for your guest I checked with our friends and it is much dearer in Bali, so just go to call one in Oz and get a quote, it only cost usASD80.00 for Novi, like us travelling o/s we are not covered by other countries health systems and because we sponsor our guests we are responsible for medical costs, so I definately think well worth the peace of mind, I was ignorant of this requirement and are forever grateful for the valuable info given to me from this forum.
cheers