Press Release
B4U 4 Mental and Physical Well Being
In the current scenario, when people everywhere are grappling with disastrous effects of the pandemic, any kind of celebration is always welcome! Undoubtedly, the past few months proved to be a nightmare that challenged people both emotionally and psychologically. Keeping this in mind, the HR department of the B4U Network invited its employees to celebrate International Yoga Day, World Music Day, and International Father’s Day. The department took initiatives to arrange several webinars on the occasion of all three events to give their employees and colleagues a relief from the monotonous life that they are surrounded with. Since offices are closed off and employees are working from home, these webinars were conducted virtually.
First and foremost, a 5-day Yoga challenge was arranged for the internal employees, from 15 June -19 June. Also, special sessions were held by their wellness spocs under the observation of experienced and renowned trainers. Music helps heal mind and soul and therefore, on 21st June, B4U Network celebrated World Music day by arranging an exclusive webinar for its employees to experience a wonderful musical evening of live Antakshari. Along with that, the Network also celebrated International Father’s Day to appreciate and thank them for their sacrifices and unconditional love. Further, the Network’s HR department arranged an exclusive webinar session for its employees on “Co-Parenting” and also held a session on “Parenting Tips during Lockdown” on 22nd June. These initiatives aimed to revitalize their employees and give them an out from their stress.
Talking about the sessions, the HR Head of B4U Network, Priyanka Bhushan says that, “This is a stressful situation which is taking a toll on everyone. B4U cares for the holistic well-being of employees. Due to the current pandemic and the multiple after effects it is leaving behind, we at B4U felt the need to address these concerns in a holistic and immediate manner. To this end, we had a week long celebration including International Yoga Day, Father’s Day, World Music Day and a spectrum of employee connect activities like Yoga, Co-Parenting workshops, Antakshri all aimed at enabling employees and their families to be in the prime of health and well-being. This is a difficult time, and we want our employees to know that we are facing this crisis as a united front.”
Bali is full of memorable moments, and some of them involve animals. Temple monkeys tug at bags, beach dogs nap near sunbeds, and cats wander into cafés like they own the place. Most interactions are harmless, but a bite or scratch can change the day quickly, because you may need immediate medical care and follow-up treatment. This is where Bali travel insurance becomes more than a box to tick.
In this article, you will explore whether animal bite treatment is insured, the exclusions, and the steps to claim easily in Bali.
Why Animal Bites in Bali Need Special Attention
Bites are not only about the visible wound. Insurers and doctors both treat them as medical events that can pose an infection risk, especially when the bite breaks the skin.
A scratch that looks small in the moment can still lead to:
● A doctor’s examination and wound cleaning
● Medicines and dressings
● Follow-up consultations if the doctor advises observation or further care
From an insurance perspective, this matters because claims are usually assessed on medical necessity and documentation, not on how dramatic the injury appears in a photo.
How International Travel Insurance Looks at an Animal Bite
Most travel policies are built around emergency medical expenses for unexpected illness or accidental injury abroad. A bite or scratch usually fits the accidental injury bucket, but coverage is rarely blanket.
In many plans, the following may be considered if a doctor prescribes them and bills and medical notes support them:
● Consultation and outpatient treatment
● Emergency care and procedures, such as wound dressing or stitches, if clinically required
● Prescribed medicines and investigations
● Hospitalisation if the treating doctor confirms it is needed
Common Reasons Claims Get Reduced or Rejected
This is the part travellers often miss. Insurers usually do not deny claims because an animal was involved. Claims become difficult when the event looks avoidable, the reporting is delayed, or the paperwork is weak.
Avoidable-Risk Situations Insurers Scrutinise
Policies commonly exclude or limit claims linked to unsafe conduct or preventable exposure. For animal bites, scrutiny may increase if the incident appears connected to:
● Provoking, feeding, or trying to handle wild animals
● Ignoring warning signs at tourist spots
● Being intoxicated at the time of the incident
● Activities that a policy lists as excluded or restricted
The takeaway is simple: if your own description sounds like a risky choice rather than a sudden accident, the insurer may challenge it.
Delays, Missing Papers, and Policy Conditions
Even when your incident is genuinely accidental, claims can still stall due to basics such as:
● Not informing the insurer or assistance partner within the required time
● Missing itemised bills, prescriptions, or clinical notes
● No proof of travel dates or passport entry details when requested
● Submitting only pharmacy slips without a doctor’s consultation record
International travel insurance is paperwork-driven. If you document it well, you reduce the chance of avoidable back-and-forth.
What to Do If You Are Bitten or Scratched in Bali
Your health comes first, always. But a few sensible steps can protect your recovery and keep your insurance file clean.
Medical Steps That Help You and Your Claim
Act fast, stay calm, and get proper care before worrying about bills.
● Clean the wound promptly and seek medical care, even if it seems minor
● Follow the doctor’s advice, including follow-ups if recommended
● Avoid self-medicating in place of a clinical assessment, because insurers often ask for a doctor’s report
Claim Notes and Documents to Collect
Keep these handy; they’ll save time and avoid follow-up questions later.
● Doctor’s notes that mention the nature of injury, treatment given, and advised next steps
● Prescriptions and pharmacy invoices
● Itemised hospital or clinic bills
● A brief written note of where and when it happened, while it is still fresh in your mind
Final Word
Animal bites in Bali are not rare, and they are not always dramatic, which is exactly why travellers underestimate them. Many travel policies can cover bite-related medical treatment when it is accidental and medically necessary, but the outcome depends on your policy terms and the quality of your documentation. If you buy cover thoughtfully, keep the assistance number handy, and respond sensibly if an incident happens, you give yourself the best chance of both good medical care and a smoother claim experience.
