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Travel Insurance for South Africa from India

Ensure a safe trip with South Africa travel insurance plan.

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From exploring the stunning landscapes of Kruger National Park to indulging in the vibrant nightlife of Cape Town, South Africa has a lot to offer. But it's always better to be safe than sorry by purchasing travel insurance. In this article, we'll dive into everything you need to know about ACKO Travel Insurance for South Africa from India so that you can have a worry-free and enjoyable trip!

Why do I need travel insurance for my South Africa trip?
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Here are some crucial considerations for buying travel insurance for your South Africa trip.

Flight delays and cancellations
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Travelling to and from South Africa can often involve flight cancellations and delays. If this happens, travel insurance can help cover expenses related to missed flights, hotel stays, and meals. This coverage can help alleviate the financial burden of these additional expenses.

Lost or stolen luggage
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If your luggage is lost, stolen, or damaged while on your trip, it can be extremely inconvenient. Especially if you're carrying expensive equipment like cameras or laptops, travel insurance can help you financially safeguard your belongings.

Participating in adventure sports
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While adventure sports like hiking, surfing, and other high-risk activities can be thrilling, they also come with the risk of unexpected medical emergencies. During your trip, travel insurance can provide coverage for medical emergencies, including illnesses and injuries, allowing you to enjoy your activities with greater peace of mind.

Emergency evacuation
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In the event of a medical emergency or natural disaster, emergency evacuation to a hospital or medical facility may be necessary. Travel insurance can provide coverage for emergency evacuation, ensuring that you receive necessary medical care while minimising the financial burden of such emergencies.

Natural disasters
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South Africa is prone to natural disasters like floods, earthquakes, and landslides. If you're travelling during a season when these natural disasters are more common, travel insurance can provide coverage for expenses related to trip cancellations or interruptions.

What is the benefit of buying South Africa travel insurance online?
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Now that we have established that it is wise to insure your South Africa trip, here are some reasons why you should buy travel insurance online.

Hassle-free digital process
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Gone are the days of tedious paper forms and long processing times when it comes to travel insurance. Modern online travel insurance offers a hassle-free digital process that makes it easy to buy policies, raise claims, and manage other functions remotely. With online travel insurance, you can have peace of mind knowing that you can access the coverage you need quickly and easily.

Weigh up multiple offers
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When searching for a travel insurance policy, you can compare multiple offers and weigh the various coverages and premiums. Take the time to research multiple insurance providers online and review their offerings, policies, and premiums. This will help you determine which policy best fits your budget and meets your needs.

Insure your last-minute trips
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In case you're in a rush and don't have time to buy travel insurance, online travel insurance can be a lifesaver. With just a few clicks, you can get the coverage you need quickly and easily, saving you precious time and energy. So, if you ever find yourself in a last-minute situation, online travel insurance can help you out.

Key features of ACKO’s South Africa Travel Insurance Policy
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This section highlights the features of ACKO’s Travel Insurance and their respective benefits. However, before buying a policy, we recommend that you review the applicable policy features and benefits for details.


South Africa travel insurance benefits

Trip cancellation due to COVID-19

If you have to cancel/reschedule your trip as a result of testing positive for COVID-19, this feature will compensate you with a sum specified in the policy.

COVID-19-related hospitalisation

If you contract the COVID-19 virus during the travel period, we will cover the resulting medical costs.

Illness-related medical expense reimbursement

If during the period of your travel you fall ill, this feature can financially protect you against the resulting medical expenses.

Baggage delay/loss

If while travelling by flight, your checked-in luggage gets delayed or lost, we will provide you with a fixed monetary compensation as per the policy terms.

Adventure sports caused injuries

If you participate in an adventure sport while in South Africa and unfortunately get hurt, this feature can help you manage the consequent medical charges.

Accident-related medical expense reimbursement

If you unfortunately suffer accident-related injuries during the travel period, this feature will provide coverage for the consequent medical charges.

Loss of passport

If you have chosen this feature, you can claim financial support for replacing a lost or stolen passport.

Trip rescheduling

If the common carrier for your trip gets rescheduled, this feature will ensure that you get compensated with a fixed sum, subject to the policy terms.

Missed/delayed flight

If you unintentionally miss a flight, this feature can be claimed to receive a lump sum as specified in the policy wordings.

Trip cancellation and interruption

If the common carrier you are supposed to travel by gets cancelled, you can claim against this feature to receive a specified monetary compensation.

Loss of travel fund

If the cash you carry with you on the trip gets lost or stolen, this feature will ensure that you receive sufficient funds to get you through the trip.

Benefits of ACKO’s South Africa Travel Insurance Plan
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In addition to the benefits mentioned in the previous section, our travel policy includes the following extras.

What is covered?

What is not covered?

If you buy travel insurance from us, you can benefit from the following coverages.

