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Home / Travel Insurance / Travel Insurance For Maldives From India Online

Travel Insurance for Maldives

The Maldives is also known as the Republic of Maldives. It is a tropical paradise in the Indian Ocean. Beautiful beaches, glistening oceans, and opulent resorts are some of its most well-known features. Travellers looking for an exotic break frequently select the Maldives. Make sure you have international travel insurance when you are organising your vacation.

This insurance ensures you may unwind and enjoy your stay worry-free. Such insurance offers financial protection against unforeseen catastrophes during your holiday. Read more about Maldives travel insurance, nearby sights, and valuable tips!

Key Features of Travel Insurance Maldives

Some of the main features of Maldives travel insurance are listed below:

Key features Details
Extensive coverage Covers against medical, journey and baggage-related issues.
Cashless benefits Offers cashless benefits through multiple network hospitals.
COVID-19 coverage Covers COVID-19-related hospitalisation.
24x7 customer support Around-the-clock prompt customer support.
Quick claim settlements Dedicated claims approval team for faster claim settlements.
Wide coverage amount Overall coverage amounts from $40K to $1000K.

Types of Travel Insurance for Maldives

You can choose from the different types of travel insurance for Maldives in accordance with your trip requirements. The main options are;

Individuals Travel plan for Maldives by HDFC ERGO

Travel Plans for Individual

For the solo wanderers and thrillseekers

This type of policy protects solo travellers from contingencies that they might face during their travel. The HDFC ERGO individual Maldives travel insurance is packed with plenty of features and benefits to keep travellers financially covered in case of both medical and non-medical emergencies.

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Family Travel plan for Maldives by HDFC ERGO

Travel plan for Families

For families travelling together

When going on a foreign trip with your family, you have to consider a lot of factors for their safety and well-being. The Maldives travel insurance for families offers coverage to multiple members of the family under a single plan during their travel.

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Student Travel plan for Maldives by HDFC ERGO

Travel plan for Students

For individuals accomplishing their dreams

This type of plan is for students visiting Maldives for study/education-related purposes. It will keep you secure against a variety of contingencies, including stay-related coverage like bail bonds, compassionate visits, sponsor protection, etc., so you can focus on your studies during your abroad stay.

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Multi Trip Travel plan for Maldives by HDFC ERGO

Travel plan for Frequent Fliers

For the ones flying frequently

This type of plan is designed for frequent flyers, offering coverage for multiple trips under one comprehensive policy. With the HDFC ERGO frequent flyer travel insurance, you won't have to worry about buying travel insurance for every trip within the specified policy timeframe.

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Senior Citizens                                    Travel plan for Maldives

Travel Plan for Senior Citizens

For the ones who are forever young

This type of plan is specially designed to offer coverage to senior citizens against a variety of complications that may happen on an international trip. The HDFC ERGO senior citizen travel insurance for Maldives will ensure you stay covered in case of medical and non-medical uncertainties during the trip.

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Benefits of Buying Travel Insurance Maldives

Having Maldives travel insurance for the vacation has several significant advantages, including:

1

24x7 Assistance

Maldives Travel Insurance offers 24/7 customer care support and a specialized claims approval staff to help you in an emergency.

2

Medical Coverage

The best travel insurance for Maldives keeps you financially safe against such unanticipated catastrophes during your holiday there.

3

Non-Medical Coverage

Travel insurance to the Maldives offers financial coverage against non-medical contingencies. It covers various journey and baggage-related inconveniences.

4

Stress-Free Vacations

Unfortunate incidents can be financially and psychologically taxing. Maldives travel insurance acts as a safety net.

5

Cashless Benefits

Maldives Travel Insurance's key benefits include the cashless claim feature and cashless medical care in emergencies abroad.

Are you and your family ready to travel to Maldives? With the HDFC ERGO family travel insurance, you can safeguard your vacation.

What's Covered under Travel Insurance for Maldives from India

Here are the benefits we offer with our travel insurance from Maldives to India

Emergency Medical Expenses

Emergency Medical Expenses

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.

Emergency dental expenses coverage by HDFC ERGO Travel Insurance

Dental Expenses

We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.

Personal Accident

Personal Accident

We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.

Personal Accident : Common Carrier

Personal Accident : Common Carrier

We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.

Hospital cash - accident & illness

Hospital cash - accident & illness

If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.

Flight Delay coverage by HDFC ERGO Travel Insurance

Flight Delay & Cancellation

Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.

