Travel Insurance for Sri Lanka

Sri Lanka is a tiny island with everything packed in: colossal ruins at Sigiriya, emerald tea estates in Nuwara Eliya, blue whales off Mirissa, serene temples, spice-laden markets, and postcard-perfect beaches. For Indian travellers, it’s close, familiar in flavour, yet refreshingly different in culture and scenery - a perfect short break or a slow, scenic escape.

However, even the best-planned trips can go awry if not executed well. A missed connection in Colombo, a sudden stomach bug, a sprained ankle on Adam’s Peak or a lost passport can quickly drain time, money and energy. Medical bills abroad, last‑minute rebookings or emergency hotel stays aren’t just stressful, they’re expensive.

That’s exactly where IndusInd General Insurance (previously Reliance General Insurance) helps. It cushions you against medical emergencies, trip delays or cancellations, baggage or passport loss and more, so an unexpected mishap doesn’t turn into a financial setback. And if something does go wrong, claiming is effortless with the IndusInd Insurance app. Raise and track your claim in minutes, upload documents digitally, and get quick, cashless approvals at any local hospital in Sri Lanka. Access 24/7 support right from your phone.

Travel light, explore freely and let us take care of the sudden bills while you sip that perfect cup of Ceylon tea in your next Sri Lankan adventure.

Why to - H2

Why 8 Crore+ Policyholders Choose Us?

Exploring Sri Lanka should be about tea trails, beaches and heritage, not bills, delays or lost baggage. IndusInd Sri Lanka Travel Insurance (formerly Reliance Travel Insurance) provides you with affordable and dependable protection, ensuring that every unforeseen trip-related issue is taken care of.

Location - Travel Insurance

$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in Sri Lanka

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

Just apply, pay and download!

Benefits of Buying Sri Lanka Travel Insurance

Medical Coverage

Sri Lankan food, kottu roti, hoppers, spicy seafood, is delicious, but if it upsets your stomach or you twist an ankle hiking Ella Rock, your hospital bills are covered. We offer medical coverage up to USD 500,000*, and USD 500* for emergency dental care.

Passport Loss

Lost your passport on the scenic Kandy–Ella train, at Pettah Market or while island‑hopping? We cover up to USD 300* to get you a replacement, so your trip (and return) stay on track.

Flight Delays & Connecting Flights

Festive seasons, such as Vesak or the Kandy

Esala Perahera, can cause congestion at

Bandaranaike International Airport. If your

flight is delayed by more than 12 hours, you

receive up to USD 60 per day*.

Baggage Support

Reached Colombo, but your bags didn’t? For checked-in baggage delays exceeding 12 hours, you receive up to USD 100* to purchase essentials. If it’s declared lost, you’re covered up to USD 1,500*.

Personal Liability

Renting a scooter in Mirissa or Arugam Bay

and accidentally scratching a parked

vehicle or knocking over a vendor’s cart can

get costly. Our personal liability cover

protects you up to USD 200,000*, so you

don’t pay out of your pocket.

Emergency Cash

Misplaced your wallet at Galle Fort, on a crowded tuk‑tuk ride or at a beach shack in Unawatuna? We’ll provide up to USD 300* as emergency cash to help manage food, transport, and accommodation until you sort out your cards and payments.

Key Features

Key Features of IndusInd Sri Lanka Insurance

Individual Travel Plan

Are you planning a solo trip to Sri Lanka? The IndusInd Sri Lanka Travel Insurance (formerly Reliance Sri Lanka Travel Insurance) Individual Plan protects just you, covering medical emergencies, lost passports, delayed/lost baggage, and much more. Here are some of its most stunning features:

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

Travelling to Sri Lanka with the whole family? The IndusInd Sri Lanka Travel Insurance (formerly Reliance Sri Lanka Travel Insurance) Family Plan provides shared coverage of up to USD 250,000* for all family members. One policy, one claim process, zero confusion. Here’s what else you can get:

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 Sri Lanka 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.

Last-minute Sri Lanka trip?

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How to Buy?

