Travel Insurance for Srilanka

Located in the heart of the Indian Ocean, Sri Lanka is a mesmerising island nation renowned for its pristine beaches, lush landscapes, and vibrant culture. Whether planning a relaxing beach getaway, or exploring ancient temples and ruins, Sri Lanka offers something for every type of traveller.

As you embark on your journey to this beautiful destination, it's essential to prioritise your peace of mind and security. This is where travel insurance for Sri Lanka comes into play. Our comprehensive insurance plans provide financial protection against various unexpected events that could disrupt your travel plans, including medical emergencies, trip cancellations, lost luggage, and more.

Key Features of Travel Insurance Srilanka

Some of the main features of Srilanka 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 Srilanka

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

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 Srilanka 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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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 Srilanka travel insurance for families offers coverage to multiple members of the family under a single plan during their travel.

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Travel plan for Students

For individuals accomplishing their dreams

This type of plan is for students visiting Srilanka 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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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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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 Srilanka 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 Srilanka

Embark on your journey to Srilanka with the assurance that HDFC ERGO's Srilanka travel insurance has you covered at every step.

1

Comprehensive Coverage

In addition to medical emergencies, trip cancellations, and lost luggage, HDFC ERGO's travel insurance for Sri Lanka is one of the best travel insurance for Sri Lanka. It also covers other unforeseen events such as flight delays, personal liability, and emergency evacuation, offering you comprehensive protection against a wide range of potential risks. Travel with confidence, knowing that you have the support you need.

2

Financial Protection

With travel medical insurance from HDFC ERGO, you receive financial protection not only for medical emergencies, hospitalisations, and emergency evacuations during your trip to Sri Lanka but also for other unexpected costs, such as trip interruptions or disruptions due to natural disasters or personal emergencies. Travel worry-free, knowing that your financial well-being is secured with HDFC ERGO's comprehensive travel health insurance coverage.

3

24/7 Assistance

Whether you encounter a medical emergency, need guidance on local services, or require assistance with travel arrangements, HDFC ERGO's 24/7 support ensures that you receive prompt and reliable assistance.

4

Family Coverage

With HDFC ERGO's family coverage, you can travel with your loved ones, knowing everyone is covered under one convenient plan. You can enjoy your family vacation worry-free, knowing that everyone's health and safety are taken care of with HDFC ERGO's travel insurance.

5

Customisable Plans

HDFC ERGO offers customisable plans so you can pick the one that fits your travel requirements and budget perfectly. Whether you're planning a short getaway or an extended stay in Sri Lanka, you can customise your insurance coverage to ensure you're protected exactly as you need it.

6

Cashless Benefits

A key benefit of Sri Lanka travel insurance is its cashless claim option. This means you can get treatment without paying upfront if you have a medical emergency abroad. With HDFC ERGO travel insurance, you can access a network of over 1 lac hospitals worldwide, ensuring you receive quick medical care wherever you are.

What's Covered under Travel Insurance for Srilanka from India

Here are some of the things that are usually covered under travel insurance for Srilanka from India;

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.

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

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

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

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 & 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

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 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

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

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.

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

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.

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.

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

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

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.

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 Srilanka from India

Your travel insurance for Srilanka from India policy may not offer coverage for:

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

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

Pre existing diseases

If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.

Cosmetic and Obesity Treatment

Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.

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 Srilanka, 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!

Interesting Facts About Srilanka

Categories	Specification
Cultural Heritage	Sri Lanka boasts a rich cultural heritage dating back over 2,500 years, with influences from Indian, Arab, European, and Southeast Asian cultures evident in its architecture, cuisine, and traditions.
Technological Advancements	Despite being a developing nation, Sri Lanka has made significant strides in technology, particularly in the IT sector. The country has emerged as a major outsourcing destination for software development and business process outsourcing services.
Geography	Sri Lanka is known for its stunning natural landscapes, including pristine beaches, lush rainforests, misty mountains, and cascading waterfalls. It's also home to diverse ecosystems, such as tropical rainforests, dry zones, and coastal wetlands.
Historical Sites	Sri Lanka has ancient cities, archaeological sites, and sacred landmarks, highlighting its rich history and cultural significance. From the ancient city of Anuradhapura to the iconic Sigiriya rock fortress and the sacred city of Kandy, the country's historical sites attract visitors from around the world.

