Travel Insurance for Maldives

The Maldives captivates travellers with its pristine white-sand beaches, crystal-clear turquoise waters and world-class overwater bungalows that create an unparalleled tropical paradise experience. This stunning archipelago features luxury resorts across North Malé Atoll and vibrant coral reefs in South Ari Atoll, consistently earning recognition as one of the world's top romantic getaway destinations.

While the excitement of planning your Maldivian escape is undeniable, the practical considerations of travelling to this remote destination make travel insurance absolutely essential. For instance, if your luggage gets delayed during your connecting flight to Malé, IndusInd travel insurance (formerly Reliance travel insurance) provides immediate claim payouts to purchase essential beachwear and toiletries without disrupting your precious vacation days.

Similarly, discovering your passport is missing just before departure can create instant panic about your dream trip, but travel insurance provides immediate assistance with emergency documentation. This complete coverage reduces disasters to minor inconveniences and provides financial protection.

These scenarios are just a small part of how travel insurance makes your Maldives journey effortless and safe. With 24/7 support and digital claims processing with the IndusInd Insurance app, you gain the freedom to focus entirely on snorkelling in clear waters and enjoying sunset dinners without worrying about unexpected challenges.

Why to - H2

Why 8 Crore+ Policyholders Choose Us?

A health insurance plan covers for these unexpected medical expenses, ensuring you don't have to bear the financial burden. You can focus on getting the medical care you need without worrying about the cost. In simple terms, health insurance helps you to reduce or avoid a larger financial stress by paying a comparatively smaller premium.

Location - Travel Insurance

$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in Maldives

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

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Benefits of Buying Maldives Travel Insurance

Medical Coverage

While enjoying an exciting jet ski adventure across the Maldives' pristine lagoons, you feel slightly dizzy from the tropical sun. Island medical consultations can be costly due to specialised resort healthcare services. Our Maldives travel insurance provides comprehensive medical protection with coverage up to $500,000* for medical expenses and $500* for emergency dental treatments, ensuring carefree tropical adventures.

Flight Delays & Connecting Flights

You're travelling to the Maldives through multiple connections when tropical weather conditions delay your seaplane transfer to your resort island. Extended flight delays mean unexpected overnight stays in Malé. Our travel insurance covers delays exceeding 12 hours, providing up to $60* daily compensation for accommodation and meal expenses during these unavoidable travel schedule changes in paradise.

Baggage Support

After landing at Velana International Airport with dreams of your luxurious water bungalow experience, you learn that your luggage containing tropical vacation essentials took a different flight route. Fortunately, our baggage protection handles exactly these situations, offering up to $100* for delays over 12 hours and up to $1,500* coverage if your checked-in luggage is lost.

Passport Loss

During your relaxing sunset dolphin cruise in the Maldives, your travel documents accidentally slip from your day bag into the ocean while taking photos. Replacing important travel papers in remote tropical islands involves special procedures and costs. This scenario is exactly why we include passport replacement coverage, protecting you with up to $300* for replacement expenses, including all necessary documentation fees and emergency reissue costs.

Personal Liability

While enjoying water sports activities at your Maldives resort, you accidentally damage the expensive snorkelling equipment during your guided excursion. Property damage incidents can create unexpected financial responsibilities during your tropical vacation. That's when our personal liability coverage proves its worth, protecting you with up to $200,000* against compensation claims and related expenses throughout your island getaway.

Emergency Cash

You're enjoying a thrilling speedboat excursion to explore nearby coral gardens when your wallet accidentally falls overboard during the exciting ride across choppy waters. Losing access to your cards and cash in the middle of the ocean creates immediate financial challenges for remaining vacation activities. IndusInd travel insurance provides emergency cash up to $300*, which will cover your immediate expense support until replacements arrive.

Key Features

Key Features of IndusInd Maldives Insurance

Individual Travel Plan

IndusInd Thailand Travel Insurance provides all-around protection for your trip against a range of disruptions. Our individual travel plan offers comprehensive protection for one traveller, so it's a great addition to any solo trip to Thailand. Here are the key features and coverage limits of this plan that make it a standout choice.

