Buy your LUMA travel insurance plan online and enjoy a worry-free trip to Indonesia.
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Whether you’re discovering the stunning natural beauty of Raja Ampat or partying in Bali, Indonesia is the vacation of a lifetime.
But if you get sick or injured, your health insurance might not cover you, and medical treatment can be expensive.
With LUMA overseas travel insurance, you can relax. We cover unforeseen travel and medical costs and offer a 24/7 hotline providing guidance from local experts.
⚠️ You must purchase your Indonesia travel insurance plan before your trip—you cannot buy it once you have arrived.
Medical treatment in Indonesia can be expensive. If your condition is severe, then costs can increase dramatically.
Here are some of the expenses you could incur in Indonesia without travel insurance:
The cost of a rabies vaccination in Indonesia
3,750 USD
The cost of spending one week in an Indonesia private hospital
The cost of an air ambulance in Indonesia
$4,854.22: The average value claimed for trip cancellation in the U.S. during 2023.
18% of travel insurance customers claim their policy.
24% of all U.S. travel insurance holders made a claim due to travel delays in 2022.
💡 The number of tourists visiting Indonesia is expected to hit 11.68 million in 2024.
💡 Some of Indonesia’s top tourist attractions include:
💡 Tourists to Indonesia are usually charged 150% more than locals for hospital care. The government plans to increase this to 500%.
💡 Indonesia is hot and humid year-round. Average temperatures range from 22°C to 32°C along the coast. The hottest month is October, when temperatures can reach 38°C in East Java.
💡 In 2022, Indonesia had approximately 204,450 road traffic accidents, resulting in 27,530 fatalities.
💡 It is very common for travelers to Indonesia to experience diarrhea as a result of food poisoning.
💡 Dengue, trauma injuries, animal bites and insect-borne viruses are other common reasons tourists need medical attention.
💡 416 out of 5,589 foreign tourists visiting Indonesia between January 2021 and July 2022 were admitted to the hospital with a trauma injury.
LUMA covers your Indonesia holiday for a range of medical and travel expenses.
Enjoy peace of mind
High coverage for emergency medical expenses
24/7 emergency medical hotline
Our hotline gives you access to 24 hour emergency medical advice and support
Tailored to match your travel requirements
Our policies cover issues unique to Indonesia, such as food poisoning and motorbike injuries
Emergency medical coverage
Comprehensive coverage for unexpected medical expenses
Unlimited coverage to transport you to suitable medical facilities
Repatriation
Unlimited coverage for sending you home following medical treatment
Motorbike accidents
You’re covered for injuries whether you’re a driver or passenger.
Trip cancellation coverage
Covered up to 5,000 USD
Covered up to 5,000 USD
Lost baggage coverage
Covered up to 1,500 USD
Flight delay coverage
Travel cash of $22 per 6-hour delay up to 150 USD
⚕️ Pre-existing conditions
Any medical conditions or symptoms known or arising before purchasing the policy are not covered.
🔮 Events anticipated when buying the policy
The policy must be bought before your trip starts. Events that were anticipated at the point of purchase are not covered.
🍾 Alcohol or drug-related incidents
Injuries or illnesses caused by alcohol or drug use are not covered.
🤰 Pregnancy
Any expenses arising from illness or injury related to pregnancy are not covered.
Indonesia is an exciting country with so much to explore. But figuring out where to get help if you get sick or injured is stressful.
LUMA’s medical experts can provide support should you suffer illness, injury, accidental loss, or disruption to your travel plans.
We also cover the expenses relating to these issues so you can enjoy your Indonesia adventure worry-free.
LUMA has been trusted by thousands of travelers worldwide, thanks to its in-house medical experts and global partners.
Our multilingual hotline is available every day, around the clock to provide you with emergency medical advice and guidance.
Our experienced medical team, with in-depth local knowledge, provides trusted referrals and personalized second opinions to support you in Indonesia.
Dr. Gerard
Emergency Medicine, Aviation & Tropical Diseases
25 Years of Medical Experience
Dr. Kao
Health Care Management
General Practitioner
Dr. Patrick
Health Care Management
General Practitioner
Dr. Thet
Internal Medicine & Rehabilitation Medicine
9 Years of Medical Experience
Our global partners help us provide insurance and services to destinations around the world.
