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Motor Third Party Takaful is a mandatory requirement for all vehicles used in Maldives. This policy covers the damages caused to a third party due to a road accident in which you have to bear responsible. This policy does not cover any damages to your own vehicle or own bodily injuries.

The coverage includes:

Road accidents are increasing day by day and it is now crucial to have a wider insurance coverage to shield your vehicle from such losses. Amana Total Drive is particularly designed to provide an inclusive coverage for the vehicle owners to offer a total solution for such losses triggered from;

Moreover, the policy also covers;

We travel to explore, relax, enjoy and also to have a peace of mind from everyday bustling life. To have the kind of vacation you dreamt about, it is important to get covered from an ill-fated incident that may ruin your invaluable vacation. Travel Pal Takaful from Amana is specifically designed to provide you the right set of coverages to address the most of the incidents that may take you by surprise.

The coverage includes;

Coverage options and benefit details;

Geographical Limit Worldwide Worldwide (excluding USA & Canada) Asia
Benefits Scheme 1 Scheme 2 Scheme 3 Scheme 4 Scheme 5 Scheme 6 Scheme 7
Personal Accident and
permanent total
50,000 25,000 50,000 25,000 50,000 25,000 25,000
Medical expenses 100,000 50,000 100,000 50,000 100,000 50,000 25,000
Covid -19 Coverage 50,000 25,000 50,000 25,000 50,000 25,000 25,000
Cancellation curtailment 1,500 1,500 1,500 1,500 1,500 1,500 1,500
Loss of passport 250 250 250 250 250 250 250
Loss of checked in
2,000 1,500 2,000 1,500 2,000 1,500 1,500
Missed departure/
500 400 500 400 500 400 250
Hijacking 1,500 1,000 1,500 1,000 1,500 1,000 750
Travel Delay (12 hrs.)/
Holiday Cancellation
2,000 1,000 2,000 1,000 2,000 1,000 750
Personal Liability 20,000 10,000 20,000 10,000 20,000 10,000 5,000

Expatriate Takaful

Expatriate employees account for more than a third of the population, they serve in different capacities in Maldives. To maintain a benchmark Government of Maldives have introduced a mandatory expatriate medical coverage. Hence, Amana Takaful, with its vast network of medical service providers have embarked on providing the best solution with convenience to end-users (expatriates) of the product.

The coverage includes;

1. Out-patient Benefits

2. In-patient Benefits

i. Hospital Benefits

ii. Surgical Benefits: Surgical expenses comprising the following (but excluding organ transplantation)

iii. Medical Benefits (medical expenses for non-surgical treatments)

iv. Pre-existing conditions

3. Repatriation or burial in Maldives cover:

Repatriation cost of mortal remains to his/her country from Maldives or burial cost within Maldives (if loss of life occurs within Maldives) – up to the Annual Limit

Personal Accident Takaful

Enjoy the freedom to take on opportunities and challenges in life, while ensuring that your loved ones will always be taken care of. Our Personal Accident Cover offers an annually renewable death and living benefit cover for yourself, including

Renters Takaful

Our belongings are precious, and we take whatever it takes to safeguard them all! The Renters Takaful is crafted knowing the requirements, to precisely address the most challenging issues for the renters in Male’ City. Renters Takaful covers you against a bunch of all-too-common situations, like flooding, fire and burglary damages to your belongings in the apartment you dwell.

What items can be covered?

Which incidents can be covered?

Contribution details

Sum Insured Contribution
Up to MVR 200,000 MVR 299.00
MVR 200,001 to MVR 350,000 MVR 399.00
MVR 350,001 to MVR 500,000 MVR 499.00
MVR 500,001 to MVR 750,000 MVR 599.00

Fire Takaful

The constant worry of property owners is on the challenges of uncertainty, and how to overcome from such an unbecoming, catastrophic and investment intensive loss. Buying a fire takaful offers wider coverage from a vast array of risks. Get your property covered now and be prepared for the unforeseen event.

What item can be covered?

Which incidents can be covered?

Marine Hull Takaful

Whether you’re looking to protect a small dhoni, fishing vessel, passenger/cargo vessel or a Safari Boat, hull Takaful is an important product in today’s marine industry. As well as paying for necessary repairs to your vessel’s hull, it covers the cost of machinery malfunctions and problems with on-board equipment. So if anything goes wrong, you don’t have to worry about the financial implications of putting it back to work.

What item can be covered?

What are the coverage options?

Comprehensive Cover: Provides coverage for damages occurred due to an incident identified below. In addition, this coverage includes for total loss of vessel as well.

Total Loss Cover: Coverage is applicable when the vessel encounters a total loss.

Which incidents can be covered?

My Home Takaful

Your home is your sanctuary. A place to call your own. A place where love and laughter are unconditional. Takaful My Home is a tailor-made policy that ensures that your home, will always remain your safe haven, where memories are cherished and relived in the years to come.

The coverage includes;

Free covers;

Optional covers;

* In addition to the above, we also provide the mandatory insurance policy requested by banks when applying for a housing loan. Takaful My Home is the best value for money policy you can get.

NIVAA Hajj and Umrah Takaful

It is your lifelong dream, and you have been saving all of your money in the hope that one day you will be in that holy land. Insha’Allah this is your time. This takaful cover will aid you to minimize any financial loss that you may incur from an unexpected incident that may occur while performing Hajj or Umrah, and to provide you with peace of mind so that you may fully concentrate on your worship.


1. Medical expenses - Up to MVR 500,000 (Excess of MVR 1,500)

Emergency medical expenses inclusive of room charges, intensive care unit, surgical treatment, anesthetic service, physician visit, diagnostic or pre admission testing, ambulance services, outpatient treatment and emergency dental treatment.

2. Personal accident and permanent total disability – Up to MVR 300,000

A sustained bodily injury during the trip caused by accidental external violent and visible means and resulted to death or permanent total disablement.

3. Cancelation or Curtailment – Up to MVR 20,000

Irrecoverable deposits or payments for used travel and accommodations paid in advance or contracted to be paid will be reimbursed in the event of an unavoidable trip cancellation.

4. Loss of passport– Up to MVR 3,000

Covers any additional expenses incurred during the trip to replace a lost passport.

5. Loss of checked in baggage – Up to MVR 10,000

Permanent loss of baggage that has been checked-in by an international airline.

6. Delay of checked in baggage – MVR 2,000

An event of suffering a delay of baggage that has been checked in by an international airline. Benefit will only be payable in case of delays an entire piece of checked baggage

7. Hijacking – Up to MVR 15,000

Will be covered according to the selected scheme for each completes day you are detained in excess of 24 hours

8. Personal Liability – Up to MVR 150,000

Covers any bodily injury or property damage caused to a third party during the trip for which you are legally responsible.

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