Sri Lanka Travel plans starting at just ₹306*
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Flight Cancellation Covered*
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Baggage Loss Covered*
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Passport Loss Covered*
Travel Insurance for Sri Lanka
Sri Lanka is a tiny island with everything packed in: colossal ruins at Sigiriya, emerald tea estates in Nuwara Eliya, blue whales off Mirissa, serene temples, spice-laden markets, and postcard-perfect beaches. For Indian travellers, it’s close, familiar in flavour, yet refreshingly different in culture and scenery - a perfect short break or a slow, scenic escape.
However, even the best-planned trips can go awry if not executed well. A missed connection in Colombo, a sudden stomach bug, a sprained ankle on Adam’s Peak or a lost passport can quickly drain time, money and energy. Medical bills abroad, last‑minute rebookings or emergency hotel stays aren’t just stressful, they’re expensive.
That’s exactly where IndusInd General Insurance (previously Reliance General Insurance) helps. It cushions you against medical emergencies, trip delays or cancellations, baggage or passport loss and more, so an unexpected mishap doesn’t turn into a financial setback. And if something does go wrong, claiming is effortless with the IndusInd Self‑i App. Raise and track your claim in minutes, upload documents digitally, and get quick, cashless approvals at any local hospital in Sri Lanka. Access 24/7 support right from your phone.
Travel light, explore freely and let us take care of the sudden bills while you sip that perfect cup of Ceylon tea in your next Sri Lankan adventure.
Exploring Sri Lanka should be about tea trails, beaches and heritage, not bills, delays or lost baggage. IndusInd Sri Lanka Travel Insurance (formerly Reliance Travel Insurance) provides you with affordable and dependable protection, ensuring that every unforeseen trip-related issue is taken care of.
$500,000 Coverage*
High Medical Coverage
24/7 Customer Support*
Get help anywhere in Sri Lanka
99.57% Claims Settled*
Speedy claim processes
No Medical Check-ups*
Just apply, pay and download!
Benefits of Buying Sri Lanka Travel Insurance
Medical Coverage
Sri Lankan food, kottu roti, hoppers, spicy seafood, is delicious, but if it upsets your stomach or you twist an ankle hiking Ella Rock, your hospital bills are covered. We offer medical coverage up to USD 500,000*, and USD 500* for emergency dental care.
Passport Loss
Lost your passport on the scenic Kandy–Ella train, at Pettah Market or while island‑hopping? We cover up to USD 300* to get you a replacement, so your trip (and return) stay on track.
Flight Delays & Connecting Flights
Festive seasons, such as Vesak or the Kandy
Esala Perahera, can cause congestion at
Bandaranaike International Airport. If your
flight is delayed by more than 12 hours, you
receive up to USD 60 per day*.
Baggage Support
Reached Colombo, but your bags didn’t? For checked-in baggage delays exceeding 12 hours, you receive up to USD 100* to purchase essentials. If it’s declared lost, you’re covered up to USD 1,500*.
Personal Liability
Renting a scooter in Mirissa or Arugam Bay
and accidentally scratching a parked
vehicle or knocking over a vendor’s cart can
get costly. Our personal liability cover
protects you up to USD 200,000*, so you
don’t pay out of your pocket.
Emergency Cash
Misplaced your wallet at Galle Fort, on a crowded tuk‑tuk ride or at a beach shack in Unawatuna? We’ll provide up to USD 300* as emergency cash to help manage food, transport, and accommodation until you sort out your cards and payments.
Individual Travel Plan
Are you planning a solo trip to Sri Lanka? The IndusInd Sri Lanka Travel Insurance (formerly Reliance Sri Lanka Travel Insurance) Individual Plan protects just you, covering medical emergencies, lost passports, delayed/lost baggage, and much more. Here are some of its most stunning features:
Family Travel Plan
Travelling to Sri Lanka with the whole family? The IndusInd Sri Lanka Travel Insurance (formerly Reliance Sri Lanka Travel Insurance) Family Plan provides shared coverage of up to USD 250,000* for all family members. One policy, one claim process, zero confusion. Here’s what else you can get:
Disclaimer: Please refer to the official policy documents for detailed information linked here
What is covered?
Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.
Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.
Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.
Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.
Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.
What is not Covered?
Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.
Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.
Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.
Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.
Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.
Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.
Last-minute Sri Lanka trip?
Call us now and get insured before you fly
Buying IndusInd Sri Lanka Travel Insurance (formerly Reliance Sri Lanka Travel Insurance) is quick, fully digital and takes just a few minutes. Follow the steps below to get your policy before boarding your flight to Sri Lanka:
Enter Your Details
Enter your travel dates, DOB and choose Sri Lanka as your destination.
Complete KYC
Enter your phone number and complete the online KYC process.
Pay & Get Policy
Pay online and get your Sri Lanka travel insurance plan instantly via email.
