The Maldives (Dhivehi: ދިވެހިރާއްޖެ Dhivehi Raajje) are an archipelago of 1,192 coral islands grouped into 26 coral atolls (200 inhabited islands, plus 80 islands with tourist resorts) in the Indian Ocean. They lie south-southwest of India and are considered part of Southern Asia.
Maldives was for the most part unknown to tourists until the early 1970s. Just 185 of the islands are home to its 300,000 inhabitants. The other islands are used entirely for economic functions, of that tourism and agriculture are dominant. Tourism accounts for 28% of the GDP. Over 90% of the state government income comes from import duties and tourism-related taxes.
Formerly a Sultanate under Dutch and British protection, the Maldives are now a republic. Long ruled over with an iron fist by Maumoon Abdul Gayoom, who did not hesitate to jail dissidents and was re-elected five times in more or less rigged elections, resistance to his rule culminated in violent rioting in 2003 and 2004. Under international pressure, free and fair elections were finally held in 2008, and Gayoom gracefully conceded defeat to opposition leader Mohamed Nasheed, "Anni".
Following protests that started on 1 May 2011, Mohamed Nasheed was forced to resign from office on 7 February 2012. Mohammed Waheed Hassan, supported by the former dictator, was appointed president of the Maldives. There have been reports of violence and human rights violations by the security forces against protesters backing Nasheed.
The Tsunami of 26 December 2004 caused extensive damage to the Maldives - of a population of only 290,000, over a third was directly affected by the tsunami and more than 15,000 people were left homeless. The economic damage alone was over 62% of the GDP or USD470 million.
The immediate response from international donors and agencies mobilized more than USD400 million in aid after the disaster, much of which was used to help misplaced persons rebuild their homes and infrastructure damaged by the waves. As of December 24, 2010, six years after the tsunami, the number of persons living in temporary shelters had fallen from 15,000 to only 1,600 people.
Tourism, Maldives largest industry, accounts for 20% of GDP and more than 60% of the Maldives' foreign exchange receipts. Over 90% of government tax revenue comes from import duties and tourism-related taxes. Over 600,000 tourists visited the islands in 2006. Fishing is a second leading sector. The Maldivian Government began an economic reform program in 1989 initially by lifting import quotas and opening some exports to the private sector. Subsequently, it has liberalized regulations to allow more foreign investment. Agriculture and manufacturing continue to play a minor role in the economy, constrained by the limited availability of cultivable land and the shortage of domestic labour. Most staple foods must be imported. Industry, which consists mainly of garment production, boat building, and handicrafts, accounts for about 18% of GDP. Maldivian authorities worry about the impact of erosion and global warming on their low-lying country; 80% of the area is one meter or less above sea level.
Maldivians are almost entirely Sunni Muslim, and the local culture is a mixture of South Indian, Sinhalese and Arab influences. While alcohol, pork, drugs and public observance of non-Muslim religions are banned on the inhabited islands, the resort islands are allowed to exist in a bubble where almost anything goes.
The weekend in the Maldives runs from Friday to Saturday, during which banks, government offices and many shops are closed. You won't notice this at the resorts though, except that lunch hours may be shifted for Friday prayers.
The Maldives are tropical, with plenty of sunshine and temperatures around 30°C throughout the year. However, rainfall increases considerably during the April-October southwest monsoon, particularly from June to August.
The Maldives are formed of 26 atolls, or atholhu in Dhivehi — the source of the English word. These are not single islands, but giant ringlike coral formations hundreds of kilometres wide that have fragmented into countless islands.