Documents Required For The Srilanka Tourist Visa

Indian passport holders can travel to Sri Lanka without a visa now. However, if you need to apply for one, you might have to provide these documents:

• A passport valid for at least six months from your arrival date

• A confirmed return ticket

• Proof of enough funds for your stay

• A filled visa application form

• Scanned copies of your passport's first and last pages

• Addresses of your Indian and Sri Lankan companies

• Two recent colour photos (2x2 inches) without glasses, showing your full face with both ears visible against a white background

Best Time To Visit Srilanka

The ideal time to travel to Sri Lanka largely varies based on the specific regions you intend to visit and the activities you plan to engage in. Generally, the island experiences two primary monsoon seasons: the southwest monsoon from May to September, affecting the southwest coast and hill country, and the northeast monsoon from October to January, impacting the northeast coast. The period between November and March is often considered the optimal time to visit as it marks the dry season across most of the country, offering pleasant weather conditions and minimal rainfall.

During this time, popular tourist destinations such as Colombo, Kandy, Galle, and the Cultural Triangle are ideal for exploration. It's also an excellent time for activities such as wildlife safaris in national parks like Yala and Udawalawe, beach vacations along the south and west coasts, and cultural tours to ancient sites such as Sigiriya and Polonnaruwa.

Srilanka Safety And Precautionary Measures To Be Undertaken

• Be cautious when swimming in the ocean, especially during the monsoon season, as strong currents and undertows can pose risks.

• Take precautions against mosquito-borne illnesses such as dengue fever and malaria by using insect repellent, wearing long sleeves and pants, and sleeping under mosquito nets.

• Avoid consuming tap water and opt for bottled or purified water to prevent waterborne illnesses.

• Exercise caution when exploring wildlife areas and national parks, and adhere to park rules and regulations to avoid encounters with potentially dangerous animals.

• Stay vigilant in crowded areas and tourist attractions to prevent theft and pick-pocketing, and always keep your belongings secure.

• Stay informed about current events and travel advisories, and register with your embassy or consulate upon arrival in Sri Lanka for assistance in case of emergencies.

Srilanka Safety And Precautionary Measures To Be Undertaken

• Be cautious when swimming in the ocean, especially during the monsoon season, as strong currents and undertows can pose risks.

• Take precautions against mosquito-borne illnesses such as dengue fever and malaria by using insect repellent, wearing long sleeves and pants, and sleeping under mosquito nets.

• Avoid consuming tap water and opt for bottled or purified water to prevent waterborne illnesses.

• Exercise caution when exploring wildlife areas and national parks, and adhere to park rules and regulations to avoid encounters with potentially dangerous animals.

• Stay vigilant in crowded areas and tourist attractions to prevent theft and pick-pocketing, and always keep your belongings secure.

• Stay informed about current events and travel advisories, and register with your embassy or consulate upon arrival in Sri Lanka for assistance in case of emergencies.

Popular Destinations in Srilanka

If you are looking for places to visit during your Ireland trip, consider the options mentioned below:

1

Colombo

As the vibrant capital city of Sri Lanka, Colombo offers a blend of modernity and traditional charm. Explore bustling markets, colonial-era architecture, and religious sites such as Gangaramaya Temple and Kelaniya Raja Maha Vihara. Enjoy a stroll along Galle Face Green or indulge in shopping and dining at malls and local eateries.

2

Kandy

Nestled amidst lush hills, Kandy is renowned for its picturesque scenery and cultural significance. Visit the sacred Temple of the Tooth Relic, which houses the revered relic of the Buddha's tooth. Explore the serene Kandy Lake and Botanical Gardens, or take a scenic train ride through tea plantations to Ella.

