Travel Insurance for Maldives

Maldives, located in the Indian Ocean, is an archipelago of 1,192 coral islands grouped into 26 natural atolls. This charming country is the lowest-lying nation in the world, with an elevation of just 1.5m from the sea and 2.4m from the ground.

If you plan to visit Maldives and transport yourself to another world of white sand beaches, crystal clear waters and unique water adventures, you must secure your trip with international travel insurance in Maldives.

With Reliance Travel Insurance's Maldives plan, you can benefit from extensive financial coverage for medical emergencies, baggage and journey support at affordable rates, along with easy policy extension.

Do I Need Travel Insurance for Maldives?

Even though travel insurance to the Maldives is not a mandatory requirement for visa applications, it is crucial to understand the various benefits of this insurance category to enjoy a stress-free trip abroad.

With Maldives insurance, you can benefit from the following -

• Compensation for lost or delayed baggage.

• Cover against illness, personal accidents and medical expenses.

• Loss of passport coverage.

• Cover for trip delay.

• Cashless medical treatment at your hospital.

Types of Travel Insurance for Maldives from India

Maldives Travel Insurance Benefits

Financial Support

One of the top benefits of buying travel insurance in the Maldives is the availability of a financial safety net to cover all medical or other emergencies without any hassle. You can choose a sum insured value based on your specific coverage needs and enjoy a hassle-free and stress-free vacation abroad.

Cashless Medical Support

Illnesses and accidents can happen unexpectedly, leaving you with significant financial and mental burdens. However, to reduce your upfront expenses at the time of need, Maldives Holiday Insurance allows you to avail yourself of a cashless claim facility, where we pay the expenses incurred on your behalf.

Journey Support

Unpredictable emergencies, both personal, family or medical, can cause a significant financial loss due to the non-refundable expenses. However, with a travel insurance policy, you can benefit from necessary coverage for trip delays, interruptions and cancellations. This includes reimbursement of non-refundable expenses and compensation for extensive delays.

Personal Liabilities

Regardless of how careful you are when travelling around Maldives, you can cause unintentional damage to a third party, attracting hefty legal expenses and compensatory costs. In such situations, travel insurance helps manage these expenses by providing necessary financial support.

Peace of Mind

When you buy Maldives travel insurance for your international trip, you benefit from added peace of mind. Moreover, in case of a sudden requirement for a trip extension, you can also increase your trip coverage for the additional days without much hassle.

Reliance Maldives Travel Insurance

Reliance General Insurance's Maldives travel insurance plans are designed to offer comprehensive coverage at affordable rates, catering to the specific needs of travellers.

Whether you experience medical emergencies or trip mishaps, our travel insurance can help you secure your savings during these unfortunate incidents.

Our policy inclusions offer extensive coverage of up to USD 500,000 for medical emergencies, USD 250,000 for third-party liabilities, compassionate visits, and so on.

Let's look at the top features of our plans below.

Features of Reliance Maldives Travel Insurance

Reliance Maldives Insurance: Inclusions & Exclusions

Inclusions

• Lost baggage

• Lost passport

• Third-party liabilities

• Medical emergencies due to illnesses or accidental injuries

• Trip delays, interruptions and cancellations

• Hijack support

• Financial emergency assistance

• Theft

• Acute anaesthetic dental treatments due to accidental injuries

• Personal accident

• Transportation of your mortal remains from Maldives to India

• Death or total disability

Exclusions

• Self-inflicted damage or injuries

• Nuclear attacks or war

• Cosmetic procedures

• Pregnancy

• Negligent behaviour-led injuries or accidents

• Undeclared pre-existing conditions

• Planned treatments

• Travelling against a doctor's advice

How to Buy Maldives Travel Insurance from Reliance General Insurance?

1. Step 1 - To buy travel insurance online for the Maldives, visit our website> click on Explore Products > Select Asia Travel Insurance.

2. Step 2 - On the new webpage, select the type of plan you want: individual, family, annual multi-trip or student, and click on "Next."

