Maldives Travel Insurance

Maldives Travel Insurance

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. It is a picturesque travel destination that offers unlimited opportunities for adventurers and plenty of attractions for avid travellers. However, there are risks of diseases in any country you visit. Travellers must also know the vaccinations required before they visit the country. 

Health is the main concern for travellers. Considering that one visit to a hospital on your foreign trip can ruin your entire travel budget, an international travel insurance cover for Maldives comes to your rescue by giving financial protection for emergency hospitalization, medical evacuation, and even for personal accidents.

Further, travelling brings along some risks, and we cannot rule out the possibilities of trip delays or losing documents and checked-in baggage. Here is when a travel plan helps you by giving the required assistance and coverage.

For safeguarding your trip against unforeseen emergencies, it is advisable to choose a destination-specific international travel insurance plan that will give you the right financial support to manage any situation. Thus, as you set your vacation plans to this enchanting land, make sure you also have the backing of Maldives Travel Insurance that will protect you financially. 

Is Travel Insurance for Maldives 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

Benefits of Maldives Travel Insurance Plan

• Comfort: Having a Maldives travel insurance cover for your overseas trip will give you financial comfort and save you, especially senior citizens and students, from the stress of travelling.
• Protection in Medical Emergency: The policy provides coverage for emergency medical expenses and helps you get immediate medical attention, including medical evacuation.
• Compensation in case of Mishaps: The plan offers compensation to the nominee in case of uncertain death of the insured person.
• Covers you in other Contingencies: Trip delays and loss of belongings and documentation will be taken care of under the Maldives travel insurance plan. 
• Multi-Trip Policy: If you frequently travel to the country, you can get the multi-trip travel policy.
• Cashless Claim Settlement: You can apply for the cashless claim facility.
• Region-specific Plans: Our region-specific international travel insurance plans are customized plans that give you an adequate sum insured and keep you relaxed about your travel risks.

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

Travel Insurance for Maldives 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 commercia

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

The eligibility* criteria for an international travel insurance plan will depend on the type of plan you have chosen for your trip. Check the eligibility below: 

*Please refer to the policy documents

Premium for Maldives Health 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 sum insured, pre-existing medical conditions, the duration of your trip, and the type of coverage selected. Using a travel insurance premium calculator makes it easy for you to compare different premium amounts and customize your options to help you pick an affordable travel policy.

For example, a solo traveller, male, 30 years of age with no pre-existing medical condition, decides to go on an overseas 1-month trip to Maldives. He opts for a single-trip travel insurance for Maldives. The average premium* he would pay is around Rs 977, including GST @ 18%. 

*T&C applied. The amount may vary based on age and other factors. 

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

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.

FAQs

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. 

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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