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Maldives Travel Insurance

Travel Insurance for Maldives

  • Region Specific Plan to suit your need
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  • Double Sum Insured in case of Hospitalization due to Accident
  • Stay Safe and Travel Worry-free with Our International Plans
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Make the Best of Maldives Trip with the Perfect Travel Insurance

The Maldives is a paradise for those in quest of an exciting and luxurious vacation. Surrounded by crystal clear waters, Maldives is an independent island country located in the Arabian Sea of the Indian Ocean. It is a picturesque travel destination that offers unlimited adventurers and plenty of attractions for tourists. . As a fact, Indian tourists make up around 23% of the tourist visitors in the Maldives.

Whether you are travelling solo, with your spouse, family, or co-workers, a trip to the Maldives needs detailed planning from itinerary to bookings and, most importantly, healthcare. The last thing you would expect on your Maldives trip is a medical emergency, yet injuries or illnesses can hit anyone, anywhere. That’s why getting a travel insurance plan for the Maldives should be your first priority. A travel cover eliminates monetary losses during any medical and non-medical contingency, including hospitalization, trip delays, loss of baggage, and more. So, to bring back the best memories from the Maldives, get the right travel cover today.

Is Travel Insurance Mandatory for Indians Visiting Maldives?

No, it is not mandatory for Indians to get a complete travel cover for visiting the Maldives. But, it is mandatory to get health insurance covering COVID-19 treatment costs in the Maldives. Given the prevailing risk of COVID-19 and its adverse effects on overall health, it is strongly recommended to get comprehensive travel insurance that includes COVID-19 coverage for visiting the Maldives.

Also, the constant rise in medical inflation worldwide makes it essential for you to safeguard your wallet from expensive medical treatment. On top of it, the pandemic has forced many countries to revise their entry regulations by mandating travel insurance for all. Thus, you should always eliminate the risk of last-minute trip interruptions while going overseas by taking the right travel protection.

Explore Asia- Comprehensive Travel Insurance for the Maldives from India

At Care Health Insurance, we ensure your journey to the Maldives is the most comfortable one with our comprehensive travel insurance- Explore Asia covering the Maldives and other Asian countries. The policy safeguards you against unpredictable expenses arising due to medical and non-medical reasons, like hospitalization, trip delays, cancellations, loss of checked-in baggage, and even personal accidents.

Why Choose Explore Asia?

With an efficient support team and a good record of claim settlement, we promise hassle-free claim processing whenever you need us in a foreign land. Whether you are a leisure traveller or on a business tour, the comprehensive coverage of our Maldives travel plan meets the need of everyone from young to old. Below are the major reasons why your trip to the island country is incomplete without our travel insurance for the Maldives-

  • Rising Medical Inflation: With the rising coronavirus threat and medical inflation worldwide, it is difficult to afford healthcare services in the Maldives.
  • Saves the Trip: An emergency hospitalization can upset your travel budget and leave you in a state of anxiety. A travel cover will cover such medical expenses and help lower your stress.
  • Essential for Senior Citizens: Moving to an island nation can be difficult for senior citizens and children, for they are more vulnerable to jet lag, nausea, infection, allergies, and stroke.
That’s why protecting your health and wallet is the first toward planning the Maldives trip right. Read on to know how Care Health Insurance helps you do so.

Unique Features of Maldives Travel Cover by Care Health Insurance

Always select an enhanced travel cover packed with the following features:

  • Affordable Premium: While securing your health, don’t worry about the expenses as we offer an affordable premium to save you more on your Maldives tour.
  • Automatic Extension of Trip: During chronic hospitalization, natural calamity, and unfortunate events, we automatically extend the coverage up to 7 consecutive days.
  • Cashless Claim Processing: Our cashless claims team is just a call away, promising hassle-free settlement for emergencies treated at our wide network of healthcare providers.
  • A Comprehensive Health Shield: The policy offers extensive coverage from medical to non-medical expenses, including hospitalization, moss of passport, checked-in baggage, and more.
  • Valuable Add-on Benefits: When it comes to customizing your travel cover, you can do so easily with our optional benefits like PED coverage, refund of visa fees, etc.