3. Step 3 - Enter all the required information, such as mobile number, email address, number of travel companions, etc., and click on "Buy Now".

4. Step 4 - Check the premium quote on the screen and adjust coverage if required for the final quote.

5. Step 5 - Make the payment towards the Maldives insurance premium using any digital payment method.

6. Step 6 - Receive Maldives Holiday Insurance at your registered email address.

Benefits of Buying Maldives Travel Insurance Online

• The online process for travel insurance for Maldives is quick and convenient, as it requires minimal time and effort and can be done from anywhere.

• To help you find the best travel insurance for the Maldives from India, the online process allows you to compare different plans and premiums within just a few clicks.

• When you buy international travel insurance in Maldives online, you can benefit from instant policy issuance without the hassle of physical documentation and appointments.

• When you buy insurance for the Maldives online, you have complete flexibility to explore various discount schemes and deals to reduce your overall insurance premium.

• The online process ensures zero risk of hidden costs, as you are well-informed of all the expenses included in your plan.

How to Raise a Claim under Travel Insurance for Maldives?

• Step 1 - Notify us of the claim within 24 hours of the event's occurrence using our Claims Helpline numbers or by visiting our branch offices.

• Step 2 - Collect all the supporting documents necessary for your claim request. These can include medical bills, hospital invoices, FIRs, etc.

• Step 3 - Once you have the Maldives insurance claim form and supporting documents, submit them to us by either couriering them to our Europ Assistance address or uploading the digital copies on our RCare or Europ Assistance Portal.

• Step 4 - Upon receiving your application, we will verify and evaluate your claim request thoroughly and approve or reject it

• Step 5 - If the claim for Maldives travel insurance is approved, your applicable benefits will be reimbursed to your registered bank account.

Also Check- Travel Claim Forms

Travel Insurance Maldives Cost Range

The price for your international travel insurance depends on multiple factors, such as the type of trip, medical conditions, required coverage, and the number of travel companions.

These factors vary from traveller to traveller, and thus, understanding these factors and their influence is crucial to determining the cost.

Let's discuss them in detail below.

• Trip Duration - The number of days you book for your trip to Maldives impacts the travel insurance for Maldives cost. For longer trips, the premium is higher than for shorter trips that require lower coverage.

• Coverage - The choice or value of the sum insured also impacts your travel insurance price range. For lesser coverage, the premium will be lower than for higher-sum insured coverage.

• Travel of Companions - To find the best travel insurance for the Maldives, you must assess the number of travel companions you want to include in your policy. If you are travelling solo, an individual plan is more beneficial. However, for a group trip, a group travel insurance plan is more affordable, with equal coverage for all.

• Specific Requirements - If you have any specific medical conditions that require additional coverage, your travel insurance policy premium will be higher than for a basic coverage plan.

Tips to Buy Best Travel Insurance for Maldives

1. Assess your Needs - To buy the best travel insurance for the Maldives, you must first assess your coverage requirements. This includes setting aside a budget and analysing your health, travel companions and their requirements, trip duration and so on.

2. Compare Plans - You must also compare different policies before you decide to buy Maldives travel insurance for your international trip. This will help you determine which plan offers the best coverage for your needs within your budget.

3. Check Insurer - In addition to choosing the travel insurance policy, you must also check and choose a reputable insurer for your travel insurance needs. To assess which insurer to select, you need to read online customer reviews and check the insurer's claim settlement ratio.

4. Assess Online Claim Process - You must also check the availability of online claim processes and the convenience of purchasing from different insurers. This will help reduce the time and effort you need to invest in claim settlements in times of need.

5. Read Policy Document - Lastly, when you buy Maldives travel insurance, you must first carefully read the policy document to review the policy inclusions and exclusions to make an informed decision.

Maldives Visa Requirements and Entry Information

Is There a Maldives Visa on Arrival for Indian Citizens?

