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Travel Insurance For Indonesia From India

Indonesia is renowned for its beautiful beaches and destinations like Bali, a magnet for global travellers. Before jetting off, ensure your peace of mind by securing comprehensive Indonesia travel insurance. This is vital for covering any unexpected incidents, from lost luggage to medical needs. Whether you're travelling within Indonesia or planning an international journey, the right travel insurance is key. So, remember to include international travel insurance in your preparation checklist. This way, you can enjoy your adventure in Indonesia worry-free!. Read on for more info.

Indonesia is renowned for its beautiful beaches and destinations like Bali, a magnet for global travellers. Before jetting off, ensure your peace of mind by securing comprehensive Indonesia travel insurance. This is vital for covering any...
Indonesia is renowned for its beautiful beaches and destinations like Bali, a magnet...
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Travel Insurance For Indonesia

Travel insurance for Indonesia is a type of insurance policy that protects you against a variety of financial emergencies while travelling abroad. Indonesia travel Insurance policies will provide coverage for Hospitalisation due to illness/accident, Baggage loss or delayed check-in, Passport Loss/Theft, Flight delays/cancellations, Trip cancellation or rescheduling, Emergency trip extension, Home Cover, Adventure Sports Cover*, Medical Evacuation, and Repatriation of mortal remains in case of death.

Why Do You Need Travel Insurance For Indonesia?

Here are some scenarios where international travel insurance for Indonesia can financially protect you.

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Flight Delays or Cancellations

Flight disruptions can cause major headaches, especially when you're travelling in a foreign country. Travel medical insurance in Indonesia can provide coverage for expenses if your flight is delayed or cancelled due to some unexpected reasons mentioned in the policy.

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Medical assistance in emergencies
Medical Emergencies Abroad

While travelling in a foreign country, you never know when you may face a medical emergency. Travel insurance can help cover the cost of medical treatment, hospital stays, and emergency evacuation if necessary.

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Peace of Mind While Travelling

Ultimately, travel insurance Indonesia can give you peace of mind while travelling. Knowing that you have coverage for unexpected events can make your trip much less stressful and allow you to enjoy your experience to the fullest.

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Trip Cancellation or Interruption

Sometimes, unexpected events like natural disasters or personal emergencies force you to cancel or shorten your trip. Travel insurance in Indonesia can provide coverage for the costs of cancelled flights.

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Lost or Stolen Belongings

Theft can happen anywhere, and losing your belongings while travelling can be a major inconvenience. Indonesia travel insurance from India can provide coverage for lost or stolen items like your passport.

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Adventure sports injuries
Coverage for Adventure Activities

If you're planning to participate in any adventure activities like hiking, surfing, or diving while in Indonesia, Indonesia travel insurance can provide coverage for any accidents or injuries that may occur.

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Why Choose ACKO Travel Insurance for Indonesia?

ACKO is today's most efficient and user-friendly insurance platform. ACKO's travel health insurance Indonesia is comprehensive and reasonably priced.

We make it easy to ensure your India-Indonesia trip. Here are some: 

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Affordable Premiums 

Everyone deserves excellent value, and our basic travel insurance starts at just Rs. 8/day*. You won't find a better deal for the peace of mind you deserve.

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Quick & Hassle-Free Online Purchase

At ACKO, we believe in making things simple and transparent for you. Buying insurance at ACKO is a simple process without jargon or surprises. 

Easy Claims
Easy Claim Settlement Process

We understand that submitting a claim can be stressful, but rest assured that ACKO's team is here to help. We work diligently to resolve your claim as quickly and easily as possible.

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Wide Sum Insured Options

At ACKO, we understand that everyone has different needs. That's why we allow you to choose the sum-insured policy that best suits you.

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You pay nothing

We'll cover everything up to your sum insured limit, so you won't have to worry about any out-of-pocket expenses.