Atoll naming is complex, as the atolls have both lengthy traditional Dhivehi names like Maalhosmadulu Dhekunuburi, and snappy code names like Baa that refer to administrative regions and may consist of more than one geographical atoll. The code names are actually just the letters of Dhivehi alphabet, but being easier for non-Maldivians to remember and pronounce, the code names are popular in the travel industry and are hence also used here. Of the 20 administrative atoll groups, only (parts of) 10 are open to tourism, and from north to south these are:
The Maldives have a remarkably easy visa policy -- Everybody gets a free 30-day visa on arrival, provided that they have a valid travel document, a ticket out and proof of sufficient funds, defined as either a confirmed reservation in any resort or USD100 + USD50/day  in cash. This can be extended up to 90 days at Male, but you'll need to indicate where you're staying for that long. See the Department of Immigration and Emigration website  for details.
Importing alcohol, pork or pornography (very broadly defined) into the Maldives is forbidden and all luggage is X-rayed on arrival. On the way out, note that exporting sand, seashells or coral is also forbidden.
Practically all visitors arrive at Malé International Airport (IATA: MLE, ICAO: VRMM), located on Hulhulé Island right next to the capital Male. The airport is served by a wide array of flights to China, India, Sri Lanka, Dubai and major airports in South-East Asia, as well as an increasing number of charters from Europe. Many flights stop in Colombo (Sri Lanka) on the way.
Departure taxes are included in your ticket.
British Airways now flies directly from London Gatwick to Male 3 times a week (Sunday, Tuesday and Friday)
Cathay Pacific Airlines flies 4 times a week from Hong Kong (Wed, Thu, Sat, Sun)
Singapore Airlines flies daily direct from Singapore to Male, with late night timings.
Turkish Airlines flies directly from Istanbul Ataturk to Male 5 times in a week.
Emirates flies direct from Dubai to Male', twice a day.
Austrian Airlines flies between Vienna and Male once a week (outbound Vienna on Wednesday, inbound on Thursday morning)
There are no regular passenger boats to the Maldives. Even yachts usually steer clear, as navigating around the reefs is hazardous and permits are expensive.
Getting around in the Maldives takes three forms: boats, sea planes (air taxis) and private yachts. The boats are the Maldivian equivalent of a car, while planes and private yachts are mainly reserved for tourists.
Air taxis and boats prefer not to operate at night, so if you arrive at the airport after dark and are going to a distant resort, you may have to spend the night in Male or at the airport hotel in Hulhule. Private transfers, though expensive can be opted for resort transfers, instead of spending the whole night at Male. Private transfers could cost anywhere between USD500-800. On the way back, there may also be a significant gap between the time your transfer arrives and your flight departure. Check with your resort or travel agent.
Public ferries and cargo boats are available for more independent-minded and budget-conscious travellers.
Independent travel to inhabited islands other than Male requires an Inter Atoll Traveling Permit (IATP) , and receiving one requires MVR10, a copy of your passport and — the hard part — an invitation from a resident of the island you wish to visit. Permits are not necessary for the organized island-hopping tours arranged by resorts and liveaboards. [ATTENTION: The last passage is likely to be outdated. As of May 2014, no such permits appeared to be necessary.]
No point in the Maldives is more than 90 minutes away by plane from Male, and visitors to the more far-flung resorts use air taxi services. There are two main operators: Maldivian Air Taxi , with red and white planes, and Trans Maldivian Airways , with yellow and blue planes. The services are largely identical, with both flying DHC-6 Twin Otter seaplanes that take around 15 passengers. In 2013, Maldivian Air Taxi (MAT) and Trans Maldivian Airways (TMA) were both acquired by the Blackstone group and the company was named Trans Maldivian Airways.
Water transport take three board forms:
The taxi boats generally take tourists to and from the islands and resort islands. They come in all different shapes and sizes depending on the quality of the resort you stay in the Four Seasons has a large enclosed motor cruiser with drinks and food, while the lesser resorts have open sided dhoni type boats. No public ferries run on Friday. Timetables can be found at . The nature of ferry times and their regularity can make 'island-hopping' a challenge but not impossible. More difficult is going between atolls by public ferry, as few inter-atoll ferries exist. Getting decent information (even from locals) is tough. Getting anywhere that is not a population centre will normally need a speedboat charter and very deep pockets. If trying to plan a island hopping vacation a good way to start is by looking at islands with guesthouses and contacting the guesthouses for information on how to get there, guesthouse owners will know all the options - you can then look at how to string together 2 or 3 islands using public ferries. Most popular are the islands in the South Male atoll, with Maafushi the clear tourist hub. If visiting a resort as a FIT ('free independent traveler' in the tourist jargon) you may be able to organise a transfer from Maafushi or elsewhere, saving on expensive transfers from the airport. For example transfers from Maafushi to a South Male atoll resort are around $25-$30 per person each way.
