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Maldives Travel Insurance

A Quick Guide on Travel Insurance for Maldives


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    Your premium is Rs.

    Above Premium includes 18% GST



    Claim Settlement Ratio (OND 2018)


    7800 +

    Network Hospitals across 500 cities


    400 Lacs+

    lives covered

    About Maldives Travel Insurance

    Travel Insurance for Maldives - The Maldives archipelago is a paradise for those in quest of an exciting and luxurious vacation. Surrounded by the crystal clear waters, Maldives is an island country located in the Arabian Sea of the Indian Ocean. The picturesque and serene location is known for its breath-taking geographical features comprising sandy beaches, lush vegetation, lagoons, coral reefs, and atolls. Visit the land that offers unlimited opportunities for adventurers and plenty of attractions for avid travelers.

    As you set your vacation plans, make sure you also have the backing of a Maldives Travel Insurance plan that will protect you financially in case of any medical or non-medical exigency.

    Is Maldives Travel Insurance Mandatory?

    Although the Government of Maldives has not made Maldives travel Insurance a mandatory requirement for travelers, yet, having one such policy will prove beneficial during emergencies. Flight cancellations, sudden illness, loss of valuables/luggage - these are situations that may not be under our control. Thus, it is better to safeguard oneself before embarking on an international trip.

    Quick Facts About Maldives



    Official Languages



    Maldivian Rufiyaa

    Country calling code


    Modes of transportation

    Seaplane, Maldivian Boat (Dhoni), Speedboats, Taxi, Bus, Cycle

    Time difference

    30 Minutes Behind Indian Standard Time

    International Airports

    Male International Airport, Gan International Airport, Hanimaadhoo International Airport, Maafaru International Airport

    What is Covered in Maldives Travel Insurance Plan?

    Here we have listed all the Medical and Non-medical benefits covered in Maldives Travel insurance policy.

    • Emergency Hospitalization: Complete cover for hospitalization, IPD, and OPD costs
    • Accidental Hospitalization: Double sum insured in case of accidental hospitalization
    • Pre-existing disease cover: Treatment of pre-existing diseases will be covered

    Maldives Travel Insurance will also provide coverage for other medical emergencies, including medical evacuation, treatment in one’s home country, injury-related dental expenses, personal accident, in-patient and out-patient care.

    • Loss of passport: Get specified coverage amount for loss of passport documents
    • Delay/Loss of checked-in baggage: Maldives Travel Insurance covers expenses incurred due to delay or loss of checked-in baggage
    • Trip delays/cancellation/interruption: Expenses for trip delay, cancellation or interruption will be covered

    Maldives Travel Insurance Plan also covers other expenditures due to non-medical exigencies such as up-gradation to business class, personal liability and return of the minor child.

    What is Not Covered in Maldives Travel Insurance Plan?

    The travel policy for Maldives does not cover expenses in case of:

    • Medical treatment for HIV/AIDS or any other transmitted disease
    • Self-inflicted injury attempted suicide or suicide
    • Hazardous activity, influence of drugs or alcohol, consequences arising due to war or nuclear perils, ionizing radiation or contamination due to the same
    • Professional services offered by the insured person
    • Involvement in business activities, ownership of any aircraft, watercraft, motor vehicle or other vehicles
    • Wrongful detention, false arrest, wrongful eviction, defamation or mental trauma and shock resulting from such situations
    • Encroachment of intellectual property rights like patent, copyright and trademark
    • Possession of animals, insects, bird and reptiles and their byproducts
    • Involvement in Breach of Law
    • Personal liability towards another individual, whether personal, official or commercial

    Benefits of Maldives Travel Insurance Plan

    • Ensures comfortable trip: Whether on vacation with family, especially senior citizens, or travelling for pursuing studies abroad, the travel policy will offer you convenience and financial comfort. 
    • Multi-trip policy: You can get a multi-trip travel policy if you frequently travel to the country. 
    • Destination-specific coverage: The Maldives Travel Insurance plan is specifically designed to cover you for the destination.  
    • Cashless Claim settlement: There is a cashless claim facility with the travel insurance plan. 
    • Protection in Medical Emergency: The medical expenses incurred by the insured during an emergency or accidental hospitalization will be covered.
    • Covers loss of belongings: Non-medical expenses will be covered, e.g., loss of travel documents like passport or checked-in baggage.
    • Coverage for Mishaps: The policy covers the policyholder in case of mishaps, such as accidental death, disability, and repatriation in case of death. 

