Insurance for the Maldives. Medical insurance for a trip to the Maldives

24.06.2023

Which resort to choose

Veligandu Island Resort
Gangehi Island Resort
Capital resort of Male

Features of an island holiday

Calculation results

Buy travel insurance for the Maldives

Travel insurance price

Cheapest offer from 09/2019/04

Flights

Probably, each of us dreamed at least once of being at one of the resorts in the Maldives. The dazzling beauty of fabulous, snow-white beaches, incredible flora and fauna of the underwater and terrestrial world, excellent service - all this can make a tourist holiday unforgettable for many years. To leave Russia for the Maldives for a period of less than 30 days, a visa is not required. You can take care of your safety and understand how much it will cost you yourself by calculating the insurance you need using a travel insurance calculator.

Which resort to choose

There are three types of resorts in the Maldives: for diving, for family holidays and for a luxurious “single” retreat. Here are some of them:

Veligandu Island Resort
"White Beach" on Huvahendhoo Island
Centara Grand Island Resort
Gangehi Island Resort
Capital resort of Male

Features of an island holiday

There are practically no thefts in the Maldives, so you can be quite calm about your property. However, you should be wary of the not always friendly sun and bright red corals. To avoid burns, do not touch unfamiliar aquatic plants with your hands and sunbathe in the afternoon. If you were unable to stay “in the shadows,” then having a medical insurance policy for compulsory insurance for those traveling abroad, you will be able to receive all the necessary treatment with high quality and quickly. It is also worth considering that tours to the Maldives are among the most expensive. To protect yourself from loss of funds in case of trip cancellation, you can add a “non-departure” column to your insurance.

Calculation results

To clarify the cost of insurance, indicate the number of travelers and travel dates. After this, the calculator will make calculations and show travel offers from different insurance companies. Below is a list of SravniKupi travel insurance partner companies.

/ Maldives

With something else (for example about Ceylon), which is more difficult or 12-14 nights just a trip to Maldives. And then there’s the question of price. There is no desire to sell an apartment and travel, I want... there and back - it’s clear here, tune in to the average price and don’t hope for miracles, honey insurance- also understandable, hotel (accommodation), food + drink, transfer from the airport to the hotel and back...

Irina019... Sana will be a plus. In a sense, my message is the answer to your question. Maldives were also a long-time dream. But my husband is indifferent to snorkeling and seal rest. And so... I wanted a beautiful beach, gorgeous photos, at least some kind of entertainment, messages like Maldives- it’s complete relaxation, silence, solitude, frightening, so in this sense... it’s so far to fly. And we don’t really like silence and solitude. We love active recreation... but Maldives, this is something that cannot be described in words... time just flew by... those who return and return to Maldives. So now we are again waiting to meet this fairy tale, but on a new island))) My dreams about Maldives become a reality, I wish that...

Fabulous beaches, incredible beauty of the underwater world, exotic species of flora and fauna attract tourists from all over the world to the Maldives.

But even here there are certain dangers that can overshadow a paradise vacation with unpleasant consequences - sunburn, poisoning or injuries.

An insurance policy will help you protect yourself from the consequences of any unexpected events in an unfamiliar country.

What we will tell you about

In accordance with Law No. 155-FZ of December 28, 2015, all Russian tourists traveling abroad must have an issued insurance policy medical insurance in the amount of at least 2,000,000 rubles. Full text of the law.

General information about travel insurance for the Maldives

Russian citizens are granted visa-free travel to the Maldives for a stay of no more than 30 days. But having medical insurance to enter the country is a prerequisite.

To avoid unforeseen situations, it is recommended to obtain insurance no later than 5 days before departure.

A tour to the Maldives is not cheap. What to do if you have paid for the tour and tickets, but cannot fly due to a number of problems that have arisen? In such cases, insurance companies offer to insure trip cancellation in advance. But insured events are considered events that occurred 15 days before the start of the trip and are documented.

Reasons for trip cancellation:

sudden deterioration in the health of the Insured person
sudden death
sudden deterioration in the health of a close relative
sudden death of a close relative
being injured in an accident or car accident
infectious diseases, long-term hospital treatment (relevant for pregnant women)
partial or complete destruction of the Insured person’s residential premises (fire, flood)
participation in court proceedings
conscription
early return of the Insured person (death or illness of a close relative)
delay abroad of the Insured person due to the illness of a relative traveling with him or her

The Maldives is a great place for diving. If you are not new to this activity, bring your certificate and your early dive log.

