expat-in-bali

Expat Guide on Healthcare and Health Insurance in Bali

Healthcare system in Bali

Welcome to the ultimate guide on the healthcare system and health insurance in Bali for expats. If you’re an expat planning to move to Bali, understanding the intricacies of the Bali healthcare system is crucial. This practical guide on utilizing Bali’s healthcare system will provide you with essential information, tips, and insights to navigate the healthcare and insurance landscape effectively.  By familiarizing yourself with the public healthcare system in Bali, Private Healthcare system in Bali as well as costs of medical treatment in Bali, you equip yourself with valuable information to make informed decisions during your stay in Bali. Whether you are seeking medical treatment, looking for insurance coverage, or simply want to understand how the healthcare system in Bali works, this guide will serve as a valuable resource.

As an insurance broker specializing in serving expats, our goal is to make your transition to Bali as smooth as possible, with a strong focus on your healthcare and insurance needs. Get a Quote on your International Health Insurance Plan in Bali here.

healthcare system in Bali

Public Healthcare System in Bali

Public healthcare in Bali is an integral part of Indonesia’s national health system, offering services to both residents and expatriates. The Indonesian government has made strides to improve healthcare access and quality across the country, including Bali. However, expats considering Bali as their home should be aware of several key aspects of the public healthcare system to navigate it effectively.

Accessibility and Infrastructure

Bali’s public healthcare system has been under development to accommodate the growing demand from both local residents and international visitors. It’s public healthcare system is supported by a network of public hospitals, clinics (Puskesmas), and health posts (Posyandu), designed to cater to the basic health needs of the population. The accessibility of these facilities varies, with urban areas like Denpasar housing more comprehensive services compared to rural locations. Despite ongoing improvements, challenges in infrastructure and resource allocation persist, especially in remote areas.

Government-funded Indonesian National Health Insurance Scheme 

The Indonesian government operates a national health insurance scheme, known as BPJS Kesehatan, aimed at providing affordable healthcare to its citizens and residents, including expatriates who are formally employed in Indonesia. Under this scheme, individuals are entitled to free or heavily subsidized treatment at public healthcare facilities. BPJS for healthcare coverage comes with the full coverage without coverage limits, age, and pre-existing conditions. 

This means that as long as you have BPJS, you will receive medical service in Indonesia. And it’s not only for yourself, but also for your family living in Indonesia.  However, it’s important to note that while the scheme covers a wide range of services, there may be limitations and exclusions, particularly for more specialized treatments and medications. 

Expatriates living in Bali are eligible to join the BPJS Kesehatan scheme, provided they have the necessary legal documentation to work and reside in Indonesia. Joining the national health insurance scheme is a practical move for accessing public healthcare services at a lower cost. Nonetheless, many expats opt for additional private health insurance to cover services not included in the public system, ensure access to private hospitals, and cover medical evacuation costs, which are crucial given Bali’s island geography.

Private Healthcare System in Bali

The private healthcare system in Bali represents a significant portion of the healthcare services available on the island, often preferred by expatriates and tourists for its higher standards of care, shorter wait times, and more comfortable facilities. This sector includes a range of services from primary care to specialized treatments and emergency services, offering a more familiar healthcare experience for those from countries with advanced healthcare systems.

Quality of Care

Private hospitals and clinics in Bali are known for their quality of care, with many facilities staffed by healthcare professionals who have trained internationally. These institutions often boast state-of-the-art medical equipment and offer services in various specializations, including but not limited to cardiology, orthopedics, and cosmetic surgery. The patient experience is typically prioritized, with services offered in multiple languages to cater to the island’s diverse international community.

Location

Private healthcare facilities are predominantly located in urban and tourist-centric areas such as Denpasar, Kuta, and Ubud, making them highly accessible to expatriates and visitors. Appointments are usually easy to arrange with minimal waiting times, and many facilities offer emergency services 24/7.

Medical Tourism in Bali

Bali’s private healthcare sector is not only a choice for local and expat residents but has also become a destination for medical tourism. The combination of affordable, high-quality medical care and the opportunity to recover in a picturesque setting makes Bali an attractive destination for those seeking medical procedures and wellness treatments.