    Travel Insurance Maldives - Claim Process & Procedure

    Timely filing of the travel insurance claim is essential to avoid any hassle. For availing of the policy benefits, you should be aware of the claims procedures.

    • In an emergency hospitalization, notify us on the number given in the policy document
    • Submit the duly filled claim form along with the original bills of expenses incurred
    • After a successful review of the case by our claim management team, your claim will be processed, subject to the policy terms and conditions. 

    Eligibility for Maldives Travel Insurance

    All international travelers planning to visit the Maldives can avail the travel insurance policy for the Maldives. Under the single trip plan, the minimum age of an insured person is 1 day. The maximum entry age is as specified in the plan. Please refer the policy documents.

    Insurance Premium for Maldives Travel Insurance

    The premium you are required to pay under your travel insurance policy depends on various factors such as your age, the destination you are traveling to, the duration of your trip and the type of coverage selected.

    Types of Maldives Visas

    • Tourist Visa: Visitors traveling to Maldives for tourism purposes must apply for a tourist visa. International travelers can avail visa on arrival which is valid for a period of 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 country should apply for Student Visa. The eligibility criteria specify that the applicant should have a guardian in Maldives.
    • Business Visa: Those who are 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 wife, husband, and children of a work permit holder can apply for Dependent Visa.

    Visa Procedure for Maldives

    For visiting Maldives, Indian tourists do not need to obtain a visa before the start of their journey. The Government of Maldives provides on-arrival visas that can be obtained from the immigration officials at the airport.

    Step 1: Fill the Maldives Tourist Form with relevant details

    Step 2: Submit the form along with 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 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

    A Guide For Your Maldives Travel

    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. 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, as well as 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.

    >> Check: Overseas travel insurance plan

    Top Places to Visit in the Maldives

    Maldives, officially known as the Republic of Maldives, is a South Asian country that comprises of 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 snorkeling, surfing, diving and parasailing. The calming waters and serenity of Maldives is bound to attract not just solo travelers but also honeymooners and everyone who come to visit this beautiful island nation.

    • Banana Reef: Spot the impressive coral growths along with the majestic caves and cliffs at this location. Visit Banana Reef, one of the 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 man-made beach in the country and attracts tourists from across the globe.
    • Hulhumale: Take a tour around the 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 deep history of the country at this first national museum built-in 1952. It is situated near Sultan Park, a sprawling public park with lush greenery.

    Safety Measures to Follow for Indian Tourists in Maldives

    While you are busy exploring the beauty of this picturesque land, your safety and that of your loved ones should be a priority. Although the country is safe for travellers, visitors in the Maldives should follow some vital safety measures, as mentioned below, for a safe trip:

    • Although the Maldives experienced the Tsunami in 2004, it is not located on a fault. Earthquake hazards are low. Also, the country may witness strong winds and storms, especially in the rainy season. Hence, travellers should keep a watch on the weather alerts. 
    • When visiting the Maldives, overseas travel insurance proves beneficial in case of trip delays, interruptions, or cancellations. It also safeguards you in case of a medical emergency. 
    • The Maldives may be prone to strong winds and storms, especially in the rainy season. So, tourists should follow safety measures and travel advisories.
    • Before visiting the country, you should read about the diseases prevalent in the area and take suitable precautions. Tourists should get routine vaccinations for common diseases, such as typhoid, cholera, and Hepatitis A and B.
    • The crime rates are low. Yet, it is always advisable to secure your personal belongings when moving in busy tourist spots.
    • Take suitable precautions and follow the instructions when travelling in boats or seaplanes.
    • Being aware of the local laws and etiquette will help prevent inconveniences. One should adhere to the rules and respect the religious customs to avoid inviting fines.
    • One should be careful when shopping for souvenirs. Buying corals or tortoise shells or their export is prohibited in the Maldives.


    Are deductibles applicable on the Maldives travel insurance policy?

    There is a deductible applicable in the travel insurance plan 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.

    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. 

    Will I need to purchase a separate travel insurance policy for my spouse if we are travelling 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 spouse, dependent children (who have not attained age 25 years), and parents.

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