Maldives Travel Insurance Plan at a Glance

Description Explore Asia
Sum Insured US $ 10K, 25K, 50K & 100K (Vary according to the premium)

Trip Options

  • Single Trip
  • Multi-trip (Policy will be on an annual basis)



Entry Age (Single Trip)

Child- 1Day
Adult- 18 Years

Child- 24 Years
Adult- Lifelong

Entry Age (Multi-trip)

Child- 1Day
Adult- 18 Years

Child- 24 Years
Adult- Lifelong

*Family option is only available on Single Trip Policies.

What is Covered under Travel Insurance for the Maldives?

The last thing you expect in the Maldives is a health emergency that can ruin the entire journey. Whether you are travelling with your partner, family, or colleagues, ensuring complete coverage is important. For helping you do so, we provide the below-mentioned comprehensive coverage under the Explore Asia plan:

  • Emergency Hospitalization: Under hospitalization expenses, the policy offers in-patient and out-patient care expenses up to the sum insured with minimum sub-limits.

  • Daily Allowance: For the additional, everyday hospital expenses, the policy reimburses a specified amount for up to 5 consecutive days as per policy terms.

  • Compassionate Visit: If the insured members is hospitalized abroad, we help a family member support them by reimbursing airfare costs as per policy terms.

  • Personal Accident: In the unfortunate event of the insured’s death or total disability, the policy provides a lump sum payout up to the sum insured.

  • COVID-19 Coverage: Contracting COVID-19 in the Maldives should not worry you, as we offer standard COVID treatment expenses as per policy terms.

  • Trip Delay & Cancellation: Don’t panic during trip delays, interruptions, or cancellations, as we provide coverage for these contingencies subject to policy terms.

  • Delay & Loss of Checked-in Baggage: The policy covers one of the most common problems faced during travel–the loss or delay in checked-in baggage–with a specified amount.

  • Loss of Passport & Internation DL: No more fear of losing your passport or international driving license en route, as we cover these issues with a fixed amount per policy.

Exclusions under Maldives Travel Cover Policy

Maldives travel policy does not offer coverage in the following scenarios:

  • Drug Misuse: Expenses arising out of or attributable to alcohol or drug use/misuse/abuse by the insured members during the course of the trip.

  • World War: Any medical or non-medical expenses arising out of national or international war or nuclear perils or consequences thereof.

  • Self-inflicted Injury: Any intentional self-injury, suicide attempt, or any other form of harm to self leading to hospitalization or death shall not be covered.

  • Hazardous Activities: Any claims relating to hazardous activities like fire stunts, etc., otherwise not mentioned in the policy documents.

  • Breach of Law: Any liability or injury expenses arising out of any breach of law or particular regulations set by the destination country.

  • Dental Treatment: The policy will not cover the expenses of any planned dental treatment or surgery unless necessitated due to any acute pain.

Note: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

How Much does Maldives Travel Plan Cost?

If you are reluctant to buy a travel cover, thinking that it might not fit into your budget, then it’s time you check the cost at the Care Health Insurance portal. The cost of travel health insurance for the Maldives depends on several factors, including the traveller’s age, trip duration, destination, insured person’s health condition, and the type of coverage selected. At Care Health Insurance, we promise budget-friendly Maldives travel insurance, with premium starting from as low as INR 420* for a single traveller on a week-long journey.

Insured Member(s) Age Any Pre-existing Disease Sum Insured Policy Duration Premium Amount (approx.)
1 30 years No $50, 000 10 Days Rs. 428*

*The above-mentioned insurance premium is calculated subject to no pre-existing medical conditions suffered by the insured. Also, the premium amount is subject to change if the insured person has already claimed any travel policy before.