Yes, Indian citizens can obtain a free 30-day tourist visa from the Maldives upon arrival. This visa can be extended for 60 days under special conditions with additional documentation. You can obtain this facility at any international airport or seaport in the Maldives.

However, please note that this visa facility is only applicable to tourism. You need to apply for a different visa for other purposes.

Types of Visas for Maldives

Application Process for Maldives Visa

For Maldives entry visa, Indians do not require any pre-application. They can avail of a visa-on-arrival. All you need to do is -

• Book your Maldives tickets.

• Fill out and submit the Travel Declaration Form on the IMUGA portal within 96 hours from the date of travel and collect the receipt.

• Collect all the necessary documents.

• Fly to the Maldives and present the required documents at the Immigration counter at the airport.

• Receive your 30-day tourist visa.

Documents for Maldives Visa

• An Indian passport with a Machine Readable Zone (MRZ) and a validity of at least one month from the date of arrival.

• Valid proof of accommodation - hotel reservation, booking invoice, etc.

• Proof of funds - Bank statements, payslips, etc.

• Flight tickets to and from Maldives

• A travel declaration form filled and submitted online on the IMUGA portal within 96 hours of your flight to Maldives

• A valid entry pass (for a work visa)

• A work permit (for a work visa)

• A clear photograph of the applicant (for a work visa)

• Submission receipt of Form IM29 from the Xpat System (for a work visa)

• Sponsorship Declaration form submitted on the IMUGA portal (for a marriage visa)

• A coloured copy of your marriage certificate (for a marriage visa)

• A clear ID copy of the Maldivian spouse (for a marriage visa)

• Admission letter from a Maldivian university or institute (for a student visa)

Embassy of Maldives in India

Tips to Avoid Maldives Visa Rejections

• Provide correct documents at the time of arrival at the Immigration counter.

• Fill out and submit the Travel Declaration Form online on the IMUGA portal as per the mentioned deadline of 96 hours.

• Ensure sufficient funds in your bank account.

• Pre-book accommodation to submit the necessary proof at the Immigration counter.

• Clearly mention your purpose of visit at the Immigration counter.

• Pre-book your flight tickets and ensure the availability of a return ticket before entering Maldives.

• If you want to extend your Maldives entry visa, apply at least 2-3 days before your visa expiry date.

• Ensure passport validity of at least one month from the date of departure from Maldives to India.

Also Read - Visa Rejections: Common Reasons and How to Avoid Them

Interesting Facts About Maldives

• Maldives is known as the flattest country in the world.

• An Indian prince founded the Maldives.

• The sand on the Maldives' beaches is white, instead of the yellow-brown sand found at other beaches worldwide.

• Maldives is home to over 1190 islands and 26 atolls.

• The world's first-ever underwater meeting was held in Maldives in 2009.

• The Maldives is one of the few countries in the world to witness bioluminescence, also known as the glowing beach phenomenon.

• Maldives is home to diverse marine life.

• A significant portion of the population in Maldives is Muslim.

• Public display of affection is a big no in the Maldives.

• Drinking alcohol in public spaces and private island resorts is also prohibited in Maldives.

• In the olden days, Maldivian currency consisted of cowry shells.

• Maldives is home to 5 out of the 7 marine turtles in the world.

Best Time to Visit Maldives

Money-Saving Tips for Maldives Trip

• Accommodation - Choose local guest houses instead of luxury overwater bungalows to save a lot of money on accommodation.

• Flight Tickets - Book your flights for the shoulder or low seasons of Maldives when the prices are more affordable.

• Food Tips - Explore local food vendors and cook your meals whenever possible instead of eating out at expensive restaurants to indulge in Maldivian cuisine on a budget. 

• Plan Alcohol Consumption - Alcohol is very expensive in Maldives, so you must limit your alcohol consumption. Instead, you can enjoy mocktails and other beverages that are cheaper.

• Book All-Inclusive Packages - Instead of booking individual adventures and activities, explore all-inclusive packages for Maldives that are more cost-effective and ensure a better travel experience.

