Travel Insurance for Maldives

Know more About Travel Insurance

The Republic of Maldives, more commonly known as the Maldives, is a small archipelagic South Asian country in the Indian Ocean. Consisting of 26 atolls, it is located southwest of Sri Lanka and India, with a landmass of 298 square kilometres and a territory spanning 90,000 square kilometres. According to the 2022 census, the Maldives has a population of 515,132, with a reported estimate of less than 562,000 for 2025, making it one of the least populated countries in Asia. 

Known for its vast array of aquatic activities, delectable delicacies, dynamic nightlife, rich cultural heritage, and many other attractions, the Maldives has been one of the most popular tourist destinations for years. With over 19 Lakh tourists visiting in 2024, Indian tourists accounted for around 1.3 lakh tourists due to the various aspects of the country and its proximity to India.

While the Maldives is a relatively safe destination for tourists worldwide, travellers should assess the travel advisories for accurate information. However, whether due to the travel advisory or not, all travellers planning a foreign trip are strongly recommended to buy Maldives travel insurance to secure their journey and travel with confidence and peace of mind.

What is Travel Insurance for Maldives?

Travel insurance is a type of insurance that protects individuals when they travel. Travel insurance Maldives lets travellers secure themselves and their trip from dozens of travel-related risks when travelling to Maldives. These risks can be medical or non-medical, ranging from lost baggage and missed connecting flights to trip cancellations and the need for emergency medical assistance. However, opting for the best travel insurance for Maldives from India can protect travellers from all of these risks by covering them and providing compensation or reimbursement for expenses borne by them.

Why Do You Need Travel Insurance From India to Maldives?

Travellers planning an international trip should opt for international travel insurance to secure their journey regardless of where or how safe they are. Not only is foreign travel expensive but there might also be various known and unknown risks that must be considered. 

For example, any sudden and abrupt change in environmental conditions, consuming contaminated food, or exposure to an allergen can result in health risks. Similarly, dozens of medical and non-medical travel-related risks need to be considered. In addition, as a domestic health insurance policy is not applicable for international travel, when faced with any risk, travellers might not have the support and have to face these risks alone. 

In addition to financial protection, travellers also benefit from having travel insurance in several other ways, such as gaining mental peace and confidence when facing these risks.

What are the Benefits of Having Maldives Travel Insurance?

Here are a few key benefits you can look out for when purchasing Maldives travel insurance from Niva Bupa:

• Niva Bupa offers travellers a simple, convenient, and affordable way to secure their trip to the Maldives with Maldives travel insurance.
• Coverage of up to $100,000 under Travel Insurance Maldives.
• Niva Bupa offers 24/7 emergency assistance to travellers with travel insurance for the Maldives. 
• Niva Bupa’s TravelAssure policy covers policyholders from expenses incurred due to medical emergencies, personal accidents, COVID-19, medical evacuation, repatriation, pre-existing diseases during emergencies, and more.
• Student travellers with student Maldives travel insurance are also covered for additional risks, including 100% coverage for pre-existing diseases, study interruption coverage, sponsor protection, dental treatment, maternity expenses, and more.

Travellers are also covered for non-medical risks, such as lost checked-in baggage or essential documents like passports and visas, missed connecting flights, trip delays, interruptions, and cancellations, as well as personal liability.

What is Covered Under the Travel Insurance for Maldives?

One of the most critical aspects of the decision-making process for a traveller looking to secure their trip with travel insurance is the specific coverage provided by the policy. 

Here is a list of critical coverages offered by Niva Bupa as part of its TravelAssure policy:

Delay or loss of checked-in baggage: 

This coverage offers partial or complete reimbursement for significant delay or loss. 

Missed connecting flight:

This coverage reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to the original flight running late. 

Loss of passport: 

This coverage reimburses you for the cost of applying for a new passport if the original is lost.

Dental treatment:

This coverage reimburses a pain-relieving dental treatment availed under anesthesia. 

Trip delay, cancellation, interruption: 

These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, canceled, or interrupted due to certain conditions mentioned in the policy document. 

Medical emergency (hospitalization): 

This coverage offers reimbursement for the cost of medical treatment.

Emergency outpatient treatment: 

This coverage reimburses any emergency treatment under OPD. 

Medical evacuation: 

This coverage reimburses the transfer cost from one hospital to another if the primary hospital does not offer appropriate care. 

Emergency trip extension: 

If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to 7 days. 

Personal accident: 

This coverage pays a portion up to the sum insured for accidental death or disability.

