Professional Protection for a Serious Mountain

Climbing Mount Rinjani is not a casual hike. At 3,726 meters, it is Indonesia’s second-highest volcano and one of Southeast Asia’s most demanding trekking experiences. For travelers who value preparation, safety standards, and responsible adventure, understanding the official insurance coverage is essential. Every registered visitor entering Mount Rinjani is automatically covered by the National Park’s mandatory accident insurance scheme. However, this coverage has clear limits.

This guide explains:

• What the official insurance includes
• What it does NOT include
• Compensation amounts
• Evacuation rules
• Why international travel insurance is strongly recommended

Mandatory National Park Insurance (Included in Your Permit)

All trekkers are registered under the official policy administered by Mount Rinjani National Park.

General Information

Policy Holder:

Mount Rinjani National Park (TN Gunung Rinjani) qq Domestic Visitors

Insured Party (PYD):

Visitors who purchase official insurance tickets through the park authority

Insurance Period:

Valid from park entry until exit

Maximum duration: 4 days

⚠ This insurance applies only within official trekking routes and park boundaries.

Official Insurance Benefits & Compensation (2026)

Maximum compensation amounts:

• Death (Non-Accident): IDR 10,000,000
• Death (Accident): IDR 30,000,000
• Permanent Total Disability: IDR 30,000,000
• Permanent Partial Disability (Max): IDR 30,000,000
• Medical Treatment Due to Accident: Max IDR 1,500,000
• Emergency Evacuation: Max IDR 1,500,000

These limits are fixed by the National Park insurance scheme.

What Is Considered a “Nature Tourism Accident”?

Coverage applies if the insured person experiences an accident within official trekking routes or natural attraction areas.

Covered emergency situations include:

• Severe ankle sprain preventing walkin
• Bone fracture, dislocation, or bleeding injuries
• Missing person during trekking
• Hypothermia
• Asthma attack
• Critical medical emergencies
• Severe dehydration
• Stroke
• Heart attack
• Poisoning
• Coma
• Traffic accident inside tourism area
• Death during trekking activity

Emergency condition is defined as a life-threatening situation requiring immediate medical attention.

Permanent Disability Compensation Details

Permanent Total Disability (100%)

Applies if the insured permanently loses function of:

• Both hands
• Both feet
• Both eyes
• One hand & one foot
• One hand & one eye
• One foot & one eye

Maximum payout: 100% of insured benefit (SA).

Permanent Partial Disability (Percentage of SA)

• Right arm (from shoulder): 70%
• Left arm (from shoulder): 56%
• Right hand (from elbow): 65%
• Left hand (from elbow): 52%
• Right hand (from wrist): 60%
• Left hand (from wrist): 50%
• One eye vision: 50%
• Both ears hearing: 50%
• One ear hearing: 15%
• One leg: 50%
• Right thumb: 25%
• Left thumb: 20%
• Right index finger: 15%
• Left index finger: 12%
• Right little finger: 12%
• Left little finger: 7%
• Right middle or ring finger: 6%
• Left middle or ring finger: 5%

Total compensation cannot exceed 100% of the insured amount.

Important Limitations of National Park Insurance

This policy:

• Is valid for maximum 4 days
• Applies only inside park boundaries
• Provides limited medical coverage (IDR 1.5 million max)
• Provides limited evacuation coverage (IDR 1.5 million max)
• Does NOT cover helicopter evacuation to Bali
• Does NOT cover international hospitalization
• Does NOT cover trip cancellation
• Does NOT cover repatriation

This is basic local protection only.

National Park Insurance vs International Travel Insurance

Professional preparation includes securing comprehensive coverage.

Insurance Checklist Before Traveling to Indonesia

Before your trek, ensure your insurance:

✔ Covers trekking up to 3,726 meters

✔ Includes emergency evacuation

✔ Covers volcanic terrain

✔ Covers Indonesia

✔ Includes medical & repatriation benefits

Many policies exclude “volcanic trekking” unless declared.

Authentic Rinjani Professional Safety Standards

As a first-party, legally licensed trekking operator in Lombok, we operate beyond minimum compliance.

We provide:

• Official park registration
• Licensed mountain guides
• First-aid trained team
• Structured evacuation coordination
• Responsible group management

Safety is never compromised for volume.