Most travellers already have insurance and anyone travelling without it is an idiot. You will find a lot of airlines offer some kind of insurance albeit a bit suss. The latest airline to offer customers travel insurance is Air Asia. I prefer to get my own insurance, thanks!.
The title speaks for itself. If you can afford to travel, not only to Indonesia but anywhere in the world, then you can afford travel insurance. You would be stunned at the statistics of people that travel to Bali or the rest of Indonesia in fact that are not covered by travel insurance.
I am almost over a bad bout of gastroenteritis and about 70% fit, subsequently the reason for a lack of postings. If you are in Bali then it would be called the Bali belly, and if you were in Delhi, India, then it is the dreaded Delhi Belly.