Travel insurance for Gan, in the Maldives, should be built around diving cover and medical evacuation, because Addu Atoll, where Gan sits, is one of the country's most southerly and remote areas. Gan is the airport island for Addu, about 540 kilometres south of the capital Male and reached by a domestic flight, and it is popular for diving. That remoteness, and the nature of diving, are exactly why the right policy matters here.
Diving cover and decompression
Gan and Addu Atoll are a diving destination, and diving is the main reason to read a policy carefully. Dive centres in the Maldives generally require you to hold your own insurance, and they do not cover the cost of hyperbaric treatment or evacuation after a decompression incident. Many standard travel policies exclude scuba, cap the depth they cover, or exclude chamber treatment, so confirm your policy explicitly includes recreational diving to your planned depth and covers decompression treatment. Many divers add specialist diving cover, such as DAN membership, for exactly this reason.
Remote, so evacuation is expensive
The Maldives is a scattered chain of atolls, and the main decompression chambers are in the north, near Male, so reaching one from Addu takes time and is often seaplane-dependent and limited to daylight hours. For a serious case, an air evacuation to Sri Lanka or Singapore can cost from twenty to fifty thousand US dollars or more without cover. A policy with a strong medical-evacuation limit is therefore essential, and the evacuation figure is the one to check most carefully.
Choosing a policy
Prioritise explicit diving cover to your planned depth, decompression-chamber treatment, and a strong medical-evacuation limit, and confirm the Maldives and remote-atoll travel are covered. Remember the standard rule not to fly too soon after your last dive. Subscription-style cover such as SafetyWing suits long trips, but confirm it covers diving specifically, as many plans do not. Buy the cover before you leave home, because most insurers will not cover a trip once it has already started, and carry any personal medication, as island facilities are basic.