You can calculate the premium amount for the Maldives travel cover in these five easy steps:

  • Step 1: Enter your contact information, including your mobile number, name, and email address, followed by the age of all the members to be insured.
  • Step 2: Click ‘Next’ and select your travel destinations and travel date. Your policy period will be the same as the number of your travel days.
  • Step 3: Check in the toggle if the insured members are dealing with any pre-existing medical conditions.
  • Step 4: Choose the Sum Insured. Care Travel Health Insurance provides two sum insured options: US $ 10K, 25K, 50K & 100K.
  • Step 5: Check your calculated premium and click ‘Buy Now’ to proceed.

Please note: The premium cost may vary subject to several factors, including the number of travelers, their age, destination country/countries, trip duration, and the type of coverage selected.

Things to Know Before Choosing the Right Travel Insurance Plan for the Maldives

Making the right choice of travel cover for the Maldives can be confusing, given the many options available. At Care Health Insurance, we help you pick the right one with the following tips:

  • Frequency of Trip: If you’re travelling only once, a single-trip visa should suffice. For multiple trips, it is better to opt for a multi-year policy with year-long coverage.
  • Trip Duration: The insurance premium amount is based on the number of days you plan to spend in the Maldives. The shorter the trip, the lower will be the premium.
  • Medical History: Make sure to check whether your policy provides an option to cover pre-existing diseases like diabetes, hypertension, etc.
  • High-Risk Zones: High-risk zones and destinations involve a higher premium. Also, check if the travel policy covers medical expenses incurred due to adventure sports.
  • Check the Exclusion: While inclusions can amaze you, exclusions can surprise you- often at a cost. So, check the plan’s exclusion list carefully.

How to File a Claim under the Maldives Travel Policy

claim process claim process

Does the Maldives Allow Visa-free Entry for Indians?

Yes, Indians do not require a pre-approval visa for the Maldives as the island offers a visa-on-arrival facility valid for 90 days for all nationalities. Also, as an Indian tourist in the Maldives, you are required to present important documents on arrival, including a valid Passport, accommodation booking, and evidence of adequate funds to support the stay. However, people visiting the Maldives on an Employment visa involve a fee that will be borne by the employer in the Maldives.

Covid-19 Guidelines for the Maldives for International Visitors

The regulations during Covid-19 have been strictly enforced across the world to curb the spread of the virus. It is strictly recommended not to travel without being fully vaccinated wherever you go. All passengers entering the Maldives are also required to produce negative RT-PCR results no more than 3 days before travel or documentation of recovery from covid-19 in the past 3 months.

Types of Maldives Visas

Here are the major types of visas issued for the Maldives:

  • Tourist Visa: Visitors travelling to the Maldives for tourism purposes must apply for a tourist visa. International travellers can avail of visa on arrival, which is valid for 30 days. The visa can be extended for another 60 days based on the request submitted at least 2 days prior to the expiry of a tourist visa.
  • Student Visa: Students who plan to study in the island country should apply for Student Visa. The eligibility criteria specify that the applicant should have a guardian in the Maldives.
  • Business Visa: Those visiting Maldives for business purposes must seek approval from the concerned Maldives government authority and then apply for Business Visa.
  • Dependent Visa: Immediate family members like the wife, husband, and children of a work permit holder can apply for Dependent Visa.

Visa Procedure for the Maldives

For visiting the Maldives, Indian tourists do not need to obtain a visa before starting their journey. The Government of Maldives provides on-arrival visas that can be obtained from the immigration officials at the airport. Below are the steps to follow for acquiring a tourist visa:

Step 1: Fill out the Maldives Tourist Form with relevant details.

Step 2: Submit the form along with the required legal documents.

Step 3: Complete the short interview taken by Immigration officials.

The essential documents required for obtaining the visa entail:

  • Official passport with validity of over 6 months.
  • Coloured passport-sized photographs as per prescribed specifications.
  • Copies of booking confirmation for hotel or accommodation.
  • Confirmed return/ onward ticket from Maldives.
  • Proof of funds to cover expenses during your stay in the country.

There are no charges for on-arrival visas for the Maldives. However, for extending the visa, Indian nationals must pay INR 3,045.

