Press Release
#BreakKeBaad, Hero ISL 2019 resumes as the race to the playoffs begins!
MUMBAI: The heroes of the Indian football team return from the AFC Asian Cup as the ongoing season of Hero Indian Super League – season 5 resumes on Friday, January 25th with arch rivals Kerala Blasters locking horns against the 2-time champions ATK.
The opening weekend will also feature other marquee matches involving defending champions Chennaiyin FC as NorthEast United FC host them on Saturday, January 26th.
The week will end with the top of the table clash between Mumbai City FC and Bengaluru FC on Sunday, January 27th. All games will begin from 7.30 pm IST and will be broadcast LIVE on the Star Sports Network.
After a morale boosting AFC Asian Cup, the Blue Tigers have now returned on the home soil to don their Hero ISL franchise colours aiming further to win fan’s hearts from across the country. The opening three games of the Hero ISL season after the break will see stars from national team Sunil Chhetri, Gurpreet Singh Sandhu, Udanta Singh (all Bengaluru FC), Anirudh Thapa (Chennaiyin FC), Rowllin Borges (NorthEast United FC), Subhasish Bose (Mumbai City FC), Pronay Halder (ATK) and many more back in action for fans to look forward to.
ATK, currently sixth in the table, are just four points away from the third-placed FC Goa. With ATK’s glorious history, the recent acquisition of Edu Garcia and the appointment of former Crystal Palace first team coach and West Bromwich Albion assistant head coach Ben Garner, the team looks to bounce back to chase their third Hero ISL title.
Bengaluru FC narrowly missed out on the Hero ISL title last year and are unbeaten after 11 games, with this form the team could very well be the champions this season. The current standings in the league table also indicates that the league could have a new winner with Bengaluru FC, Mumbai City FC, FC Goa, NorthEast United FC and Jamshedpur FC all in contention for the playoff spots.
Kerala Blasters in an aim to regain momentum have replaced David James with Nelo Vingada and would look at the game against ATK on Friday, January 25th as a perfect opportunity to regain their lost confidence.
There is much in store for football fans across the country as the teams’ clash for a chance at attaining the coveted Hero ISL trophy.
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.
