Are you dreaming of a perfect vacation to the stunning Maldives? Before you start packing and getting your travel documents ready, there's an essential item you shouldn't overlook: travel insurance. Whether exploring the Maldives' serene beauty or enjoying the luxurious overwater bungalows, ensuring your trip is financially protected is crucial. You must secure your Maldivian adventure with the right international travel insurance from India, including options for comprehensive international coverage.
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The Maldives, a small island nation nestled in the vast Indian Ocean, has become a top global destination. Its stunning beaches, vibrant marine life, unique archipelago, and luxurious resorts draw tourists from around the world. But have you bought Maldives Travel Insurance? If you really want to enjoy your stay in the Maldives, buying Maldives travel health insurance is crucial.
The Maldives travel insurance plan provides comprehensive assistance for medical emergencies, including consultation, global cashless hospitalisation, and transportation. Travel insurance for Maldives also protects against unforeseen challenges like lost luggage or passports, non-refundable ticket costs due to trip cancellation, and flight disruptions. Additionally, it offers global on-call and on-ground support for ambulance services, medical tele-consultation, hospitalisation, passport replacement, and luggage recovery.
If you are unsure whether to purchase Maldives travel insurance, here are a few reasons to consider buying Travel Insurance for Maldives.
While visiting the Maldives, you may encounter unexpected expenses related to losing your travel money, requiring medical treatment for an accidental injury, or accidentally damaging someone's property. With Maldives travel insurance, you can protect yourself from the financial consequences of such situations.
If you experience a medical emergency during your Maldives trip, it can drain your money. In such cases, having international travel insurance for Maldives trip can be incredibly helpful, as you can file a claim to receive financial assistance for your medical emergency.
If your luggage is delayed, stolen, or misplaced, our travel insurance plans will cover the cost of replacement products and compensate you for lost luggage. This offers financial assistance and support while you wait for your goods.
Whether you must cut your Maldives trip short or cancel it entirely due to an unexpected medical emergency, Maldives travel insurance with a trip cancellation benefit will help you finance it!
The Maldives is a popular tourist destination. However, worries about potential financial losses could dampen your trip. By purchasing travel insurance for Maldives from India, you can alleviate these concerns and fully enjoy your travel experience without being burdened by the costs of potential mishaps.
When it comes to insurance, Acko is your best bet due to its ease of use and speed. Acko's Travel Insurance is comprehensive and reasonably priced. And when it comes time to make a claim, we've made that super simple, too. In fact, over 1,02,000 Indians chose ACKO’s travel insurance last year, with baggage delays accounting for nearly one in every four claims.
Ensuring your trip from India to the Maldives will be quick and simple with our help. Here are a few examples:
| Key Features | Details |
| Simple & Clear Purchase | At ACKO, we have made insurance simple and transparent. There is no jargon or hidden surprises—just a simple, in-control process. |
| No Health Checkup Required | No medical test is required to purchase travel insurance for the Maldives with ACKO |
| Speedy Claim Settlement | As soon as a claim is submitted, ACKO immediately gets to work resolving it expediently and uncomplicatedly so that you can get back to doing the things you love without any worries. |
| Wide Range of Sum Insured Limit | We at ACKO think it is important to give you choices that work for you. That is why our sum insured options are so flexible; you can pick the policy that best suits your needs. |
| No Out-of-Pocket Expenses | You can confidently indulge without worrying about going into debt because there are no out-of-pocket expenses involved in the transaction. |
| Reasonable in price | Find competitively priced, comprehensive insurance plans within your budget. ACKO offers beginner-friendly vacation packages starting at Rs. 8*/ day. |
| 24/7 Assistance | Get help in the Maldives through dedicated customer service at ACKO, including navigating local healthcare, authorities, language barriers, and more. |
ACKO’s Travel Insurance for the Maldives Policy offers the following inclusions.
If you fall ill or get injured, you can claim reimbursement for medical bills or opt for cashless treatment at our network hospitals. For hospitalisations exceeding 24 hours, you'll receive a daily payout of {{sum_insured}} (up to 10 days) in addition to medical expense reimbursement.
When you travel by flight, you risk your baggage getting damaged, delayed, or lost. If you experience such inconveniences during your Maldives travel, we will financially compensate you for your loss according to the policy terms.
If you have to cancel your flight because you tested positive for COVID-19 or need hospitalisation while you are in the Maldives, we will pay you according to the terms of your policy.
Suppose the insured dies while in the Maldives, we will cover some of the significant costs that may result. For instance, we will arrange for the body to be returned (Repatriation) to the insured’s family in India.
If you cancel your travel plans for an unavoidable reason, we will reimburse your flight expenses. That way, you will have sufficient funds to reschedule your trip. However, this coverage is applicable only if the reason for your trip cancellation is considered valid under the policy.
In case you miss your connecting flight due to a delay of more than 6 hours of your original flight, we will pay up to {{sum_insured}} to cover your next booking (excluding refunds by the flight operator).
