Premium starting ₹395
100% Claims Settled (FY 23-24)


Travel Insurance for Maldives from India Online, Starting ₹395

If you are looking for a relaxing vacation away from the hustle and bustle of daily life, the Maldives is a soul-soothing destination. Located in the Indian Ocean, the Maldives is a small island nation that is one of the most visited tourist destinations in the world.
A foreign trip with insurance always sounds safe!
Hence, purchasing travel insurance for Maldives is a must. It safeguards you financially from various unforeseen events on your journey. Digit's Travel Insurance for Maldives protects you from unexpected financial liabilities in several cases.
Is Travel Insurance Mandatory for Maldives?
No, travel insurance is not mandatory for a visit to the Maldives. Still, buying such a plan is wise, especially if you are traveling with your loved ones. Things tend to go wrong frequently during international travel. Travel insurance for the Maldives from India can protect your finances from sudden, unexpected expenses during the trip.
What is the Cost of Travel Insurance for Maldives from India?
A $50,000 Maldives travel insurance plan from India for 4 days for 1 adult starts from ₹395 (excluding GST).
Maldives Visa for Indian Passport Holders
Indians don't need a pre-arrival Maldives visa to visit the country. The Maldives Government grants Maldives visas on arrival for Indian, and the visa is free of charge. Upon arriving in the Maldives, you must present the appropriate paperwork and documentation for entry.
The Maldives tourist visa for Indians (on-arrival) is valid for 30 days from the date of arrival and can be extended for a maximum of 3 months (90 days).
For foreign citizens visiting the Maldives, the government grants three types of Maldives visas:
- Tourist Visa: If you are visiting the Maldives for tourism, you must apply for a Maldives tourist visa.
- Business Visa: If you are traveling to the Maldives for business purposes, you must apply for a Maldives business visa.
- Friend or Family Visit Visa: If you travel to the Maldives to visit your friends or family, you can apply for a friend or family visa.
What’s great about International Travel Insurance for Maldives by Digit?
Maldives Travel Insurance Plan That Fits You
Double Secure
Double Secure Plus
Medical Covers |
||
Medical Treatment And Evacuation Exigencies If you fall ill during your trip and need emergency hospitalisation to save your life or relieve acute pain, we will cover:
(Up to the sum insured as shown in your policy)
|
✔
|
✔
|
Accidental Treatment And Evacuation Exigencies If you get injured in an accident and need urgent hospitalisation, we’ll cover:
(Up to the sum insured as per your policy) |
✔
|
✔
|
Personal Accident If you suffer an accidental injury that directly causes:
We’ll pay compensation as per your policy limits. |
✔
|
✔
|
Accidental Death And Disability Cover (Common Carrier) Covers accidents while travelling in public transport like a plane, train, or bus, resulting in:
(Compensation as per policy limits) |
✔
|
✔
|
Dental Treatment If you face acute pain or injury to your natural teeth during the trip, we’ll cover the cost of treatment by a qualified dentist, up to the policy limits. |
✔
|
✔
|
Daily Cash Allowance If you’re hospitalised for more than 24 hours, we’ll pay a daily benefit for up to a maximum number of days as per policy. This cover will be extended for a maximum of 5 days. |
✔
|
✔
|
Sub-Limits* Applicable only to members above 55 years for medical/accidental hospitalisation. If your claim amount for these coverages exceeds the sub-limit mentioned in the policy schedule, the extra amount has to be paid by you. Limits apply to:
|
✔
|
✔
|
Maternity And Baby Cover Covers hospitalisation expenses for the delivery and vaccination of a newborn. |
×
|
×
|
Waiver of PED Option to waive pre-existing disease exclusion (subject to policy terms). |
✔
|
✔
|
Smooth Transit Covers |
||
Total Loss Of Checked-In Baggage If your checked-in baggage is permanently lost by the airline, we’ll pay compensation as per policy. |
✔
|
✔
|
Delay Of Checked-In Baggage If baggage is temporarily delayed beyond the specified time, we’ll cover essential replacement purchases. |
✔
|
✔
|
Missed Connection If you miss a pre-booked connection due to the delay of a common carrier, we’ll cover the extra travel expenses and accommodation costs to reach your next destination. |
✔
|
✔
|
Trip Cancellation If your outbound journey is cancelled due to the listed reasons, we’ll reimburse you:
|
✔
|
✔
|
Trip Abandonment If you have to cut short your trip or return early, we’ll cover:
|
✔
|
×
|
Trip Extension If your return is unexpectedly delayed, we’ll reimburse:
|
✔
|
✔
|
