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RUHealthcare in Bali: clinics, insurance and emergencies
In short. For a cold, food poisoning or a minor injury in Bali you go to a private clinic for foreigners: a consultation costs roughly 25-60 dollars, which is faster and cheaper than a hospital. For serious trauma, suspected dengue or anything complicated you go to an international hospital (BIMC, Siloam), which has a 24-hour emergency department and English-speaking staff. Medical insurance covering Indonesia and evacuation is not a luxury for a long stay, it is a requirement.
Two levels of care
- Private clinics for foreigners (in Canggu, Seminyak, Ubud, Sanur): the doctor speaks English, a visit usually takes under an hour, appointments are available. This level covers colds, intestinal infections, skin problems, minor injuries and blood tests.
- International hospitals (BIMC in Kuta and Nusa Dua, Siloam Hospitals in Denpasar and Kuta, Bali International Hospital in Sanur): round-the-clock emergency care, diagnostics, inpatient wards and direct billing with international insurers. This level covers trauma, dengue, surgery and anything that needs a bed.
State hospitals and the BPJS system are cheaper, but queues are longer and English outside the international wing may be limited.
What it costs without insurance
The figures below are working ranges based on private clinic and international hospital prices for foreigners in 2026, not an official price list: the clinic confirms the exact cost before treatment.
- Doctor consultation at a private clinic: roughly 25-60 dollars.
- Hospital emergency department visit without admission: roughly 80-300 dollars.
- A night in a ward: from 100 to 500 dollars depending on the room.
- Surgery with admission and serious trauma: from several thousand dollars.
- Medical evacuation to Singapore in a complex case: from 25,000 dollars, which is the main reason coverage is bought in advance.
In practice, an international hospital asks for a deposit or proof of cover before admission. Foreign cards sometimes fail in hospital terminals, so it is worth keeping some cash set aside from the start.
Insurance
- Travel insurance for a short trip: covers emergency care, but often requires paying first and claiming later.
- International health insurance: for those staying in Bali for months. Look at evacuation cover (at least 100,000 dollars), direct billing with BIMC and Siloam, and the area of cover: plans excluding the US are considerably cheaper.
- A check on the rules: for the E33G remote worker visa the official immigration document list does not require health insurance, while the Second Home and Golden visas do require it.
Separately: if you live in Bali on a work or investor visa for six months or more, Indonesian regulation (Perpres No. 82/2018) makes enrolment in the national BPJS Kesehatan programme mandatory. The contribution is small, but cover is limited to Indonesian facilities and excludes evacuation, so BPJS does not replace international insurance.
Emergencies: what to do
- Call your insurer's 24-hour line first. It will name the hospital and arrange direct payment.
- Indonesia's single emergency number is 112, ambulance 118 or 119. In tourist areas a taxi or ride-hailing bike to the nearest hospital is often faster than an ambulance, which is standard local practice.
- For an animal bite (dog, monkey), wash the wound immediately with soap under running water for at least 15 minutes and go straight to a hospital for rabies post-exposure prophylaxis - this is the WHO protocol, not something to wait out.
- Keep a copy of your policy and the policy number on your phone.
What next
If you are moving long term, arrange health insurance before you fly, not on the ground. Available villas in the areas where foreigner clinics are close by are listed below.
Villa catalog with current prices: Canggu, Seminyak, Ubud and other areas.
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