AMTD PolicyPal Soak in the sights of Bali while staying safe and sound with these best travel insurance options.
Bali stands out as a favourite among Indonesia’s thousands of islands, and it’s not hard to see why. From its alluring cultural scene that pays homage to cultural traditions like observing silence during Nyepi to idyllic beaches in Nusa Dua and Kuta, it feels like you’re stepping into a dream vacation paradise.
Although Bali’s a stone’s throw away as far as vacation spots go for Singaporeans, it pays to have sufficient travel insurance to cover your trip from unexpected circumstances that happen before, during, or after your trip.
This article covers the top travel insurance plans available to you to keep you safe while you melt your stress away.
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Three ways to pick a travel insurance plan for your Bali escapade
While COVID-19 coverage is a given when considering travel insurance coverage for Bali, there are other factors to take into account. Here are three factors you should think about before making your insurance purchase.
Does the travel insurance plan you’re choosing for Bali offer you ample travel coverage?
As your travel insurance is your safety net from sudden illnesses or injuries, lost luggage, trip cancellations and other unforeseen emergencies, it’s better to be safe than sorry and purchase sufficient coverage.
Healthcare costs, for example, can be a significant cost compared to the same treatment you’d receive in Singapore, as you’d be registered as a foreign patient. Compare travel insurance plans and pick one that suits your coverage needs best.
Is the premium affordable or beyond your budget?
With a suite of travel insurance plans available in Singapore, you have the freedom to pick. You still need to consider if the premiums are cost-friendly based on your destination and travel period. Some insurance companies offer a few tiers with varying price points and coverage — from basic to premium. Go for the right balance between travel insurance coverage and premium cost.
Think about the benefits table and add-ons specific to Bali
Given that Bali is susceptible to earthquakes and snatch thefts, you would want to ensure that you have sufficient coverage for yourself and your personal belongings while you’re there. Assess coverage sums for trip cancellations, flight delays, or trip postponements due to natural disasters, for instance.
You should also think about covering special activities, especially if you fall under the category of an adventure, nature, or beach enthusiast. Check out coverage sums for relatable activities like trekking, white water rafting, and scuba diving.
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What are the best travel insurance plans for travelling from Singapore to Bali, Indonesia?
The table below can help you find the best match for your travel insurance needs. Discover each insurance plan’s critical coverage for your trip, including travel inconvenience, medical coverage, personal protection, and COVID-19 coverage.
At a glance
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Insurer |
Coverage at a glance |
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Overview
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Travel/Trip Delay S$800 (Bronze) S$1,200 (Silver) S$1,600 (Platinum) Max reimbursements per 24-hour period delay, with receipts, daily limit S$400 (Bronze, Silver, Platinum) Trip Cancellation/Postponement S$5,000 (Bronze & Silver) S$10,000 (Platinum) Loss/Damage of Baggage S$1,500 (Bronze) S$3,000 (Silver) S$10,000 (Platinum) Medical Coverage Overseas Medical Expenses S$250,000 (Bronze) S$500,000 (Silver) S$1,000,000 (Platinum) Emergency Medical Evacuation S$1,000,000 (All plans) Accidental Death* S$50,000 (Bronze) S$100,000 (Silver) S$100,000 (Platinum) COVID-19 Overseas medical expenses S$250,000 (Bronze) S$500,000 (Silver) S$1,000,000 (Platinum) *Accidental death or permanent disablement of anyone under 16 years is not covered |