Common Carrier Delay If your flight/train is delayed beyond the specified time, you’ll receive a fixed amount for every additional block of delay as per policy. |
✔
|
✔
|
Hijack Distress Allowance If your mode of transport is hijacked, we’ll pay a daily distress allowance (must be officially confirmed). |
✔
|
✔
|
Other Coverages |
||
All Risk Cancellation Charges We cover the non-refundable, pre-paid, or contracted-to-be-paid portion of the booking amount up to the policy limit if you cancel tickets due to unforeseen events beyond your control. |
×
|
×
|
Loss Of Passport, Driving License And Temporary Permit We pay for expenses (as per policy) if your passport, visa, or driving license is lost, stolen, or damaged, preventing trip continuation. |
✔
|
✔
|
Bounced Booking for Accommodation If your hotel booking is denied due to overbooking or any other issue beyond your control, we will reimburse:
|
✔
|
✔
|
Bounced Booking for Common Carrier If your airline, train, or bus is unable to honour your prepaid booking due to overbooking or similar reasons, and you’ve opted for this cover:
|
✔
|
✔
|
Compassionate Visit If you’re hospitalised during your trip, we will cover the travel and stay of one close family member or friend who comes to be with you:
|
×
|
✔
|
Loss Of Baggage And Personal Belongings We cover the loss or damage of your accompanying baggage and personal items due to theft, robbery, larceny, or holdup during the trip.
|
×
|
×
|
Personal Liability & Bail Bond The insurer will cover legal and financial liabilities if you accidentally cause harm to someone or their property during your trip:
|
✔
|
✔
|
Home Building And Contents If your home (at the address listed in your policy) suffers loss or damage while you’re away, the insurer will reimburse:
|
✔
|
✔
|
Emergency Cash Assistance Service If your money or luggage is lost due to theft or holdup, the insurer will:
|
✔
|
✔
|
Financial Emergency Cash If you’re left without any travel funds (cash, cards, travellers cheques) due to theft, robbery, or dacoity, the insurer will reimburse you for the lost amount, provided:
|
×
|
×
|
Golfer’s Hole In One If you hit a hole-in-one at a USGA-recognised golf course (outside India), the insurer will pay a fixed amount to cover your celebration expenses, as per the policy. |
×
|
✔
|
Fraudulent Charges Cover If your payment card is lost or stolen during the trip, you’ll be reimbursed for any unauthorised charges made up to 12 hours before you reported the loss to your card issuer. |
×
|
×
|
Extended Pet Stay If your return journey is delayed by more than 24 hours, the insurer will cover the extra cost of keeping your pet at the pet boarding facility back home, up to the policy limit. |
×
|
✔
|
Hazardous or Adventure Sports If opted for, it covers participation (under supervision) in activities such as trekking, scuba diving, etc. Coverage includes:
|
✔
|
✔
|
Escort Of Minor Child If you are hospitalised during your trip, we will cover the economy class travel costs for one immediate family member, relative, or friend to escort up to two minor children, as well as the return travel expenses for the children, up to the policy limits. (As long as hospitalisation does not occur within 3 days of the trip’s end). |
×
|
✔
|
Upgradation To Business Class If you’re seriously ill, we’ll pay up to the sum insured mentioned in the policy for upgrading your return ticket to business class from the place of hospitalisation. |
×
|
✔
|
Study Interruption If you have to discontinue your planned studies during the covered period unexpectedly, we will reimburse you up to the sum insured for:
|
×
|
×
|
Accident Of The Sponsor If your sponsor named in the policy dies or is permanently disabled, we’ll cover:
|
×
|
×
|
Inter-Collegiate Sports Cover Medical & accidental injury coverage extended to college sports injuries sustained during the policy period. |
×
|
×
|
Home to Home Cover |
×
|
✔
|
Hazardous or Adventure Sports |
✔
|
✔
|
Coverage at Home Country |
×
|
×
|
Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverage as per your requirements. Please call us at 1800-258-5956 in case you want to opt for any other coverage or wish to know further details.
How to Buy International Travel Insurance for Maldives with Digit?
Enter Your Trip Details
Hop onto the Digit app or website, select your destination, number of travellers, and date of birth. Then, hit ‘View Prices’.
Choose Your Plan
Now, you can view the plans, select the one that is perfect for you, set your sum insured, and click ‘Continue.’
Fill, Confirm & Pay
Next, fill in your personal and nominee details, complete the health declaration, click ‘Pay Now’ and complete the payment.
Done & Delivered!
That’s it! Your policy arrives via email, SMS, and WhatsApp. Need it later? It’s always on the Digit App!
