If this is life-threatening, call 112 (national emergency) or 119 (medical emergency / ambulance) first. 112 is the national emergency number in Indonesia; 119 is the public health emergency line (PSC 119) for ambulance and medical dispatch. If someone is unconscious, bleeding heavily, cannot move a limb or is confused, that call comes before anything on this page.
Two things go wrong after a scooter crash in Bali, in a fixed order. First the medical one: people walk away from a fall, decline a hospital because they feel fine, and discover a fracture or a head injury later with no record of where it came from. Then the administrative one: the claim is refused weeks later over a clause nobody read at the rental counter. This page deals with the sequence, not with your injuries.
The first hour, in order
The safety line comes first
Anyone who is not fully alert, cannot bear weight, has an obvious deformity, or has hit their head goes through 112 or 119. That is a decision about time, not about money. Once help is moving, message us and we take over the coordination around it.
Which facility, and why imaging matters
For a fall at speed the destination that matters has an emergency department and imaging, not the nearest small clinic. A clinic that cannot X-ray will often send you on anyway, and the second journey costs the hours you thought you were saving. Imaging is a hospital service, which makes this a directory question rather than a clinical one: several listed Bali hospitals record radiology among their services, and the Bali hospital directory by area shows the source and check date on each line. Capabilities and opening hours change. We confirm by phone at the time of your case. Then we call ahead so the department expects you. The wider sequence is in how emergency coordination works end to end.
The police report
Why insurers ask for it
A travel insurer assessing a road accident wants an independent record that it happened, when, and to whom. A police report is the usual form of that record, and some policies name it as a condition of accident and third-party cover. If you intend to claim, assume you need one, and ask your insurer what they require and in what language.
How to ask, and when
Ask early rather than after discharge, while the details are fresh. You will generally be asked for identification, the rental agreement and your licence, and the police may also ask for a medical report from the treating facility. We go with you, interpret, and keep copies in one file. We are not lawyers and we do not give legal advice.
The clauses that sink scooter claims
Licence
This is the most common refusal. Policies typically require that you were legally entitled to ride the machine you were riding — which for most travellers means a licence with a motorcycle entitlement, plus the international permit that Indonesia recognises. Riding on a car licence, or with no motorcycle category at all, is the gap insurers look for first.
Helmet
Many policies exclude or reduce a claim where a helmet was not worn, and a hospital record noting a head injury without one is difficult to argue with afterwards. Wear one that fastens.
Alcohol
Alcohol exclusions are close to universal, and blood taken on admission is part of the medical record. We do not read your policy for you and we do not tell you what it means — that is between you and your insurer — but these are the three clauses worth reading before you ride, and what a guarantee of payment is and how insurers behave explains what happens once a claim is live.
Imaging and follow-up: what to ask for before you leave
Ask for the imaging report and the images themselves in a file, not only on a screen; for a written note saying what was found and what was done; and for the follow-up plan. If you are flying, ask whether the treating clinician considers you fit to fly and have that written down, because your airline and your insurer may both want it. We request these documents at the desk, chase them, and keep the itemised bill with them. See admission and discharge paperwork and hospital bills and deposits in Bali.
Grazes and open injuries
Road surface injuries look minor and behave badly in a tropical climate, which is why a graze is worth showing to someone licensed rather than treating in a bathroom. We do not give first-aid instructions, we do not dress injuries, and we do not judge how deep anything is. We get you in front of somebody who can.
If another party is involved
Photograph the scene before the vehicles move: both machines, the road, and any damage. Get the other rider’s name and contact, and a photograph of their licence and registration if they will allow it. Ask any witness for a number. Do not sign a handwritten settlement you cannot read, and do not agree to a roadside figure because it feels easier — say that your insurer handles it, and let us translate.
What we coordinate, and what we do not do
What we do: choose and phone a facility that can actually receive the case, arrange transport, meet you there, interpret between you and the staff, sit with you through the police report, collect the imaging, the medical note, the receipts and the itemised bill, and put the same file in front of your insurer. Our first instruction to you is still the safety line: for anything happening now, 112 or 119, and details are in Indonesia emergency numbers 112 and 119.
What we do not do: we do not give first aid or any treatment, we do not assess an injury, we do not give legal advice, and we do not promise that a claim will be paid. We employ no medical staff. The clinical decisions belong to the licensed provider who attends you, and the claim decision belongs to your insurer.
Common questions
Where can I get an X-ray and cast for a fracture in Bali?
Imaging and casting are hospital services, so this is a directory question rather than a clinical one. Several listed Bali hospitals record radiology among their services, and our directory shows the source and the date for each line. Capabilities and hours change, so we confirm by phone before you travel there.
Will travel insurance pay for an ambulance in Bali?
Many travel policies include emergency transport, but the decision belongs to your insurer and depends on your wording and whether they were told in time. Keep the ambulance invoice and the medical note that explains why transport was needed. We prepare and submit that paperwork with you.
Which hospitals in Bali accept international travel insurance?
Accepting insurance and billing your insurer directly are two different things, and the gap between them is where travellers lose money. Many private Bali hospitals work with international insurers, but the arrangement depends on your specific insurer and policy. Confirm it with your insurer, in writing, before you need it.
Should I give my hotel name or GPS location when calling an ambulance?
Give both, but lead with the road and the nearest landmark, then the coordinates. Villa and guesthouse names repeat across Bali and are often invisible from the street, while a temple, a beach access or a junction is not. Send the map pin to whoever is coordinating for you.
To reach the desk: WhatsApp +62 811-2859-0000, or email sales@balipremiumtrip.com. On cost, we do not publish facility charges; we get the figure in writing before you commit to anything.
Sanur Emergency is an independent medical concierge. We are not a clinic, hospital or ambulance operator, we do not employ medical staff, and we are not affiliated with any medical facility. All clinical care is delivered by licensed providers.