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Sri Lanka Travel Insurance

  • Cashless Claim Settlement
  • Region Specific Plan to suit your need
  • Business Class Up-gradation
  • Double Sum Insured in case of Hospitalization due to Accident

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    Travel Insurance for Sri Lanka

    The heart of the Indian Ocean, Sri Lanka, is an affordable travel destination for your international trip. The island country - naturally shaped as a raindrop on the globe - has many attractions consisting of mystic Buddha temples, serene beaches, stunning landscapes, lush tea plantations, and exotic wildlife. From sites that depict the authenticity of the Ramayana to the countryside that reflect the natural beauty of the land, Sri Lanka has many tourist spots to spend leisurely days and create the best travel memories.

    As you plan for a comfortable vacation, buy the best Sri Lanka travel insurance plan that will shield your travel budget from unnecessary spending during any emergency. It covers your expenses incurred due to medical exigencies like hospitalization as well as non-medical exigencies such as trip delays, delayed checked-in baggage, etc.

    Is Sri Lanka Visa for Indians mandatory?

    Yes, Sri Lanka Visa for Indians mandatory but you just need to ensure that you get the Sri Lanka ETA beforehand and also your passport should be valid for at least three months from your date of departure.

    Should I buy Travel Insurance for Sri Lanka?

    Tourists are not bound by any regulation to obtain travel insurance for visiting Sri Lanka. Yet, it is highly recommended to get one travel policy for your international journey to the country. One major reason to buy a travel insurance plan for Sri Lanka is to ensure that you are financially protected during any medical or non-medical emergency. There are exigencies like flight delays, lost luggage, sudden illness, etc., which may occur unexpectedly, leaving you in a state of anxiety and financial crunch. Sri Lanka travel insurance plan covers all the expenses you incur during this time and help you continue your international journey without worry.

    Also, if you are travelling for further studies then availing a student travel insurance also assists you in times of crisis and save you money.

    Quick Facts about Sri Lanka


    Sri Jayawardenepura Kotte

    Largest City Colombo

    Official Languages

    Sinhala and Tamil


    Sri Lankan Rupee

    Country calling code


    Modes of transportation

    Buses, Trains, Cars, Tuk Tuk and Helicopters

    Time difference

    No time difference

    International Airports

    Batticaloa International Airport, Bandaranaike International Airport, Ratmalana International Airport, Mattala Rajapaksa International Airport and Jaffna International Airport

    Benefits of Travel Insurance for Sri Lanka

    No matter what your travel purpose is, we've got you covered to make your journey joyous and stress-free. Summarizing below the benefits of opting for the best travel insurance for Sri Lanka: 

    • Comfort: Having a travel insurance cover for your trip will save you, especially senior citizens and students, from the stress of traveling.
    • Protection in Medical Emergency: The policy provides coverage to help you get immediate medical attention.
    • 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 travel plan. 
    • Multi-Trip Policy: If you are a frequent flyer, you can avail the multi-trip travel policy.
    • Cashless Claim Settlement: You can apply for the cashless claim facility.
    • Region-specific Plans: Our region-specific customized international travel insurance plans help you to relish your trip and leave all your travel worries with us.

    What does Travel Insurance for Sri Lanka cover?

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

    • Emergency hospitalization: In case you find yourselves in a medical emergency that requires hospitalization, the travel insurance plan for Sri Lanka will provide you 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% depends on the injury.
    • Pre-existing diseases: Under Sri Lanka Travel Insurance Plan treatment for pre-existing diseases is also covered in case of life-threatening condition.
    • Accidental hospitalization: Get up to 100% sum insured in case of accidental hospitalization. We also cover Accidental Death/Permanent Total Disability.
    • Pre-existing diseases: Sri Lanka Travel Insurance Plan will provide a sum insured for the treatment of a life-threatening condition for pre-existing diseases.
    • 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 up to USD 750 for loss of checked-in baggage or delay of checked-in baggage. For delay of checked-in baggage, you will get the cover for up to USD 100. In case of loss of passport, the plan offers a cover of up to USD 300.
    • Up-gradation to Business Class: For a comfortable journey, if you require an up-gradation to business class, you will receive coverage of USD 1,000 under the Sri Lanka travel insurance policy.

    Opt for the best travel insurance for Sri Lanka to ensure you travel safely in an unknown nation to give you backup in times of crisis.

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

    What does Sri Lanka 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 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 delay 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 diseases.
    • 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)

    Note: Policy benefits, features, and coverage may vary as per the plans. Please refer to brochure, sales prospects, terms & conditions carefully. 

    Why is opting Student travel Insurance helpful?