Repatriation of mortal remains: 

This coverage reimburses you for the cost of transporting the mortal remains of the traveler or the cost of cremation in the city/country of death. 

There might also be additional coverage options depending on the type of travel; thus, it is vital to check the policy document for clarity on what is covered.  

What is Not Covered Under the Travel Insurance for Maldives?

In addition to the coverages, travellers should consider the listed exclusions or what is not covered to make an accurate assessment and plan their trip accordingly. Not only is checking exclusions before the trip beneficial, but it also protects travellers from being unaware of what is not covered when claiming a settlement under the policy. 

Here is a snippet of some of the exclusions listed by Niva Bupa:

• Treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.

• Active participation in military exercises, war games, or engagement with the enemy.

• Any loss or injury due to committing or attempting to breach the law with criminal intent. 

• Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document.

• Maternity expenses.

• Non-prescription or unproven drugs or treatments.

• The provision of fitting hearing aids, spectacles, or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, and medical supplies, including elastic stockings, diabetic test strips, and similar products.

• If the insured person is travelling against the advice of a doctor or is receiving or on a waiting list for specified medical treatment.

• Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression.

• Countries with travel restrictions for Indians.

• Medical tourism.

• Damages resulting from adventure sports are not covered unless they are part of the coverage.

• Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

   

Travellers must also remember that this list is just a summary of the exclusions. It is beneficial to refer to the policy document for a complete list of all specific exclusions and to protect yourself and your loved ones from financial loss or a negative travel experience when travelling with travel insurance for Maldives from India.

Who Should Buy Niva Bupa Travel Insurance for Maldives?

Any traveller planning to buy holiday insurance Maldives should consider getting one from Niva Bupa. Niva Bupa is one of the most reputable and renowned insurance providers, offering a comprehensive solution for dozens of travel-related risks at an affordable price. Maldives travel insurance is designed for various regions, offering tailor-made benefits that consider local risks and provide the best possible coverage for your travel destination. Not just this, Niva Bupa enables travellers to buy travel insurance for the Maldives simply and intuitively, availing coverage in just a few minutes from anywhere, with a hassle-free claim settlement process that is quick and efficient.

What are the Eligibility Criteria for Travel Insurance in Maldives?

Travellers planning to buy insurance for their trip to the Maldives must consider the specific travel insurance requirements for the destination. This can help ensure the insurance purchase process is quick and effortless. 

Here are some Maldives travel insurance requirements from Niva Bupa to consider for your trip:

• Adults should be between the ages of 18 and 70.

• Dependent children can be up to the age of 25.

• Travellers must possess and furnish the mandatory documents, including copies of passports, visas, proof of income, and other relevant papers.

How Do You Buy Travel Insurance for Maldives Online?

Buying Maldives travel insurance is as simple as clicking a few buttons, filling in the required information, uploading relevant documents, and completing the purchase of the policy. With insurers like Niva Bupa enabling travellers to buy travel insurance for the Maldives in minutes, it is more convenient and effortless. 

Here is how you can buy travel insurance to secure your Maldives trip from Niva Bupa:

1. Visit the Niva Bupa website and click Travel Insurance in the header.

2. You can use the drop-down menu on that page to select the Maldives, the departure and return dates, and the phone number.

3. After clicking on view plans, you can fill in the traveller’s information, including the number of travellers and their age. 

4. Then, on the next page, you can check the destination-specific plans for Maldives. 

5. You can select your needs, such as whether you are going alone or with family, whether it is an independent trip or a corporate visit; there are also plans for students and senior citizens. 

6. Review and select the appropriate plans, change the sum insured to the amount you want to insure for your trip and choose any add-ons.

7. After this, click “Next” and fill out the relevant information and medical declaration to purchase the plan of your choice.

8. Once the payment is complete, the Maldives travel insurance policy will be emailed to you.

When to Buy Maldives Travel Insurance?

The best time to buy Maldives travel insurance is when booking your flight tickets. Travel insurance's most important benefits are trip delay, interruption, and cancellation coverage. So, suppose you have to cancel your trip due to any unavoidable circumstances (as listed in the policy document). In that case, you can avail yourself of reimbursement or compensation for the irrecoverable transport and accommodations costs, significantly reducing the financial impact when facing these risks. 

However, as this benefit is only applicable once the policy is in place, if the traveller delays buying the policy and has to cancel it, they will not be eligible for this compensation, which could result in financial loss.

What is the Process for Filing a Claim for Travel Insurance in Maldives?