Filing a claim under your IndusInd Sri Lanka travel insurance policy is easy! For medical claims, all you need to do is submit your policy details at the hospital reception to get cashless medical coverage. And for non-medical claims like flight delays, trip cancellations, lost checked-in luggage, etc., open your Self-i app and tap “InstaClaim”.
Here are the details and documents you will need to provide when filing a claim. These will need to be scanned and emailed to us at indusind@europ-assistance.in –
Medical Claim
Medical Claim
Medical Claim
For medical claims, let us know via our helpline or email using your policy number.
Check if the hospital accepts cashless claims & submit the claim form.
IndusInd Care (previously Reliance Care) will review the claim and your documents.
Upon approval, we place a Guarantee of Pay (GoP) to the hospital.
If the hospital does not agree to the GoP, you can always file a reimbursement claim.
Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support. It takes around 30 working days* to settle your claim from the date of submitting the final claim document
Types of Visas for Sri Lanka
Planning a trip to Sri Lanka from India? Here are the six visa types to consider, so you can choose the one that best suits your purpose. However, even though Sri Lanka is offering a Free Visa for Indians at the moment, you need to get an Electronic Travel Authorisation (ETA) if you are applying for a Tourist, Business or Transit Visa.
Free Visa
Sri Lanka ran a pilot in 2024, offering fee-free 30-day tourist visas to seven nationalities, including Indians. Always recheck the Department of Immigration & Emigration/ETA portal before submitting your application. The waiver has been extended/updated a few times and can change without notice.
Tourist Visa
For holidays, visiting friends/relatives, cultural/sports events, or even short medical treatments. Usually issued for 30 days (double entry) and extendable up to 6 months.
Business Visa
This lets you visit for short periods for meetings, conferences, training, or other business activities, and it can be issued forsingle or multiple journeys. You can apply online for a Business ETA before you fly, and if you need more time, you can request an extension from the Department of Immigration & Emigration.
Transit Visa
A Transit Visa is intended for travellers passing through Sri Lanka for a brief stay (up to 2 days) en route to another country, including seafarers entering Sri Lanka to join a vessel as a crew.
Residence Visa
This allows a non-Sri Lankan to live in Sri Lanka for a specific, officially approved purpose (e.g., work, study, dependents, etc.). It’s granted only when the authorities are satisfied that your stay and activities won’t harm the country’s interests and fit the rules of the relevant residence category.
Spouse Visa
Foreign spouses of Sri Lankan citizens and their dependent children are eligible to apply for this residence visa. Applications are processed only at the Department of Immigration & Emigration in Colombo.
Embassy Contact Details: Sri Lanka and India
Parameters | Sri Lanka Embassy in India | Indian Embassy in Sri Lanka |
|---|---|---|
Location | New Delhi, India | Colombo, Sri Lanka |
Address | High Commission of Sri Lanka, No. 27, Kautilya Marg, Chanakyapuri, New Delhi 110021, India. | High Commission Of India, 36-38 Galle Road, Colombo-3 |
Contact Number | 0091 11 23010201, 23010202, 23010203 | 2326921/2421605/2422788/2327587 |
Email Address | ||
Website | ||
Operating Days | Monday - Friday | Monday - Friday |
Operating Hours | 9:00 am - 5:00 pm | 9:00 am - 5:30 pm |
Flight & Baggage Delays Covered
Quick Cashless Claim via Self-i app
99.57% Claims Settled*
Best Time to Visit Sri Lanka
Are you planning a trip to Sri Lanka anytime soon? Wait! First, check when the right time to go there is, according to your interests. Here is a handy comparison table to help you plan your trip better:
Dec to Apr
What to Expect: Mostly dry,
sunny weather with
temperatures around 22–
32°C. Great beach time plus
clear skies for Sigiriya.
Perfect for: First‑time
travellers, family trips, beach
holidays, whale watching,
Adam’s Peak pilgrimages.
Tourist Flow: Heavy
Flights & Hotel Rates:
Highest of the year.
Return Airfare from India
(Approx): ₹18,000 - ₹30,000*.
Keep in Mind: Book
flights/hotels early.
Sep to Nov
What to Expect: Mixed weather with short showers & plenty of sunny windows, and humidity stays high. Temperatures ranging from 25-31°C.
Perfect for: Value seekers, culture trips with fewer crowds.
Tourist Flow: Moderate
Flights & Hotel Rates: Lower than peak season and a good time for deals.
Return Airfare from India (Approx): ₹18,000 - ₹28,000*
Keep in Mind: Pack a rain jacket and check daily forecasts if you’re moving across regions.
May to Aug
What to Expect: Southwest monsoon hits the west & south coasts and the hill country. The temperature ranges from 26-30°C.
Perfect for: East‑coast beach breaks, surfers at the Arugam Bay peak.
Tourist Flow: Light to moderate
Flights & Hotel Rates: Resorts fill up during surf season.