  • Trip cancellation due to COVID-19

If you get infected by the COVID-19 virus, it is highly likely that you may not be allowed to travel. Consequently, the money you invested in the trip may go to waste. In such a situation, ACKO’s Travel Insurance for South Africa can safeguard your trip-related investment up to a limit specified in the policy.

  • Loss and delay of luggage

If you fly frequently, you may know the hassle of dealing with lost or delayed luggage. But if you have ACKO Travel Insurance, you can get a fixed sum for these cases. The amount will vary depending on the circumstances, as stated in the policy.

  • Repatriation of mortal remains

ACKO will cover the charges of bringing the mortal remains of the insured back to their hometown in case of death during the trip. 

  • Compassionate visits

If you are in a South African hospital due to illness or an injury caused by an accident, you may wish to have a family member close by for emotional support and handling the logistics. ACKO will cover this cost of bringing a relative from India. 

  • Injuries related to adventure sports

Adventure sports in South Africa can be fun, but there are injury risks associated with it. But don’t let that hold you back. If, while playing, you get injured and require medical attention, we will help you manage all the resulting medical expenses.

  • Cancellation and rescheduling of travel

If the flight you are meant to travel by for your trip to South Africa gets cancelled or rescheduled, it may upset your travel plans and cause you to lose money. Fortunately, if you have an ACKO Travel Policy, you can claim for a fixed monetary compensation as per the policy terms.

  • Personal liability

Accidents can have serious consequences, and if you are the cause of an incident while in South Africa that results in injury, death, and property damage to a third party, there can be dire legal implications. Fortunately, ACKO has you covered, providing financial compensation to the affected and taking care of the legal costs.

  • Expenses for medical care

If you become ill or suffer injuries while travelling in South Africa, ACKO's travel insurance can protect you from shouldering the hefty costs of hospitalisation. With ACKO, you can rest assured that your hospitalisation expenses will be taken care of, up to the limit of your policy, so you don't have to worry about any unexpected expenses ruining your travel experience.

  • Passport lost

If your passport gets lost or stolen, it is important to act quickly and replace it with a duplicate passport. Doing so will help you avoid the possibility of being charged with a legal offence. We understand the financial burden and will cover all costs associated with replacing your passport.

Here are a few scenarios that fall outside the purview of our insurance coverage.

Travel exclusions

You will not have insurance protection if you travel in the following circumstances.

  • In the event that you enter South Africa without a current visa.

  • If you intend to receive medical attention while there.

  • If you aren’t physically well enough to travel, but you do anyway. 

  • If you choose to travel despite the advice of your doctor not to. 

Legal exclusions

You will not be eligible for coverage under our policy if you are involved in any of the following situations.

  • Self-inflicted wounds or suicide attempts.

  • If your behaviour was caused due to consuming alcohol or another drug.

  • If you were found responsible for taking part in a crime.

  • If you engage in dangerous work, such as mining, tunnelling, aerial photography, etc. 

Medical exclusions

In the following circumstances, you cannot claim coverage for medical costs.

  • If a pre-existing medical condition worsens while you're visiting South Africa.

  • If you procure a letter from a family member certifying your disability.

  • Medical bills resulting from pregnancy.

Note: This section does not cover all the inclusions and exclusions. To get the most accurate and complete information, please refer to the policy wording of our travel insurance policy.

Tips to buy the best travel insurance for South Africa from India online
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Here are some tips to optimise your ACKO Travel Insurance for South Africa Policy.

How to buy ACKO South Africa Travel Insurance
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Simply follow the steps listed below to purchase ACKO’s South Africa Travel Insurance online.

Step 1: Launch our mobile app or website (

Step 2: Click the "Travel" tab to choose the countries you'll be visiting on your trip.

Step 3: Determine the start and end dates of your trip.

Step 4: Make sure to insure anyone who is travelling with you, if applicable.

Step 5: Choose the covers you need for your South Africa trip.

Step 6: Complete the final step by making an online payment to receive the policy document in your email right away.

How to raise a claim under ACKO’s Travel Insurance for South Africa
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Our simple three-step claim submission process is listed below.

Note: The type of claim submitted will determine how long it takes to settle the claim.Complex claim requests are probably going to take longer to process and resolve.

Things you should know before beginning your South Africa trip
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We have compiled a few things you should know before heading on a trip to South Africa.

  1. Be sure to bring a good camera and binoculars to catch a glimpse of the Big Five – lions, leopards, elephants, rhinos and buffaloes.

  2. Don't forget to pack sunscreen. South Africa is sunny and hot for most of the year. And while you're at it, bring a hat and sunglasses too!

  3. South African cuisine is a delightful blend of European, Indian and indigenous flavours. Be sure to try the national dish, bunny chow, and other local delicacies like boerewors, biltong and pap.

