Maldive: moneta, costi, sanità e ordinamento politico

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Maldivian Rufiyaa

Maldivian Rufiyaa

Cash, Cards, and Local Currency

The official currency in the Maldives is the Maldivian Rufiyaa (MVR), which is subdivided into 100 laari. The name “rufiyaa” comes from the Hindi word rupayā, which in turn originates from the Sanskrit rupya, meaning "wrought silver." The coins currently in circulation include 1, 5, 10, 25, and 50 laari, as well as 1 and 2 rufiyaa. Banknotes are available in denominations of 5, 10, 20, 50, 100, and 500 rufiyaa, and are issued by the Maldives Monetary Authority (MMA).

In practice, especially in tourist areas, the US dollar (USD) is widely accepted as an alternative currency and is often used interchangeably with the rufiyaa. In many resorts and tourist facilities, euros are also accepted, and credit cards – particularly Visa, Mastercard, and sometimes American Express – are commonly used without issues. However, it's advisable to keep currency exchange receipts, especially if you plan to reconvert leftover rufiyaa into foreign currency before departure. This can only be done at the foreign exchange office located at the international airport arrivals hall, operated by the Bank of Maldives, which is the only official currency exchange office in the entire country.

If you're planning to visit local inhabited islands, it's a good idea to carry a small amount of cash in rufiyaa for small purchases, local restaurants, or transportation. Major banks, such as the Bank of Maldives, allow cash withdrawals via credit card, although only in local currency. Bank branches are strategically located in Malé, Hulhumalé, Gan, and the international airport. They are typically open from 9:00 AM to 1:00 PM, Sunday through Thursday.

Indicative exchange rates:

  • 1 Euro = 17.38 MVR
  • 1 MVR = 0.057 Euro
  • 1 USD = 15.29 MVR
  • 1 MVR = 0.07 USD

For a hassle-free trip, it’s best to travel with a mix of credit cards and cash, and to plan your expenses according to your travel itinerary.

Life Cost

Life Cost

How Much You Spend in Maldives

The cost of living in the Maldives can vary greatly depending on the type of trip and the accommodation you choose. In luxury resorts, prices are significantly higher: a cocktail can cost up to €15, dinner between €80 and €100 per person, and a spa massage can reach €100 or more. On top of these costs, there are often additional charges such as a 12% GST (Goods and Services Tax) and a 10% service charge, which are sometimes not included in the listed prices. On the other hand, on the local islands—where you’ll find guesthouses, traditional restaurants, and activities run by residents—prices are much more affordable. A full meal can cost between €5 and €10, excursions range from €25 to €80, and a double room with breakfast included can be found for €40 to €100 per night.

Tip: Carefully consider all-inclusive packages, which can offer good savings if well-structured. However, always check what is actually included—such as transfers, drinks, and extra activities—to avoid unexpected expenses during your stay.

Healthcare in the Maldives

Healthcare in the Maldives

Hospitals, Pharmacies and Medications

Healthcare standards in the Maldives vary widely depending on the location. In the capital city Malé and on the main islands, you’ll find public hospitals, private clinics, and medical centers offering both general and specialized care. However, on remote islands or in smaller atolls, healthcare is often limited to basic clinics with minimal staff and equipment. The Maldives’ main public hospital is the Indira Gandhi Memorial Hospital (IGMH) in Malé, which offers general medical services and emergency care. Several private clinics, such as ADK Hospital, provide higher standards of service and are often used by tourists. For serious illnesses or emergencies, evacuation to a foreign country — typically Sri Lanka or Dubai — may be necessary, as local facilities may not be equipped for complex treatments. Pharmacies and health stores are readily available in main tourist areas and larger islands. However, it’s strongly recommended to bring any essential medications with you, especially if you are on regular treatment. Local pharmacies may have limited stock and fewer international brands. Most pharmacies are open from 8:00 AM to 10:00 PM, but hours may vary in remote areas. A comprehensive international travel health insurance is highly recommended. It should cover medical expenses, hospitalization, emergency treatment, and ideally medical evacuation or repatriation. Private medical care and emergency transfers — especially by seaplane or helicopter — can be expensive. Some high-end resorts have an on-site doctor, but serious cases are referred to external medical facilities. No mandatory vaccinations are required to enter the Maldives, but it's advisable to be up to date with routine vaccines such as hepatitis A, hepatitis B, and tetanus. Health risks in tourist areas are low, but general precautions are recommended: be careful with food hygiene, sun exposure, and mosquito bites. Tap water is not safe to drink – always use sealed bottled water. The medical emergency number in the Maldives is 102. On resort islands, guests usually contact the resident doctor, who can arrange medical assistance or transport to Malé. Always carry a copy of your travel insurance policy, your emergency contacts, and a list of personal medications.

Maldives Political System

Maldives Political System

A Blend of Democracy and Religious Influence

The Maldives operates as a presidential republic, merging democratic structures with a profound Islamic influence, shaping its political and social dynamics.​

In this system, the President serves as both the head of state and government, elected every five years through direct universal suffrage. The President appoints the Cabinet, subject to approval by the People’s Majlis, the unicameral legislature comprising 93 directly elected members. The Majlis holds the authority to enact, amend, and repeal laws as stipulated by the Constitution.​

The Constitution guarantees freedom of thought and expression, provided these do not contradict Islamic principles. However, it also mandates that all citizens be Muslim and that all candidates for elected office adhere to Sunni Islam, effectively excluding adherents of minority religions from public office. High-level positions in state institutions or independent bodies, including the Human Rights Commission of the Maldives, also require individuals to be Sunni Muslim Maldivians.

The Maldivian legal system is predominantly influenced by Islamic law, guiding both personal and social aspects of life, particularly in civil matters. The Constitution does not specify which Islamic school of thought should be followed, but it has been argued that it favors a Sunni legal tradition. The legal framework combines Islamic principles with elements of English common law, especially in commercial matters. ​

Religious freedom is heavily restricted in the Maldives. Islam is the state religion, and the Constitution allows for limitations on rights and freedoms to protect Islam. Other laws criminalize criticism of the religion, and a license is required for preaching in public. The government and people are required to protect religious unity, and imams must use government-approved sermons. Non-Muslim foreigners are only permitted to observe their religions privately.

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