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24x7 Global Assistance

When you are travelling, it is essential to know that you can get assistance whenever you require it. You can contact us at any time and from any location via missed call or email.

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Zero Paperwork – Instant Policy

Our digital platform allows you to purchase policies, file claims, and access other insurance-related features without any paperwork. Say goodbye to hours of form-filling!

Benefits of ACKO’s Indonesia Travel Insurance Plan

In addition to the benefits stated previously, purchasing ACKO Travel Insurance for Indonesia provides you with the following advantages

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Tailored Coverage for Individuals, Families, Students & Seniors

At ACKO, you have the freedom to choose the coverage you need, allowing you to avoid paying for unnecessary things. Whether solo, with family, studying abroad, or a senior citizen, coverage is built around specific needs.

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Emergency Medical & Hospitalisation Cover

The plan provides financial protection for sudden illnesses or accidents while travelling. It covers hospital stays, medical treatments, and emergency care abroad.

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Baggage & Personal Belongings Protection

Compensation is provided for lost, delayed, or stolen baggage and valuables, ensuring your essentials are protected throughout the trip.

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Trip cancellation
Trip Interruption or Cancellation Cover

If your journey is cut short or cancelled due to unforeseen events, the plan reimburses non-refundable expenses. It helps reduce financial losses from missed travel plans.

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Adventure sports injuries
Adventure Sports Add-Ons

Travellers can opt for additional coverage for activities like trekking, scuba diving, or skiing. This ensures safety and financial support during high-adventure experiences.

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What is Covered By ACKO’s Travel Insurance Indonesia?

Here are the situations generally covered when you buy a travel insurance policy for Indonesia from ACKO.

Medical Coverage:

  • Return of a minor child to their city of residence if the insured person is hospitalised.
  • Compassionate visits for family members if the insured person is hospitalised.
  • Compensation for monetary loss due to transportation in case of medical care, or the death of the insured person during the trip.

Baggage Coverage:

  • Compensation for misplaced or delayed checked-in baggage.
  • Compensation for total or partial loss of checked-in baggage.
  • Reimbursement for unrecoverable costs associated with the loss of a passport

Travel Coverage:

Note: The information provided above is not exhaustive. For more precise and comprehensive details, we recommend referring to the relevant policy wordings.

What is Not Covered By ACKO’s Travel Insurance Indonesia?

Unfortunately, we cannot offer coverage in the following circumstances:

Travel exclusions

  • Travelling without a valid visa.
  • Travelling to Indonesia for medical treatment.
  • Travelling despite being medically unfit to do so.
  • Ignoring your doctor's advice against travelling.
  • If you purchase after leaving India or if your trip doesn’t end in India.
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Legal Exclusions

  • Self-harm or attempting suicide.
  • Engaging in activities while under the influence of drugs or alcohol.
  • Being held responsible for a criminal act.
  • Taking part in dangerous activities such as mining, tunnelling, aerial photography, and similar work.
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Medical Exclusions

  • A pre-existing medical condition that worsens during your stay in Indonesia.
  • Obtaining a letter from a family member certifying your disability.
  • Medical bills resulting from pregnancy.
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Note: The information provided above is not exhaustive. For more precise and comprehensive details, we recommend referring to the relevant policy wordings.

How to Buy ACKO’s Travel Insurance for Indonesia?

You can easily obtain Indonesia Travel Insurance Cover from ACKO by following these simple steps:

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Download & Start

Get the ACKO app from the Play Store/App Store or click [here] to begin.

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Choose Your Cover

Pick a standard plan or customise it by adding your trip dates and coverage preferences.

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Confirm & Get Covered

Fill in traveller details, pay online, and receive your policy instantly.

Why Customers Trust Our Travel Insurance Plans

Travel insurance should let you focus on the journey, not the financial risks.

That’s exactly what our customers experience — no delays, no hidden surprises, just genuine support when it matters the most.

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How to Claim ACKO’s Indonesia Travel Insurance?