The first time you dive, you will be accompanied by an instructor who will assess your diving abilities. This is a mandatory measure, since the island has little medical equipment to provide complex medical care. While diving, you should not touch the corals, as you can get severe burns.

Fire corals are dangerous, but blue corals are absolutely harmless to humans. When diving, you should beware of black-finned sharks, which often swim near the reefs. Stingrays are also no less dangerous than sharks. When frightened by a person, they can hit him with their tail. As a result, you can get blood poisoning.

What risks does the insurance policy cover?

Insurance is not only a necessary condition for a trip to the Maldives, but also a practical tool that will protect your budget in case of various kinds of troubles:

medical transportation costs;
medical expenses for emergency dental care;
expenses for telephone communication with relatives in case of an emergency;
expenses for the restoration of stolen or lost documents;
costs of obtaining legal assistance;
additional costs for lost luggage, etc.

Insurance does not cover:

treatment of any chronic diseases;
treatment of poisonings, injuries and their consequences that occurred before the conclusion of the insurance contract;
treatment of sexually transmitted diseases and other STDs;
treatment of neuroses, epilepsy, mental disorders, as well as injuries resulting from exacerbations of these diseases.

Insurance events that occur as a result of:

accidents if the Insured was driving a vehicle without a license or is himself a traffic violator;
any type of intoxication - alcoholic, toxic or narcotic;
war, nuclear explosion, radiation exposure, use of weapons of mass destruction;
strikes, riots or popular uprisings;
all other reasons that began to operate before the entry into force of the insurance contract.

accident insurance;
sports and active recreation;
driving a motorcycle, moped or water scooter;
luggage insurance;
civil liability insurance;
trip cancellation insurance;
relief of allergic reactions;
relief of chronic diseases.

More detailed information can be found in the insurance rules.

What to do if an insured event occurs

First, provide the assistance company with detailed information regarding the occurrence of the insured event, as well as the symptoms of the disease.

If the Insured has contraindications and/or allergies to medications, be sure to also report this.

It is advisable to duplicate your message by email.

Be prepared to answer the following questions:

Full name of the insured
insurance policy number and name of the insurer
the exact address of the place where you are
telephone number where an employee of the assistance company can contact you

A representative of the assistance company will provide you with instructions on which medical institution the Insured should contact.

If the clinic is far from the Insured’s place of residence, ask what type of transport you can use and whether the trip will be paid for by the insurance company subsequently.

To pay, keep all documents confirming your expenses for transportation to the medical facility. These documents should reflect the cost and route (if possible).

In a medical institution, do not agree to pay for any services yourself, except for those for which payment directly by the Insured has been agreed upon with the assistance company.

Be sure to save all documents and receipts for paying for medications.

If you bought an analogue of a medicine, ask the pharmacy to indicate which drug (from the prescription) is an analogue of the drug you bought.

If the assistance company sent the Insured to a medical institution where payment can only be made in cash, for subsequent reimbursement of expenses it is necessary to obtain the following documents:

an invoice for payment
confirmation of payment
a doctor's statement with the name of the diagnosis in English or Latin.

Do not contact medical institutions (hotel doctors) until you receive approval from the assistance company. You will have to pay for such claims yourself and there is a high risk that in the future these costs will not be compensated by the insurance company.

How much do medical services cost in the Maldives?

A visit to a specialist doctor costs on average 20 euros.

Emergency numbers and free medical assistance

The entire territory of the Maldives is divided into several telephone zones. The cost of a call between these zones is higher than within one zone. You can call from your hotel or from pay phones, which are only available in the capital and on the large islands.

Calls are made using telephone cards of the local operator “Dhiiraagu”, costing 30, 50, 100, 200 rufiyaa (1 rufiyaa - 2 Russian rubles). Cards are sold in special stores “Dhiiraagu Teleshop”, which are located in the capital and from card sellers on the islands.

When you arrive on holiday, there are a number of important phone numbers to remember.

Russian Embassy in Sri Lanka: +(10-941) 57-4959
Rescue service -119;
Ambulance - 102;
Help Desk -110;
Airport information desk -332-22-11, 333-88-00.

Free honey Help in the Maldives can be obtained from one of the many Red Cross offices.

National Headquarters, Maldives:
4th Floor, Post Building
Boduthakurufaanu Magu, Male" City

Tel.: (+960) 334 1009
fax: (+960) 334 7009

Dangers for tourists in the Maldives

There are no significant outbreaks of infectious diseases in the Maldives and therefore vaccination is not mandatory before entering the country. But all tourists are recommended to be vaccinated against diphtheria, tetanus, typhoid and hepatitis A. These vaccinations must be done two weeks before travel so that the body has time to develop immunity.

