What insurance should you choose for an internship in Bali?
Doing an internship in Bali is the adventure of a lifetime ✈️. Between the idyllic beaches, rice fields, and fascinating Balinese culture, it's hard not to dream about it. But before you jump on a plane, there's one crucial thing to consider: insurance! Because, yes, the unexpected can happen quickly, and it's better to be well covered to avoid financial hardship. In this article, we explain everything you need to know about insurance before you leave for Bali.
❓ Why take out insurance before leaving?
Many students think that their credit card or health insurance covers all costs in case of problems abroad. Bad news: this is not always the case! A simple doctor's appointment in Bali can be expensive, not to mention hospitalizations or repatriations. With good insurance, you can be sure you are protected against:
✔️ Medical and hospitalization expenses
✔️ Repatriation if necessary
✔️ Civil liability (if you cause property damage or bodily injury to others)
✔️ Loss or theft of your belongings
🔍 The different insurance options
1️⃣ Insurance included with your credit card
If you have a premium credit card (Visa Premier, Mastercard Gold), travel insurance is often included. But be careful: it usually only covers the first few months and has limited coverage. Be sure to check the terms and conditions before you leave.
2️⃣ Student health insurance
Some student health insurance providers offer international coverage extensions. This is a good option, but it may be incomplete depending on the contract. Remember to check whether it covers Bali and whether the amounts are sufficient.
3️⃣ Specialized insurance for expatriates and interns
It is often best to take out specialized travel insurance for long periods. Several companies offer policies tailored to interns abroad, such as:
Chapka Insurance (Cap Student)
AVI International (Marco Polo)
ACS (Globe Partner)
April International
These insurance policies generally cover medical care, civil liability, repatriation, and sometimes even high-risk sports (very useful if you want to try surfing in Bali!).
4️⃣ Insurance in France covering internships abroad
There are also insurance companies in France that can cover you for the entire duration of your internship. Companies such as MAIF, MGEN, and LMDE offer special policies for students doing internships abroad. Be sure to compare these offers before making your choice.
🧐 How to choose the right insurance?
Before signing a contract, remember to compare offers by checking these key points:
✔️ Amount of medical coverage: minimum €100,000 recommended
✔️ Repatriation coverage: in case of serious medical need
✔️ Civil liability: essential if you cause damage
✔️ Coverage period: some policies are limited to 90 days
✔️ Exclusions: check whether activities such as diving or motorcycling are covered
🏥 The importance of insurance for healthcare in Bali
Balihas good qualityhospitals and private clinics, but healthcare can be very expensive, especially if hospitalization is required. Without insurance, you will have to pay out of pocket, and some facilities require a guarantee of payment before providing treatment.
📌 In summary
Before leaving for your internship in Bali, it is essential to take out appropriate insurance. Whether through your bank, your mutual insurance company, or a specialized insurer, make sure you are well covered so you can enjoy your experience with peace of mind. Good preparation will save you a lot of hassle once you are there!
Consider asking your bank as well, as some institutions are able to assist you!
👉 Need help organizing your internship in Bali? Bali Interns will assist you from start to finish in your search for an internship and with all the administrative procedures. Contact us to find out more!