    Care Health Insurance offers comprehensive student travel insurance for Sri Lanka and ensures optimal benefits for students travelling to Sri Lanka for higher studies. Below mentioned are the points covered by student travel insurance-

    • Covers medical treatment during emergency.
    • Covers loss of passport, documents and delay/loss of baggage.
    • Covers sponsorship loss, interruption in studies, legal expenses and compassionate visits in times of crisis.

    What is the price of Sri Lanka Visa for Indian citizens?

    • Tourist Visa with double entry for 30 days- US$ 20
    • Business Visa with multiple entries for 30 days- US$ 30
    • Transit Visa with a single entry for 2 days- Free

    Why should you select Care Travel Insurance for Sri Lanka as your Insurance Partner?

    There are many options available in the market when you browse travel insurance for Sri Lanka. But, your confusion ends with Care Travel Insurance. You can trust us as your insurance partner for the below crucial reasons:

    • Offer comprehensive coverage for medical and non-medical travel risks
    • Immediate cashless hospitalization is possible under our travel policy coverage
    • Our claim process is simple and hassle-free
    • Readily support by our customer support team
    • Region-specific travel insurance plans at an affordable premium
    • Customize plans available for single or multi-trip with global acceptance
    • Buy our travel insurance online while sitting in the comfort of your home
    • Physical contactless and paperless travel insurance plan

    We ensure to offer you the best travel insurance for Sri Lanka at .affordable prices

    Documents required for Sri Lanka Travel insurance

    We want our customers should enjoy every bit of their planning for abroad. Our digital presence helps our customers to opt for customized travel insurance plans online and reduces paperwork. You need a proposal form, health declaration, and premium payment to buy travel insurance plans online in a few minutes.

    Claim Process & Procedure Travel Insurance for Sri Lanka

    To get hassle-free coverage under the travel insurance for Sri Lanka,  you need to follow these simple steps: 

    • 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 depends 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

    Note: For more details, please check the sales prospectus.

    Eligibility for Sri Lanka Travel Insurance

    Check the below eligibility criteria according to the plans:

    Travel Insurance Plans Eligibility Criteria 

    Explore - International Travel Insurance

    The minimum entry age is one day.

    The entry age of a proposer is a minimum of 18 years or above.

    The maximum entry age for an adult is as specified in the plan.

    Student Explore – Student Travel Insurance

    The minimum entry age is 12 years.

    The maximum entry age is 40 years.

    Please refer to the prospectus for more details on eligibility. 

    Premium for Sri Lanka Health Travel Insurance

    The premium for a health travel insurance plan for Sri Lanka is calculated based on different factors such as traveller's age, trip duration, the sum insured, pre-existing conditions, destination country, and type of coverage selected. A travel insurance premium calculator helps you customize your options and choose an affordable travel plan by comparing different premium amounts.

    Suppose you are a solo traveller, a male aged 30 years with no pre-existing medical condition, and chooses a single-trip Sri Lanka travel insurance plan for one month. Then your average premium* would be approx. Rs 913, including GST @ 18%.

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

    Types of Sri Lanka Visas

    • Tourist Visit Visa: International tourists visiting the country for various purposes like tourism, relaxation, meeting relatives, etc., must avail of the tourist visit visa. It can be availed for double entry and has a validity of 30 days. This type of visa can be renewed twice, with 30-day validity for each time.
    • Business Visa: Foreign nationals visiting the country for business purposes for a short time duration should avail of Business Visa. It can be availed for a single or double trip and has a validity of 30 days.
    • Residence Visa: Foreign nationals can obtain a residential facility in Sri Lanka by applying for Residence Visa. This type of visa is further categorized into Employment, Investor, Religious, Student, Family Members of Sri Lankan Nationals, etc.
    • Student Visa: Those traveling to the country for study in Sri Lanka can opt for a Student Visa, which has a validity of 5 years.
    • Transit Visa: It is an entry permit available for those traveling to another destination via Sri Lanka. It is valid for 2 days.

    Steps to Apply Visa for Sri Lanka

    Visa is mandatory for Indians while travelling to Sri Lanka. The purpose of visa usually includes tourism, transit and business. Travellers should acquire an ETA (Electronic Travel Authorization) to travel to the country. Applicants can easily avail ETA for Sri Lanka by completing ETA application online on The online application saves you times and processes your visa while you are sitting at home. Following are the steps you have to follow while applying for ETA-  

    • Select the visa and purpose of your visit.
    • Submit your application on and get the acknowledgement.
    • You will receive ETA approval on your mail mentioned by you in the application form.
    • Take a fine print out of the approval and submit it at the immigrationcounter at the Airport when required

    The visa processing time takes around 3 days after you submit your application online.