ACKO's Indonesia Travel Insurance offers simple, transparent, and efficient claims, including cashless medical treatment or reimbursement. Follow the detailed guide below.

Cashless Medical Claims Process (Step by Step)

Cashless treatment means you don’t have to worry about paying upfront at the hospital. Instead, ACKO coordinates directly with the hospital to settle your medical expenses. Here’s how to proceed:

  • Send an email to [email protected] or give a missed call at 022-69635374.
  • Receive a list of local hospitals in Indonesia that support cashless treatment.
  • Visit the hospital and avail treatment without paying upfront.
  • ACKO will process and settle the claim directly with the hospital, as per your policy terms.
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Reimbursement Process for Paid Medical Expenses

In some cases, you may need to pay upfront for medical services and then claim a reimbursement. This process ensures you are compensated quickly after submitting the required documents.

  • Call 022-69635374 or email [email protected]  to notify you about your claim.
  • Submit your medical bills or invoices for review.
  • ACKO will process your documents and issue a refund within a few days.
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24/7 Claim Support Helpline

Emergencies don’t follow business hours, and that’s why ACKO’s assistance team is available round the clock.

  • Phone: 022-69635374
  • Email: [email protected]
  • Available round the clock to answer queries and assist with claim processing.
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Whether you have a medical emergency, questions about covered treatments, or need help locating a partner hospital, you can contact our team anytime, anywhere. Our experts will guide you through the process, ensuring your claim is handled efficiently and with care.

Documents Required To Travel to Indonesia from India

If you are an Indian national planning to travel to Indonesia, you will need to ensure that you have the following documents.

Documents Required to Purchase Travel Insurance

The following are the documents required to purchase Indonesia travel insurance in ACKO

  • Government ID Proof like Aadhar, PAN
  • Indian Passport
  • KYC before purchasing the travel insurance policy

Documents Required for Travel Insurance Claim

The following documents are needed to raise a claim for travel insurance Indonesia.

  • Claim form
  • Insurance policy
  • Passport and visa
  • Travel tickets or boarding passes
  • Government ID proof
  • Original Receipts & Bills
  • Bank account details

For Indonesia Visa

You may be required to produce the following documents to obtain an Indonesian visa.

  • Indian Passport
  • A recent passport-sized photograph
  • Flight ticket
  • Bank statement
  • Hotel booking receipt
  • Yellow fever vaccination certificate
  • Valid Travel health insurance for Indonesia, including COVID-19 coverage.

*Note: Indonesian entry requirements can change from time to time, so it's a good idea to check with the Indonesian embassy or consulate in India or with your travel agent before you depart.

Let's see how Indonesia Travel Insurance helped Rohan during their trip to Indonesia

Rohan, An Avid Traveller Who Had Been Eagerly Looking Forward To His Trip To Bali For Months

An unexpected event caused Rohan to miss his flight on the day of his departure. Disheartened and worried about the financial loss, he turned to Acko's Indonesia travel insurance for help. To his relief, ACKO came to his rescue by compensating for the missed flight without any additional stress or financial burden.

"Thanks to ACKO's Indonesia travel insurance, I was able to salvage my Bali trip despite the hiccup," says Rohan with a sigh of relief.

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Indonesia Travel Guide for Indians

Indonesia, a vibrant blend of culture, nature, and adventure, is one of the most exciting destinations for Indian travellers. From tropical beaches and lush rainforests to rich traditions and warm hospitality, it offers something for everyone. 