Details of Maldives Visa Application Centers in India

The Embassy of Republic of Maldives Address: C-31, Anand Niketan, New Delhi, Delhi - 110021 Telephone: +91 - 11 - 4143 5701
The Consulate of Maldives, Trivandrum Address: Lavanya, TC No. 16/3176, Kumarapuram Pattom Road, Thiruvananthapuram, Kerala - 695011

Quick Facts About Maldives

Capital Malé
Official Languages Dhivehi
Currency Maldivian Rufiyaa
Modes of transportation Seaplane, Maldivian Boat (Dhoni), Speedboats, Taxi, Bus, Cycle
International Airports Male International Airport, Gan International Airport, Hanimaadhoo International Airport, Maafaru International Airport

Maldives Travel Guide

The ideal time for visiting the Maldives is between April to September, when the weather is pleasant with mild sunshine and only light rains. The October-November period is the time for winter monsoons. Also, here are some other tips to follow for a safe trip-

  • Try not to plan your trip during the holy month of Ramadan, as many shops and services are likely to be closed.
  • Avoid packing alcohol or tobacco products or any religious books when visiting the Maldives.
  • The country is known for its conservative culture. At certain places, you are not allowed to wear skin-tight clothes or bikinis.
  • Opt for speedboat or seaplane rides for movement between the islands that are much more affordable than any other mode of transportation.
  • For transactions, you can also opt for the national currency, Rufiyaa, and US Dollar, which is widely accepted in the country. Remember to carry cash for local purchases.
  • Water-resistant gadgets will be your best bet to ensure you do not miss out on the fun when exploring the blue waters.

Best Tourist Places to visit in the Maldives

Maldives, officially known as the Republic of Maldives, is a South Asian country comprising 1,192 coral islands. The sparkling blue waters with rich aquatic life, impeccable beaches, and high-end resorts create the perfect setting for a beachside vacation. Let go of your fears and indulge in a range of water sports like snorkelling, surfing, diving, and parasailing. Maldives' calming waters and serenity are bound to attract solo travellers, honeymooners, and everyone who comes to visit this beautiful island nation. Here are some must-visit places in the Maldives-

  • Banana Reef: Spot the impressive coral growths along with the majestic caves and cliffs at this location. Visit Banana Reef, one of the most popular dive sites in the world, to witness the world below the surface of the water.
  • Artificial Beach: Go swimming or simply enjoy the tropical surroundings by spending a day at the Artificial Beach in Male. It is the only artificial beach in the country and attracts tourists from across the globe.
  • Hulhumale: Take a tour around Hulhumale Island to witness its scenic beauty, expansive beaches, and Palm trees. The location is also famous for the presence of the Hulhumalé Mosque.
  • Male Local Market: The bustling local market in Male is a shopping paradise for tourists. You will find a variety of products, including souvenirs for friends.
  • National Museum: Find artifacts and relics reflecting the country's deep history at this first national museum, built-in 1952. It is situated near Sultan Park, a sprawling public park with lush greenery.

So, if your next travel destination is the Maldives, don’t forget to keep these tips handy while securing your journey with the right travel cover. Buying a travel insurance plan for your Maldives trip will allow you to experience these beautiful destinations without any extra burden of health issues and related expenses. Connect with Care Health Insurance to get started with your Maldives travel insurance today.

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FAQs Maldives Travel Insurance

Q.Are deductibles applicable on the Maldives travel insurance policy?

There is a deductible applicable in the travel insurance for Maldives. It refers to the specified amount a policyholder has to bear from the pocket. We will cover the expenses incurred above the deductible. Please refer to the policy T&C.

Q.Will my Maldives travel insurance provide coverage if I require emergency evacuation during the trip?

Yes. If the insured requires emergency medical evacuation for moving to the nearest hospital to get medical care, the Maldives Travel Insurance policy will provide coverage, subject to the policy T&C.

Q.Will I need to purchase a separate travel insurance policy for my spouse if we travel to Maldives together for a week?

You can avail of the family cover option when selecting the travel insurance for Maldives. It will cover you and your immediate family members, including your spouse, dependent children (who have not attained age 25 years), and parents.


^^Number of Cashless Healthcare Providers as of 30th June 2023

**Number of Claims Settled as of 31st May 2023

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