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Overview
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Travel/Trip Delay* S$500 (Bronze) S$600 (Silver) S$800 (Gold) Minimum required delay – 6 hours, S$100 per 6 hours Trip Cancellation/Curtailment* S$5,000 (Bronze) S$10,000 (Silver) S$15,000 (Gold) Travel Postponement* S$500 (Bronze) S$1,000 (Silver) S$1,500 (Gold) Baggage Delay* S$400 (Bronze) S$800 (Silver) S$1,200 (Gold) Minimum required delay – 6 hours, S$100 per 6 hours Loss/Damage of Baggage* S$3,000 (Bronze) S$5,000 (Silver) S$7,500 (Gold) Medical Coverage** S$200,000 (Bronze) S$500,000 (Silver) S$1,000,000 (Gold) Chinese Medicine, Bone-Setting, Acupuncture, Physiotherapy and Chiropractic Treatment -S$100 per day per visit & S$200 per trip (Bronze) -S$100 per day per visit & S$400 per trip (Silver) -S$100 per day per visit & S$600 per trip (Gold) 24-hour global emergency assistance service available for all tiers Accidental Death & Disablement ** Within 12 months of an accident S$150,000 (Bronze) S$300,000 (Silver) $500,000 (Gold) Leisure Activities Add-on Coverage For golf, scuba-diving (certified), cruise vacation, and skiing (within marked boundaries). Not available for bungee jumping COVID-19*** Overseas Medical Expenses** S$15,000 (Bronze) S$30,000 (Silver) S$65,000 (Gold) *Not available under Single-Trip plans **Sub-limits apply *** China, Hong Kong, Taiwan, and Macau excluded |
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Great Eastern TravelSmart Premier Best for affordable, no-frills coverage in Malaysia
Overview
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Travel/Trip Delay S$1,000 (Basic) (Min required delay 6 hours, S$50 per 6 hours delay) S$1,200 (Classic & Elite) (Min required delay 6 hours, S$100 per 6 hours delay) Trip Cancellation/Curtailment S$2,000 (Basic) S$10,000 (Classic) S$15,000 (Elite) Travel Postponement S$500 (Basic) S$1,000 (Classic) S$2,000 (Elite) Baggage Delay S$200 (Basic) (Min delay 6 hours, S$200 per 6 hours delay) S$1,000 (Classic) (Min delay 6 hours, S$200 per 6 hours delay) S$1,200 (Elite) (Min delay 6 hours, S$100 per 6 hours delay) Loss/Damage of Baggage S$2,500 (Basic) S$5,000 (Classic & Elite) Overseas Medical Expenses* S$100,000 (Basic) S$300,000 (Classic) S$500,000 (Elite) Emergency Medical Evacuation S$100,000 (Basic) S$1,000,000 (Classic & Elite) Accidental Death & Disablement* S$100,000 (Basic) S$250,000 (Classic) S$500,000 (Elite) COVID-19 Overseas medical expenses* S$50,000 (Classic) S$150,000 (Elite) Trip Cancellation S$3,000 (Classic) S$5,000 (Elite) Trip postponement S$1,000 (Classic) S$2,000 (Elite) *Coverage sum may vary based on insured person’s age |
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Best choice as one of the most affordable plan Promotion
Overview
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Travel/Trip Delay S$300 (Premium) S$500 (Business) S$1,000 (First) (Min required delay 6 hours, S$100 per 6 hours delay) Trip Cancellation/Curtailment S$7,500 (Premium) S$10,000 (Business) S$15,000 (First) Travel Postponement S$500 (Premium) S$1,000 (Business) S$1,500 (First) Baggage Delay S$150 (Premium) S$600 (Business) S$900 (First) (Min delay 6 hours, S$150 per 6 hours delay) Loss/Damage of Baggage S$3,000 (Premium) S$5,000 (Business) S$7,500 (First) Overseas Medical Expenses* S$200,000 (Premium) S$500,000 (Business) S$1,000,000 (First) Emergency Medical Evacuation Unlimited (All Tiers) Accidental Death & Disablement* S$200,000 (Premium) S$300,000 (Business) S$400,000 (First) COVID-19 Add-On Coverage *Coverage sum may vary based on insured person’s age |
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Best for cruise vacation coverage & cancellation for any reason Promotion With COVID-19 Coverage.
