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📋 Insurance & Documentation

Your Treatment. Your Money Back.
Why Medical Records Matter in Bali.

Many travellers in Bali receive IV treatment without a proper medical record — and later find their travel insurance claim rejected. BGC's licensed doctor issues an official medical certificate on TMC Clinic Bali letterhead, accepted by major international insurers worldwide.

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The Insurance Problem

Why Most IV Drip Claims in Bali Get Rejected

⚠️ Common Reasons Travel Insurance Rejects Claims in Bali
No licensed doctor present: Insurers require treatment by a qualified physician, not a nurse or technician
Missing diagnosis code (ICD-10): Without a doctor, there is no valid diagnosis code — a requirement of all major insurers
No official letterhead: Handwritten receipts or informal invoices are not accepted
No clinical notes: Insurers require symptoms, examination findings, and treatment rationale
Provider not registered: Treatment must be from a licensed medical facility, not an unregistered individual
BGC operates as the mobile division of TMC Clinic Bali — a licensed Indonesian medical facility with official registration. Every BGC session produces documentation that satisfies all of these requirements.
What BGC Provides

Your Complete Medical Document Package

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Medical Certificate
Official TMC Clinic Bali letterhead
Includes: patient name, date, presenting complaint, physical examination findings, ICD-10 diagnosis code, treatment administered, doctor's name and signature, clinic stamp. Meets international insurer requirements.
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Treatment Invoice
Itemised billing document listing each medication, IV fluid, and service provided with pricing. Required by insurers for reimbursement calculation. Issued in English and Indonesian.
🔬
Lab Results (if applicable)
For Severe Belly Protocol: official lab report from partner laboratory including CBC values and stool examination findings. Strengthens insurance claim by providing objective diagnostic evidence.
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Digital Delivery
All documents sent via WhatsApp PDF on the day of treatment. No waiting. Ready to submit to your insurer immediately. Physical copies available on request at next BGC visit.
Why It Must Be a Doctor

The Legal Difference Between Nurse and Doctor

Under Indonesian law (UU Kesehatan No. 36/2009 and UU Praktik Kedokteran No. 29/2004), only a licensed physician (dokter) holding an active STR (Surat Tanda Registrasi) and SIP (Surat Izin Praktik) is authorised to:
⚕️
Legal Doctor Authorities
✓ Establish a formal medical diagnosis
✓ Prescribe medications (including antibiotics, antiemetics)
✓ Issue an official medical certificate
✓ Sign documents accepted by insurers
✓ Determine indication for IV therapy
✓ Modify treatment based on patient response
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What Nurses Cannot Do
✗ Diagnose medical conditions
✗ Prescribe antibiotics or prescription medications
✗ Issue a legally valid medical certificate
✗ Sign documents for insurance purposes
✗ Legally authorise IV medication orders
✗ Perform independent clinical assessment
✅ Every BGC Session — Licensed MD On-Site
BGC's doctor holds active STR and SIP certification under Indonesian Medical Council registration. All medical certificates are signed by the treating physician and stamped with TMC Clinic Bali's official seal — making every document legally valid for insurance, employer sick notes, and medical records.
Insurance Companies

BGC Documents Accepted By Major Insurers

BGC's medical documentation has been used successfully with the following insurer types. Always check your specific policy for coverage conditions.
🇦🇺
Australian Insurers
Allianz, Cover-More, NIB, Bupa Travel, 1Cover — all require doctor-signed medical certificate with ICD-10 code
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UK Insurers
AXA, Aviva, Staysure, Columbus — require treating physician's name, registration number, and clinical notes
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European Insurers
Europ Assistance, ERGO, Generali — require official medical facility letterhead and itemised invoice
🇺🇸
US/Global Insurers
IMG Global, GeoBlue, WorldNomads — require physician diagnosis and licensed facility documentation
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Credit Card Travel Insurance
Visa Infinite, Mastercard Platinum, AmEx — require doctor-signed certificate for medical expense claims
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Corporate / Employer Insurance
Expat health policies, company travel cover — require formal medical record from licensed medical facility
FAQ

Insurance Claim FAQ

Can a Bali belly IV drip be claimed on travel insurance? ›
Yes, in most cases. Acute gastroenteritis with dehydration requiring IV rehydration is a standard medical expense covered by comprehensive travel policies. BGC provides all required documentation. Check your specific policy for exclusions.
Does the medical record include an ICD-10 code? ›
Yes. BGC's doctor documents the appropriate ICD-10 code (e.g., A09 — Gastroenteritis and colitis of unspecified origin, or K52.9 — Non-infective gastroenteritis) as required by insurers. Without this code, many claims are rejected.
How quickly is the medical record issued? ›
Same day, typically within 1–2 hours of treatment completion. The PDF is sent to your WhatsApp. We can also send directly to your insurer's email address on request.
Is there an extra charge for the medical record? ›
No. Medical documentation is included in every BGC package as standard. There is no additional charge for the medical certificate, treatment invoice, or lab results (when applicable).
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