurance company.
  • Current location.
  • A phone number that will be used in following up details about the insured's situation.

After this procedure, the insured will receive instructions from the representative of the insurance company concerning the medical institution to visit. If the medical institution is far from the insured's location. The insured must specify the mode of transportation required to deliver him/ her to the proposed medical institution. The insured must also make inquiries concerning who will incur the cost of such a fare.

Keep all documents and evidence concerning the payment of transport to the medical institution.

In the hospital, do not pay for any service, except it’s a copay. And don’t forget a passport or any other important documents at the front desk. The insured must preserve all documents confirming the costs of medications.

Note

If the Insured is directed by the customer care to a medical institution in which it is necessary to make a cash payment, for subsequent compensation of expenses; the Insured must obtain the following documents:

  • An invoice for payment confirmation.
  • Doctor’s statement indicating the diagnosis in English.

Do not go to any medical institution, except the institutions recommended by the insurer’s customer care. Such actions may require the insured to bear the cost of the medical services without receiving subsequent compensation from the insurance company.

Cost of Medical Services in Indonesia

The cost of Medical services provided in Indonesia is high, especially without a health insurance coverage. However, several Indonesian hospitals don’t charge for emergency room utility. The patient is only charged for doctor’s consultation and medical prescription. The hospital bills would only increase when the patient can’t be treated in a normal hospital room or when the patient requires hospitalization. Despite the high cost of medical services in Indonesia, civil servants and other citizens receive medical services through health insurance policies at a reduced fee. For instance, hospitalization may cost Rp 750,000 per day, and Rp15 to Rp20 million for a light surgery in Pondak Indah hospital. While in Siloam Hospital, hospitalization cost about Rp 450,000 for one day, and about 15 million, with the inclusion of surgery and doctor’s consultation.

Safety

Before travelling to Indonesia, consult a doctor to determine the required vaccines and corresponding dosage. If an allergy may arise from using any vaccine, the doctor should recommend an alternative. The list bellow enumerates the lists of mandatory vaccinations required while leaving for Indonesia:

  • Polio.
  • Hepatitis A.
  • Hepatitis B.
  • Measles.
  • Typhoid.
  • Malaria.

There are risks of food poisoning in every new environment, and as such; tourists should be mindful of what they eat at all times. Tourists are advised to avoid purchasing or eating food from street vendors in order to escape the discomforts associated with consuming food and drinks that are prepared under low sanitary standards. The tap water is usually untreated and completely unsuitable for drinking or washing the mouth. Instead of consuming tap water, tourist should take drinking water from sealed bottles manufactured by reputable water supply industries.

Tourist intending to explore the jungles, mountains or caves of Indonesia should be wary of mosquitoes, Komodo dragon, Rove Beetle, spiders, scorpions and assorted kinds of Cobras and other kinds of dangerous reptiles. Tourists should also stay away from swampy areas that could serve as habitat for crocodiles.

Mosquitoes can be expelled by applying repellant creams to the skin. Tourists should also avoid venturing into Jungle and cave without seeking the services of an escort who is familiar with such environments.

Indonesia is characterized by a tropical climate, which varies from one geographic location to another. There are two kinds of monsoons in Indonesia, namely; the eastern and western monsoons. The eastern monsoon causes dry season which predominates from the month of June to September, while the western monsoon brings forth rains from the month of December to March. Places with higher altitudes above sea level are usually cooler.

Crime level in Indonesia is limited to petty theft like pickpocketing in transport facilities and around the beaches.

Note:
There are very strict anti-drug legislation in Indonesia, and violating such rules can incur severe penalties amounting to 15 years in prison.

Natural Disasters

Indonesia is prone to the following natural disasters:

  • Flood.
  • Earthquakes and tsunamis.
  • Landslides.
  • Volcanic Eruptions.

Over the past, these disasters have caused the loss of lives and properties and evacuation of people from their homes.

The timeline below enumerates the occurrence of various disasters over the last four (4) years.

Date
Disaster
Place
Death and evacuation
February 2014
Sinaburg Eruption
Karo Regency, North Sumatra
About 16 fatalities and 30,000 displaced victims
December 2014
Karangkobar landslide
Bamjarregara Regency, central Java
Approximately 100 fatalities
December 2016
Pidie Jaya earthquake
Pidie Jaya Regency, Aceh
Approximately 100 fatalities with over 45,000 displaced victims

Road Accident Statistics in Indonesia

Indonesia has 15.3 road fatalities per 100,000 inhabitants annually. Data from the Indonesia Police revealed that about 105,000 traffic accidents occurred with 25,000 fatalities in 2016, indicating 2.8 deaths per hour.

Terrorism

No place in the world is totally safe from threats of terrorism. Hence there are tendencies for terrorists to execute attacks in Indonesia, at any time or place. These attacks could either be suicide bombing or gunshot attacks at crowded places. The Indonesian government have disrupted several planned attacks in the pasts. However, tourists should be vigilant, especially during festive periods like the Independence Day celebration, Easter, Christmas and New Year.

Note:
Corporate with the local authorities by observing all established security protocols with due diligence. And report any suspicious case to the authorities.

Emergency Number

Tourists and other foreigners are advised to save the following emergency numbers while travelling to Indonesia:

Services
Numbers
Police
112 / 110
First aid and rescue services
118, 119
Firefighter
113
Tourism Police, Bali
(0361) 754 599 / (0361) 224 11
Tourism Police, Jakarta
(021) 526 4073

For free emergency medical care, the following Red Cross telephone contacts and address are provided below:

Indonesia Red Cross Society Jl.

Jenderal Gatot Subroto Kav. 96
12790 Jakarta Selatan
Postal Address: PO Box 20

Telephones:
Bodies: (62) (21) 7992325
Fax: (62) (21) 7995188.

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