What this solves
Bali's medical scene has three tiers: local clinics (cheap, capable for simple things), Indonesian hospitals (BIMC, Siloam, Kasih Ibu — mid-priced, English-speaking, good for most scenarios), and international hospitals with evacuation ties (Bali International Medical Centre / BIMC, Siloam Hospitals Denpasar). Your scenario determines which tier fits, and your insurance determines whether you pay anything out of pocket. Most travel policies exclude scooter riding without a motorbike licence — that's the gap to check.
Who it's for. First-time Bali visitors buying travel insurance, long-stay nomads with KITAS cover, anyone who has wondered what "Rp 25m out of pocket" actually means in a Bali hospital.
Estimate my scenario
How to read the result
- Cost band (Rp) is the realistic 2026 reference range, not a quote. Out-of-pocket vs. insurance-covered is broken out separately.
- Recommended facility tier is the cheapest option that meets the clinical need. Going higher than needed costs money; going lower is risky.
- Evacuation band only applies to severe / critical scenarios on remote islands or volcanoes.
- Insurance gap flags the line in your policy that won't pay — read this before you need it.
Limitations
- This tool gives reference bands, not quotes. Bali hospitals publish price lists but actual invoices vary by complication, length of stay, and pharmacy.
- Insurance gap wording is generic. Your actual policy's fine print decides coverage. Read it.
- Evacuation bands assume an international provider (Medivac, International SOS). Local ambulance is cheaper but slow in remote areas.
- Medication costs in this tool are estimate-only. Counterfeit drugs are a known issue at small Bali pharmacies — use hospital pharmacies only.
FAQ
Is BIMC the best hospital in Bali?
For tourists, yes. BIMC (Kuta / Nusa Dua) and Siloam Hospitals (Denpasar) are the two main international-grade hospitals. Both have 24h ER, English-speaking staff, and direct billing to most travel insurances. Kasih Ibu (Denpasar) and Sanglah (the public hospital) are cheaper but with longer waits and less English.
What if I crash without a motorbike licence?
Travel insurance almost always excludes unlicensed riding — the exclusion is a single line in the fine print. The hospital will still treat you, but you pay out of pocket (Rp 8–30m for fracture care, Rp 30m+ for surgery / ICU). The at-fault party's liability can land on you fully. Get a valid IDP / SIM C before riding.
Does KITAS cover me?
KITAS holders are typically enrolled in BPJS Kesehatan (national insurance) which covers Indonesian-public-hospital care at low cost. Coverage is at Sanglah, Kasih Ibu, and other partner hospitals. International hospitals (BIMC, Siloam) accept BPJS only for some procedures and require co-pay. A separate travel insurance is recommended for the international tier.
What should I bring to the hospital?
Passport, insurance card / policy number, a list of current medications, emergency contact in your home country, and a credit card with at least Rp 30m available (the deposit international hospitals ask for). For scooter crashes, also bring the bike rental agreement and a copy of your licence — the insurer will ask.
Sources
- BIMC, Siloam, Kasih Ibu, Sanglah published tariff references (2026).
- Indonesian Ministry of Health guidance on foreign-patient billing.
- International SOS / Medivac Indonesia evacuation band (2024–2026 reference).
- WHO / CDC traveller-health guidance on dengue and Bali belly management.