    Visa Procedure for Sri Lanka

    The documents required include:

    • Passport with validity of a minimum of 6 months
    • Scanned copy of the first and last pages of the passport
    • Confirmed return air ticket
    • Proof of confirmation of hotel

    Tourists can also apply for a visa from the Sri Lankan Embassy in home nation.

    Sri Lanka Travel Guide

    Sri Lanka is an ideal vacation destination for any time of the year. However, the period from November to April is a favorable time for many international tourists to visit the western and southern parts of the country. If you are planning to visit east and northern Sri Lanka, visit during the months from April to September. Avoid visiting during October and November, which is the monsoon season.

    When packing your essentials, do include comfortable shoes, light woolen clothing as well as trekking gear if you are visiting the central highlands. Make sure you have appropriately dressed when paying a visit to any temple or place of worship. A sarong is ideal for women travelers.

    You will get plenty of options for budget accommodation and transportation. For exploring the cities in Sri Lanka, it is best to hire a tuk-tuk that is an economical option. The fare for a day would be around 20 USD.

    Top Places to Visit in Sri Lanka

    Sri Lanka is a neighboring country of India. The presence of the Gulf of Mannar and the Palk Strait separates it from the subcontinent. Officially called the Democratic Socialist Republic of Sri Lanka, the country has been recognized amongst the 25 biodiversity hotspots worldwide. Several wildlife reserves that depict the rich flora and fauna of Sri Lanka.Adventure enthusiasts will find many locations for activities like cave treks, rock climbing, snorkelling, speed-boating, surfing, paragliding, etc. There are plenty of options for the more sober travellers, including luxury resorts, beaches, shrines, and museums. Overall, your trip to Sri Lanka will make for an enthralling lifetime experience.

    • The Dambulla Cave Temple: Temple of Dambulla Golden temple is tucked in central Sri Lanka. Regarded as a World Heritage Site, it is the most expansive temple complex in the country where you will find precious paintings and statues of Lord Buddha.
    • National Museum of Colombo: The Sri Lanka National Museum is a must-visit place in the country. Do not miss the manuscripts in diverse languages inscribed on palm leaves.
    • Yala National Park: See the country’s fascinating wildlife at the national park, a huge area consisting of lush grass-covered terrains and forests, lagoons, and shoreline. It is located in the town of Hambantota in southeast Sri Lanka.
    • Bentota Beach: Spend relaxed moments at this sprawling beach, go on a boat cruise or visit the Kosgoda Turtle Hatchery for a splendid vacation experience.
    • Jaffna: Nestled in northern Sri Lanka, Jaffna is referred to as the city of temples where you will find centuries-old monuments and the famous Jaffna Fort constructed by the Portuguese.


    Disclaimer: All information is from the official website and for reference purposes only. Please validate the terms and conditions carefully.

    Other Travel Insurance Plans:

    Australia Travel Insurance

    US Travel Insurance

    Japan Travel Insurance

    Thailand Travel Insurance

    Spain Travel Insurance

    Singapore Travel Insurance

    Germany Travel Insurance

    Schengen Travel Insurance

    FAQs on Sri Lanka Travel Insurance

    Q. What should I look for in my Sri Lanka travel insurance policy?

    Look for medical and non-medical risks coverage. The policy should also offer benefits such as in-patient hospitalization, medical evacuation, cover for trip delay/cancellation, loss of checked-in baggage, etc.

    Q. Will the Sri Lanka travel insurance policy help if I lose my passport?

    Yes, you will get a fixed amount under the policy coverage for obtaining a new or duplicate copy of the passport.

    Q. What if I contracted a severe infection during a trip?

    We will cover your emergency hospitalization and treatment expenses under the policy. Additionally, if you require further treatment after your return, we will cover your expenses up to 30 days or up to the policy date, whichever is earlier.

    Q. What if I have a medical emergency during the trip and there is no hospital in the vicinity?

    We will bear your expenses incurred for transportation or medical evacuation to reach to our network hospital.

    Q. What if the aircraft I'm traveling in involved a mid-air mishap?

    A lump sum insured will be given to the policyholder for death as a passenger in a common carrier or transport.

    Q. What happens if the vehicle I'm traveling with met with an accident?

    You will get coverage for any unfortunate incidents like death, accident or permanent total disability.

    Q. How to reach the Indian embassy in Sri Lanka?

    You can reach the Indian embassy in Sri Lanka at 36, 38 Colombo - Galle Main Rd, Colombo 00300, Sri Lanka/+94 112 327 587.


    ^^Number of Cashless Healthcare Providers till 25th March 2022.


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