How to Buy IndusInd Sri Lanka Travel Insurance?

Buying IndusInd Sri Lanka Travel Insurance (formerly Reliance Sri Lanka Travel Insurance) is quick, fully digital and takes just a few minutes. Follow the steps below to get your policy before boarding your flight to Sri Lanka:

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 Sri Lanka 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 Sri Lanka travel insurance plan instantly via email.

Homepage Curated Plans Client Extension

How to Claim?

How to Claim IndusInd Sri Lanka Travel Insurance ?

Filing a claim under your IndusInd Sri Lanka travel insurance policy is easy! For medical claims, all you need to do is submit your policy details at the hospital reception to get cashless medical coverage. And for non-medical claims like flight delays, trip cancellations, lost checked-in luggage, etc., open your IndusInd Insurance app and tap “InstaClaim”.

Here are the details and documents you will need to provide when filing a claim. These will need to be scanned and emailed to us at indusind@europ-assistance.in –

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 Sri Lanka

Planning a trip to Sri Lanka from India? Here are the six visa types to consider, so you can choose the one that best suits your purpose. However, even though Sri Lanka is offering a Free Visa for Indians at the moment, you need to get an Electronic Travel Authorisation (ETA) if you are applying for a Tourist, Business or Transit Visa.

Free Visa

Sri Lanka ran a pilot in 2024, offering fee-free 30-day tourist visas to seven nationalities, including Indians. Always recheck the Department of Immigration & Emigration/ETA portal before submitting your application. The waiver has been extended/updated a few times and can change without notice.

Tourist Visa

For holidays, visiting friends/relatives, cultural/sports events, or even short medical treatments. Usually issued for 30 days (double entry) and extendable up to 6 months.

Business Visa

This lets you visit for short periods for meetings, conferences, training, or other business activities, and it can be issued forsingle or multiple journeys. You can apply online for a Business ETA before you fly, and if you need more time, you can request an extension from the Department of Immigration & Emigration.

Transit Visa

A Transit Visa is intended for travellers passing through Sri Lanka for a brief stay (up to 2 days) en route to another country, including seafarers entering Sri Lanka to join a vessel as a crew.

Residence Visa

This allows a non-Sri Lankan to live in Sri Lanka for a specific, officially approved purpose (e.g., work, study, dependents, etc.). It’s granted only when the authorities are satisfied that your stay and activities won’t harm the country’s interests and fit the rules of the relevant residence category.

Spouse Visa

Foreign spouses of Sri Lankan citizens and their dependent children are eligible to apply for this residence visa. Applications are processed only at the Department of Immigration & Emigration in Colombo.

Embassy Contact Details: Sri Lanka and India

Parameters	Sri Lanka Embassy in India	Indian Embassy in Sri Lanka
Location	New Delhi, India	Colombo, Sri Lanka
Address	High Commission of Sri Lanka, No. 27, Kautilya Marg, Chanakyapuri, New Delhi 110021, India.	High Commission Of India, 36-38 Galle Road, Colombo-3
Contact Number	0091 11 23010201, 23010202, 23010203	2326921/2421605/2422788/2327587
Email Address	slhc.newdelhi@mfa.gov.lk	hc.colombo@mea.gov.in
Website	https://www.slhcindia.org/	hcicolombo.gov.in
Operating Days	Monday - Friday	Monday - Friday
Operating Hours	9:00 am - 5:00 pm	9:00 am - 5:30 pm

Best Time to Visit Sri Lanka

Are you planning a trip to Sri Lanka anytime soon? Wait! First, check when the right time to go there is, according to your interests. Here is a handy comparison table to help you plan your trip better:

Dec to Apr

What to Expect: Mostly dry,

sunny weather with

temperatures around 22–

32°C. Great beach time plus

clear skies for Sigiriya.

Perfect for: First‑time

travellers, family trips, beach

holidays, whale watching,

Adam’s Peak pilgrimages.

Tourist Flow: Heavy

Flights & Hotel Rates:

Highest of the year.