The fauna of the Maldives does not pose a great danger to Russian tourists - mosquitoes can cause minor troubles. Snakes and scorpions are very rare on the islands - to avoid exposing yourself to a scorpion, simply avoid walking barefoot.

The cuisine in the Maldives consists of Asian (local) and European - more familiar to most vacationers. Local baked fish snacks are quite popular. Seafood in the Maldives is fresh, so it is difficult to get poisoned from it.

Despite this, you still need to follow the rules of hygiene - always wash your hands before going to a catering establishment.

The tropical climate on the islands is quite mild throughout the year. The period from May to September is considered wet - southwest monsoons predominate; a time of frequent sea disturbances. From December to April, easterly winds blow. This time of clear skies and low humidity is the best time to relax.

The sun in the Maldives is bright and the air temperature practically does not change with the changing seasons, so at any time of the year, sunbathing before lunch should be limited to a quarter of an hour.

The beaches in the Maldives are considered some of the safest in the world, but you shouldn't ignore warning signs if they exist.

The entire territory of the Republic of Maldives is surrounded by ocean, and there are no freshwater lakes. There is a constant shortage of drinking water on the islands, and therefore it is expensive.

Wells and tanks are filled with rainwater, which tastes slightly salty. Fresh water supplies are also replenished by desalinating seawater. Of course, the water here is filtered and purified, but due to high temperatures it quickly deteriorates. Therefore, it is recommended to drink only bottled water; the cost of one bottle is 1

The Maldives has a fairly low crime rate. There is little street crime here. The locals are very honest and friendly people. Tourists can freely walk the streets of Male. On populated islands where there is no police, the elders are the main authority.

The punishment for breaking the law is exile to a remote island. The criminal must move to another island from his native place. This punishment is considered very severe for the Maldivians. Although thefts rarely occur here, you should still not leave valuables or money unattended.

And if something is stolen from you, you must immediately inform the resort manager about it and submit a statement in writing. If the theft is serious, the manager will contact the police.

The Republic of Maldives is a Muslim country. When vacationing here, you must follow local traditions and rules. This country has a ban on the import and consumption of alcoholic beverages outside the tourist area. If you are going to the city, you should dress more modestly; your outfit should cover your body up to the knees.

When visiting mosques, clothing must cover legs and arms, shoes must be removed, and feet must be washed in special pools. Taking videos and photographs in temples and other sacred places is strictly prohibited.

Medicine in the Maldives

Despite the large area of the capital, medical services in the Maldives are limited. Two hospitals in Male and several outside it provide general medical services, and there is also a decompression chamber to assist divers suffering from pressure changes.

Hospitals do not have trauma departments, which means that if a person is seriously injured, they may not receive proper and timely care. However, the clinics provide the ability to urgently transport the victim by medical plane to the mainland or island with hospitals that can help.

If a tourist takes care of the likelihood of such a problem in advance and includes the risk of evacuation in the insurance policy, he will protect himself from unexpected large financial costs. The distance to the nearest clinics is 3404 km (Singapore) and 3215 km (Bangkok).

Clinics and hospitals

In the capital Male there are 2 hospitals and 2 large medical centers, 22 private clinics, 4 regional hospitals, 16 clinics. The most famous hospitals on the islands are the Indira Gandhi Hospital, which has a capacity of 200 beds, and the ADK Hospital.

Every hotel in the Maldives has a private doctor who can not only provide the necessary assistance, but also organize urgent hospitalization of the patient. There is also a decompression chamber for divers near most resorts. And with the help of a seaplane, patients are urgently evacuated from resorts and populated islands.

Family doctors see and counsel patients and then refer them to other doctors for further treatment. Medical institutions work around the clock, ready to accept any patient.

Pharmacies

The pharmaceutical industry in the Maldives is developed mainly in cities. There are many pharmacies in the capital, there are even 24-hour ones. You will be served by qualified pharmacists, many of whom are from India.

Mostly medications in pharmacies are made in Europe or Asia. But there are few pharmacies at the resorts, so if possible, take the necessary list of medications with you on your trip.