Bali is poised to compete with the likes of Singapore, Japan, Canada, Dubai, Costa Rica, Israel, and Abu Dhabi when it comes to medical tourism. The expansion is already underway. A new world-class medical facility is under construction in the resort town of Sanur, named the Bali International Hospital. The Bali International Hospital (BIH) is designed to become the leading medical tourism destination in Indonesia – managed by IHC (Indonesia Healthcare Corporation) and scheduled to open by the third quarter of 2024. BIH has been in consultation with US- based Mayo Clinic in the planning stages of the hospital. Located within the newly established Sanur-based Healthcare Special Economic Zone (SEZ), the hospital will stand on 67.465 M2 of covered space spread over four floors and provide 239 Beds, 38 intensive care units, 8 operating rooms, 4 Cathlabs and 5 Center of Excellences equipped with advanced diagnostic imaging ca-pacities. The hospital will ensure that the facilities, staffing, and day-to-day management of the hospital cater to an international demographic. 

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Best Hospitals in Bali

1.BaliMed Hospital

With a focus on providing high-quality patient care, BaliMéd Hospital features a wide range of medical specialties, including but not limited to, emergency medicine, obstetrics and gynecology, pediatrics, and general surgery. The hospital is equipped with advanced medical technologies and staffed by a team of dedicated professionals committed to health and wellness.

Contact Info:

  • Phone: +62 361 484748
  • Address: Jl. Mahendradatta No.57X, Denpasar, Bali, Indonesia
  • Additional Information: BaliMéd Hospital is well-regarded for its prompt and efficient emergency services, modern facilities, and a patient-centered approach to care. The hospital is a popular choice among expatriates and tourists for its high standards in healthcare services and its convenient location. 
Bali international Hospital
Bali international Hospital

2. BIMC Hospital Bali

Bali International Medical Centre, commonly known as BIMC, is a renowned private medical facility located in Kuta, Bali. As a part of Siloam Group, it has become one of the most trusted and preferred medical clinics for both locals and tourists in the island. It’s known for its comprehensive emergency, dental, and medical services, including cosmetic surgery and dialysis. The hospital caters to international patients with multilingual staff. BIMC Hospital currently operates in three different areas of Bali: Kuta, Nusa Dua and Ubud respectively.

Contact Info:

BIMC Kuta
Location: Jl. Bypass Ngurah Rai No. 100X, Kuta 80361
Phone: +62 361 761 263 
 
BIMC Nusa Dua
Location: Kawasan BTDC Blok D, Nusa Dua 80363
Phone: +62 361 3000 911
 
BIMC Ubud
Location: Jl Raya Sanggingan No 21, Kedewatan, Ubud – Gianyar 80561, Bali, Indonesia
Phone: +62 361 209 1030
 
  • Additional Information: BIMC Hospital is accredited by the Australian Council on Healthcare Standards (ACHS), ensuring high-quality care standards. 
 
Prima Medika Hospital is renowned for its comprehensive healthcare services and exceptional patient care. Since its first opening in 1982, Prima Medika has become one of the leading hospitals in Bali, providing high-quality medical services to patients. The hospital features a wide array of medical specialties, including an advanced center for aesthetics and plastic surgery. It is equipped with modern medical technology to ensure the highest standards of care.  Prima Medika Hospital also provides health screening services, including full-body check-ups and cancer screening.
 

Contact Info:

  • Phone: +62 361 236225
  • Address: Jl. Raya Sesetan No. 10, Denpasar, Bali 80223, Indonesia
  • Additional Information:  The hospital also offers medical tourism services to international patients seeking medical care in Bali. 
Prima Medika Hospital Bali
Prima Medika Hospital Bali

4. Bali Royal Hospital (BROS)

Bali Royal Hospital (BROS) is one of the island’s most renowned private hospitals. Founded in 2013, it is equipped with modern medical facilities and advanced technology to provide high-quality medical care to patients. Bali Royal Hospital is known for its personalized care and advanced medical services. It offers a broad spectrum of healthcare services, including emergency care, maternity services, and specialized treatments. The hospital aims to provide high-quality healthcare with a focus on patient comfort and safety.

Contact Info:

  • Phone: +62 361 222 588
  • Address: Jl. Tantular No. 6 Renon, Denpasar – Bali
  • Additional Information: The hospital offers assistance with travel arrangements, accommodation, and other support services to make the medical tourism experience as smooth as possible.
Bali Royal Hospital (BROS)
Bali Royal Hospital (BROS)

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Cost of Medical Treatment in Bali

Many expatriates and long-term visitors opt for international health insurance plans that provide coverage for private hospitals in Bali. Medical care in Bali can come at a significant cost, particularly if you lack a good health insurance plan. The expenses vary depending on the type of medical attention required, with different levels of care impacting the overall healthcare expenses.