Return Airfare from India

(Approx): ₹18,000 - ₹30,000*.

Keep in Mind: Book

flights/hotels early.

Sep to Nov

What to Expect: Mixed weather with short showers & plenty of sunny windows, and humidity stays high. Temperatures ranging from 25-31°C.

Perfect for: Value seekers, culture trips with fewer crowds.

Tourist Flow: Moderate

Flights & Hotel Rates: Lower than peak season and a good time for deals.

Return Airfare from India (Approx): ₹18,000 - ₹28,000*

Keep in Mind: Pack a rain jacket and check daily forecasts if you’re moving across regions.

May to Aug

What to Expect: Southwest monsoon hits the west & south coasts and the hill country. The temperature ranges from 26-30°C.

Perfect for: East‑coast beach breaks, surfers at the Arugam Bay peak.

Tourist Flow: Light to moderate

Flights & Hotel Rates: Resorts fill up during surf season.

Return Airfare from India (Approx): ₹16,000 - ₹26,000*

Keep in Mind:Do visit the stunning beaches and visit the hill country sights, expect showers.

Interesting Facts About Sri Lanka

Eight UNESCO Sites, One Small Island: Sri Lanka squeezes 8 UNESCO World Heritage Sites into a tiny landmass, from Sigiriya to the Central Highlands.

World’s First Woman Prime Minister: In 1960, Sirimavo Bandaranaike became the first female prime minister in the world.

The Oldest Human-Planted Tree: Jaya Sri Maha Bodhi in Anuradhapura is the oldest living tree planted by humans, with a recorded date of 288 BC.

Leopard Hotspot: Yala National Park is famed for having one of the highest leopard densities on Earth.

The Great Elephant Gathering: Each dry season, over 300 Asian elephants converge at Minneriya National Park, one of the largest gatherings of its kind in the world.

A Bucket‑List Train Ride: The Kandy - Ella rail journey is regularly praised as one of the world’s most beautiful train rides.

See the Biggest Animal on the Planet: You can spot blue whales and dolphins off Mirissa, Trincomalee and Kalpitiya, making Sri Lanka a top whale‑watch destination.

The Home of “True” Cinnamon: Sri Lanka produces the lion’s share of the world’s “true” Ceylon cinnamon, most loved worldwide for its delicate flavour.

Nature and Culture, Side by Side: Of Sri Lanka’s 8 UNESCO sites, 2 are natural, including the Sinharaja Forest Reserve and the Central Highlands, and 6 are cultural, making it easy to combine them in one trip.

The Buddha’s Tooth Relic in Kandy: The Temple of the Tooth, Sri Dalada Maligawa, in Kandy, houses a sacred tooth relic of the Lord Buddha, believed to have been brought from India in the 4th century CE.

Essential Apps for Your Sri Lanka Trip

Food Delivery

In Sri Lanka, PickMe and Uber Eats allow you to browse menus from numerous restaurants and have meals delivered straight to your door. For any kind of online purchase, along with food delivery, Quickee is another very famous app in Sri Lanka.

Accommodation and Hotel Booking

Booking stays in Sri Lanka is easy with apps like Booking.com, Agoda and Expedia. They list numerous hotels, hostels and resorts. For apartments, villas or homestays, try Airbnb for more unique options.

Navigation

Use Google Maps for detailed routes and live

traffic. Maps.me is handy when you’re

offline. For local alerts, Gamana (a Sri

Lankan app) shows real‑time traffic, police

spots, and roadblocks.

Transport

The most famous is PickMe, Sri Lanka’s go‑to transport app. Here, you can book tuk‑tuks, cars, vans, and even get food delivered. Tgo and JRide are smaller alternatives that also offer ride‑hailing and delivery services.

Sightseeing and Events

Exploring Sri Lanka is easier with apps like

GetYourGuide and Viator. GetYourGuide

offers a diverse range of activities, while

Viator helps you secure spots at popular

sights and experiences.

