Insurance Providers in Bali

Protect your property, health, and peace of mind

Find Your Insurance

Showing 6 of 6 insurance providers

Allianz Indonesia

VerifiedExpat Friendly

international

4.6

187 reviews

7 days claim response

Leading international insurer with comprehensive coverage for expats and property owners in Bali. Strong claims processing, extensive hospital network, and English-speaking support. Ideal for high-value properties and international health coverage.

PROPERTY COVERAGE

Up to $5.0M

From $800/year

HEALTH COVERAGE

Up to $1.0M

From $1200/year

DEDUCTIBLE

From $500

INSURANCE TYPES OFFERED

property Insurancehealth Insurancevehicle Insurancelife Insurance

KEY FEATURES

International coverage
24/7 emergency assistance
Cashless hospital network
Natural disaster coverage
Villa rental income protection
Online claim submission
Expat-specific packages

LANGUAGES

English, Indonesian, German

COVERAGE AREAS

All Bali, All Indonesia, International

Contact Information

bali@allianz.co.id

+62 361 234 5678

WhatsApp: +62 811 1234 5678

www.allianz.co.id

Jl. Bypass Ngurah Rai, Sanur

AXA Mandiri

VerifiedExpat Friendly

international

4.5

142 reviews

10 days claim response

French-Indonesian joint venture offering competitive rates for property and health insurance. Strong earthquake coverage (critical for Bali). Excellent for villa owners with multiple properties.

PROPERTY COVERAGE

Up to $3.0M

From $600/year

HEALTH COVERAGE

Up to $0.5M

From $900/year

DEDUCTIBLE

From $300

INSURANCE TYPES OFFERED

property Insurancehealth Insurancelife Insurance

KEY FEATURES

Earthquake coverage included
Replacement cost (not depreciated)
Villa construction coverage
Family health plans
Cashless claims
Multi-property discounts

LANGUAGES

English, Indonesian, French

COVERAGE AREAS

All Bali, All Indonesia

Contact Information

customer@axa-mandiri.co.id

+62 361 847 5000

WhatsApp: +62 812 9876 5432

www.axa-mandiri.co.id

Jl. Sunset Road No. 123, Kuta

Chubb Insurance Indonesia

VerifiedExpat Friendly

international

4.8

93 reviews

5 days claim response

Premium insurer specializing in luxury villas and high-net-worth individuals. Best for properties above $1M with unique features. White-glove claim service and comprehensive coverage for modern villa amenities.

PROPERTY COVERAGE

Up to $10.0M

From $1500/year

HEALTH COVERAGE

Up to $2.0M

From $1800/year

DEDUCTIBLE

From $1000

INSURANCE TYPES OFFERED

property Insurancehealth Insurancevehicle Insurance

KEY FEATURES

High-value property specialist
Art and collectibles coverage
Infinity pools and glass structures
Global health coverage
Concierge claim service
Premium villa packages
Cyber insurance for smart homes

LANGUAGES

English, Indonesian

COVERAGE AREAS

All Bali, All Indonesia, Southeast Asia

Contact Information

bali@chubb.com

+62 361 301 2000

WhatsApp: +62 819 8765 4321

www.chubb.com/id

Jl. Sunset Road No. 88, Seminyak

Pacific Cross Indonesia

VerifiedExpat Friendly

international

4.7

211 reviews

3 days claim response

Health insurance specialist for expats in Asia. No property insurance, but unmatched health coverage with regional evacuation. Popular among long-term expats and retirees. Competitive premiums for comprehensive coverage.