20 April - 30 April 2024 Single Trip Plan
Overview
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Travel/Trip Delay S$500 (Lite) S$1,000 (Plus) S$2,000 (Prestige) Min delay 6 hours, S$100 per 6 hours delay Trip Cancellation/Curtailment S$5,000 (Lite) S$15,000 (Plus) S$20,000 (Prestige) Trip Cancellation for Any Reason – Singlife exclusive S$5,000 (Plus & Prestige) Travel Postponement S$1,000 (Lite) S$2,000 (Plus) S$3,000 (Prestige) Baggage Delay S$500 (Lite) S$1,000 (Plus) S$2,000 (Prestige) Min delay 6 hours Overseas: S$100 (Lite) or S$200 (Plus & Prestige) per 6-hour consecutive delay Singapore: S$150 per 6-hour delay when arriving here Loss/Damage of Baggage S$3,000 (Lite) S$5,000 (Plus) S$8,000 (Prestige) Overseas Medical Expenses S$250,000 (Lite) S$2,000,000 (Plus) Unlimited (Prestige) Pregnancy-Related S$1,000 (Lite) S$5,000 (Plus) S$8,000 (Prestige) Overseas Daily Hospital Allowance S$10,000 (Lite) S$50,000 (Plus & Prestige) S$200 per 24 hours hospitalisation overseas Emergency Medical Evacuation S$250,000 (Lite) S$2,000,000 (Plus) Unlimited (Prestige) Accidental Death & Disablement* S$50,000 (Lite) S$100,000 (Plus) S$500,000 (Prestige) Leisure Activities (Optional Add-on) Golf, scuba diving (certified), skiing (within marked boundaries) Cruise vacation coverage Coverage for loss of frequent flyer points Overseas Wedding & Photoshoot (Per Couple) Optional Add-on COVID-19 Overseas Medical Expenses S$50,000 (Lite) S$100,000 (Plus) S$200,000 (Prestige) Trip Cancellation S$500 (Lite) S$1,500 (Plus) S$2,000 (Prestige) Trip Postponement S$500 (Lite) S$1,500 (Plus) S$2,000 (Prestige) Overseas daily quarantine benefit (Plus & Prestige, maximum reimbursement limit applies) *Coverage sum may vary based on insured person’s age |
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Best for pre-existing medical emergency repatriation & evacuation cover Overview
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Trip Delay S$1,000 (Standard & Supreme) Min 6 hours delay Overseas: S$100 per 6 hours delay Singapore: S$150 per 6 hours delay Trip Cancellation/Postponement S$5,000 (Standard) S$10,000 (Supreme) Travel Curtailment S$5,000 (Standard) S$10,000 (Supreme) Baggage Delay S$1,000 (Standard & Supreme) Min delay 6 hours Overseas: S$200 for each full 6 consecutive hours Singapore: S$200 max limit upon return to Singapore, delay in excess of 6 full consecutive hours Loss/Damage of Baggage & Personal Effects S$3,000 (Standard) S$5,000 (Supreme) Max S$500 per item or set or pair of items, max S$1,000 for laptop computer Overseas Medical Expenses* S$250,000 (Standard) S$500,000 (Supreme) Hospital Daily Income Benefit S$10,000 (Standard) S$30,000 (Supreme) S$200 per 24 hours, 50 days maximum (Standard) or 150 days maximum (Supreme) Emergency Medical Evacuation Yes, based on age and pre-existing condition. Unlimited for insured person below 75 years of age Accidental Death & Permanent Disablement (Double Indemnity for Road Accident)* S$150,000 (Standard) S$300,000 (Supreme) COVID-19 Overseas Medical Expenses, Emergency Medical Evacuation & Repatriation of Mortal Remains due to COVID-19 S$100,000 (Standard) S$150,000 (Supreme) -Must be vaccinated -Only covers 70 years and below. Unvaccinated kids below 12 must travel with vaccinated parents -One-way trip policy excluded Trip Cancellation S$2,000 (Standard) S$4,000 (Supreme) Trip Postponement S$2,000 (Standard) S$4,000 (Supreme) *coverage may vary based on insured person’s age |
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Best for most extensive travel insurance and adventure activities coverage Promotion With COVID-19 Coverage. Receive your policy documents immediately.