Before you plan your trip, here’s a quick snapshot of Indonesia — its geography, culture, cuisine, wildlife, and more — to help you get acquainted with this fascinating nation:

CategoryFun Fact
  
GeographyIndonesia is the world’s largest archipelago, with over 17,000 islands.
PopulationIt’s the 4th most populous country in the world, after China, India, and the USA.
VolcanoesIndonesia has about 130 active volcanoes, more than any other country.
LanguageThe official language is Bahasa Indonesia, but over 700 local languages are spoken.
Capital CityThe current capital is Jakarta, but the new capital, Nusantara, is being developed in Borneo.
WildlifeIt’s home to rare species like Komodo dragons, orangutans, and Sumatran tigers.
ReligionIndonesia has the largest Muslim population in the world.
CuisineNasi Goreng (fried rice) is the national dish; it’s widely loved across the country.
CultureBatik and Wayang (shadow puppetry) are recognised by UNESCO as cultural heritages.
TourismBali is Indonesia’s most famous island, attracting millions of tourists every year.
EconomyIt’s the largest economy in Southeast Asia and part of the G20 group.
BiodiversityIndonesia is one of the world’s 17 megadiverse countries, rich in flora and fauna.

Best Time to Visit Indonesia

Dry season, from May to September, is considered the best time to visit Indonesia due to warm, sunny weather perfect for beaches, island hopping, and other outdoor activities. For a less crowded experience, the "shoulder" months of May, June, and September are recommended. Travellers seeking to avoid peak tourist numbers and find better prices might consider the wetter season (October to April), but should be prepared for occasional heavy rain showers and plan for more indoor activities.

Things You Should Know Before Beginning Your Indonesia Trip

Here are some fun things you should know before beginning your Indonesia trip.

  • Indonesia is the world's largest archipelago, with over 17,000 islands! So, there's plenty to explore beyond Bali.
  • Bahasa Indonesia is the official language, but don't worry if you don't speak it - many locals also speak English, especially in tourist areas.
  • Indonesian cuisine is a must-try! From sate (grilled skewers) to nasi goreng (fried rice), there's something for everyone.
  • Indonesia is a diverse country with over 300 ethnic groups, each with their own customs and traditions. So, be prepared to encounter diversity.
  • Bali is famous for its beautiful beaches, but did you know that Indonesia also has some of the best diving and snorkelling spots in the world? Make sure to check out Raja Ampat or Komodo Island.
  • Indonesia is home to some of the most beautiful temples in the world, including the Borobudur Temple, which is the largest Buddhist temple in the world.
  • The locals are friendly and welcoming, so don't be afraid to strike up a conversation with them and learn more about their culture.
  • Indonesia is a tropical country, so make sure to bring sunscreen, mosquito repellent, and light, breathable clothing to stay comfortable in the warm and humid climate.
  • The currency used in Indonesia is the Indonesian Rupiah (IDR), so make sure to exchange your money before you arrive or withdraw cash from ATMs when you're there.
  • Finally, Indonesia is a country with a rich history and culture, so be open to learning and experiencing new things during your trip!.
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Top Places to Visit in Indonesia

If you're planning a trip to Indonesia, get ready to be blown away by the sheer diversity of this beautiful country! From stunning beaches and picturesque landscapes to vibrant cities and exotic wildlife, Indonesia has it all. Here are some places you just can't miss while visiting Indonesia.

  • Bali: This world-famous island is known for its beautiful beaches, lush rice terraces, and Hindu temples. If you're a surfer, Bali is a must-visit destination with some of the best waves in the world.
  • Borobudur: This ancient Buddhist temple is a UNESCO World Heritage Site and one of the most impressive archaeological sites in Southeast Asia. The temple dates back to the 9th century and is made up of nine stacked platforms with a central dome at the top.
  • Komodo Island: Home to the legendary Komodo dragon, the world's largest lizard, this island is a must-visit for wildlife enthusiasts. You can take a guided tour to see these incredible creatures up close and personal.
  • Raja Ampat: Located in the heart of the Coral Triangle, Raja Ampat is a paradise for divers and snorkelers. With its crystal clear waters and incredible marine life, this is one of the most beautiful places in the world to explore underwater.
  • Ubud: This charming town in Bali is known for its beautiful scenery, art galleries, and traditional dance performances. It's the perfect place to relax and soak up the laid-back Balinese culture.