Loss Of Baggage & Personal Documents by HDFC ERGO Travel Insurance

Loss of Passport & International driving license

Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

Personal Liability coverage by HDFC ERGO Travel Insurance

Personal Liability

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Trip Curtailment

Emergency Hotel Accommodation for Insured Person

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions

Missed Flight Connection flight

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.

Loss of Passport & International driving license :

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Hospital cash - accident & illness

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.

Loss Of Checked-In Baggage by HDFC ERGO Travel Insurance

Loss Of Checked-In Baggage

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay Of Checked-In Baggage by HDFC ERGO Travel Insurance

Delay of Checked-In Baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Loss of Passport & International driving license :

Theft of baggage and its contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.

What's Not Covered Under Travel Insurance for Maldives from India

Unfortunately, your travel insurance does not offer coverage for:

Breach of Law

Breach of Law

Sickness or health issues caused due to war or a breach of the law is not covered by the plan.

Consumption Of Intoxicant Substances not covered by HDFC ERGO Travel Insurance

Consumption of Intoxicant substances

If you consume any intoxicants or banned substances, the policy shall not entertain any claims.

Pre Existing Diseases not covered by HDFC ERGO Travel Insurance

Pre existing diseases

The policy does not cover expenses related to pre-existing illnesses or treatments.

Cosmetic And Obesity Treatment not covered by HDFC ERGO Travel Insurance

Cosmetic and Obesity Treatment

Cosmetic or obesity treatment during the course of the travel remain uncovered.

Self Inflicted Injury not covered by HDFC ERGO Travel Insurance

Self Inflicted Injury

Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.

How to Buy Travel Insurance Online?

If you want to buy travel insurance online for Maldives, the following are the steps that you need to follow:

• Click here link, or visit the HDFC ERGO travel insurance webpage to BUY our policy.

• Enter traveler details, destination information, and trip start and end dates.

• Choose your preferred plan from our three tailored options.

• Provide your personal details.

• Fill in additional details about the travelers and proceed to pay using online payment methods.

• All that's left to do is- download your policy instantly!

Explore Maldives with peace of mind, knowing you're covered for all unexpected emergencies!

Interesting Facts About Maldives

Categories Specification
White BeachesThe distinctive white sand on the Maldives' beaches is coralline, not quartz, as with other kinds of sand.
Unique WeekendIn contrast to Western nations, the Maldives observes a unique weekend. Friday and Saturday here are treated as the weekend instead of Saturday and Sunday. Thus, don't be shocked if you see individuals working on Sundays!
GeographyThe Maldives is the world's flattest nation. It has an average elevation of about 1.8 meters above sea level. Villingili Island's elevation is the lowest point in the entire country at just 2.3 meters.
LanguagesDhivehi, also called Maldivian, is the official language of the Maldives. English is frequently used as a communication medium at resorts and other locations that draw visitors from many cultural origins.
Famous EventMohamed Nasheed, the Maldives president, called the first-ever underwater cabinet meeting in 2009. The ministers gathered at the ocean's edge and discussed sea threats and how human activity affects freshwater supplies.

Documents Required For The Maldives Tourist Visa

If you want to visit the Maldives for tourist purposes, you must apply for a tourist visa. A tourist visa to the Maldives requires the following documentation:

• Valid passport

• Completed and signed tourist visa application to Maldives

• Cover letter with motivation for travel

• Validity of medical insurance

• Passport-sized photos

• Documentation of visa payment

• Documentation of lodging in Maldives

• Copies of prior visas obtained

• Proof of sufficient funds for stay in Maldives

• Verification of full round-trip airline tickets

• Documentation of the entire travel schedule

Best Time To Visit Maldives

If you want to travel to Maldives, here’s the best time to visit

For fabulous weather, January through March are the finest months to visit. This is the time of year when the Maldives have mild weather and sun-filled beaches. There won't be as many raindrops at this time. The reason is - it's not the monsoon season. The water remains calm and transparent at this time. So, snorkeling and diving are ideal. You can anticipate typical temperatures of about 29°C (84°F). You will have nine hours of sunshine daily.

From April through August, see the start of the year's showers. But still, it's a terrific time to visit. You'll get seven or eight hours of sunshine daily. There is less visibility in the water at this time. But the sea is still a comfortable 30°C (86°F). Airfares and resort fees remain less expensive. So, this is an excellent time of year to travel on a tight budget. Resorts provide free room upgrades. They are also less congested.

The Maldives is a paradise all year—never forget that! Pick a time that works for you, and enjoy the breathtaking beaches, glistening oceans, and abundant marine life!

All Year-Round Essentials for Maldives

• Passport and travel documents, including visa if required, and travel insurance information.