HEALTH COVERAGE

Up to $1.5M

From $800/year

DEDUCTIBLE

From $250

INSURANCE TYPES OFFERED

health Insurance

KEY FEATURES

Expat health specialist
Direct billing 500+ hospitals
Evacuation to Singapore
Pre-existing conditions (after waiting period)
Dental and optical add-ons
Maternity coverage
Flexible area coverage

LANGUAGES

English, Indonesian

COVERAGE AREAS

All Bali, All Indonesia, Asia-Pacific

Contact Information

info@pacificcross.co.id

+62 361 765 4321

WhatsApp: +62 813 2345 6789

www.pacificcross.com.sg/indonesia

Jl. Kunti No. 99, Seminyak

Sinar Mas Insurance

Verified

local

4.3

156 reviews

14 days claim response

Large Indonesian insurer with competitive rates for property and vehicle insurance. Best for budget-conscious owners or rental businesses. Solid claims processing with local market knowledge.

PROPERTY COVERAGE

Up to $2.0M

From $400/year

DEDUCTIBLE

From $200

INSURANCE TYPES OFFERED

property Insurancevehicle Insurance

KEY FEATURES

Affordable premiums
Fast local claims processing
Fire and earthquake coverage
Flexible payment plans
Motorcycle insurance
Villa rental business coverage

LANGUAGES

Indonesian, English

COVERAGE AREAS

All Bali, All Indonesia

Contact Information

bali@sinarmas.co.id

+62 361 428 7000

WhatsApp: +62 821 3456 7890

www.sinarmas.co.id

Jl. Bypass Ngurah Rai, Denpasar

Bali Insurance Brokers

VerifiedExpat Friendly

broker

4.7

128 reviews

7 days claim response

Independent insurance broker representing multiple insurers. Helps find the best coverage at competitive rates. Excellent for first-time property owners who need guidance. Handles claims on your behalf.

PROPERTY COVERAGE

Up to $10.0M

From $500/year

HEALTH COVERAGE

Up to $2.0M

From $700/year

DEDUCTIBLE

From $0

INSURANCE TYPES OFFERED

property Insurancehealth Insurancevehicle Insurancelife Insurance

KEY FEATURES

Multi-provider comparison
Claim advocacy
Policy optimization
Annual review service
English-speaking team
Local market expertise
Package deals for property + health + vehicle

LANGUAGES

English, Indonesian, Dutch, French

COVERAGE AREAS

All Bali

Contact Information

info@baliinsurancebrokers.com

+62 361 975 8000

WhatsApp: +62 818 9876 5432

www.baliinsurancebrokers.com

Jl. Raya Canggu No. 77, Canggu

Insurance Guide for Bali Property Owners

Property Insurance

  • • Coverage: Fire, earthquake, flood, theft, liability
  • • Cost: 0.1-0.3% of property value annually ($500-$2,000 for $500k villa)
  • • Must-have: Earthquake coverage (Bali is seismic zone)
  • • Optional: Rental income protection, pool/glass structure coverage
  • • Exclusion check: Read policy for riot, terrorism, nuclear exclusions

Health Insurance

  • • Essential for expats: Indonesian healthcare costs can be high for foreigners
  • • Coverage: Inpatient, outpatient, emergency evacuation
  • • Cost: $800-$3,000/year depending on age, coverage area
  • • Evacuation: Get Singapore/Australia evacuation (Bali hospitals limited for complex cases)
  • • Pre-existing: Most require 1-2 year waiting period

Vehicle Insurance

  • • Mandatory: Third-party liability for all vehicles
  • • Comprehensive: Recommended for cars ($300-$800/year)
  • • Motorcycle: $50-$150/year for scooter
  • • Coverage: Theft is common in tourist areas, get comprehensive

Tips for Choosing Insurance

  • • Use brokers for comparison (no extra cost, paid by insurer)
  • • Check claim settlement ratio (% of claims paid)
  • • English-speaking support critical for expats
  • • Annual review: property values rise, update coverage
  • • Multi-policy discounts: bundle property + health + vehicle
  • • Read exclusions carefully (many don't cover acts of God)

Important: Insurance is not mandatory for property ownership in Indonesia, but highly recommended. Most mortgage lenders require comprehensive property insurance. Always read policy documents carefully and understand exclusions before purchasing.