How to File a Travel Insurance Claim with Digit?
After you buy our international travel insurance plan, you live tension free as we have a 3-step, completely digital claims process!
Step 1
Give us a call at 1800-258-5956 (if in India) or drop a missed call at +91-7799022308 & we’ll call back in 10 mins.
Step 2
Upload the required documents & your bank account details, on the link sent.
Step 3
We’ll take care of the rest!

Why Choose Digit for Maldives Travel Insurance from India?
- Up-Gradation to Business Class - We'll cover the reasonable expenses, up to the sum insured in the policy schedule, for upgrading the insured person to a business class air ticket from the place of hospitalization to the country of residence if you're hospitalized for more than 5 days and the upgrade is suggested by a medical practitioner.
- Hazardous Adventure Sports - You can enjoy adventure sports that last less than 24 hours continuously, provided you participate in a non-professional capacity and under the supervision of a trained professional, during your trip because this cover provides protection if things go wrong.
- All Risk Cancellation Charges - We'll cover the non-refundable part of your booking cost, up to the limits in your policy, if you have to cancel due to unexpected events beyond your control.
- Escort of a Minor Child - If you end up in the hospital unexpectedly, we'll cover the costs for a family member, relative, or friend to bring back up to two unattended minor children to their home country or city, which includes the actual cost of round-trip economy class tickets for the escort and return tickets for the kids, minus any refund for the kids' scheduled return tickets.
- Home to Home Cover - We provide coverage for your medical expenses, evacuation, and accidents during travel from home to the departure point and during return journey from port to home (up to 12 hours from the planned trip).
- Loss of Baggage and Personal Belongings - If you lose your luggage during your trip due to theft, robbery, etc., and we will compensate you after deducting depreciation.
Disclaimer: Your policy is subject to the terms and conditions mentioned in your policy schedule and the policy wording. It is important that you thoroughly review these documents before making any decisions..
List of Network Hospitals in Maldives with Digit
Disclaimer: This list is not a comprehensive list of network hospitals in Maldives. Last updated on 31st July-2025. In case of emergencies, we recommend to reach out to Digit insurance team first to check about the hospitals.
What is Maldives Official Currency?
The official currency of the Maldives is the rufiyaa (rf) or MVR, which is made up of 100 laree (1 rf = 100 laree). Rufiyaa notes come in 500, 100, 50, 20, 10, five and two denominations. Coins come in denominations of two and one rufiyaa and 50, 25, and 10 larees.
As of 15th July 2024, the currency exchange rates of MVR are as follows:
Note: Other currencies, such as Euros (EUR) and British Pounds (GBP), might be accepted in some places, but US Dollars (USD) are widely accepted, especially in resorts and tourist-oriented establishments.
What is Maldives Famous For?
The Maldives is famous for its pristine beaches and idyllic water bodies. Its proximity to India makes it one of the populace's favorite tourist destinations. Further, the various opportunities to engage in adventurous activities, including scuba diving, are another reason for the Maldives being a popular vacationing destination, especially amongst youngsters.
Whether it is a weekend getaway trip or your honeymoon, Maldives is the perfect destination for a vacation.
When is the Best Time to Visit the Maldives?
The best time to visit Maldives is throughout the year. Temperatures are the most pleasant between November and April. Avoid visiting the country between May and October due to the torrential rains that are common around this time. You cannot do much during the rainy season other than wait in hotel rooms.
Safety Tips When Travelling to Maldives
Keep the following things in mind if you are traveling to the Maldives for recreational purposes:
- Zika Virus is Prevalent - Zika Virus is common in the Maldives. Pregnant women face the greatest risk from the virus since it is known to cause congenital conditions in newborn infants.
- Theft - Regardless of where you travel, there is always a minimal risk of theft or pickpocketing. As a tourist in the Maldives, you must adopt specific measures to prevent such instances. Always keep an eye on your belongings. Avoid flaunting expensive items when you step outside your hotel room. Use safety deposit boxes found in hotels to keep your valuable items secure.
- Keep an Eye Out for Con Artists - Scams in Maldives can disrupt cherishable moments as you fall prey to local scammers and fraudsters. Therefore, in the Maldives, ensure you make wise tour-related decisions. If a prospect seems too good to be true, it probably is.
Maldives is a safe destination. Crime rates are low, and only a few diseases, let alone travelers, threaten the populace. Additionally, if you have a Maldives travel insurance policy in place, you can ensure that you are covered by the financial repercussions arising under these circumstances.
List of Indian Consulates and Embassy in Maldives
List of Airports in Maldives
The following is the list of international and domestic airports in Maldives.