• Swimwear, sandals, and casual clothes for warm tropical weather.

• Sun protection essentials like swim shirts, wide-brimmed hats, sunglasses and waterproof sunscreen.

• Reef-safe sunscreen for enjoying beaches and water activities.

• Light packing cubes or duffel bags to organize belongings on the island.

• Camera, chargers/adaptors and waterproof case for photos on the beach.

• Insect repellent for enjoying the outdoors, especially at dusk.

• Prescription medications if needed and wet wipes/hand sanitizer.

• Cash (USD most accepted), credit/debit cards for resort purchases and activities.

• Water shoes/aqua socks for walking on coral reefs and rocky shorelines.

• Towel and cover-up for between hotel/beach and evenings.

• Book, music player or other entertainment for flights, boat rides or downtime.

Maldives Safety And Precautionary Measures To Be Undertaken

When visiting any new or another country, it is essential to take safety and precautionary measures to enjoy travel. Here are some measures to be taken when in Maldives:

• Bring photocopies of your original documents on trips.

• Avoid dark areas, and watch your valuables when in crowds.

• For valuables, use the hotel safe.

• Take a hat, sunglasses, and sunscreen with you.

• When visiting nearby islands, wear modest clothing.

• Swimming is only permitted in specified regions.

• The weather might change abruptly. So bring both rain and sun protection.

List of International Airports in Maldives

One of the fastest and most convenient ways to reach Maldives from any part of the world is via flight. Here's a list of the major international airports in Maldives.

City Airport Name
Velana International Airport (MLE)It's 3 kilometres away from Malé
Hanimaadhoo International Airport (HAQ)The northern part of the Maldives, on Hanimaadhoo Island
Gan International Airport (GAN)The southern part of the Maldives
Maafaru International Airport (NMF)Maafaru Island at Noonu Atoll
Villa International Airport (VAM)Maamigili Island in Alifu Dhaalu Atoll
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Travel through the pristine blue beaches of Maldives stress free, without worry about trip interruptions or medical emergencies.

Popular Destinations in Maldives

When planning your trip to the Maldives, take into consideration the following options:

1

Malé Atoll

The central city of Malé serves as the hub of the Malé Atoll. It offers a fusion of modern and traditional. Discover lively cafes, bustling markets, and historic sites.

2

Sun Island

Sun Island has immaculate beaches and glistening oceans. Such verdant surroundings genuinely live up to their name. Take a sunbath, unwind, and indulge in the tranquil beauty.

3

Banana Reef

Banana Reef is famous for its underwater marvels. Explore the depths to find exciting caverns and schools of fish, and observe the colourful coral formations.

4

Alimatha Island

The tranquil waters of Alimatha Island are ideal for canoeing. Enjoy the peaceful and quiet surroundings, paddle through mangroves, and look for marine life.

5

Artificial Beach

n adrenaline hotspot is Artificial Beach. Try windsurfing, jet skiing, or parasailing. Your spirit of adventure awaits you in the turquoise water.

6

HP Reef

Come experience the vibrant coral gardens at HP Reef. Explore the rich marine ecology by diving or snorkeling. Observe the caverns and overhangs.

7

Fihalhohi Island

Marine biodiversity is abundant on Fihalhohi Island. Scuba dive with schools of tropical fish and rays. Swim with turtles in the crystal-clear waters.

8

Utheemu Ganduvaru

See the ancient wooden palace of Sultan Mohamed Thakurufaanu. It is located at Utheemu Ganduvaru. Take a deep dive into Maldivian history.

Things To Do In Maldives

During your trip to the Maldives, you should think about doing the following well-liked activities:

• Discover the colorful coral reefs and varied marine life. Explore them by doing top-notch scuba diving or snorkeling.

• Enjoy the sun and soft, white sand of a remote Maldivian beach. Dip your toes in the water.

• Stay in a secluded hut overlooking the pristine water. It will provide the perfect island escape.

• Sail into paradise and take in the magnificent sunsets. Spend quality time with your special someone.

• Explore the distinct allure of the several Maldivian islands. Each provides a distinct personality and cultural experience.

• Experience magnificent marine creatures' natural habitat. Go on a whale shark or manta ray-watching cruise.

• You may rejuvenate your body and mind with a traditional Maldivian spa treatment. Such spas use organic products and regional methods.

Money Saving Tips While Travelling To Maldives

Following these suggestions will help you reduce costs if you're on a limited budget and want to visit the Maldives:

• Visit the Maldives during shoulder or rainy months for cheaper flights and lodging.