Insured by Baolong
With over three decades of expertise across a diverse range of insurance services, Baolong ensures your claims are covered.
Assistance by Europ Assistance
Our strong network of hospitals and medical professionals across Southeast Asia enables us to quickly arrange suitable medical care for you in case of illness or injury.
LUMA’s headquarters is in Bangkok, Thailand. We also have offices worldwide, including in:
This means we can support you with medical advice and travel support no matter where you are.
Yes, LUMA travel insurance covers medical treatment and travel costs accrued if you fall ill with COVID-19 while in Indonesia.
Yes, LUMA travel insurance covers you for medical and travel costs accrued after being injured as a driver or passenger on a motorbike, moped or scooter. This is subject to you wearing a helmet and following traffic laws.
No, your LUMA travel insurance policy does not cover you for medical expenses accrued as a result of treatment for pre-existing health conditions.
While travel insurance is not mandatory for Indonesia, it is advisable to have it. Foreign travelers often have to pay more for medical care in the country, meaning the cost can often be substantial.
The country’s public healthcare system may not cover your medical treatment. It also may not be covered by your health insurance or Medicare plan.
Additionally, Indonesia presents unique health risks, including:
Travel insurance can help cover medical expenses and other unforeseen costs such as trip cancellation or interruption, lost luggage, and emergency transportation.
LUMA travel insurance has no excess.
Many travel insurance plans require you to pay a certain amount when you make a claim, known as the excess.
With LUMA, you will be paid the full amount when you claim for a covered event during your trip (according to the terms and conditions and the covered limits of the policy).
The price of trip insurance for Indonesia varies depending on factors like the duration of your trip, the level of coverage chosen, and your departure location.
Travel insurance plans for Indonesia can start at just a few USD per day.
For example, a 14-day trip for two from the United States to Indonesia on our Essential plan costs as little as 3.80 USD per person per day. The same trip on our full coverage plan is 17 USD.
Traveling requirements to Indonesia have become easier since the COVID days. You no longer need a vaccine or a negative COVID test to enter. You will need a valid visa, (which for some nationalities you can get on
Indonesia is generally safe; however, there are a number of risks that tourists should be aware of:
Health
Dengue Fever: There has been a significant rise in dengue fever cases, particularly in popular tourist destinations like Bali.
As of July 30, 2024, Indonesia had reported 149,866 confirmed cases of dengue fever so far that year. This is about three times more than the same period in 2023.
This mosquito-borne illness can cause severe flu-like symptoms and, in extreme cases, be fatal.
Travelers can avoid being bitten by:
Rabies: Rabies is present in both wild and domestic animals in Indonesia, including pets. Seek immediate medical assistance if you’re bitten or scratched. 71 people died of rabies in Indonesia in the first six-months of 2024.
Air pollution: Major cities in Indonesia can experience ‘unhealthy’ air quality levels. This can be caused by emissions, ash plumes from volcanic eruptions and smoke from forest fires. The poor air quality can affect those with respiratory conditions.
Roads: Driving in Indonesia is challenging. Traffic discipline is poor and there has been a notable increase in moped and motorbike accidents, particularly in Bali.
In 2022, Indonesia recorded approximately 204,450 road traffic accidents, significantly rising from the previous year. If you don’t feel safe driving, hire a private driver or use public transport.
Terrorism: There’s a high threat of terrorist attacks in Indonesia, with potential targets including tourist areas. Tourists should remain vigilant, especially during religious holidays and significant events.
Natural Disasters: Indonesia is prone to natural disasters, including volcanic eruptions, earthquakes, and tsunamis. Recent volcanic activity has led to exclusion zones, and flight disruptions have been reported due to volcanic ash. You can check to see if any volcanic eruptions are expected using this volcanic activity tracker—however, you may need to translate it into English.
⚠️ Your LUMA travel policy covers you for flight cancellations and other non-refundable trip expenses due to natural disasters and extreme weather events—but not if they were already forecast when you purchased your trip insurance.