3

Galle

Steeped in colonial history, Galle is a UNESCO World Heritage Site famed for its well-preserved fort and charming Dutch-era architecture. Explore historic landmarks like Galle Fort, Dutch Reformed Church, and Galle Lighthouse. Relax on the pristine beaches of Unawatuna and Mirissa, known for their turquoise waters and water sports activities.

4

Sigiriya

Sigiriya, also known as Lion Rock, is an ancient rock fortress surrounded by lush greenery and landscaped gardens. Explore the UNESCO-listed archaeological site of Sigiriya, featuring ancient frescoes, landscaped gardens, and a network of reservoirs and water gardens.

5

Nuwara Eliya

Situated in the heart of Sri Lanka's hill country, Nuwara Eliya is known for its cool climate, scenic landscapes, and tea plantations. Explore picturesque attractions such as Gregory Lake, Hakgala Botanical Garden, and Victoria Park.

6

Ella

Nestled in the central highlands, Ella is a tranquil hill station renowned for its breathtaking views, lush greenery, and laid-back atmosphere. Relax in quaint cafes, savouring delicious cuisine while soaking in the scenic beauty of Ella's surroundings.

Things To Do In Srilanka

Here are some popular things you can consider doing in Srilanka during your visit:

• Discover Sri Lanka's rich history by visiting ancient ruins such as the UNESCO World Heritage Sites of Sigiriya Rock Fortress, Polonnaruwa, and Anuradhapura.

• Embark on thrilling wildlife safaris in Sri Lanka's national parks, including Yala National Park, and Wilpattu National Park, where you can spot diverse wildlife such as elephants, leopards, sloth bears, and exotic bird species.

• Unwind on the sun-kissed beaches of Sri Lanka's coastline, including popular destinations like Bentota, Mirissa, and Arugam Bay, offering opportunities for swimming, sunbathing, surfing, and snorkelling in crystal-clear waters.

• Journey through the picturesque hill country of Sri Lanka and visit lush tea estates in Nuwara Eliya, Ella, and Kandy, where you can experience guided tours of tea factories, learn about the tea-making process, and sample authentic Ceylon tea.

• Embark on scenic trekking and hiking adventures to breathtaking viewpoints and natural wonders, including Ella Rock, Adam's Peak, and the Knuckles Mountain Range, offering spectacular vistas of misty mountains, waterfalls, and lush landscapes.

• Indulge in adrenaline-pumping water sports and adventure activities such as surfing, diving, snorkelling, and zip-lining, available in coastal towns across Sri Lanka.

Money Saving Tips

Planning a budget-friendly and unforgettable trip to Srilanka? Check out these money-saving tips to make the most of your adventure:

• Opt for budget-friendly accommodation options such as guesthouses, homestays, and hostels instead of luxury resorts to save on accommodation costs while exploring Sri Lanka.

• Sample delicious and affordable Sri Lankan cuisine at local eateries, street food stalls, and family-run restaurants, where you can enjoy authentic dishes like rice and curry, and string hoppers at budget-friendly prices.

• Utilise Sri Lanka's extensive public transportation network, including buses and trains, for cost-effective travel between cities and towns, avoiding the need for expensive private taxis or rental cars.

• Research and compare prices for guided tours, excursions, and activities in advance, and consider booking through local operators or online platforms to find discounted deals and promotional offers.

List of Well-Known Indian Restaurants in Srilanka

Take a look at some of the famous Indian restaurants of Srilanka that offer delicious food-

Plates
Address: Cinnamon Grand Colombo 3, Colombo Srilanka
Must-try dishes: oysters, mussels, prawns, grilled meat, etc.

Graze Kitchen
Address: Number 2 Sir Chittampalam A Gardiner Mawatha Hilton Colombo, Srilanka
Must-try dishes: Rib eye, Sushi, Pan Asian, etc.

Indian Chaat Corner
Address: 43B, Haig Road, Colombo
Must-try dishes: Pani Puri, Sev Puri

Local Law And Etiquette In Srilanka

Make sure to remember these local laws and etiquette when visiting Srilanka-

• When visiting temples and religious sites, dress modestly, remove your shoes before entering, and refrain from displaying affectionate behaviour or taking photographs in sacred areas.