• Choose nearby guesthouses for a taste of Maldivian culture and save money.

• Select guesthouses with breakfast, and explore local eateries for meals.

• Rent surfing, diving, and snorkeling equipment on the island to save baggage fees.

• Prepare snacks and drinks before arriving to avoid expensive hotel minibars.

• Use public transportation options like shared seaplanes or ferries instead of private transfers.

• Consider free activities like boat tours instead of paid activities.

• Buy souvenirs from local stores on inhabited islands for a more authentic experience.

List of Well-Known Indian Restaurants in Maldives

Here are a few well-known Indian eateries you should visit while in the Maldives:

Bombay Darbar
This restaurant, situated in Male, serves a broad range of Indian cuisine, including dishes from the North, like butter chicken, and the South, like dosa.

Acha's Poppadums
Acha's Poppadums, a well-liked option in Male, serves North and South Indian food. Their freshly baked breads and delectable curries are well-known.

Symphony Restaurant (Taj Exotica Resort)
Symphony Restaurant offers an abundant Indian dining experience with breathtaking ocean views. They use fresh, premium ingredients to produce their menu's famous Indian meals.

Tandoori Flames (Maafushi Island)
Indian cuisine is tasty and reasonably priced at this laid-back restaurant in Maafushi. They provide an excellent assortment of curries and tandoori specialities.

Novena Cafe (Male)
Novena Cafe is a fantastic option for an affordable Indian lunch. Their selection of rice meals, munchies, and curries is wide.

Local Law And Etiquette In Maldives

Make sure you respect and abide by the customs and laws of the Maldives while you visit. Here are some resources that might be useful to you:

• The Maldives is a nation of Muslims. On local islands, especially outside of resort areas, dress modestly (covering your knees and shoulders).

• It is against the law to import, consume, or purchase alcohol outside of resort zones.

• Making public declarations of love is not customary, particularly on nearby islands.

• Don't disparage religious customs or advocate for religions other than Islam.

• In local marketplaces and shops, some haggling is expected. Show consideration and courtesy.

• Like many other Muslim societies, you must remove your shoes before entering a local residence.

• Conventional greetings involve a handshake. Ladies welcome ladies, and men greet men.

• Be mindful of the fragile marine life and coral reefs. Refrain from throwing trash and use responsible travel strategies.

Indian Embassies in Maldives

Here are the Maldives-based Indian Embassy to look out for:

Maldives-based Indian Embassy Working Hours Address
High Commission of India, Male, MaldivesSunday to Thursday: 9:30 AM to 5:30 PM (Closed on Fridays, Saturdays and Indian/Maldives holidays)Lot No. 11499 N1 56(E), Hithigas Magu, Goalhi - 4 Hulhumale Phase-I, Male, Maldives

List Of Countries Where Travel Insurance Is Mandatory

my:health medisure super top-up plan

Schengen countries

  • France
  • Spain
  • Belgium
  • Austria
  • Italy
  • Sweden
  • Lithuania
  • Germany
  • the Netherlands
  • Poland
  • Finland
  • Norway
  • Malta
  • Portugal
  • Switzerland
  • Estonia
  • Denmark
  • Greece
  • Iceland
  • Slovakia
  • Czechia
  • Hungary
  • Latvia
  • Slovenia
  • Liechtenstein and Luxembourg
my:health medisure super top-up plan

Other countries

  • Cuba
  • Ecuador
  • Iran
  • Turkey
  • Morocco
  • Thailand
  • UAE
  • Togo
  • Algeria
  • Romania
  • Croatia
  • Moldova
  • Georgia
  • Aruba
  • Cambodia
  • Lebanon
  • Seychelles
  • Antarctica

Source: VisaGuide.World

International travel insurance makes flight delays, loss of baggage and other journey-related inconveniences less bothersome.

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Frequently Asked Questions About Travel Insurance For Maldives

It's not necessary. But it's advised in case of unexpected events, medical situations, and trip cancellations.

Maldives Travel Insurance ensures you're covered for medical expenses, personal accidents, emergency evacuation, trip cancellation/interruption, baggage loss, and any travel delays, providing peace of mind and financial security for unforeseen events.

The premium for your travel insurance is based on the destination, trip duration, age, number of members and type of coverage opted for". Remove line of "Obtain quote from various insurance providers.

Broadly consider factors like medical coverage, trip related hassles and baggage mishaps among others". remove "adventure activity coverage" as we do not provide that online yet.

While it is best to get it as soon as you plan your trip, ensure you get your travel insurance a day before the trip start date.

It could, but you could have to disclose your illness. Consult the insurance company.

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