Nobody likes to think that something bad will happen while traveling or living abroad. Bali is one of the most beautiful islands in the world with millions of tourists coming to visit yearly and many of them deciding to stay for a while. That means that Bali is vastly populated and it is important to take care of yourself for bad things can happen. It is of vital importance that you have health insurance in Bali. If you are planning to stay in Bali for a short time, say for less than one year, and the move is only temporary, travel insurance may be a good option. Many travel insurance companies offer policies up to 12 months.
Some of the businesses that offer travel insurance include World Nomads and Covermore. You can sign up online and with World Nomads you can even apply if you have already started traveling. If on the other hand you plan on moving to Bali on a more permanent basis, longer than a year, you will need to look into expatriate insurance. There are a couple of international companies that offer this, such as William Russel and BUPA. There are also agents in Bali that you can meet in person, and they will help you select the best option for your needs. Asia Life is one such company: http:// www.asialife.net.
Bare in mind that hospitals and doctors are very expensive in Bali. Most accidents occur in traffic, and can sometimes be severe. Check whether your insurance company offers medical evacuation or medivac. If someone is seriously injured and hospitals here cannot treat them, they need to fly on a privately chartered plane to another country, and that can be very, very expensive. Unfortunately many people travel without medical insurance and then when something happens, their families are left struggling to collect money for the doctor’s bills. Don’t be one of them! ■