Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, where he focuses on helping people compare health plans for life abroad. He emphasizes clear information, neutral analysis, and practical decision support.
SafetyWing in Indonesia
SafetyWing is by far the most popular insurance choice among digital nomads in Bali. At $45/month, it provides affordable travel medical coverage that works for healthy individuals on shorter stays.
But SafetyWing has important limitations. Understanding what it covers—and what it doesn't—helps you decide if it's right for your situation.
$45/mo
Starting price
$250K
Maximum coverage
$100K
Evacuation coverage
Quick Coverage for Bali
SafetyWing is easy to purchase and starts immediately.
Get SafetyWingWe may earn a commission when you apply through our links. This does not affect our recommendations.
What SafetyWing Covers
SafetyWing Nomad Insurance includes:
- Emergency medical: Up to $250,000
- Hospital stays: Covered after deductible
- Emergency dental: Pain relief and emergency care
- Medical evacuation: $100,000
- Trip interruption: Some coverage included
- Travel delays: Basic coverage
How It Works in Bali
SafetyWing operates on a reimbursement basis. You pay for care at Indonesian hospitals (BIMC, Siloam, etc.) and submit claims for reimbursement. Some larger hospitals may work with SafetyWing directly.
Limitations
SafetyWing is travel medical insurance, not comprehensive health insurance. Key limitations:
What SafetyWing Doesn't Cover
- Pre-existing conditions: Completely excluded
- Routine care: Checkups, preventive care not covered
- Mental health: Not covered
- Maternity: Not covered (except emergency complications)
- Chronic conditions: Ongoing treatment not covered
- High-risk activities: Some exclusions apply
Coverage Limits
The $250,000 lifetime limit may seem high, but serious medical events can exceed this—especially if evacuation to Singapore is needed. For long-term expats or those with health concerns, comprehensive international insurance is safer.
Plans and Pricing
| Plan | Coverage | Price |
|---|---|---|
| Nomad Insurance | Travel medical | $45-70/mo |
| Remote Health | Health insurance | $160-220/mo |
Nomad Insurance vs Remote Health
- Nomad Insurance ($45/mo): Travel medical coverage. Best for healthy nomads on shorter stays.
- Remote Health ($160+/mo): Actual health insurance. Better for longer stays or those wanting comprehensive coverage.
Who Should Choose SafetyWing in Indonesia
Good Fit
- Healthy digital nomads
- Short to medium stays (under 6 months)
- Budget-conscious travelers
- Those with no pre-existing conditions
- Young expats comfortable with limitations
- Those who accept risk of coverage gaps
Consider Alternatives
- Long-term expats (1+ years)
- Anyone with pre-existing conditions
- Those needing mental health coverage
- Families with children
- Retirees
- Those wanting comprehensive coverage
The Bottom Line
SafetyWing is fine for healthy digital nomads who understand its limitations. It provides affordable emergency coverage for the majority who never need it.
But if you have health concerns, plan to stay long-term, or want comprehensive coverage, international health insurance (Cigna, Allianz, IMG) is the better choice despite higher costs.
Need More Than SafetyWing?
Compare comprehensive international health insurance for Indonesia.
See All OptionsWe may earn a commission when you apply through our links. This does not affect our recommendations.
Disclaimer: SafetyWing Nomad Insurance is travel medical insurance with limitations. It is not comprehensive health insurance. Review policy details carefully before purchasing.
