Hello everyone. I had to utilize my insurance for emergencies, and here's how the service managed it. In the first two months while in Bali, I encountered two incidents. 1. Scooter Accident — Outpatient Visit. A car braked suddenly, causing me to fall and injure my hand. It wasn't serious, and my partner, a nurse, treated my wounds. I required a tetanus vaccine post-accident due to livestock in the area. I emailed the service, visited a clinic of my choice, got the vaccine, and submitted the reimbursement form online. They covered everything except the €50 deductible for outpatient visits. Approval took just two days — quite fast. The money appeared instantly on my card. They didn’t ask for my license, even though I had one. 2. Bacterial Gastroenteritis — Hospitalization. This affected my partner, who was on the same plan. It could have been due to contaminated food or water. She had severe symptoms and we went to the ER. After initial treatment, we thought she could recover at home, but her condition worsened, necessitating hospitalization. The approval wait was stressful, as the hospital required a Guarantee of Payment (GOP) from the service, which took 7 hours. We paid a refundable deposit to start treatment. The average approval time in Indonesia is about 8–9 hours, but can extend up to 24 hours. To be fair, response times differ by location. My advice: improve response times in Indonesia, especially in Bali, as it's a popular destination. They only covered medically necessary treatments, which is standard. In total, around $1250–1500 USD was covered. The hospital wouldn’t show the final bill, but the initial estimate was $1750 USD. The initial ER payment was fully reimbursed without the €50 deductible since it converted to a hospitalization. Communication with the support team was generally quick, often receiving callbacks within 5 minutes. My experience was positive overall, but the response time for GOP approval in Indonesia needs improvement. Paying hospital deposits in emergencies isn’t difficult for me, but it shouldn’t be necessary. Some insurers are worse, but this wait adds unnecessary stress.
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