  4. Learn a few basic phrases in one of South Africa's eleven official languages, like "sawubona" (hello) in Zulu or "dankie" (thank you) in Afrikaans, and you'll be sure to make a good impression on the locals.

  5. South Africa has a rich and complex history, so take the time to learn about it before you arrive. Visit museums and historic sites like Robben Island, where Nelson Mandela was imprisoned for 27 years, to gain a deeper understanding of the country's past.

  6. From the dramatic peaks of Table Mountain to the sweeping savannahs of Kruger National Park, South Africa is a land of breathtaking landscapes. Take a hike, go on a safari or try your hand at surfing to experience the country's natural beauty first-hand.

  7. South Africans are known for their love of sports, so why not catch a game while you're there? Whether it's rugby, cricket or soccer, the passion and energy of the fans is sure to make for an unforgettable experience.

  8. Don't be afraid to try something new; South Africa is a country of diverse cultures and experiences. From traditional Zulu dancing to Cape Malay cuisine, there's always something exciting to discover. So be bold, be curious and have fun!

Things you can’t miss!
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Here is a carefully curated list of places you must visit during your stay in South Africa.

South Africa Visa Information for Indians
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Visitors from India to South Africa may apply for the following categories of visas.


Visa type



Tourist Visa

This visa is for those who plan to visit South Africa for tourism purposes and can stay for up to 90 days.


Business Visa

This visa is for those who plan to travel to South Africa for business purposes and can stay for up to 90 days.


Student Visa

This visa is for students who plan to study in South Africa for a period of up to one year.


Work Visa

This visa is for those who plan to work in South Africa and can stay for up to three years.


Exchange Visa

This visa is for those who plan to participate in a student exchange program in South Africa and can stay for up to six months.


Retirement Visa

This visa is for those who plan to retire in South Africa and can stay for up to five years.

Indian Embassy’s location in South Africa
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For emergencies during your stay in South Africa you can reach out to the Indian Embassy in South Africa. The below-given table provides its contact details.


High Commission of India, Pretoria


852, Francis Baard Street, Arcadia 0083, Pretoria, South Africa

Phone number

(012) 3425392-5


List of international airports in South Africa
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Here are a few of South Africa's well-known international airports.

OR Tambo International Airport

Bram Fischer International Airport

Cape Town International Airport

King Shaka International Airport

Lanseria International Airport

Polokwane International Airport (Pietersburg Int'l)

Kruger Mpumalanga International Airport

Chief Dawid Stuurman International Airport

Ulundi Airport (Prince Mangosuthu Buthelezi Airport)

Hendrik Van Eck Airport (Phalaborwa Airport)

Richards Bay Airport

Skukuza Airport

Pietermaritzburg Airport

East London Airport

Plettenberg Bay Airport

George Airport

Hoedspruit Airport (Eastgate Airport)

Kimberley Airport

Mala Mala Airport

Margate Airport

Mthatha Airport (was K.D. Matanzima Airport)

Documents required to travel to South Africa
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You may need to produce the following documents to get a visa for South Africa.

  1. Passport: You must have a valid passport with at least two blank pages. The passport must remain valid for at least 30 days after the intended date of departure from South Africa.

  2. South African visa: You may be required to obtain a South African visa prior to entry. We recommend that you apply for a visa at least two weeks before the intended date of travel.

  3. Return/onward ticket: You must provide evidence of a return/onward ticket when entering South Africa.

  4. Proof of financial means: All travellers must demonstrate that they are able to support themselves financially during their stay in South Africa. This can be in the form of a bank statement, credit card statement, or a letter from an employer.

  5. Proof of accommodation: You may be required to show evidence of your accommodation in South Africa. This can be in the form of a hotel reservation or a letter of invitation from a host.

  6. Yellow fever certificate: If you have visited a yellow fever-infected area within the last 6 days, you must present a valid yellow fever certificate upon arrival in South Africa.

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This section covers some of the frequently asked questions regarding travel insurance for South Africa from India.


Do I really need travel insurance when visiting South Africa?

We recommend that you carry travel insurance when visiting South Africa. Medical treatment can be expensive and unexpected events can disrupt your travel plans, causing financial losses. Having travel insurance ensures that you have financial protection during such situations.

What does ACKO Travel Insurance cover?

ACKO Travel Insurance covers medical emergencies, trip cancellations or delays, loss of baggage, passport loss, personal accident, emergency dental treatment, emergency medical evacuation, and more. You can choose the coverage options that suit your needs.

How do I buy ACKO Travel Insurance?

You can buy ACKO Travel Insurance online by visiting our website or through our mobile app. Simply fill in your travel details and select the coverage options you want. You can make the payment online and receive your policy document via email.

What is the cost of ACKO Travel Insurance for South Africa?

The cost of ACKO Travel Insurance for South Africa depends on various factors such as the duration of your trip, the coverage options you select, your age, etc. You can get a quote online by providing your travel details.

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.