Yes, travel insurance is genuinely important for a stay on this private coral island in the Seychelles' Outer Islands, and the honest reason is remoteness rather than the island's own comfortable setting. A private-island trip can make it easy to overlook how far this sits from anything resembling a full hospital, north of Mahe, the country's main island and the site of Seychelles International Airport. The island is also run partly as a nature reserve, with restored native vegetation and seabird colonies, which adds to the sense of isolation from any built-up services.
Medical facilities on a small Outer Island are limited to basic first aid at most, and anything serious is typically stabilized on site if possible and then evacuated by light aircraft to Mahe, home to Victoria and the country's main hospital. For genuinely complex or specialist cases, further evacuation abroad - often to Nairobi, Johannesburg, or Europe - is a realistic possibility given how limited Seychelles' own specialist capacity is. Confirm your policy covers multi-leg medical evacuation rather than only routine treatment, since a case that starts with a short hop to Mahe can still end up requiring an international transfer.
Diving is a genuine draw across the Seychelles, including reef sites near the Outer Islands, and this activity carries risk that a generic travel policy sometimes underinsures with depth caps or exclusions. Confirm your policy names diving specifically if it is part of your stay, and check that it covers evacuation arising from a diving injury, not just routine illness, given how far this island sits from any larger medical center.
Keep any resort clinic paperwork, dive-operator incident reports, and receipts for emergency transport, since documentation from a remote private island is easy to lose track of. Check whether your existing health cover extends abroad and specifically to the Seychelles before relying on it, and confirm your policy's evacuation claims process before you travel rather than after something happens.