What insurance is needed for Bali Surfingbird
09/29/2014 at 02:07 • Headings:,,,, Author: •
 

Do you need insurance?

Do not spare the money, make insurance! The hike to the most starts from $ 100; more precisely, $ 100 is worth the initial inspection - the prices are not Balinese at all :) That is why without insurance, if something happened, get ready to keep the amounts equal in the best case to hundreds, or even thousands of dollars.

Insurance must be done at home, before departure. Simple insurance for two weeks costs only 700 rubles, you can buy it online (as I will tell below). Many people are either eager to buy insurance, or do not consider it necessary, although this is just an elementary (and cheap) way to save you from possible subsequent situations of finding money. (Still not forgetting, and who forgot, reread the first paragraph, about how much a trip to an international clinic costs).

I do not want to sound tedious and instructive, but living in Bali at least once a month I see on Facebook these endless posts that such and such or such and such have had an accident on a scooter or unsuccessfully rode a surfboard , the amount for treatment at the hospital is serious, there is so much money, and "please, throw off everything to me for treatment."At first, many people entered the position and threw off, but considering that there are more and more such situations, I think that they will be less and less likely to fold. So take care of yourself in advance!

As for living in Bali, then there is a choice to make either local insurance or Russian insurance. The Russian, however, often goes cheaper, but there are pitfalls, which I will write about.

How to choose the right insurance and a good insurance company

vibor-polisaChoosing insurance BaliBlogger recommends focusing on the following points:

- insurance company should work with Bali clinics by bank transfer (some insurance companies want you to pay your money first, and then reimburse you for your return home, it is better when the insurance company will immediately pay for your treatment)

- Insurance must work with Bali’s international clinics (this is Siloam, BIMC, SOS, Kasih Ibu or at least those listed)

- for those who are in Bali for a long time, pay attention to the fact that when you make insurance for a year or for half a year, insurance dates differ in insurance dates and possible periods of stay abroad (for example,you can make insurance for 3,000–4,000 rubles for a year, but it is only valid for 90 days from the time you leave abroad; then it no longer works and you must first return to Russia, and then fly again, so that the insurance “earns” again); in order for the annual insurance to “work” for all 365 days, you will have to take the one that costs 10,000–15,000 rubles

- read the insurance rules carefully, for example, if you are already in Bali and do not plan to return to the Russian Federation in the near future, some insurance does not allow this, it is better to check with the support of this particular insurance beforehand (sometimes insurance, especially in case of serious complaints, ask show your passport with stamps about crossing the Russian border)

- the presence of sports insurance (and sometimes the sport does not provide for surfing, all insurance is different; and participation in competitions is a different story altogether)

- insurance coverage of driving a scooter or motorcycle or other transport that you plan to rent (keep in mind that insurance can ask you for international rights to the desired category of driving

And a couple of things:

If at the time of the incident for which you contacted the insurance company you were drunk or were under drugs, then the insurance company will not pay anything.

In addition, some insurance companies are looking for all the opportunities not to reimburse you for treatment, so when it comes to expensive treatment, they will investigate various details in order to find a way for you not to pay. For example, if you had an accident on a scooter, but you have no rights and the insurance company will know about it - bye :(

Which insurance companies are preferred for Bali:

Read the recommendations. Insurance situations change every year, and even more often, today everyone praises one company, tomorrow her service deteriorates and everyone starts to scold her. Do not be lazy to google on the Internet reviews on this insurance for the last year.

Now, many recommend the following insurance companies specifically for Bali: Alfa-insurance (you can buy online and it doesn’t matter that you are no longer in Russia), Liberty (similarly, you can buy online even when you are in Bali), Consent, FinAlliance (insurance is valid 90 days, you can buy even while abroad), Reso (can only be done in Russia).

In the comments a lot of reviews and questions and answers about insurance, read!

bali travel insurance

What to do if an insured event has occurred and you need to apply for insurance to the hospital?

You need to immediately call your insurance company. Some companies even have a number to which you can send an SMS, and your insurance will call you back so that you do not spend money on roaming.

Tell the insurance what happened to you. The insurance should direct you to a specific hospital or instruct what to do. Most send to BIMC. If your insurance works with BIMC by bank transfer, then you simply get insurance information from when you come to BIMC, come there with a passport (or a copy of your passport), an insurance policy (if you have it in your hand) and undergo treatment.

Remember, if you have drunk or used drugs, the insurance will no longer work. If you were driving a bike without rights, and the insurance learned it, you can cancel the insurance. If you surfed without having a special sports (water extreme) insurance, then injuries from surfing will not cure you with insurance.

How to be with insurance if you are in Bali for a long time (six months or a year)?

Of course, you can rely on local doctors, with cheaper prices than in international clinics, but the quality is at your own risk. Although I know many who, if it is necessary to sew up a not too serious wound (from meeting with the reef or the fins of the board while surfing), I applied to local clinics where it can be done for $ 30-50.

But for your own peace of mind it is better to make annual insurance.

If at least once every three months you fly back to Russia, then such insurance is easy to do, and it usually costs not very expensive per year, $ 150-250. For those who do not go to Russia and want to make insurance online with Bali, you should be ready to pay about $ 300-500. See below for more price.

Most importantly, when you make insurance, specify two questions in detail:

- Is it possible to buy insurance without being currently in Russia (that is, whether it will act at the same time)

- How much of this insurance can be abroad (usually it is about 90 days, then the insurance ceases to operate)

- If you work / live permanently in Bali, then the insurance must be warned about this, some Russian insurance policies do not allow you to live or work all the time (if you are “caught”, the policy is canceled).

Examples of calculating the cost of insurance:

Example number 1.You drive tovacation 2 weeks, plan to rent a scooter (keep in mind that insurance has the right to require international rights to category A from you), but do not plan to surf, such insurance covering medical expenses will cost you only700 rubles; a little more expensive and you can also insure the risk of cancellation of the trip or problems with the cancellation of accommodation.

Bali travel insurance

Example number 2.If you travel a lot (and not only in Bali), then buying a separate insurance every time is completely impractical! Takeannual insuranceand all your trips will be covered by it. The main thing, keep in the form of the following. If you take simple annual insurance for3500 rubles, the length of each of your stay should benot more than three months(which is not a problem if it’s a regular vacation trip for a couple of weeks, you can go as long as you like, the main thing is to return to the Russian Federation later). That is, for those who live in Bali and do not return to Russia every three months, this option is not very suitable. For such cases, insurance is needed, which does not limit your stay abroad. In this case, the insuranceMultitrip- just such an option, it is worth it13,000 rubles. This is about a thousand rubles a month, which is not so expensive in the case of Bali, because only a primary examination by a doctor at BIMC costs about $ 100.

insurance for a year

Example number 3.So, do insurance onhalf a year, taking into account the fact that all half a year (more precisely 180 days) we will be inIndonesia. Turn onsurfing(this does not include participation in competitions) andmotorcycle(keep in mind that insurance has the right to demand international rights to category A from you). Total for six months is obtained5000 rublesthrough a special service that you can use on the baliblogger - just below. If you exclude surfing and a scooter, it will be generally about3000 rubles. Not so expensive! Given that one trip to BIMC will cost you more.


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  • What insurance is needed for Bali Surfingbird

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