Indonesian Currency & Exchange Information

The official currency of Indonesia is the Indonesian Rupiah (IDR). Here’s an approximate exchange rate to help you estimate conversions:

  • 1 IDR = 0.053 INR (Indian Rupee)
  • 1 IDR = 0.000061 USD (United States Dollar)

Make sure to check the latest rates for the most accurat

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Types of Indonesia Visa for Indians

Understanding the different types of Indonesian visas available to visitors is essential if you plan to travel to Indonesia. Here are the main types of visas that can be obtained.

S.NO.VISA TYPEPURPOSE
   
1.Visa-Free VisitIndian citizens can visit Indonesia without a visa for up to 30 days for tourism purposes.
2.Visa on ArrivalIndian citizens can obtain a visa on arrival for a maximum stay of 30 days, which can be extended for another 30 days.
3.Visit VisaThis visa is issued to Indian citizens who wish to stay in Indonesia for more than 30 days. It is valid for up to 60 days and can be extended four times for 30 days each time.
4.Multiple Entry VisaThis visa is valid for one year and allows Indian citizens to enter Indonesia multiple times for a stay of up to 60 days per visit.
5.Business VisaThis visa is issued to Indian citizens who intend to conduct business in Indonesia. It is valid for up to 60 days and can be extended four times for 30 days each time.

*Note: Visa regulations and requirements can change over time, so it is advisable to check with the Indonesian embassy or consulate in India for the latest information before travelling.

Indian Embassy in Indonesia

If an emergency occurs during your stay in Indonesia, you can use the contact information provided in the table below to contact the Indian Embassy in Indonesia.

EmbassyEmbassy of India, Jakarta
AddressGama Tower, 28th floor, Jl. HR. Rasuna Said Kav. C22, Karet Kuningan, Setiabudi, Kota Jakarta Selatan, Jakarta 12940
Phone number+62 21 2522299
Email[email protected]
Websitewww.indianembassyjakarta.gov.in

List of International Airports in Indonesia

The table below displays a list of some of the key international airports present in Indonesia.

INTERNATIONAL AIRPORT NAMELOCATION
  
Soekarno-Hatta International AirportJakarta
Ngurah Rai International AirportBali
Juanda International AirportSurabaya
Sultan Hasanuddin International AirportMakassar
Kuala Namu International AirportMedan
Adisutjipto International AirportYogyakarta
Sam Ratulangi International AirportManado
Sepinggan International AirportBalikpapan
Kualanamu International AirportMedan
Minangkabau International AirportPadang

Tips to Buy the Best Travel Insurance for Indonesia Online

Here is some insider advice for cutting costs on your ACKO International Travel Insurance for Indonesia.

Choose the Right Sum Insured

When selecting your ACKO International Travel Insurance to Indonesia, it's important to keep both your budget and potential risks in mind. One effective way to save money is to choose a sum insured that is financially feasible while also being adequate enough to cover any unforeseen circumstances that may arise during your travels.

Compare Inclusions & Exclusions

Every traveller has unique needs, so it's essential to assess your individual circumstances and select only the necessary coverage. By doing so, you can avoid paying for coverage that you don't need, thus reducing the overall cost of your ACKO International Travel Insurance policy.

Understand the Claim Settlement Ratio

Before purchasing your travel insurance policy, take the time to understand the insurer's claim process. Being familiar with the procedure will enable you to make the most of your policy and quickly file a claim in the event of an emergency during your travels. This can save you time and money in the long run.

Frequently Asked Questions – Indonesia Travel Insurance

Travel insurance is not mandatory for Indians visiting Indonesia. However, it’s highly recommended as it helps protect against medical emergencies, trip cancellations, lost luggage, or other unexpected expenses during your trip.

