Minimizes healthcare costs incurred by expatriates and assures them protection while living and working in Maldives.

For people working overseas, whether it is for individual, family, groups or company, there can be numerous hidden pitfalls concerning healthcare. Allied Expatriate Policy minimizes healthcare cost incurred by expatriates living and working in Maldives.

Mandatory Cover

Inpatient Health Cover
Inpatient: Health Insurance coverage from Government Medical Centers (100% cov­ered) and from listed Private Hospitals with 15% co-payment.

Inpatient ward only / private room (excluded)

Pre-existing medical conditions are covered

The empaneled Hospitals will provide cashless service

To obtain service, a work permit card must be presented

Territorial limit: Maldives only
Life Insurance
When a covered injury or sickness results in loss of life of an insured person, the insurer will pay for the preparation and the transportation of the mortal remains of the insured person from the place of death to the country of permanent residence, or for the preparation and local burial of the mortal remains of an insured person. If mortal remains is buried within Maldives, the beneficiaries will be given a cash benefit of MVR 30,000
The above benefits would be arranged if the only loss of life occurs within the Maldives.


SURGICAL BENEFITS (up to overall limit)

Surgical expenses comprising the following (but excluding organ transplantation):
Pre-surgical diagnostic services
Pre-surgical specialist consultation fees
Anesthetist’s fees

MEDICAL BENEFITS (up to overall limit)

Medical expenses for non-surgical treatment, comprising:
Pre-hospitalization specialist consultation
Pre-hospital diagnostic services
Daily in-hospital physician’s visits (max. 60 days)
Post hospitalisation treatment (within 31 days from discharge)


Life insurance sum assured (death cover: if the mortal remains are buried with in Maldives) 30,000
Repatriation or burial with in Maldives (if loss of life occurs with in Maldives) The Total Cost


Mandatory Cover (Inpatient health cover and repatriation) 550

Required Documents:

Completed Proposal Form
Copy of employee's EA (Employment Approval)
Copy of passport and visa application form (Other visa holders)
Proposal Form