Ensure a safe trip with Maldives travel insurance plan.
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Are you planning a dreamy getaway to the gorgeous Maldives? Well, before you pack your bags and grab your passport, there's one thing you don't want to forget: travel insurance! While you may be excited to visit this paradise, it's always better to be safe than sorry. In this article, we'll dive into all the details you need to know about ACKO’s Travel Insurance for Maldives from India. Continue reading to find out how to financially secure your vacation so you can enjoy your trip without worries.
If you are unsure whether to purchase travel insurance for your upcoming trip to the Maldives, here are a few reasons why you should consider it.
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.
The Maldives is a popular tourist destination. However, worries about potential financial losses could put a damper on your trip. By purchasing travel insurance to Maldives from India, you can alleviate these concerns and allow yourself to fully enjoy your travel experience without being burdened by the costs of potential mishaps.
In this section, we have shared some reasons why it is beneficial to buy Maldives travel insurance online.
With the internet, you have access to numerous travel insurance providers. While purchasing travel insurance online, you can compare multiple options and choose the policy that best suits your needs based on cost and coverage.
Purchasing a travel insurance policy online takes only a few minutes, whereas an offline purchase may take longer. The same is true for claim settlements as well. Online travel insurance offers a hassle-free and quick claim settlement process compared to its offline counterpart.
Online travel insurance providers often have a dedicated customer support team that offers continuous travel support. You can use their app or call them in case of any travel-related assistance.
Here are the key features and benefits of ACKO’s Travel Insurance for Maldives. Note that this is an overview; please refer to the applicable policy wordings to know the exact details and associated terms and conditions.
Maldives travel insurance benefits
If the airline you have flown by delays or loses your luggage, we will financially compensate you.
If you must cancel or reschedule your trip for a reason recognised by the terms of the policy, we'll give you your money back.
Loss of passport
If you happen to lose your passport or it gets stolen during your trip, we will provide monetary support to generate a duplicate.
We will provide a fixed amount of compensation in accordance with the terms of the policy if your flight is delayed or you miss it as a result of being late to the airport.
This feature helps you manage medical costs if you contract the COVID-19 disease during the travel period.
Illness and accident-related medical expenses
If included, you will receive financial assistance for medical costs if you get sick or hurt in an accident during your Maldives trip.
Adventure sports caused injuries
If included, this feature will help you manage medical costs in the event of an adventure sport-caused injury.
Loss of travel fund
Financial assistance will be provided if you lose your travel funds or it gets stolen during the travel period.
Trip cancellation due to COVID-19
If a COVID-19 quarantine causes you to cancel/reschedule your travel plans, this feature will cover your resulting monetary loss.
If you are wondering why to choose ACKO’s International Travel Insurance for Maldives, here are some reasons you can ponder over.
Worried that travel insurance will be an additional expense for your trip? We are here to tell you to worry no more! The premium for a basic ACKO Travel Policy amounts to Rs. 49 for a five-day trip. That’s about only Rs.10 per trip day!
Not a fan of filling out forms? We’ve got good news for you! ACKO’s purchase and claim process is completely digital! Just head to our website/app to buy policies, raise claims and complete policy renewals; all with just a few clicks.
The fear of contracting COVID-19 is real and the physical discomfort and hefty hospital bills that come with it can be burdensome. If you catch the disease while on your Maldives trip, we will take care of the resulting medical costs.
Can an Indian-based insurer offer claim assistance while you are in a different time zone? Yes! ACKO offers round-the-clock assistance for more than 150+ countries around the world. Just give us a missed call or email us to raise a claim.
Saving money is an important consideration while buying insurance. Given that, when buying from us, we offer you the option of choosing only the coverages you need for your trip. So, choose ACKO, customise your policy, and save your hard-earned money.
When raising a claim, deductibles is an amount that you need to put down from your end before the insurer pitches in. But ACKO’s Travel Policy has no deductibles. Meaning, when you raise a claim, we will take care of the full cost subject to the maximum sum insured limit.
What is covered
What is not covered
Depending on the covers you select, the following are some of the inclusions an ACKO Maldives Travel Insurance Policy offers.
If you, unfortunately, need to be hospitalised in the Maldives and wish for a family member to be next to you during your treatment, just inform us. We will take care of the expenses associated with bringing a family member from India to the hospital in the Maldives.
Loss and delay of luggage
When you travel by flight, you risk the chance of 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.
Trip cancellation due to COVID-19
With COViD-19 still going around, some countries mandate observing a few days/weeks of quarantine before permitting entry. If you are stuck in such a situation and it affects your travel plans, we will provide monetary compensation as per your policy terms.
Death and repatriation
If the insured dies while in the Maldives, we will take care of some of the major costs that may result. For instance, we will arrange for the body to be returned to the insured’s family in India and cover the expense of cremation and other death-related costs.
Cancellation and rescheduling of travel
If, due to an unavoidable reason, you cancel your travel plans, we will reimburse your trip expenses. That way, you will have sufficient funds when you decide to reschedule your trip. However, this coverage is applicable only if the reason for your trip cancellation is considered valid under the policy.
If by chance you accidentally hurt somebody in the Maldives or damage their belongings, be sure to offer a sincere apology. But that’s not the only thing you can do or you might be legally required to do. You can offer them financial compensation for their loss by raising a claim with us.
Injuries related to adventure sports
Adventure sports can be fun, but they have their own share of 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.
Expenses for medical care
All though not a pleasant thought, a medical emergency can arise during your trip to the Maldives. In such an event, if you do not have sufficient travel funds, you may not be able to afford medical care. ACKO’s Travel Policy for Maldives can help you meet these medical costs.