Examples of calculating the cost of insurance

Honey. travel insurance for the Maldives*

	1-15	16-30	31-60	61-90	91-365
Country of insurance: Maldives Amount of insurance coverage: $35000	RUB 46.20	RUB 44.88	RUB 43.56	RUB 40.26	RUR 34.98
Country of insurance: Maldives Amount of insurance coverage: $50000 Insurance coverage area: All over the world, except the USA, Canada, Japan, Australia, New Zealand	RUB 72.79	RUB 69.29	RUB 65.99	64.67 RUR	RUB 47.52
Country of insurance: Maldives Amount of insurance coverage: €50000	RUR 82.39	RUR 78.65	RUR 74.90	RUR 73.40	RUB 53.93

Honey. insurance + accident insurance in the Maldives*

Number of days spent in the Maldives	1-15	16-30	31-60	61-90	91-365
Country of insurance: Maldives Amount of insurance coverage: $35000 Insurance coverage area: countries Whole world, except USA, Canada, Japan, Australia, New Zealand	RUB 51.20	RUB 49.88	RUB 48.56	RUB 45.25	RUB 39.98
Country of insurance: Maldives Amount of insurance coverage: $50000 Insurance coverage area: All over the world, except the USA, Canada, Japan, Australia, New Zealand	RUR 77.59	RUR 74.29	RUR 70.99	RUB 69.67	RUB 52.52
Country of insurance: Maldives Amount of insurance coverage: €50000 Insurance coverage area: “The whole world”	RUB 87.39	RUR 83.65	RUB 79.90	RUB 78.40	RUR 58.93

Example 1 (Health insurance (35,000 euros) + trip cancellation insurance):

If your trip to the Maldives lasts from 1 to 15 days (for example 6 days), and you enter into a contract for Medical Insurance for an insurance amount of 35,000 EUR, the cost of insurance will be as follows:

58.65 rubles (cost of one day of insurance) * 6 days = 351.90 rubles

351.90 rubles + 1200 rubles + 3200 rubles = 4751.90 rubles

TOTAL: when concluding a contract for a period of 6 days for Medical Insurance (35,000 euros) and Trip Cancellation Insurance and visiting the Maldives, the total amount will be 4,751.90 rubles.

Example 2 (Health insurance (50,000 euros) + trip cancellation insurance):

If your trip to the Maldives lasts from 1 to 15 days (for example, 6 days), but you also visit a country from the territory of WW (Whole World), and you enter into a contract for Medical Insurance for the insurance amount of 50,000 EUR, the cost of insurance will be as follows:

75.90 rubles (cost of one day of insurance) * 6 days = 455.40 rubles

Having concluded a trip cancellation insurance agreement, you need to add 4% of the cost of your air ticket and tour to the above rates in the first table. Let's assume that the cost of your air ticket is 30,000 rubles, and the tour to the Maldives you have chosen is 80,000 rubles. We get the following:

455.40 rubles + 1200 rubles + 3200 rubles = 4855.40 rubles

TOTAL: when concluding a contract for a period of 6 days for Medical Insurance (50,000 euros) and Trip Cancellation Insurance and visiting the Maldives plus another country, the total amount will be 4855.40 rubles.

Example 3 (Health Insurance ($50,000) + Trip Cancellation Insurance):

116.10 rubles (cost of one day of insurance) * 6 days = 696.60 rubles

696.60 rubles + 1200 rubles + 3200 rubles = 5096.60 rubles

TOTAL: when concluding a contract for a period of 6 days for Medical Insurance ($50,000) and Trip Cancellation Insurance and visiting the Maldives plus another country, the total amount will be 5096.60 rubles.

What is an electronic travel insurance policy?

Print out the issued policy

Insurance calculator

Types of insurance

The Maldives is a real center of pilgrimage for lovers of exotic beach tours. However, even in this paradise, dangers and illnesses await the unwary traveler, which can not only ruin the long-awaited trip, but also seriously affect health. Medical insurance will not protect you from an accident, but only it will help you cope with its consequences so that your vacation does not bring any unpleasant memories.

By agreement of governments, Russians have the right to stay in the Maldives for up to 30 days without obtaining a visa. This is enough time to catch a tropical disease or get injured while diving. Seeking medical attention can leave a significant hole in travelers' budgets. The high cost of paid medicine has repeatedly been the reason for cases when patients, after treatment, owe tens of thousands of euros to hospitals.

To avoid such situations, any tourist is required to purchase medical insurance, which provides financial support for his treatment, if necessary, for the entire duration of his stay in the country. The presence of insurance is a confirmation of the tourist’s financial viability, thanks to which he can count on the best treatment, without relying on support from the local budget and without shifting costs to a foreign country. Medical insurance provides the basis for receiving complete and high-quality treatment, without having to worry about choosing what is more important - money or your own health. Timely assistance with insurance will allow you not only to count on recovery, but in some cases even to continue your own vacation with the same comfort.

