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Maldives Travel Insurance

Travel Insurance for Maldives

To make your trip to Maldives a happy experience, you may have to plan everything in great detail. While packing light and smart can save you from travel hassles, having Maldives travel insurance can save you from a financial burden that may come unannounced during the trip. Ideal travel insurance that you bring along must offer coverage for:

  • Expenses of hospitalisation & pre-existing medical conditions
  • Situations demanding emergency evacuation
  • Conditions such as trip cancellation, trip delays
  • Expenses incurred due to loss of baggage/ passport/ valuables
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Ensure a Worry-free Maldives Trip with Travel Insurance Online

The Maldives is a paradise for those seeking 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 offering unlimited adventurers and plenty of tourist attractions. As a fact, Indian tourists make up around 23% of the tourist visitors in the Maldives.

However, did you know that, as per the World Health Organization, the Maldives have been facing disease outbreaks due to global warming? The tidal waves contaminate the groundwater, posing severe health risks to residents and tourists alike!

Fret not! Don’t let this information hinder your travel plans! Whether you travel solo, with your spouse, family, or co-workers, planning ahead of medical (or non-medical) emergencies shall help you enjoy a worry-free vacation.

Here’s when travel insurance for International trips should come into play. A travel cover eliminates monetary losses during any medical and non-medical contingency, including hospitalisation, trip delays, loss of baggage, and more. So, get the right travel cover today to bring back only good memories from the Maldives.

When Can Travel Insurance for Maldives be Helpful?

Whether travelling to the Maldives solo or with your loved ones, having financial cover to save your trip budget from unforeseen incidents can help immensely! Here are a few situations where having Maldives travel insurance can help.

  • Expensive Medical Facilities: Getting hospitalised is the last thing you may plan for when travelling to Maldives; however, if you face a medical emergency, travel insurance for international journies can help you incur the unforeseen costs you may encounter.
  • Loss of Belongings: Losing your belongings to the airport authority or theft can be an experience you didn’t sign up for! Sensing the financial stress of such circumstances, travel insurance for the Maldives from India backs you up under set conditions.
  • Trip Interruption: Whether you cut your Maldives trip short or cancel it altogether due to an unprecedented medical emergency, Maldives travel insurance with trip cancellation benefit can be your finance!
  • Travelling with Pre-existing Medical Conditions:You may be prone to several health issues if you travel overseas with a pre-existing condition. In most cases, these conditions may get worse and become life-threatening. While we hope such medical crises do not spoil your trip, online travel insurance can ensure specified coverage if you end up in life-threatening conditions due to PED.

Is Travel Insurance Mandatory for Indians Visiting Maldives?

No, Indians don't need to get complete travel coverage to visit the Maldives. However, given the prevailing risks of health hazards and several non-medical emergencies, it is strongly recommended to get international travel insurance when visiting the Maldives.

Also, the constant rise in medical inflation worldwide makes safeguarding your wallet from expensive medical treatment essential. On top of it, several trip hiccups, such as loss of baggage, trip cancellation, interruptions, theft, etc, are prone when you travel overseas. Thus, you should eliminate the risk of financial derailment while travelling overseas by taking the proper travel Insurance.

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 hospitalisation, natural calamity, and unfortunate events, we automatically extend the coverage for 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 vast network of healthcare providers.
  • A Comprehensive Health Shield:The policy offers extensive coverage from medical to non-medical expenses, including hospitalisation, moss of passport, checked-in baggage, and more.
  • Valuable Add-on Benefits:You can customise your travel cover 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)

Yes

Yes

Entry Age (Single Trip)

Minimum
Child- 1Day
Adult- 18 Years

Maximum
Child- 24 Years
Adult- Lifelong

Entry Age (Multi-trip)

Minimum
Child- 1Day
Adult- 18 Years

Maximum
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. Ensuring complete coverage is important whether you are travelling with your partner, family, or colleagues. To help you do so, we provide the below-mentioned comprehensive coverage under the Explore Asia plan:

  • Emergency Hospitalization: Under hospitalisation 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 member is hospitalised 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 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 Insurance

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 trip.

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

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

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

  • Breach of Law:Any liability or injury expenses arising from any violation 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 claims underwriting are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

What is The Premium of Maldives Travel Insurance Online?

If you are reluctant to buy a travel cover, thinking it might not fit your budget, then it’s time to check the cost using the travel insurance premium calculator 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 premiums starting from as low as INR 564* for a single traveller on a 10-day 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. 564*

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

Things to Consider While Choosing Maldives Travel Insurance

Whether you are a once-in-a-while traveller or someone who takes multiple international trips during the year, mentioned below are a few things you should consider while choosing international travel insurance plan:

  • Frequency of Trip: Suppose if you are planning to take multiple trips in the coming year say for Maldives and Dubai. Then, rather than choosing individual Dubai travel insurance and Maldives travel insurance, you should opt for a multi-trip plan that covers both the trips under a single travel insurance plan.
  • Trip Duration: To get a comprehensive coverage under your Maldives travel insurance, you must understand the importance of trip duration. Trip duration is the time in which you travel to your destination country and back to your home country. While your trip duration impacts your travel insurance premium, providing the correct details is important to ensure you get complete coverage throughout the trip.
  • Medical History: If you have a pre-existing health condition, checking whether the travel health insurance provides coverage for the same is necessary. You should always opt for a plan that offers coverage to keep your finances covered in times of an emergency.
  • High-Risk Zones:High-risk zones and destinations involve a higher premium. However, coverage for the same can help you remain worry-free while enjoying your trip.
  • 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

Easy claim processing is a priority at Care Health Insurance, whether you bring in a cashless claim or reimbursement. Here are the steps on how to file a claim under Maldives Travel Insurance.

claim process claim process

Does the Maldives Allow Visa-Free Entry for Indians?

Indians do not require a pre-approved 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 must present essential documents on arrival, including a valid Passport, accommodation booking, and evidence of adequate funds to support the stay. Additionally, keep a note that people visiting the Maldives on an employment visa incur a fee that shall be borne by the employer in the Maldives.

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 a 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 two 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 a Dependent Visa.

Indian tourists do not need to obtain a visa before starting their journey to the Maldives. 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:Submit the form along with the required legal documents.

The essential documents required for obtaining the visa entail:

  • Official passport with a validity of over six 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, to extend the visa, Indian nationals must pay a designated visa fee.

Details of Maldives Visa Application Centers in India

The Embassy of the 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

  • 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 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.

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 31st March 2024

**Number of Claims Settled as of 31st March 2024

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