The cost of travel insurance in Indonesia depends on several factors, such as the duration of the trip, the age of the traveller(s), the sum insured and coverage type, and the no. of travellers. On average, a basic travel insurance policy for a 7-day trip to Indonesia can cost ₹300–₹700 per person, while comprehensive plans with higher medical coverage or adventure activity protection may cost ₹800–₹1,500.

ACKO’s international travel insurance covers select adventure activities depending on the policy terms. Common recreational activities like snorkelling or scuba diving may be covered if done under professional supervision. However, high-risk sports such as cliff diving, skydiving, or motorbike racing might be excluded. Always check the policy wording or adventure sports coverage section before your trip to Bali.

No, you cannot buy travel insurance for Indonesia once your trip has started. You must purchase the policy before departure from India. This ensures coverage begins the moment you start your journey. Some insurers, including ACKO, allow you to buy travel insurance instantly online before your flight.

ACKO’s travel insurance for Indonesia typically covers:

  • Hospitalisation and medical treatment expenses
  • Emergency medical evacuation
  • Dental treatment (for accidents)
  • Accidental injuries
  • Repatriation of remains
  • 24x7 assistance services

Coverage limits depend on your chosen plan, so review the medical coverage section carefully.

No, as of September 22, 2025, individual and family travel insurance policies purchased in India are not subject to GST.

Some situations and claims are not covered under travel insurance. These may include:

  • Pre-existing medical conditions (unless disclosed and accepted)
  • Self-inflicted injuries or suicide attempts
  • Alcohol or drug-related incidents
  • Participation in unlawful acts or reckless behaviour
  • High-risk adventure activities not mentioned in the policy
  • Loss of unattended belongings

Raising a claim with ACKO is quick and digital:

  1. Log in to your ACKO account via the app or website.
  2. Navigate to ‘Travel Insurance’ and select your policy.
  3. Click on ‘Raise a Claim’ and upload the required documents (medical bills, passport copy, etc.).
  4. The ACKO claims team will review and process your request promptly.
    Emergency assistance numbers are available 24x7 in case of immediate medical or travel-related help.

Yes, in most cases, you can extend your policy before it expires, provided no claim has been made and you’re still abroad.
To extend your coverage:

  • Visit the ACKO website or app
  • Go to ‘Manage Policy’ → ‘Extend Travel Insurance’
  • Pay the additional premium for the extra days
    Always extend your policy before your original plan ends to avoid any coverage gaps.

Yes, most ACKO’s Indonesia travel insurance plans provide compensation for flight delays, missed connections, or cancellations beyond a specific number of hours.

You can claim reimbursement for lost, delayed, or stolen baggage. Keep all airline reports and receipts handy for the claim process.

Yes, ACKO’s Indonesia Travel Insurance covers trip cancellations, curtailments, or interruptions due to medical emergencies, natural calamities, or other unavoidable reasons.

Yes. Premiums are higher for senior citizens (above 60 years) due to increased health risk. Family or group plans can offer better value for money.

Yes, ACKO allows travel insurance for one-way trips, but medical repatriation benefits may be limited since there’s no defined return date.

Yes, most ACKO’s Indonesia travel plans still include COVID-19 hospitalisation and quarantine coverage, as long as the illness occurs during your trip.

Currently, Indonesia doesn’t require proof of COVID insurance, but some tour operators or hotels may ask for it during check-in.

Yes, travel insurance for Indonesia covers loss due to theft, burglary, or robbery (subject to policy limits). A police report is mandatory for claims.

Yes, group travel or wedding guests can opt for group travel insurance for convenience and discounted pricing.

Students travelling for education can buy student-specific travel insurance, which covers health emergencies, tuition interruption, and sponsor protection.

*Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.

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Written by Shreya Sahu

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Reviewed by Tanveer Masood Author info Icon

She breathes life into destinations with her words, transforming hidden gems and dream getaways into exciting narratives. She hopes to inspire you to step out of your comfort zone and experience the world—slowly, meaningfully, and consciously!

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