Can I claim a Bali blood test on my insurance?
Quick answer
Can I claim a FORM blood test in Bali on international health insurance?
Every FORM panel comes with an itemised receipt listing each test performed and its ICD-10 code, plus the results report — the two documents most international insurers ask for on a diagnostics claim. Customers on international expat plans report averaging around 95% reimbursement. The outcome is determined by your individual policy: FORM supplies the paperwork and is not affiliated with any insurer.
- Documents:
- Itemised receipt + ICD-10
- Billed in:
- IDR
- Guarantee:
- None — plan dependent
How the claim works
1. Order and pay as normal
FORM charges in IDR. Pay by card or bank transfer; Pay in 3 instalments is available at checkout on eligible orders.
2. Receive the documentation with your report
Alongside the results PDF you get an itemised receipt listing each test performed, with ICD-10 codes attached.
3. Submit the claim to your insurer
Most international policies accept an itemised receipt plus the report as a diagnostics claim. Upload both through your insurer's app or claims portal.
4. Reimbursement is decided by your plan
The outcome depends on your individual policy and its diagnostics cover. FORM supplies the documentation; the insurer makes the decision.
Insurers FORM has seen reimburse panels
- Cigna
- Foyer Global Health
- Genki
- XCover
Reimbursement is determined by your individual plan. FORM provides the documentation insurers require — itemised receipt and ICD-10 codes — but cannot guarantee a specific outcome, and is not affiliated with these insurers.
Insurance questions
Is a blood test in Bali covered by international insurance?
Diagnostics cover varies by policy. Customers on international expat plans report averaging around 95% reimbursement on FORM panels, but the outcome is always determined by the individual plan.
What documentation does FORM provide for a claim?
An itemised receipt showing each test performed with ICD-10 codes, plus the expert-reviewed results report. That is the pairing most international insurers request.
Which insurers have reimbursed FORM panels?
FORM has seen reimbursement through plans including Cigna, Foyer Global Health, Genki and XCover, among others. FORM is not affiliated with any insurer.
Does Indonesian BPJS cover FORM testing?
No. FORM is a private pathology service billed in IDR and is not part of the Indonesian public scheme.
Can FORM guarantee reimbursement?
No. FORM supplies the documentation insurers require but cannot guarantee an outcome on any individual policy.