Other Useful Apps & Websites

Pick up a local SIM at the airport, Dialog or Mobitel, as it’s far cheaper than using your Indian number on roaming. You can book train tickets on the Sri Lanka Railways online reservation site. But remember that you’ll still need to print the physical ticket at your boarding station.

Key Takeaways

Sri Lanka is booming with Indian tourists. India remains the island’s foremost source market in 2025, contributing a high percentage of total arrivals. From January to June 2025 alone, 241,994 Indians visited the country. With Indians travelling abroad in bigger numbers, travel policy purchases also rose, signalling that flyers now want a solid buffer against medical bills, flight disruptions, and lost baggage.

Imagine this: you twist your ankle hiking Ella Rock, your return flight from Colombo is delayed overnight, or your checked-in bag goes missing. Medical bills, extra hotel costs and emergency purchases can quickly snowball, unless you’re covered.

That’s where IndusInd General Insurance (formerly Reliance General Insurance) steps in. With high medical coverage of up to USD 500,000*,

delay/cancellation support, and 24/7 assistance, you are supported throughout your trip. You can store and claim through the IndusInd Insurance app, so help is always a tap away. With us, you can travel lighter, financially and mentally

Author - Location Travel

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.

Sri Lanka Travel plans starting at just ₹306*

Insure Your Trip to Sri Lanka Today!

From Ella’s misty trails to Mirissa’s turquoise waves, you stay protected with IndusInd Sri Lanka travel insurance. We keep your journeys worry-free while we handle the what-ifs!

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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)

Do I need a travel adapter? What plugs/voltage does Sri Lanka use?

Sri Lanka uses Type D, G & M plugs and 230V/50Hz power. However, to be on the safe side, make sure to carry a universal adapter.

Can I drive in Sri Lanka with my Indian licence?

You generally need an International Driving Permit, plus a temporary Sri Lankan recognition/driver’s permit. From August 3, 2025, BIA airport will issue temporary driving permits upon arrival.

Is travel insurance mandatory for Sri Lanka?

Not mandatory for Indian travellers at the moment. Sri Lankan immigration doesn’t insist on having a specific policy. That said, many airlines, tour operators and visa‑extension applicants prefer to see coverage. Therefore, you should purchase a plan that meets your trip needs.

Can I purchase travel insurance after booking my tickets?

Absolutely. You can purchase IndusInd Sri Lanka Travel Insurance at any time before departure, even minutes prior. Coverage starts from the policy start time, so don’t wait till you’re already in Colombo; events that occur before the start date/time aren’t payable.

Can I extend my IndusInd Sri Lanka Travel Insurance while I’m already in Sri Lanka?

Yes, before your policy expires, you can usually request an extension. However, this is subject to no prior claims, unchanged health status and insurer approval.

Can I pay in Sri Lanka using UPI?

Yes. LankaPay now accepts Indian UPI payments (e.g., PhonePe) at LankaQR merchants, so you can scan and pay in INR with live FX conversion. However, we still recommend carrying hard cash. Another useful tip is to carry US dollars if you want to save money. You’ll get a far better exchange rate than buying LKR directly in India or exchanging Indian rupees. Get US Dollars in 100 denominations, as they have a higher demand.

Do Indians need a Yellow Fever certificate?

Only if you’re arriving from, or transiting for more than 12 hours through, a Yellow‑Fever‑risk country. Otherwise, Indians don’t need it if you are travelling directly from India.

Is getting mobile data easy in Sri Lanka? Do they support eSIMs?

Yes. Dialog and other operators support eSIMs, and global eSIM providers (such as Airalo and Nomad) piggyback on local networks for 4G/5 G connectivity.

Is KYC mandatory to buy travel insurance from India?

Yes. IndusInd General Insurance follows IRDAI’s rule, so KYC is compulsory. You’ll need to complete e‑KYC with PAN and passport (and, if asked, Aadhaar) for every insured traveller. You can do it within minutes if you’ve got your documents stored on DigiLocker.

Is baggage cover really worth it?

Yes. Bags do go missing or arrive late. With IndusInd, you’re covered for a checked-in baggage delay of 12 hours or more and total loss.