Healthcare in Bali: Prices, Insurance, and Clinics for Tourists and Expats

Bali healthcare is one of the most frequent concerns for tourists and digital nomads moving to the island. Each year, millions of visitors face unfamiliar conditions — exotic food, high humidity, tropical diseases, and accidents — that make access to medical care in Bali essential.

Like the rest of Indonesia, the healthcare system in Bali is very contrasting. On the one hand, public hospitals in Bali provide basic services, but their quality is often insufficient and foreigners face a language barrier. On the other hand, private hospitals in Bali for foreigners are modern, English-speaking, and equipped with advanced technology. The downside is the high Bali medical costs, which can be even more expensive than in Europe.

In this guide, we explain how healthcare in Bali for tourists works, which health insurance is necessary, and which are the best hospitals and clinics in Bali.

Health Insurance in Bali

Health insurance in Bali is critical for avoiding catastrophic expenses. Without it, even simple food poisoning in a Bali private hospital may cost $500–1,000, while an ICU stay can run into tens of thousands of dollars.

Types of Bali medical insurance:

1. Travel insurance (short-term). Covers emergency care, outpatient treatment, basic dental services (often capped at $500–1,000), and hospitalization. Some policies include evacuation, though with restrictions (e.g., to the nearest region rather than your home country). Premiums usually range from $30–150 per month and are valid from a few weeks up to a month. Budget policies, however, come with low coverage limits ($10,000–50,000), which may not be sufficient for serious cases.
2. Expat insurance (long-term). Chosen by residents, digital nomads, and families living in Bali for six months or longer. It typically covers outpatient care, hospitalization, evacuation (up to $1–2 million), and sometimes dental services (with co-payments of 20–50%). Monthly premiums are around $200–400.
3. Local insurance (BPJS Kesehatan). Available to residents with KITAS/KITAP (residence permits). It covers basic services at public hospitals, with partial coverage at private clinics, and minimal dental care. This is the most budget-friendly option at $20–50 per month, depending on category.

What Bali health insurance should cover:

• Emergency care and hospitalization. Coverage up to $500,000–1,000,000.
• Medical evacuation. Transportation to Singapore or Australia for complex cases (evacuation costs range from $20,000–100,000).
• Outpatient services. Consultations, tests, diagnostics ($100–300).
• Dental care. At least basic coverage ($500–1,000) for emergencies (e.g., broken tooth). Full coverage for implants/orthodontics usually requires separate payment.
• Tropical diseases. Dengue, malaria, foodborne infections (covering tests and treatment).
• Active leisure. Injuries from surfing, motorbike riding, or diving often require separate insurance.

Before signing an insurance contract, carefully check the exclusions. Most policies do not cover pre-existing conditions or issues related to alcohol and illegal substance use.

Medical insurance for Bali prices:

When choosing a policy, make sure the coverage limit is at least $500,000, including evacuation. Confirm that the insurance works with JCI/ISO-accredited clinics (such as BIMC, Siloam, Kasih Ibu) and that the provider has a 24/7 English-speaking hotline.

Even with a strong policy, you may encounter bureaucracy: insurers often require prior authorization for expensive procedures (e.g., MRI or surgery). Insurance companies usually partner with specific hospitals. This does not mean they will refuse coverage at other clinics in Bali, but in many cases, you will have to pay upfront and only later apply for reimbursement. In such cases, there is always a risk the insurer may deny the claim, citing «improper treatment documentation.»

Another issue is local health insurance in Bali sold via travel agents or hotels. These typically have very low limits ($5000–20,000) and are not accepted by top clinics, meaning they may fail to cover even basic services.

Overview of Clinics and Hospitals in Bali

The healthcare facilities in Bali are divided into public hospitals for locals and private clinics in Bali for expats and tourists.

Top-rated international hospitals in Bali:

The emergency service numbers in Bali are 118 or 119, but it is often more effective to call the Bali hospital directly or contact International SOS (+62 361 710505).

The average ambulance response time in tourist areas is 10–20 minutes, but in Ubud or northern Bali it can take up to one hour. For complex cases (such as neurosurgery), clinics arrange patient transfers to larger Bali medical centers. It is advisable to clarify the evacuation process with your insurance provider in advance to avoid delays in claim approval.

Medical Service Costs in Bali

Medical treatment in Bali is 3–5 times cheaper than in the US or Australia, but without insurance it can still be costly.

Bali hospital costs by procedures:

Many private clinics apply a «tourist rate in Bali hospitals» — 20–50% higher than local prices. Some facilities do not publish official price lists and may set bills at their discretion — it is best to avoid such clinics.

Dentistry in Bali

Dental care in Bali is one of the fastest-growing segments of medical tourism. According to the Indonesian Dental Association, between 2023 and 2025 the volume of dental tourism in Bali grew by 20%, while prices remain 3–5 times lower than in Australia, Europe, or the United States.

Top Bali dental clinics:

• Bali Dental Center (Seminyak). One of the best dental clinics in Bali, focused on medical tourism. ISO-certified, with dentists holding Australian/European qualifications.
• 4D Dental Clinic (Denpasar). A modern facility specializing in orthodontics and complex procedures. Less convenient for tourists due to its location (30–40 minutes from Kuta). Limited number of English-speaking dentists available in the evening.
• ABC Dental (Kuta). A budget-friendly clinic for basic and cosmetic procedures. Popular among tourists for its affordable prices.
• Arcadia Dental (Ubud). A small clinic in central Ubud, focused on cosmetic dentistry.

Prices for dentistry in Bali:

• Consultation and examination: 300,000 — 500,000 IDR ($20–30). Includes check-up and X-ray (sometimes charged separately, $10–20). In top clinics, consultation is free if further treatment is provided.
• Cleaning: 500,000 — 800,000 IDR ($30–50).
• Whitening: 2,000,000 — 4,000,000 IDR ($130–260).
• Fillings and restorations: 500,000 — 1,000,000 IDR ($30–65). Usually completed in one visit.
•   15,000,000 — 30,000,000 IDR ($1,000–2,000). The full procedure takes 3–5 days (implant placement + crown).
• Braces: 20,000,000 — 50,000,000 IDR ($1,300–3,200).
• Aligners (Invisalign): 30,000,000 — 60,000,000 IDR ($2,000–4,000).
• Veneers (per tooth): 3,000,000 — 6,000,000 IDR ($200–400).
• Crowns (per tooth): 2,000,000 — 5,000,000 IDR ($130–320).

Insurance companies often refuse to cover dental procedures if they are classified as cosmetic. For example, whitening and veneers are included in only about 10% of policies. Expats recommend purchasing a separate dental plan for long-term treatment.