Return Airfare from India (Approx): ₹16,000 - ₹26,000*
Keep in Mind:Do visit the stunning beaches and visit the hill country sights, expect showers.
Interesting Facts About Sri Lanka
Eight UNESCO Sites, One Small Island: Sri Lanka squeezes 8 UNESCO World Heritage Sites into a tiny landmass, from Sigiriya to the Central Highlands.
World’s First Woman Prime Minister: In 1960, Sirimavo Bandaranaike became the first female prime minister in the world.
The Oldest Human-Planted Tree: Jaya Sri Maha Bodhi in Anuradhapura is the oldest living tree planted by humans, with a recorded date of 288 BC.
Leopard Hotspot: Yala National Park is famed for having one of the highest leopard densities on Earth.
The Great Elephant Gathering: Each dry season, over 300 Asian elephants converge at Minneriya National Park, one of the largest gatherings of its kind in the world.
A Bucket‑List Train Ride: The Kandy - Ella rail journey is regularly praised as one of the world’s most beautiful train rides.
See the Biggest Animal on the Planet: You can spot blue whales and dolphins off Mirissa, Trincomalee and Kalpitiya, making Sri Lanka a top whale‑watch destination.
The Home of “True” Cinnamon: Sri Lanka produces the lion’s share of the world’s “true” Ceylon cinnamon, most loved worldwide for its delicate flavour.
Nature and Culture, Side by Side: Of Sri Lanka’s 8 UNESCO sites, 2 are natural, including the Sinharaja Forest Reserve and the Central Highlands, and 6 are cultural, making it easy to combine them in one trip.
The Buddha’s Tooth Relic in Kandy: The Temple of the Tooth, Sri Dalada Maligawa, in Kandy, houses a sacred tooth relic of the Lord Buddha, believed to have been brought from India in the 4th century CE.
Essential Apps for Your Sri Lanka Trip
Food Delivery
In Sri Lanka, PickMe and Uber Eats allow you to browse menus from numerous restaurants and have meals delivered straight to your door. For any kind of online purchase, along with food delivery, Quickee is another very famous app in Sri Lanka.
Accommodation and Hotel Booking
Booking stays in Sri Lanka is easy with apps like Booking.com, Agoda and Expedia. They list numerous hotels, hostels and resorts. For apartments, villas or homestays, try Airbnb for more unique options.
Navigation
Use Google Maps for detailed routes and live
traffic. Maps.me is handy when you’re
offline. For local alerts, Gamana (a Sri
Lankan app) shows real‑time traffic, police
spots, and roadblocks.
Transport
The most famous is PickMe, Sri Lanka’s go‑to transport app. Here, you can book tuk‑tuks, cars, vans, and even get food delivered. Tgo and JRide are smaller alternatives that also offer ride‑hailing and delivery services.
Sightseeing and Events
Exploring Sri Lanka is easier with apps like
GetYourGuide and Viator. GetYourGuide
offers a diverse range of activities, while
Viator helps you secure spots at popular
sights and experiences.
Other Useful Apps & Websites
Pick up a local SIM at the airport, Dialog or Mobitel, as it’s far cheaper than using your Indian number on roaming. You can book train tickets on the Sri Lanka Railways online reservation site. But remember that you’ll still need to print the physical ticket at your boarding station.
Key Takeaways
Sri Lanka is booming with Indian tourists. India remains the island’s foremost source market in 2025, contributing a high percentage of total arrivals. From January to June 2025 alone, 241,994 Indians visited the country. With Indians travelling abroad in bigger numbers, travel policy purchases also rose, signalling that flyers now want a solid buffer against medical bills, flight disruptions, and lost baggage.
Imagine this: you twist your ankle hiking Ella Rock, your return flight from Colombo is delayed overnight, or your checked-in bag goes missing. Medical bills, extra hotel costs and emergency purchases can quickly snowball, unless you’re covered.
That’s where IndusInd General Insurance (formerly Reliance General Insurance) steps in. With high medical coverage of up to USD 500,000*,
delay/cancellation support, and 24/7 assistance, you are supported throughout your trip. You can store and claim through the IndusInd Self‑i app, so help is always a tap away. With us, you can travel lighter, financially and mentally
Reliance General Insurance
Aapke Protection ka All-rounder
Sri Lanka Travel plans starting at just ₹306*
Insure Your Trip to Sri Lanka Today!
From Ella’s misty trails to Mirissa’s turquoise waves, you stay protected with IndusInd Sri Lanka travel insurance. We keep your journeys worry-free while we handle the what-ifs!
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Disclaimer:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Product & Sum Insured: T&C Apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy – Individual – Platinum Plan. Total loss of checked baggage: Maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of applicable sum insured and per item in baggage maximum 10%.
Premium - Asia & International: The premium mentioned is excluding taxes for a medical sum insured of $25,000 for an Individual of 20 years on an Asia trip of 4 days. This is applicable for Asia plan only.
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