Adventure sports can be fun, but they have their own risks. If, during your Maldives trip, you get injured while participating in an adventure sport, we will cover you. This coverage may include hospital stays, surgery and physiotherapy expenses.
A passport serves as your identification in a foreign country. In fact, possessing it is required by law in most nations. Thus, if you lose your passport, it could lead to legal consequences. Fortunately, in such situations, ACKO’s travel policy can financially help you to get a duplicate one.
*Note: The above-mentioned inclusions and exclusions are only for informational purposes. For the actual coverage, refer to our policy wording.
Now that we have reviewed some of ACKO Travel Insurance Maldives' key inclusions, here are some of the key exclusions.
In the following travel-related scenarios, you cannot claim financial support against your ACKO Travel Insurance for Maldives from India.
You cannot claim monetary support against your ACKO Travel Insurance India to the Maldives in the following scenarios.
Your ACKO Travel Insurance India to the Maldives does not cover the following medical scenarios.
*Note: The above-mentioned inclusions and exclusions are only for informational purposes. For the actual coverage, refer to our policy wording.
You can purchase ACKO's online travel insurance for the Maldives in six simple steps.
To begin, click here or download our app from the Play Store or App Store
Choose from our standard plan or customise your plan
Give us the dates on which your trip will start and end
Choose the coverage you want
Fill in the details for you and your travel companions
You'll get a quote right away. Pay online to get your coverage right away.
Our claim process typically consists of the following easy-to-follow steps.
You may be required to produce the following documents to obtain a Maldives visa.
The following are the documents required to purchase Maldives travel insurance in ACKO
The following documents are needed to raise a claim for travel insurance Maldives.
No, while not mandatory for Indian citizens visiting the Maldives, comprehensive travel insurance is highly recommended due to potential health hazards and non-medical emergencies. The increasing global medical inflation also makes travel insurance crucial for covering expensive medical treatments.
Additionally, it helps reduce financial risks associated with common overseas travel issues like lost baggage, trip interruptions, flight cancellations/delays and theft. Therefore, securing appropriate travel insurance is advisable to prevent financial disruptions during international travel.
The cheapest travel insurance for Maldives might not be the best, so it's a good idea to look at different plans. The different Travel insurance plans for Maldives by ACKO include the Standard Plan and the Comfort Plan. Here is an overview to understand the coverage of each plan.
| Coverage | Standard Plan | Comfort Plan |
| Hospitalisation due to illness | Yes | Yes |
| Hospitalisation due to an accident | Yes | Yes |
| Daily Hospitalisation allowance | No | Yes |
| Doctor consultation | No | Yes |
| Flight Delay | No | Yes |
| Missed Flight | Yes | Yes |
| Trip Cancellation | Yes | Yes |
| Trip Rescheduling | No | Yes |
| Delay of checked-in baggage | Yes | Yes |
| Total loss of checked-in baggage | Yes | Yes |
| Damage of checked-in baggage | No | Yes |
| Loss of Passport | Yes | Yes |
| Trip Cancellation due to COVID | No | Yes |
| Death due to an accident | Yes | Yes |
| Total disability | Yes | Yes |
| Physiotherapy | No | Yes |
| Missed Connecting Flight | Yes | Yes |
| Home cover | No | Yes |
| Emergency Trip extension | No | Yes |
| Legal Liability | No | Yes |
| Emergency evacuation | Yes | Yes |
| Travel expenses of an immediate relative | Yes | Yes |
| Repatriation of mortal remains in case of death | Yes | Yes |
Here are some fun and useful things to know before embarking on a trip to the Maldives.
Here are some of the top places you must see during your trip.
This island is perfect for those who want to experience the Maldives without breaking the bank. It offers beautiful beaches, crystal-clear waters, and local culture.
Imagine swimming in a sea of stars. The Bioluminescent Beach in the Maldives is a must-see for anyone who wants to experience the magic of nature.
If you love marine life, you can't miss Hanifaru Bay. This UNESCO Biosphere Reserve is home to an incredible array of aquatic creatures, including whale sharks and manta rays.
Another place to witness the magic of nature is Vaadhoo Island, famous for its glowing blue beach. It's a truly unique and unforgettable experience.
If you're looking for a more modern experience, Hulhumale Island is a great option. This artificial island is full of hotels, restaurants, and shops, and it's only a short boat ride away from the capital city of Male.
The table shared below lists the different types of visas for Indians visiting the Maldives, along with their respective details.