Travellers who have secured their trip with travel insurance for Maldives from Niva Bupa can request a claim in a simple and hassle-free manner. By following the steps given below, you can avail of financial protection from covered risks:

1. To file a travel insurance claim, you first need to contact your insurer, Niva Bupa. 

2. You may also contact the global third-party administrator if you are travelling overseas.

3. You can raise a claim for travel insurance online, by mail, or in person. You can do so both while overseas and when you return to India.

4. You must submit a duly filled claim form along with the required documents based on the type of claim—for example, loss of baggage, trip cancellation, medical emergency, or death.

Besides this, one can make two types of claims in the case of a medical emergency. 

Cashless claim: 

Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

• The customer initiates the claim to Europ Assistance via a toll-free number or email. 

• The TPA - Europ Assistance will contact the customer and provide them with the required travel insurance Maldives details.

• Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.

• Europ Assistance will ask for the documents from the hospital and, after assessing the claim, will send them to Niva Bupa for approval, rejection, query, and investigation.

• Our medical team will approve the claim by e-mail.

• The GOP will be released to the hospital per the amount claimed.

• The hospital will contact the Europ Assistance team if any additional amount is required.

• At discharge, documents will be sent to Europ Assistance and approved accordingly.

• After discharge, the hospital will send the documents to Europ Assistance for settlement to the hospital.

Reimbursement Claim 

Mandatory Documents Required for Reimbursement Claims

1. Claim form
2. KYC
3. Cancelled cheque of the proposer
4. Discharge summary 
5. Final bill along with break-up
6. Payment receipt
7. All investigation reports 

What is the Latest Maldives Visa and Entry Information?

The Maldives is one of the easiest countries to travel to from India. Indian tourists planning a trip to the Maldives can easily obtain a visa on arrival for a 30-day stay at no additional cost. This enables tourists to explore, enjoy, and experience all that the Maldives has to offer without having to obtain a tourist visa. If this time is insufficient, travellers can also extend the visa for up to 60 more days for just MVR 750 (around ₹4,268).

What are the Travel Documents Required While Travelling from India to the Maldives?

A traveller planning a trip to Maldives should carry a few documents when visiting Maldives. Here are a few key documents to keep in mind and take with you when travelling to Maldives:

1. A valid passport with at least six months of validity
2. A confirmed return ticket or onward journey ticket
3. Confirmed hotel booking at a registered hotel for the entire duration of your visit
4. Proof of sufficient funds for the visit
5. Travel declaration

When is the Best Time to Visit the Maldives?

Travellers planning a trip to Maldives should note that the best time to visit the Island Nation is between December and March. This is because it is typically a dry season with pleasant weather, making it the best time for sightseeing, water sports, and cultural activities. However, as this is the peak tourist season, costs may be relatively high, and the islands may be busier. Please keep this in mind when planning your trip.

Popular Indian Restaurants to Check Out in the Maldives

The Maldives, a popular tourist destination especially among Indian tourists, offers numerous Indian restaurants to explore during a visit to the country. Some of these restaurants are accessible to everyone, while others are attached to private resort islands. Here is a list of some of these popular restaurants: 

1. Tandoori Flames: A popular restaurant known for its authentic North Indian and Pakistani cuisine.
2. Acha's Poppadums: Specialises in both North and South Indian food.
3. Bombay Darbar: Known for serving authentic Indian delicacies prepared by Indian chefs.
4. Naga's Indian Restaurant: Praised for its rich and aromatic dishes and vibrant ambience.
5. Symphony Restaurant: A long-standing restaurant that offers Indian, Indonesian, Chinese, and Western-style food.

Dos and Don’ts to Remember When Visiting the Maldives

The Maldives is an Islamic nation, and while resort islands are generally lenient, a different set of rules and customs applies when visiting local islands or the capital city of Malé. Being mindful of these cultural differences is key to a respectful and enjoyable trip. Here are some key dos and don’ts to remember when travelling to the Maldives:

• Dress modestly, especially on local/non-resort islands.
• Ask for permission before taking photos of anyone, especially women.
• Use your right hand, as the left hand is often considered unclean
• Refrain from eating, drinking, and smoking in public during daylight hours during the holy month of Ramadan
• Do not touch or stand on coral reefs, as it can cause significant damage.
• Avoid littering and use reef-safe sunscreen to protect marine life.
• Do not bring alcohol or pork products yourself. Some resorts may have a liquor license where you can consume alcohol if desired.
• Avoid public displays of affection, especially in local islands.
• Discuss the taxi ride price beforehand or use a ride-sharing app.
• Don't touch marine life when snorkelling or diving. 
• Do not bring banned religious items.