Travel Insurance for Maldives

Maldives Travel Insurance

The Maldives archipelago is a paradise for those in quest of an exciting and luxurious vacation. Surrounded by 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 primary 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 the 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 proper 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. 

Go through this informative page to acquire Maldives travel guide and detailed information about travel insurance for Maldives.

Is Maldives Visa mandatory for Indians?

To enter Maldives the Indian nationals visiting Maldives as tourists do not require any pre-arrival visa. A free Maldives Tourist Visa which is valid for approximately ninety days is issued to Indian nationals on arriving at the Male airport.

Should I buy Travel Insurance for Maldives?

Although the Government of Maldives has not made Maldives travel insurance mandatory for travellers, having one such policy will prove beneficial during medical emergencies. Trip 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.

Buying a Maldives travel insurance policy ensures monetary safety against unexpected sickness, loss of baggage, loss of passports and other such personal liabilities. Even though Maldives has good healthcare systems, it certainly comes with a price that not everybody can afford. Whether you are in Maldives for leisure time, work, or education, travel insurance for Maldives from India covers your travel risks.

Always opt for the best travel Insurance for Maldives from India to be safe in a different country among different people.

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.
• 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 does Maldives Travel Insurance Plan cover?

We offer comprehensive travel insurance policies. Below is what all we covered under Maldives travel insurance:

• Emergency hospitalization: In case you find yourself in a medical emergency requiring hospitalisation, the Maldives travel insurance plan will provide you with complete cover encompassing IPD and OPD expenses.
• COVID-19 Coverage: Our travel insurance plans also cover hospitalization in a foreign country due to coronavirus.
• Personal Accident: We will compensate up to 100% of the sum insured in the event of the death. Permanent Total Disability is also covered up to 100% depending on the injury.
• Pre-existing diseases: Under Maldives Travel Insurance Plan treatment for pre-existing diseases is also covered in case of life-threatening condition.
• Treatment in home country: In case you require further treatment in your home country, there is coverage for expenses for up to 30 days or up to the policy end date, whichever is earlier.
• Medical Evacuation: Get cover during an emergency when there is a need for medical evacuation to the home country.
• Common Carrier Accidental Death: A lump sum amount as compensation will be paid if the insured person loses his/her life while traveling in a common carrier/ public transport.
• Trip delay, cancellation, or interruption: You will get compensation for the trip delayed, cancellation, or interruption up to the sum insured and subject to policy terms and conditions.
• Loss of passport and checked-in baggage: Get coverage for loss of checked-in baggage or delay of checked-in baggage. In case of loss of passport, the plan offers a fixed amount to obtain its new or duplicate copy.
• Up-gradation to Business Class: For a comfortable journey, if you require an up-gradation to business class, you will receive coverage under the Maldives travel insurance policy.

Under international travel insurance, you are also eligible for personal liability cover and coverage for the return of the minor child.

What does Maldives Travel Insurance Plan not cover?

It is beneficial to check the exclusions of the travel insurance policy. Some of the exclusions are given below:

• Medical treatment that has been taken outside the Country of Residence if that is the sole reason or one of the reasons for the journey.
• Any Treatment, which could reasonably be delayed until the insured person's return to the country of residence.
• Any dental treatment or surgery unless necessitated due to an injury.
• Circumcision unless necessary for the treatment of an illness or as may be necessitated due to an accident.
• Treatment of any Congenital Anomaly or illness or defects or anomalies or treatment relating to congenital disabilities.
• Hormone replacement therapy.
• Weight management services and treatment, vitamins, and tonics related to weight control programs, services, and supplies, including treatment of obesity (including morbid obesity).

* Treatment expenses that occurred due to adventure sports, hazardous activity and the influence of drugs or alcohol will not be covered.

Covid-19 guidelines for 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 to not travel without being fully vaccinated wherever you go. All passengers entering 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.