How much do medical services cost?

The level of medicine in the Maldives is often comparable to that in Europe, which also applies to pricing policy. Hospitals and clinics will provide clients with first-class service and all the necessary assistance, but will require an appropriate fee for this.

The most popular medical services include:

appointment with a therapist – from 60 euros
collection of tests – from 30 euros per examination
x-ray – from 40 euros
surgical operation – from 1400 euros

The cost of services varies depending on the chosen clinic, however, you should not expect to find cheaper specialists. In practice, only accredited institutions provide truly effective assistance; medical services from unlicensed doctors, at best, can not worsen the situation. If you become ill, you must go to the hospital as soon as possible and do not forget that a day in a paid ward will cost 300 euros or more. Health insurance will eliminate such problems. With it, the injured person will be able to devote all his time to his treatment, without worrying about financial difficulties.

How much to insure for?

The optimal amount for which it is recommended to insure your health while traveling is called 30 thousand euros, but in the case of a holiday in the Maldives, this money may simply not be enough if the disease turns out to be too severe. Receiving emergency assistance also makes adjustments to the planned budget, because due to the remoteness of some islands from the capital of the republic, Male, costs will increase due to the need to pay for calling a boat or helicopter. Sports enthusiasts involved in diving and surfing are especially at risk of getting sprains and fractures, the treatment of which is included in the list of the most expensive services. That is why for a trip to the Maldives you should choose insurance for an amount of no less than 50 thousand euros.

Which one to choose

There are several main types of existing policies:

service – the tourist pays for all services in the hospital independently. Upon arrival in the country, he submits checks for paid services to the insurance agency, where he is reimbursed for the funds spent
compensatory – the tourist provides a policy to a medical institution and receives treatment according to a limited amount
franchise - a tourist purchases a policy for a certain amount, which he pays independently, and other services exceeding the franchise amount are paid by the insurance company

Each type of insurance has its own advantages. The choice should be made based on the funds available for travel and the convenience of receiving payments. In addition, many companies provide additional bonuses for purchasing their insurance.

What risks does it cover?

The Maldives is a relatively safe place for tourists. A stable, favorable climate and low crime rate instill a sense of confidence and tranquility in every visitor. But there are many hidden dangers on the islands, and a tourist who is not familiar with them can easily become their victim. It is worth remembering the most serious threats:

heavy acclimatization
water sports injuries
sunburn and heatstroke
poisoning by unusual foods
tropical fevers

Medical insurance allows you to count on being called and examined by a doctor, staying in a clinic, receiving urgent surgical or dental care, as well as transporting the victim to his home country.

Online calculator

It is worthwhile to approach the acquisition of suitable medical insurance responsibly, because its availability may save the life of a traveler. You can calculate the cost of insurance and make sure that all the necessary services under the policy are available using an online calculator that will help you compare several offers that interest you and make the right decision.

By purchasing insurance online, you can not only save time and money, but also appreciate all its benefits without haste. To purchase insurance online, you just need to fill out a short questionnaire, which is much more convenient than purchasing a policy from insurance agents, who often strive to sell not the most optimal set of services for the client, but only the most expensive. There will be no such problems when purchasing online - just choose the right health insurance and enjoy a carefree holiday in the sunny Maldives!

Everyone says that health is most valuable; but no one follows this.
Kozma Prutkov

How to choose insurance for the Maldives

But it’s not for nothing that I wrote that this policy is ideal for a standard traveler.

I am not a standard person, age and the consequences of a stroke - for me, any sore, except for a runny nose, is recognized as an exacerbation of a chronic disease...... and I went to look for another insurance. To the selection service

How to use the service

First, let's filter all the proposed insurances by assistants.

Of the remaining insurers, Liberty excluded insurance because only the call center telephone number was indicated in the policy. When I tried to call them, I hung on the phone for 25 minutes, waiting for an answer. For the same reason, Renaissance insurance and RESO guarantee were rejected.

Here's a set left for comparison:

Which insurance to choose

For example, I need “Relief of exacerbation of chronic diseases”; for allergy sufferers, it is worth including “Relief of allergic reactions”; if you are traveling with children, add “Payment for travel home for the Insured’s minor children”

If you are planning to dive, be sure to check

And there is also “Assistance due to natural disasters (floods, tsunamis, tornadoes, etc.)”

As a result, you will have a choice of 1-2 insurance companies. Take the one you like best after reading the latest reviews.

I sincerely wish that you don’t need medical insurance during your vacation! But you must have it