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

Why buy 4 separate plans when you can buy one plan to cover your family of 4! Our family travel insurance plan offers coverage up to $250,000*, and this coverage is shared among all family members. This makes policy handling and claims processing a lot easier since you'll just be using one plan to cover your entire family during your trip.

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Disclaimer: Please refer to the official policy documents for detailed information linked here.

Inlcusion Exclusion

IndusInd Maldives Insurance: Inclusions & Exclusions

Location - Travel Insurance

What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

Location - Travel Insurance

What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy document for detailed inclusions and exclusions.

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How to Buy?

How to Buy IndusInd Maldives Travel Insurance?

Anyone who is above 18 years of age, have completed education up to at least 10th Standard and has a valid Aadhaar card & PAN card. For instance, below are few categories who can be benefited the most.

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Maldives as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your Maldives travel insurance plan instantly via email.

Homepage Curated Plans Client Extension

How to Claim?

How to Claim IndusInd Maldives Travel Insurance ?

Location Travel Insurance

Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

Location Travel Insurance

Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.

Types of Visas for the Maldives

The Maldives offers various visa categories for different travel purposes, including tourism, business, work and family visits. Indian citizens can obtain a free 30-day tourist visa on arrival at Velana International Airport (Male). This is the primary international airport serving the country. No advance visa application is issued upon arrival after presenting the necessary documents and completing entry requirements.

Tourist Visa

Tourist visa is granted to all nationalities upon arrival for 30 days without requiring any pre-approval from immigration authorities. You need a valid passport with a minimum of one month's validity, confirmed return tickets, prepaid hotel booking and sufficient funds for your stay. Fill out the traveller declaration form within 96 hours before flight departure through the IMUGA platform.

Meeting Visa

A meeting visa is a 14-day short-stay visa for attending conferences, meetings or conventions held in the Maldives. Available since May 2023, this non-extendable visa requires a confirmed accommodation booking, return flight tickets, sufficient financial funds and a valid passport with MRZ. Cannot be converted to a business visa while staying in the country.

Work Visa

A work visa allows foreign nationals to stay in the Maldives for employment purposes with proper documentation. Your employer must apply for your work visa within 15 days of your arrival through the Xpat Online System. During this 15-day period, you must complete a mandatory medical checkup and obtain health insurance coverage. Failure to secure the work visa within this timeframe may result in deportation penalties

Marriage Visa

A marriage visa is issued for foreign nationals who are married to Maldivian citizens and wish to reside in the country. Requires prior sponsorship through the IMUGA digital platform before arrival at immigration checkpoints. After arrival, complete the legal marriage registration process and apply within the 30-day mandatory period. First visa is issued for a one-year duration, and extensions are granted for 5 years.

Dependent Visa

A dependent visa is designed for family members of foreign nationals holding valid work visas in the Maldives. Requires a valid passport with a minimum of six months' validity, proof of relationship through a marriage certificate or birth certificate, a medical screening report from authorised hospitals and payment of required fees. Applications must be submitted through the IMUGA platform online system.

Business Visa

Business visa applications must be submitted through the Ministry of Economic Development's official business portal for processing. Granted for a minimum of 30 to a maximum of 90 days duration, with a total limit of 180 days per calendar year. Requires a clear passport copy, a recent photograph meeting immigration standards and verification that the applicant doesn't hold other visa types currently in the Maldives.

Embassy Contact Details: India and the Maldives

Parameter	Maldives Embassy in India	Indian Embassy in the Maldives
Country	India	Maldives
Location	New Delhi	Hulhumale Phase-I
Address	C-6/11, Block-C, VASANT VIHAR NEW DELHI 110057	Lot No. 11499 N1 56 (E) Hithigas Magu, Goalhi - 4 Hulhumale Phase-I, Maldives
Contact Number	91-11-41435701	(960) 4004176, (960) 4004177
Email Address	admin@maldiveshighcom.in	hc.male.mea.gov.in
Website	https://maldiveshighcom.in/	https://www.hcimale.gov.in/
Operating Days	Monday to Friday	Monday to Friday
Operating Hours	09:00 AM - 04:00 PM	9:00 AM to 5:30 PM

Best Time to Visit the Maldives

HDecember to April

What to Expect: Dry season with less rainfall, temperatures ranging 25-30°C. Clear skies, calm seas and perfect beach weather across resorts like Four Seasons at Kuda Huraa and Conrad Maldives Rangali Island.