29 April - 6 May 2024 Single Trip Plan
Overview
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Travel Cancellation (Individual) S$5,000 (Standard) S$10,000 (Elite) S$15,000 (Premier) Travel Postponement (Individual) S$750 (Standard) S$1,500 (Elite) S$2,000 (Premier) Delayed Departure (Individual) S$100 per 6 hours of delay or expenses for alternative travel arrangements. Max: S$500 (Standard) S$1,000 (Elite) S$1,500 (Premier) Delayed Baggage (Individual) Lump sum payment for every 6 hours of baggage delay S$150 per 6 hours, maximum S$600 (Standard) S$200 per 6 hours, maximum S$1,000 (Elite) S$250 per 6 hours, maximum S$1,500 (Premier) Baggage (Individual) Personal baggage and personal effects, limits of S$500 per article, pair or set of items and S$1,000 for one laptop computer unit apply S$3,000 (Standard) S$5,000 (Elite) S$7,500 (Premier) Overseas Medical Expenses (Individual, below 70 years) S$250,000 (Standard) S$500,000 (Elite) S$1,000,000 (Premier) Accidental Death & Permanent Total Disability (Individual, below 70 years) S$150,000 (Standard) S$200,000 (Elite) S$500,000 (Premier) Personal Liability (Individual, Adult) S$500,000 (Standard) S$1,000,000 (Elite & Premier) Adventurous Cover (Elite & Premier Plans ONLY) Including bungee jumping, tandem skydiving, hot air ballooning, diving, dog sledding, ice, skating, and other activities listed in the policy (Elite & Premier) Home Contents S$10,000 (Elite) S$15,000 (Premier) Domestic Pets Care S$50 per day, maximum S$500 (Elite) S$75 per day, maximum S$750 (Premier) |
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Sompo Best for great value with seamless coverage Overview
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Travel/Trip Delay S$800 (Essential) S$1,200 (Superior) Min required delay: 6 hours Overseas: S$100 for every 6 hours of delay Singapore: S$150 for every 6 hours of delay* Trip Cancellation/Curtailment S$5,000 (Essential) S$10,000 (Superior) Travel Postponement S$5,000 (Essential) S$10,000 (Superior) Baggage Delay S$1,200 (Essential) S$2,000 (Superior) Min required delay: 6 hours S$200 per 6 hours of delay* Loss/Damage of Baggage S$1,000 (Essential & Superior) *applies to adults |
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Exploring Bali and making the most out of your visit
Here are three things to focus on while you’re unwinding in Bali.
1. Cultural explorations
It goes without saying that Bali is well-known for its rich culture and traditions. Explore the island’s cultural treasures, including visiting ancient temples like Uluwatu Temple, Tanah Lot, and Besakih Temple.
Witness traditional seasonal dances like the Kecak dance of Uluwatu, the Legong dance of Ubud or the Barong dance in Batubulan. You can also take part in ceremonies like Galungang and Nyepi.
Find out more on Bali.com.
2. Nature and adventure
Bali’s natural landscapes are breathtaking, and there are several locations you should explore. Begin your adventure by visiting the lush rice terraces in Tegallalang and Jatiluwih for a taste of Bali’s verdant beauty. For pristine beaches, head to Kuta, Seminyak, and Nusa Dua for sunbathing and water sports.
To witness the majesty of volcanic mountains, embark on a trek up Mount Batur or Mount Agung for sunrise views. Don’t miss the iconic water temples of Tirta Empul and Pura Ulun Danu Beratan, which are not only spiritually significant but also offer stunning natural surroundings.
3. Food galore
Sample these local specialties like seafood satay from the Jimbaran Fish Market, babi guling and ayam betutu at Ibu Oka (Ubud) and Warung Men Weti (Denpasar), and Balinese coffee at Seniman Coffee Studio (Ubud).
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Disclaimer: Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future financial needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.
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