Crime: Petty crimes, such as pickpocketing and bag snatching, occur in tourist areas. There have also been reports of scams and credit card fraud. Exercise caution, and be wary of unfamiliar individuals offering unsolicited assistance.
arrival) and a passport with at least 6 months validity are still required. For a more in-depth list of travel requirements, you can read our blog on travel requirements to Indonesia.
Most travelers will need a visa to visit Indonesia. Whether you do or not depends on your nationality and length of stay.
Citizens of the following countries can visit Indonesia visa-free:
For certain nationalities, visas can be obtained upon arrival at the airport—however, it’s often easier to apply for a visa online before you travel.
Tourist visas cost 31.00 USD and are valid for 30 days or can be extended to 60 days.
Due to the dynamic nature of visa regulations, it’s crucial to check the current requirements with the embassy in your respective country before traveling to Indonesia.
Read our Indonesia travel advice guide to find out more.
You no longer need a vaccine or a negative COVID test to enter Indonesia. However, you do need a passport with at least 6 months validity and a visa (which for some nationalities you can get on arrival). For a more in-depth list of travel requirements, you can read our blog on travel requirements to Indonesia.
Contact the emergency services immediately:
Once you receive emergency treatment, call the LUMA hotline provided with your policy. Our team will provide you with support to ensure you get suitable care.
The overall standard of healthcare in Indonesia may not be suitable for serious medical or surgical conditions.
For international travelers facing significant illness or injury, we can recommend medical evacuation to a suitable medical facility. In some cases, this could be in another country, like Singapore or Thailand.
Read our full blog on what to do in case of emergency in Indonesia.
Numerous private health clinics in Indonesia address travelers’ medical needs. For a complete list of clinics, including their contact details, have a look at our comprehensive guide: What to Do in Emergency in Indonesia. This guide provides essential information to help you access reliable medical care during your trip.
Indonesia is a religiously diverse country, so it is important to respect local customs and beliefs.
For example, on the island of Java, the majority of the population is Muslim, while on the island of Bali, the majority is Hindu.
In Bali, visitors should avoid disturbing the small religious offerings they might find on the ground. Sarongs and hip scarves are required to enter ancient temples, and you should dress modestly when attending religious sites.
We recommend using Bluebird taxis. They are safe and use metered fares, so there is no need to worry about being overcharged.
Bluebird also has an app that allows you to order taxis from your current location and pay for them via credit card. Cash is also accepted if you prefer to pay the driver directly.
Indonesia has around 17,000 islands—so seeing all of it is tricky! Here are the main areas we recommend visiting:
Bali, often called the Island of the Gods, is Indonesia’s most iconic destination, renowned for its breathtaking beaches, verdant rice terraces, and vibrant cultural heritage. From riding the waves at Kuta Beach to finding serenity in the artistic heart of Ubud, Bali offers an unforgettable experience for every type of traveler.
Jakarta, Indonesia’s bustling capital, is a city of contrasts, offering a unique blend of modern skyscrapers, historic landmarks, and vibrant street life. Visitors can explore cultural treasures like the Old Town, enjoy shopping at world-class malls or savor local cuisine at bustling street food stalls.
Often seen as Bali’s quieter neighbor, Lombok offers a perfect mix of natural beauty and unspoiled charm. Known for its pristine beaches, crystal-clear waters, and dramatic volcanic landscapes, Lombok is a haven for adventure seekers and relaxation lovers alike. This island delivers a more laid-back and authentic Indonesian experience away from the crowds.
Often called the cultural heart of Java, Yogyakarta is a vibrant city rich in history, art, and tradition. Known for its royal heritage, it is home to the majestic Kraton (Sultan’s Palace) and the Borobudur and Prambanan temples, two of Indonesia’s most iconic UNESCO World Heritage Sites. Yogyakarta offers a captivating blend of history and charm.
The official currency of Indonesia is the rupiah, denoted by Rp or IDR.
While most areas in Indonesia accept credit/debit cards, smaller merchants and local markets in Indonesia prefer cash, so be sure to carry some on you.
At the time of writing, these are the exchange rates for IDR:
“LUMA Asia Pass” is the commercial name of the travel insurance policy insured by Bao Long Insurance Corporation, distributed globally by Luma International and serviced by Luma Care Co. Ltd.
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