• Sri Lankan society tends to be conservative, especially in rural areas and religious sites. When in public, dress modestly, particularly when visiting sacred sites, and avoid wearing revealing clothing such as short skirts or shorts.

• Sri Lankans typically greet each other with a warm smile and a gentle nod, especially when meeting someone for the first time.

• Sri Lankans hold great respect for elders and authority figures. When interacting with older individuals or those in positions of authority, such as teachers or religious leaders, it's customary to use polite language and show deference.

Indian Embassies in Srilanka

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

Srilanka-based Indian Embassy	Working Hours	Address
Embassy of India, Srilanka	Monday through Friday from 9 AM to 5:30 PM	Srilanka-based Indian Embassy, Colombo

International Travel Insurance for Most Visited Countries

Take your pick from the options below, so you can be better prepared for your trip to a foreign country

List Of Countries Where Travel Insurance Is Mandatory

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

Other countries

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

Source: VisaGuide.World

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Frequently Asked Questions

1. Is travel insurance necessary for visiting Sri Lanka?

While travel insurance is not mandatory for visiting Sri Lanka, protecting yourself against unexpected emergencies, such as medical expenses, trip cancellations, or lost luggage, is highly recommended. Having travel insurance provides peace of mind and financial security during your trip.

2. What does travel insurance for Sri Lanka typically cover?

Travel insurance for Sri Lanka usually covers a range of situations, including medical emergencies, trip cancellations or interruptions, baggage loss or delay, emergency medical evacuation, and personal liability. However, coverage can vary depending on the insurance provider and specific policy details.

3. Will my travel insurance cover adventure activities in Sri Lanka?

Some travel insurance policies offer coverage for certain adventure activities such as hiking, surfing, and snorkelling, while others may require additional coverage or exclude high-risk activities altogether.

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Travel Insurance for Srilanka

Key Features of Travel Insurance Srilanka

Types of Travel Insurance for Srilanka

Benefits of Buying Travel Insurance Srilanka

Comprehensive Coverage

Financial Protection

24/7 Assistance

Family Coverage

Customisable Plans

Cashless Benefits

Ready to visit Sri Lanka with your family? Secure your trip with the HDFC ERGO family travel insurance.

What's Covered under Travel Insurance for Srilanka from India

Emergency Medical Expenses

Dental Expenses

Personal Accident

Personal Accident : Common Carrier

Hospital cash - accident & illness

Flight Delay & Cancellation

Trip Delay & Cancellation

Loss of Passport & International driving license

Trip Curtailment

Personal Liability

Emergency Hotel Accommodation for Insured Person

Missed Flight Connection

Hijack Distress Allowance

Emergency Cash Assistance Service

Loss Of Checked-In Baggage

Delay of Checked-In Baggage

Theft of baggage and its contents

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

Breach of Law

Consumption of Intoxicant substances

Pre existing diseases

Cosmetic and Obesity Treatment

Self Inflicted Injury

How to Buy Travel Insurance Online?

Want to keep yourself financially protected against baggage loss while on your trip to Sri Lanka? Find affordable international travel insurance plans with HDFC ERGO.

Interesting Facts About Srilanka

Documents Required For The Srilanka Tourist Visa

Best Time To Visit Srilanka

Srilanka Safety And Precautionary Measures To Be Undertaken

Srilanka Safety And Precautionary Measures To Be Undertaken

Looking forward to an international holiday to Sri Lanka? Find suitable travel health insurance Sri Lanka plans at attractive rates.

Popular Destinations in Srilanka

Colombo

Kandy

Galle

Sigiriya

Nuwara Eliya

Ella

Things To Do In Srilanka

Money Saving Tips

List of Well-Known Indian Restaurants in Srilanka

Local Law And Etiquette In Srilanka

Indian Embassies in Srilanka

International Travel Insurance for Most Visited Countries

Travel Insurance for

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List Of Countries Where Travel Insurance Is Mandatory

Schengen countries

Don't risk your international trips
Get your Travel Insurance Now

FICCI Insurance Industry
Awards September 2021

Best Customer Experience
Award of the Year

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