Perfect for: Water sports, snorkelling at Banana Reef, diving in Manta Point, island hopping, spa treatments and romantic dinners on sandbanks.

Tourist Flow: Highest crowds, especially around Christmas and New Year.

Flights and Hotel Rates: Most expensive period. Luxury resorts charge premium rates.

Return Airfare from India (Approx): ₹45,000 - ₹80,000* per person

Keep in Mind: Book resorts 3-6 months in advance. Expect higher costs but guaranteed sunshine for your Velassaru or Sun Island stay.

May & November

What to Expect: Transitional weather with temperatures reaching low 30°Cs. A mix of sunny days and occasional showers. Good conditions at resorts like Maafushivaru and Kurumba Maldives.

Perfect for: Budget-conscious travellers, photography enthusiasts, diving (great visibility) and exploring local islands like Thulusdhoo and Guraidhoo.

Tourist Flow: Moderate crowds, more peaceful atmosphere at popular spots like Fihalhohi and Meeru Island.

Flights and Hotel Rates: 20-30% cheaper than peak season. Good deals are available at mid-range resorts.

Return Airfare from India (Approx): ₹35,000 - ₹55,000* per person

Keep in Mind: Rain showers offer bursts of relief from the heat. Pack light rain gear for outdoor activities at Centara Ras Fushi.

June to October

What to Expect: Wet season with most rainfall between June-September. Temperatures 27-29°C with high humidity. Surfing season at spots like Cokes and Chickens.

Perfect for: Budget travellers, surfers, spa retreats and experiencing local culture. Great for surfing camps at Cinnamon Dhonveli and Six Senses Laamu.

Tourist Flow: Lowest crowds, peaceful resorts like Embudu Village and Fun Island offer intimate experiences.

Flights and Hotel Rates: Cheapest time to visit with significant discounts. Budget resorts offer excellent value.

Return Airfare from India (Approx): ₹25,000 - ₹45,000* per person

Keep in Mind: Frequent rain showers and rough seas may limit water activities. Indoor activities at resorts like Kandima and Oblu Select are recommended.

Interesting Facts About the Maldives

World's Flattest Country: The Maldives is the flattest nation globally, with an average altitude of just 1.8 meters above sea level.

Underwater Cabinet Meeting: In 2009, the Maldivian President held the world's first underwater cabinet meeting to raise climate change awareness.

Unique White Sand Beaches: Maldivian beaches have rare coralline white sand, found in only 5% of the world's beaches globally.

Muslims-Only Citizenship: According to the Maldives constitution, only Muslims are allowed to become citizens of this island nation officially.

Different Weekend Schedule: Unlike most countries, the Maldives observes Friday and Saturday as weekend days instead of Saturday and Sunday.

Ancient Cowrie Shell Currency: Historically, cowrie shells served as international trading currency in the 1800s throughout the Maldivian islands extensively.

Marine Turtle Paradise: The Maldives hosts five of the world's seven marine turtle species, including hawksbill, green and olive ridley turtles.

Coconut Tree Symbol: The coconut palm serves as the Maldives' national tree, adorning the flag and providing essential resources historically.

Traditional Mobile Homes: Ancient Maldivian houses were built with wood and designed to be dismantled and relocated due to erosion.

Equatorial Sunlight: Located near the equator, the Maldives receives direct sunlight at a ninety-degree angle, ensuring year-round warm tropical weather.

Essential Apps for Your Maldives Trip

Accommodation and Hotel Booking

Finding the perfect stay requires multiple booking platforms for comprehensive resort comparison and selection. Booking.com, Agoda, Expedia and Hotels.com offer extensive Maldivian accommodations with detailed reviews, photos and competitive pricing for various budgets.

Navigation

Getting around tropical islands requires reliable navigation tools for smooth exploration and location finding. Google Maps, Maps.me, Waze and HERE WeGo provide essential island navigation, offline maps and help locate beaches, restaurants and attractions efficiently.