A passport serves as your identification in a foreign country. In fact, possessing it is required by law in most nations. Thus, in the event that 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 new one.
Now that we have gone over some of the key inclusions of an ACKO Travel Insurance Policy for the Maldives, here are some of the key exclusions.
You cannot claim financial support against your ACKO Travel Policy for Maldives in the following travel-related scenarios.
If you enter the Maldives without carrying a valid visa.
If the only reason you are visiting the Maldives is to receive medical care.
Travelling even though you are not physically fit for long journeys.
Travelling despite the recommendation of a doctor not to.
You cannot claim monetary support against your ACKO Travel Policy for Maldives in the following scenarios.
If your actions were influenced by an intoxicant.
If you have participated in a criminal act.
If you are undertaking risky work like aerial photography, mining, tunnelling, etc.
Your ACKO Travel Policy does not cover the following medical scenarios.
Complications occurring due to a pre-existing health condition.
If a disability report created by a close relative is submitted as proof for a claim.
Pregnancy-associated medical costs.
Note: The above-mentioned inclusions and exclusions are only for informational purposes. To know the actual coverages, refer to our policy wordings.
In this section, we have shared some insider tips on how to buy 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 that you carefully consider your insurance needs and select 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 basically means the most 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 choose a sum insured that both fits into your budget and also covers most mishaps you may encounter while travelling to the Maldives.
The claim procedure encompasses the beginning of a claim up to finally receiving the claim settlement. While buying travel insurance for your Maldives trip, be sure to understand the claim procedure. This 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 that is due to you faster if you are aware of the process.
Follow the below-listed simple steps to buy ACKO’s Travel Insurance for Maldives.
Step 1: Head to our website, www.acko.com, or our ACKO smartphone app.
Step 2: Click on “Travel” and choose the countries you are intending to visit.
Step 3: Select the duration of your travel.
Step 4: If you are not travelling alone, be sure to add your fellow travellers to the policy.
Step 5: Select the optional add-ons as per your insurance requirements.
Step 6: Make an online payment, and you will immediately receive your policy document through email.
Our claim process typically consists of the following easy-to-follow steps.
Step 1: Give a missed call on 8061617799 or email your request to the id [email protected]
Step 2: Based on the type of claim, submit the relevant documents. Once we receive the same, we will commence the claim processing.
Step 3: Your job is done. This is where we take over. We will process your claim and settle it as per the policy terms.
The time taken to process a claim will be dependent on the type of request. Generally, complex claims may take more time to settle.
Here are some fun and useful things to know before embarking on a trip to the Maldives.
The Maldives is made up of over 1,000 islands, so be prepared for some island hopping!
The official language is Dhivehi, but English is widely spoken, so you should be able to get by without any language barriers.
The currency is Maldivian rufiyaa (MVR). So, make sure to convert your cash before going there.
The Maldives is known for its stunning beaches, clear blue waters, and diverse marine life, so don’t forget your swimsuit!
Remember to pack sunscreen and a hat, as the equatorial sun can be intense.
If you're a foodie, be sure to try traditional Maldivian cuisine like mas huni (a dish made with tuna, coconut, and onions) and garudhiya (a fish soup).
Don't forget to bring a waterproof phone case or camera to capture all the amazing underwater scenery.
The Maldives has a strict no alcohol policy for locals, but resorts are allowed to serve alcohol to tourists. Just be aware that it can be quite expensive.
Finally, be prepared to unwind and relax. The Maldives is a perfect destination for those looking to escape the hustle and bustle of city life and indulge in some well-deserved rest and relaxation.
Here are some of the top places you absolutely have to see during your trip.
Maafushi Island: This island is perfect for those who want to experience the Maldives without breaking the bank. You can enjoy the beautiful beaches and crystal-clear waters, as well as the local culture.
Bioluminescent Beach: 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.
Hanifaru Bay: If you love marine life, you can't miss Hanifaru Bay. This UNESCO Biosphere Reserve is home to an incredible array of marine creatures, including whale sharks and manta rays.
Vaadhoo Island: Another place to witness the magic of nature is Vaadhoo Island, which is famous for its glowing blue beach. It's a truly unique and unforgettable experience.
Hulhumale Island: 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.
Up to 60 days
Applicable for Indians visiting the Maldives for tourism.
Up to 60 days
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 Maldives. The following table lists their contact details.
High Commission of India Male, Maldives
Lot no. 11499 N1 56(E)
Sunday to Thursday from 0930 hrs. to 1300 hrs and 1330 hrs to 1730 hrs
Here are the major international airports in Maldives.
Velana International Airport
Hanimaadhoo International Airport
Gan International Airport, Villa International Airport
Maafaru International Airport
You may be required to produce the following documents for obtaining a Maldives visa.
Hotel booking receipt
Yellow fever vaccination certificate
While it's not mandatory, it's highly recommended to have travel insurance when travelling to the Maldives.
ACKO Travel Insurance Maldives covers a variety of things, such as trip cancellations or interruptions, medical emergencies, lost or stolen luggage, and more. Be sure to review your policy’s terms to know the exact coverages.
Yes, ACKO’s Travel Insurance for the Maldives offers an option to include medical coverage.
Yes, you can choose coverage for specific dates, so you can purchase coverage just for the duration of your trip.
The cost of ACKO Travel Insurance depends on various factors, such as your age, length of trip, and coverage options. The most basic coverage we offer starts at Rs. 49 for a five-day trip.
When choosing a travel insurance policy, be sure to check what's covered, the policy’s limits, and any exclusions or exceptions. Also, consider the provider's reputation and customer service.
It depends on your health insurance policy. Some policies offer international coverage, while others do not. Be sure to check with your insurance provider before travelling.
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.