A Travel visa is an official document or a stamp in your passport that allows you to enter, stay, or pass through a country for a specified period.
| PARAMETER | INFORMATION |
| Stay period | 30 days |
| Entry | Single entry |
| Visa fees | No cost |
| Extension | Up to 60 days |
| Purpose | Applicable for Indians visiting the Maldives for tourism. |
A Business visa is a type of travel document that allows individuals to enter foreign countries for the purpose of conducting business activities.
| PARAMETER | INFORMATION |
| Stay period | 30 days |
| Entry | Single entry |
| Visa fees | No cost |
| Extension | Up to 60 days |
| Purpose | Applicable for Indians visiting the Maldives for business purposes, like attending an exhibition, conference, seminar, etc. |
If something goes wrong during your trip and you need immediate assistance, contact the Indian Embassy in the Maldives. The following table lists their contact details.
| Category | Details |
| Embassy Name | High Commission of India, Male, Maldives |
| Address | Athireege Aage, Ameeru Ahmed Magu, Henveiru, Male, Maldives - 20125 Lot no. 11499 N1 56(E) |
| Present High Commissioner | Mr. Sunjay Sudhir |
| Website | High Commission of India, Male, Maldives |
| [email protected] | |
| Telephone (General) | (+960) - 3323716 |
| Visa Enquiry Telephone | (+960) - 3323015 / 3323016 |
| Additional Phone Numbers | +960-4004176, +960-4004177 |
| Working Hours (General) | Sunday to Thursday, 9:30 AM – 5:30 PM |
| Working Hours (Embassy Office) | Sunday to Thursday: 9:30 AM – 1:00 PM & 1:30 PM – 5:30 PM |
| Passport & Visa Section (Submission of Forms) | Sunday to Thursday, 9:30 AM – 12:00 PM |
Here are the major international airports in Maldives.
In this section, we have shared some insider tips on buying the best travel insurance for Maldives from India online.
Travel policies usually come with optional coverages. Choosing all of them may not give you any particular advantage while on your Maldives trip. On the contrary, you may be wasting your money. Hence, we recommend carefully considering your insurance needs and selecting only the essential coverages. That way, apart from the cost-saving benefit, you will also have the specific coverages you require on your trip.
Sum insured means the maximum financial support you can extract from an insurance policy. While buying travel insurance, you will be given an option to choose your desired sum insured limit. Make sure you select a sum insured that fits your budget and covers most mishaps you may encounter while travelling to the Maldives.
The claim procedure encompasses the beginning of a claim up to the final receipt of the claim settlement. While buying travel insurance for your Maldives trip, understand the claim procedure. Knowing the claim process will give you an edge when you are in a situation where you need to raise a claim during your trip. You can make a claim request more quickly and get the compensation due to you faster if you are aware of the process.
Travelling to the Maldives can be an unforgettable experience, but staying safe is just as important as enjoying the islands' beauty. Following key safety guidelines, respecting local laws, and taking simple precautions will ensure a smooth, secure, and worry-free trip.
Travel Documents
Legal & Cultural Etiquette
Personal Safety
Health & Insurance
COVID-19 Guidelines
When travelling to the Maldives, it is important to know the local currency and its exchange value. The Maldivian Rufiyaa (MVR) is the official currency, and its rate against the Indian Rupee (₹) varies daily.
The table below briefly references key details and essential travel tips regarding the currency.
| Category | Details |
| Currency Name | Maldivian Rufiyaa |
| Currency Code | MVR |
| Common Reference | Rufiyaa |
| Symbol | Rf or ރ |
| Exchange Rate | Fluctuates daily against INR (₹) |
| Travel Advisory | Verify the exchange rate before travel |
| Recommendation | Carry an adequate amount of Maldivian Rufiyaa |
The Maldives is considered an ideal getaway with its scenic beaches and world-renowned resorts. Since most of the resorts are on secluded islands, you can enjoy a significant degree of privacy and tranquillity during your stay. For those interested in sightseeing, consider adding these attractions to your itinerary.
| Most Visited Places | Location / Description | Attractions & Highlights | Activities |
| Male | Capital of the Maldives, located in North Male Atoll | Tsunami Monument, National Museum, Majidehee Magu street market, parks, heritage sites, and diverse cuisine | Swimming, fishing, exploring cafes & markets |
| Emboodhu | Island in the Maldives archipelago | Famous for water villas shaped like a flower when viewed from the air | Peaceful retreats, relaxation |
| Rangali Island | Island with Conrad Maldives resort | Ideal for families, a luxury resort experience | Dolphin sighting, snorkelling, and fishing |
| Banana Reef | Reef shaped like a banana, rich in marine life | Popular diving site, preserved natural beauty | Scuba diving, snorkelling, underwater tours |
| Utheemu Ganduvaru | An island with cultural heritage | Birthplace of Sultan Muhammad Thakurufaanu, Utheemu Ganduvaru Monument | Heritage exploration, cultural sightseeing |
The best time to visit the Maldives is December to April, when the average temperatures range between 28 degrees Celsius and 31 degrees Celsius. Since the island nation is sunny throughout the year, you can plan a visit at any time and enjoy a tropical holiday.
Visit the Maldives today and financially safeguard your international journey by purchasing travel insurance for Maldives from ACKO Insurance. With our excellent range of international travel insurance plans, you can select the best travel insurance for Maldives. We offer Maldives travel insurance as low as ₹8 per day.
This section has answered some common questions about travel insurance to the Maldives from India.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.
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