• Pack Essentials - You can choose to pack your snorkelling gear, sunscreen, reusable water bottle and other travel essentials to save money instead of buying them in the Maldives.

• Travel Insurance - Maldives Holiday insurance provides a financial safety net to cover all unexpected emergencies and expenses efficiently to reduce your out-of-pocket expenses.

• Public Transportation - To save money on commuting, choose to travel around using the public ferries in the Maldives instead of seaplanes or speedboats.

Year-Round Checklist for Maldives Trip

Maldives Packing Checklist

• Swimwear

• Sunglasses

• Sunscreen

• Beach towels

• A light jacket

• Breathable clothes

• Flip-flops and other comfortable footwear

• Reusable water bottle

• Standard toiletries

Maldives Travel Checklist for Essentials

• Copies of all important documents

• A local SIM card

• A universal adapter

• Currency - both cash and card

• International driving licence (if you plan to drive a boat or any other vehicle in Maldives)

• First-aid kit

• Prescribed medicines

• Health certificate, if required

Optional Carry-Ons

• Travel insurance Maldives

• Snorkelling gear

• Light blanket

• Underwater camera

• Waterproof phone cover

• Hats

Maldives Safety and Precautions

1. Respect the local laws and customs of Maldives.

2. Do not participate in public displays of affection.

3. Be careful of your surroundings and go out in groups, especially at nighttime.

4. Follow all the respective guidelines for swimming, snorkelling and other water activities.

5. Save the Maldives emergency numbers 119 for police and 102 for ambulances in your phone.

6. Wear modest clothes when visiting religious sites, especially the mosques.

7. Avoid drinking alcohol outside your resort.

8. Do not buy or consume any drugs when in Maldives, as it implies strict anti-drugs laws.

Popular Destinations in Maldives

1. Atoll Transfer

2. No Bikini Beach

3. Hukuru Miskiiy Mosque

4. Fihalhohi Island

5. Maamigili

6. Alimatha Island

7. Grand Friday Mosque

8. Banana Reef

9. Vaadhoo Island

10. Dhigurah Island

11. Male City

12. Maafushi

13. Maldives Glowing Beach

Best Things to Do/Experience in Maldives

• Book a scuba diving session to discover the vibrant coral reefs and explore the diverse marine life of this island nation.

• Witness Mantas Ray's graceful dance session with the various marine creatures.

• Book an overwater bungalow for your accommodation to enjoy living in a space fully surrounded by crystal-clear waters.

• Hop on a sunset cruise to watch the sky turn into pastel shades of orange, yellow, and pink.

• Pamper yourself with a spa day to rejuvenate your body and relax your mind to make the most of your vacation.

• Opt for an island hopping cruise to discover the hidden islands and gems present in Maldives.

• Participate in various water adventures and activities such as snorkelling, windsurfing, paddleboarding, and jet skiing.

• Enjoy the highest quality of seafood prepared to your liking while learning about the Maldivian cuisine.

• Enjoy an underwater dining experience at restaurants such as Underseas Restaurant and Conrad Maldives.

Frequently Asked Questions On Maldives Travel Insurance

Can I extend my Maldives travel insurance policy?

Yes, you can extend your Maldives travel insurance policy if you purchase it from Reliance General Insurance. To do so, you must submit an Extension Form and a Good Health Declaration Form to our nearest branch office.

Is travel insurance a mandatory visa requirement for Maldives?

No, travel insurance is not mandatory to obtain a visa for Maldives. However, it is recommended that you buy Maldives travel insurance to secure your savings and yourself from medical and other emergencies.

What are some accommodation options in Maldives?

In Maldives, you can explore beach-facing hotel rooms, private overwater bungalows, local guesthouses, Airbnbs, and many other accommodations based on your budget and requirements.

Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy– Platinum Plan. Total loss of checked baggage: The maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of the applicable Sum Insured and per item in baggage max 10%.​

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