Transport

Moving between islands and within cities needs reliable transport booking applications for seamless travel. Gaadiya, Grab, Uber and Bolt offer taxi rides and local transportation services. Most inter-island transport requires advance booking through operators.

Sightseeing and Even

Discovering local attractions and cultural events enhances your tropical vacation experience through dedicated tourism applications. Visit Maldives, TripAdvisor, GetYourGuide and Klook provide comprehensive information about activities, tours, cultural landmarks and seasonal celebrations.

Food Delivery

Enjoying local cuisine becomes convenient with food delivery services for island dining and meal ordering. Foodies, Gaadiya, Uber Eats and Deliveroo deliver restaurant meals directly to your location with various cuisine options.

Other Important Apps

Managing finances and essential services requires local payment applications for convenient transactions and bill management. Payer, FahiPay, BML Mobile Banking and Wise handle payments, transfers and currency exchange efficiently.

Key Takeaways

The Maldives represents a dream destination for Indian travellers, but its remote island location creates unique challenges that make travel insurance absolutely essential. With India emerging as Asia's largest source market for outbound travellers with a remarkable 190% year-on-year growth, more Indians are venturing to exotic destinations like the Maldives, making comprehensive travel protection increasingly important.

This surge means the need for reliable travel protection has never been more critical. From expensive resort medical facilities to complex seaplane transfers between atolls, unexpected situations can quickly turn paradise into costly problems without proper coverage.

This growing travel demand has led to increased awareness about comprehensive protection, which is where IndusInd travel insurance (formerly Reliance travel insurance) excels. We stand out with industry-leading features, including $500,000 maximum medical coverage, a quick claim settlement process and 24/7 global customer support.

Our digital-first approach through the IndusInd Insurance app enables instant policy purchases and seamless claims processing, eliminating traditional paperwork hassles while serving over 5 crore satisfied customers.

Given the Maldives' unique challenges, including remote locations, expensive medical facilities and complex inter-island transportation, our comprehensive coverage becomes invaluable. We address every scenario from delayed seaplanes to lost passports during dolphin cruises. Starting at just ₹306*, our affordable plans make premium protection accessible to all travellers without compromising on quality.

With competitive pricing, extensive coverage and superior customer service, IndusInd General Insurance represents the smart choice for Maldives travellers seeking reliable protection for their dream getaway.

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Maldives travel insurance plans starting at just ₹306*

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4.7 ★ ★ ★ ★ ★ (45)

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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Frequently Asked Questions (FAQs)

Is the Maldives visa free for Indians?

Yes, the Maldives offers a visa-on-arrival for Indian citizens free of charge. You can stay up to 30 days without requiring a visa. Simply carry your valid passport with at least 6 months' validity, return flight tickets and proof of accommodation to enter this beautiful island nation.

Is travel insurance a mandatory visa requirement for the Maldives?

No, travel insurance is not mandatory for Indian citizens visiting the Maldives since no visa is required. However, having travel insurance is highly recommended to protect against medical emergencies, trip cancellations, baggage loss and other unforeseen circumstances during your island vacation.

Can I extend my Maldives travel insurance policy?

Yes, you can extend your Maldives travel insurance policy with IndusInd General Insurance. Contact us with an extension request form and health declaration. Extension must be requested before your current policy expires to maintain continuous coverage throughout your trip.

How much will a Maldives trip cost?

A Maldives trip typically costs between ₹50,000* to ₹2,00,000* per person, depending on your accommodation choice, duration and activities. Budget guesthouses cost less, while luxury resorts are more expensive. Flight tickets, meals, water sports and shopping add to the overall expense of your tropical vacation.

How many days in the Maldives is enough?

A 4-7 day trip to the Maldives is ideal for most travellers. This duration allows you to enjoy water activities, island hopping, spa treatments and relaxation. Shorter trips feel rushed, while longer stays can be expensive. Plan according to your budget, available leave and preferred activities for the perfect experience.

When should I buy travel insurance?

Purchase travel insurance immediately after booking your Maldives trip or at least 15-30 days before departure. Early purchase ensures maximum coverage benefits, including trip cancellation protection. Buying closer to travel dates may limit coverage options and benefits, so it's always better to secure protection early in advance.