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 know the below claims procedure:

• Notification of Claim
• Documents to be Submitted

Notification of Claim                                       

For claim, you should notify us immediately by calling on any of our toll-free numbers with the following details:

1. Policy Number
2. Policyholder's Name
3. Name of the Insured Person in respect of whom the claim is being made
4. Nature of illness or injury or contingency for which claim is being made
5. Date of admission to Hospital or date of loss
6. Name and address of the attending Medical Practitioner and Hospital(if applicable)
7. Any other information, documentation, or details requested by the Company or the Assistance Service Provider

Cashless Process

If you want to avail of a cashless hospitalization facility, take care of the below points:

• The cashless facility is available only at the network providers for in-patient care
• For availing of the cashless facility, kindly call our customer support team
• You need to request the cashless facility in a prescribed format
• We may authorize your request, and after that, you do not need to pay for the hospital bills, except for the non-medical expenses.

Reimbursement Process

For reimbursement, you need to send us the required documents. Our claim management team examines the documents and will process your claim accordingly.

Documents to be Submitted

You need to submit the documents for reimbursement depending on the benefit. For hospitalization expenses below documents are required:

• Claim form(filled and signed by the insured)
• Release of Medical Information Form
• Original Pathological and diagnostic reports, discharge summary, indoor case papers, and a prescription issued by the treating Medical Practitioner
• Passport and Visa copy with Entry Stamp of the Country of Visit and exit Stamp from India
• Original bills and receipts

For more details, please check the sales prospectus.

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 Travel Health Insurance

The premium you are required to pay under your travel insurance policy depends on factors like your age, the destination you are travelling 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 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 travelling to Maldives for tourism purposes must apply for a tourist visa. International travellers can avail 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 country should apply for Student Visa. The eligibility criteria specify that the applicant should have a guardian in 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 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 starting 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 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 Maldives. However, for extending the visa, Indian nationals must pay INR 3,045.

Details of Maldives Visa Application Centers in India

Why Should you Opt for Maldives Travel Insurance?

Regardless of where you go, always make sure that you have acquired travel insurance before getting aboard. Over the years, travel insurance has become a mandate for travellers to be safe from any calamity. Therefore, one should always opt for Maldives travel insurance. It is always necessary to take precautions beforehand while going overseas, and it is always essential to opt for good travel insurance to protect during any uncertain event. But, treatment expenses that occurred due to adventure sports, hazardous activity and the influence of drugs or alcohol will not be covered.

Good travel insurance helps you cover even when your luggage is misplaced or stolen. Calamity could be referred to as an event resulting in significant loss and misfortune, so considering travel insurance is the wisest thing you can do to be stress-free.

Following are a few more reasons to buy Maldives Travel Insurance-

• Plans are designed so that frequent travellers don't have to face any discomfort in case of any emergency.
• If you are travelling overseas, you always need medical protection to pay for any medical emergency.
• If suffer any loss related to trip cancellation, good travel insurance will help you cover your expenses.
• There have been times when travellers lose their belongings and important documents during the trip; travel insurance companies also cover that loss.

Why choose Care for Maldives Travel Insurance?

Care Health Insurance is known for its unparalleled services with commendable results over the years. If you plan to travel overseas, make sure you consider a company that gives you assured services on travel insurance plans. It is essential to understand the benefits you are provided. We pay additional travel and accommodation expenses (similar standard and class as original) after deducting (if any) when your overseas trip is unavoidably curtailed (cutting short by early return to India) after the commencement of the Period of Insurance.

Following are a few more benefits if you are travelling internationally with our travel insurance-

• We offer region specific plans to keep you at ease.
• Our travel insurance plans help you with Out-patient and In-patient treatmnent.
• Settlement of the loss of passport and check-in baggage while travelling.
• Settlement of the monetary losses incurred due to delayed trip, cancellation and interruption.
• We provide coverage for Pre-existing diseases for Life Threatening Conditions under Hospitalization Expenses up to the limits mentioned in the Policy schedule.

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. 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.

• 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 artificial 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 artefacts 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.

Buying health insurance for visitors to Maldives will allow you to experience these beautiful destinations without any burden of extra expenses on any health related issues you may or may not suffer.

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.

During pandemic times it is always necessary to understand the importance of covid protection while you are travelling overseas. Care Health Insurance also offers comprehensive covid care plans along with your travel insurance to keep you armoured while you are on the go.