For instance, a hospital check-up typically amounts to around USD$30, while consultations with specialized doctors may range from $20 to $50. While certain medical procedures such as dental treatments or orthopedic surgeries may be comparatively more affordable in Bali than in other countries, it’s crucial to consider the expertise and quality of aftercare provided by healthcare professionals.

Prescription medications tend to be less expensive in Bali and are often available without a prescription. However, it’s advisable to ensure an adequate supply of any essential medications for the duration of your stay, along with a buffer for unforeseen circumstances, as specific medications may not always be readily available in Bali.

In essence, the adage “you get what you pay for” holds true in the realm of healthcare. Opting for significantly cheaper medical services may indicate a compromise in the quality of care provided. International hospitals in Bali prioritize quality by employing internationally trained doctors, ensuring a higher standard of medical care and attention for patients.

Inpatient Care in Bali

Inpatient care facilities vary widely in Bali, from basic accommodations in public hospitals to luxurious private rooms in private hospitals. The cost of inpatient care in private hospitals typically includes the room rate, meals, medical procedures, medication, and the fees of attending healthcare professionals. A single day in a private hospital can cost anywhere from $100 to over $1,000 for a private suite in a top-tier hospital.

Medical Evacuation in Bali 

Considering Bali’s geographical location, it’s also wise for expatriates and tourists to have a comprehensive international insurance plan that covers medical evacuation to their home country or a nearby country with advanced medical facilities. The cost of medical evacuation can be prohibitive without insurance, easily reaching tens of thousands of dollars.

Dental Care in Bali

Dental care in Bali has gained a reputation for quality services at competitive prices, attracting not just local residents but also international visitors seeking dental treatments. The island’s dental clinics offer a wide range of services, from routine check-ups and cleanings to more complex procedures such as orthodontics, implants, and cosmetic dentistry.

Many dental clinics in Bali boast state-of-the-art facilities and employ dentists who have trained internationally. These professionals are adept at combining their extensive expertise with the latest technologies to provide high-quality dental care. English-speaking staff and dentists are common, making communication straightforward for expatriates and tourists.

Range of Services: Bali’s dental clinics offer a comprehensive array of dental services, including but not limited to:

  • Routine examinations and cleanings
  • Fillings and root canals
  • Crowns, bridges, and dentures
  • Dental implants
  • Cosmetic dentistry, such as veneers and whitening treatments
  • Orthodontics, including traditional braces and clear aligners

Bali Dentist Prices

The cost of dental care in Bali is significantly lower than in many Western countries, making it an attractive option for those looking to combine dental treatments with a holiday. However, prices can vary depending on the clinic’s location, the dentist’s experience, and the complexity of the treatment.

Here are some general price ranges for common dental procedures in Bali (prices in USD):

  • Routine Check-Up and Cleaning: $20 – $40
  • Dental Filling: $30 – $70 per tooth, depending on the material used
  • Tooth Extraction: $20 – $150, with surgical extractions at the higher end
  • Root Canal Treatment: $100 – $300 per tooth, depending on the complexity
  • Cosmetic Crown: $300 – $500 per crown, depending on the material (ceramic, porcelain, gold)
  • Teeth Whitening: $150 – $250 for professional in-clinic whitening
  • Dental Implant: $600 – $2000 

It’s important to note that these prices are indicative and can vary. For more specific and up-to-date pricing, it’s best to contact the clinics directly.

Choosing the Best Health Insurance in Bali

If you’re looking for the best international health insurance plan, look no further than i-Brokers to pick your perfect coverage. Especially for expatriates and international visitors, for whom it’s essential to find a plan that provides coverage tailored to your unique needs. i-Brokers partners with over 300+ insurance providers and allows you to compare health insurance policies in seconds. Get a Quote here.

Many expatriates and long-term visitors opt for international health insurance plans that provide extensive coverage, including access to private healthcare facilities not only in Bali but also globally. These plans are especially recommended for those with specific healthcare needs or those seeking peace of mind when it comes to securing immediate and high-quality medical treatment.

Our Advice

It is always important to learn where hospitals, medical clinics and dental providers are situated and also how much their medical costs are. If you are in a rural location of Indonesia, like Bali, you may need medevac (medical evacuation) cover for your international medical insurance plan because it is a benefit that we find popular with residents in Bali where extensive medical amenities may be limited. 

At i-Brokers, we take great pride in offering the best service possible when it comes to insurance. 82% of consumers who compare insurance with i-Brokers find lower premiums. Can you afford not to? Click here to get a quote on your medical insurance. Choose an insurance plan that best suits your requirements and the needs of all the people you care about.