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The best travel insurance for Sri Lanka from India includes many top insurance companies. One of the key players which markets this insurance plans is NRIOL. Here you can compare the plans and benefits and buy the policy online at a cheaper price of your choice.
When planning your trip to Sri Lanka, choosing the right travel insurance is crucial. Having travel insurance protects against unforeseen expenses while traveling abroad. While Sri Lanka does not mandate travel insurance, it is highly recommended to avoid financial risk from medical emergencies or trip disruptions.
Travel insurance is essential for Indian travelers visiting Sri Lanka due to rising medical costs, unpredictable monsoon delays, and risks during safaris or beach activities. It protects you from emergency expenses, lost baggage, trip cancellations, and unexpected health issues—helping you travel with peace of mind.
Get Instant QuoteTailored plans for every type of traveler – choose what suits your journey.
Long-stay trips increase exposure to risks—travel insurance offers peace of mind throughout.
View PlansSenior-specific plans offer higher medical limits and support services ideal for older travelers.
View PlansA smart choice for students and parents to avoid unexpected financial strain.
View PlansDon’t take chances with your health—choose a plan that works with your condition, not against it.
View PlansThe travel insurance for Sri Lanka from India price ranges between ₹551 to ₹1,082 per month for 25 years old traveler, based on type of plan and policy maximum coverage.
| Plan Name | Best for | 10-Day Cost | 20-Day Cost | 30-Day Cost |
|---|---|---|---|---|
| Silver Plan $50,000 |
Solo travelers and students seeking affordable, basic coverage | ₹551 | ₹780 | ₹906 |
| Silver Plus Plan $1,00,000 |
Couples and small families wanting enhanced protection at great value | ₹586 | ₹831 | ₹965 |
| Gold Plan $2,00,000 |
Seniors and families needing comprehensive, high-limit coverage for peace of mind | ₹657 | ₹932 | ₹1,082 |
Select a plan that matches your visa type and travel duration to avoid claim disputes later.
| Visa Type | Best For | Coverage Highlights |
|---|---|---|
| Tourist Visa | Indian travelers on vacation or pilgrimage | Emergency medical, trip cancellation, lost baggage, personal accident |
| Business Visa | Professionals attending meetings or expos | Trip delays, laptop protection, liability coverage, emergency evacuation |
| Student Visa | Students attending courses or internships | Hospitalization, tuition reimbursement, study interruption, sponsor protection |
| Long-Stay Visa | Family visits or extended wellness retreats | Pre-existing conditions, policy extensions, repatriation, outpatient care |
| Coverage Type | What It Includes |
|---|---|
| Emergency Medical Expenses | Covers hospitalization, doctor visits, diagnostics, and prescriptions in case of illness or injury. |
| Pre-existing Conditions | Some of the plans will cover pre-existing diseases for a limited amount with terms and conditions. Nice to declare all medical ailments to avoid claim rejections |
| Medical Evacuation & Repatriation | Pays for air ambulance or transport to the nearest medical facility or back to India, if needed. |
| Loss of Baggage | Compensation for lost, delayed, or stolen checked-in baggage during your flight. |
| Loss of Passport | Covers the cost of replacing a lost or stolen passport while in Sri Lanka. |
| Trip Cancellation or Interruption | Reimbursement for unused bookings if your trip is cancelled due to illness, family emergencies, or natural disasters. |
| Flight Delay or Missed Connection | Provides compensation for long delays, extra accommodation, or missed onward flights. |
| COVID-19 Coverage | Select plans include treatment, quarantine, or cancellation due to COVID-related issues. |
| Personal Accident Cover | Offers financial compensation in case of accidental death or permanent disability during the trip. |
| Not Covered | Description |
|---|---|
| Undeclared Pre-Existing Conditions | Claims are rejected if medical history isn’t disclosed before buying. |
| Alcohol or Drug-Related Incidents | Any claims resulting from intoxication or substance abuse are not covered. |
| Adventure & Water Sports (Without Add-on) | Activities like surfing, snorkeling, or safaris are only covered if explicitly included. |
| Planned Medical Treatments | If you’re traveling for surgery or medical treatment, claims will be denied. |
| Unattended Belongings | Theft of valuables left unattended in public spaces may not be eligible for compensation. |
| Cosmetic or Elective Procedures | Treatments like dental whitening, spa visits, or Ayurveda are not covered unless medically necessary. |
| War or Civil Unrest | Losses due to riots, war, or terrorism are generally excluded. |
| Unapproved Travel Areas | Traveling to restricted or government-blacklisted zones may void your insurance coverage. |
Absolutely! NRIOL provides flexible options to modify your policy for travel dates change, peronal information changes for its customers.
Travel insurance is not mandatory for Indian citizens visiting Sri Lanka, but it's strongly recommended due to rising medical costs and risks like wildlife encounters, tropical illnesses, and travel delays. Buying through NRIOL ensures you get expert support, reliable coverage, and peace of mind during your visit.
A minimum of USD 50,000 to USD 100,000 in medical coverage is advisable for Indian travelers. NRIOL offers plans with customizable limits, including options that cover emergency hospitalization, surgery, evacuation, and pre-existing medical conditions, depending on the policy selected.
Yes. With NRIOL, you can easily extend your travel insurance online, even if you're already in Sri Lanka. This is especially useful during monsoon disruptions, medical emergencies, or if your return travel is unexpectedly delayed.
Select plans available through NRIOL offer optional add-ons for activities like wildlife safaris in Yala National Park or water sports in Mirissa or Bentota. Ensure you choose a plan that includes adventure sports coverage if your itinerary involves such activities.
Many NRIOL plans include Covid-19 coverage, such as hospitalization, quarantine costs, or trip cancellations. However, Ayurveda or elective wellness treatments are typically not covered, unless medically prescribed and approved by the insurer. Please go through the policy terms and conditions before you buy a plan.
Yes, you can buy it online instantly through platforms like NRIOL website.
Follow the step by step process to buy the policy for Sri Lanka online.At NRIOL, we go beyond just offering insurance plans. We provide a seamless buying experience, expert advice, and support every step of your journey. With our commitment to transparency, no hidden charges, and excellent customer care, you can travel confidently knowing we’ve got your back.
View all options side-by-side with key benefits clearly highlighted.
No hidden fees. You won’t find a better price anywhere.
Decades of experience with responsive customer care.
Change travel dates, update passport info, or correct details easily.
Get help with renewals and claims even while you're overseas.
Don’t leave your Sri Lanka trip to chance. Protect your health, money, and peace of mind with NRIOL's trusted travel insurance for Sri Lanka .
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