Maldivian Dhivehi, a close relative of Sinhala (spoken in Sri Lanka) but with borrowings from Urdu, Hindi, Arabic and many other languages, is the official language. It is written in a remarkable hybrid script called Thaana, which uses Arabic and Indic numbers as the base of the alphabet, written from right to left with Arabic vowel signs. The script is thought to have originated as a secret code for writing magical formulas so that outsiders can't read them, which would also explain why the ordering of the alphabet is, as far as linguists can tell, completely random!
English is widely spoken, particularly by government officials and those working in the tourism industry. English is the language of instruction in schools, which means that you will be able to communicate with the locals with varying degrees of difficulty.
Since Maldives happen to be a popular destination for German and Italian holiday goers, a sizeable number of local resort workers are able to speak fluent German and Italian. This may vary depending on the resorts you plan to visit, though.
Diving and snorkelling
Aside from making the water bungalow rock on your honeymoon, the primary activity on the Maldives is scuba diving. The atolls are all coral reefs hundreds of kilometres away from any major landmass, meaning that water clarity is excellent and underwater life is abundant. Manta rays, sharks, even a few wrecks, you name it, you can find it in the Maldives.
While diving is very good by world standards even in the immediate vicinity of Male, visibility and the chance of encountering large pelagics increases as you head to the outer atolls. Many divers opt for liveaboards, which can actually work out much cheaper than paying high resort fees. Currents vary considerably, with generally little inside the atolls but some powerful streams to be found on the sides facing the open sea. Water in the Maldives is warm throughout the year and a 3mm shorty or Lycra diveskin is plenty. Diving is possible throughout the year, but rain, wind and waves are most common during the season of the southwest monsoon (June-August). The best time for scuba diving is from January to April, when the sea is calm, the sun is shining and the visibility can reach 30m. Decompression chambers can be found on Bandos in Kaafu (15min from Male), Kuredu in Lhaviyani Atoll and at Kuramathi on Alifu.
The one downside to diving in the Maldives is that it's quite expensive by Asian standards. Prices vary considerably from resort to resort, with specialist dive resorts offering better prices, but in general, you'll be looking at around US$50 for a single boat dive with your own gear and closer to USD75 without. Beware of surcharges: you may be charged extra for boat use, guided dives, larger tanks, etc. On the upside, safety standards are usually very high, with well-maintained gear and strict adherence to protocol (check dives, maximum depth, computer use, etc) being the rule rather than the exception. For the people who don't know how to dive, they can practice underwater scooters in Malé.
The Maldives is becoming an increasingly popular surfing destination. Turquoise water and perfect waves makes it an ideal and uncrowded destination for surfers looking for smooth surfing conditions.
The best period for surfing in the Maldives is between March and October; the biggest waves occurring in June, July and August. This paradise is exposed to the same swells as Indonesia is, except that its higher latitude and its South-East exposure offers cooler and less hardcore surfing. The recent O’Neil Deep Blue Contests held in the Maldives has placed Maldives firmly on the world’s surf map. While most of the recognized surf breaks are in Male’ Atoll, there is certainly more to be discovered. South Central atolls Laamu and Huvadhoo are more exposed to swell moving up from the Antarctic and is the first stop to unleash its power on the fringes of the south south/west of these atolls. Most surfing information is focused on Male and resorts around Male, which sadly in recent years has become overcrowded with safari boats and aggressive tourists all fighting for waves. The southern atolls are still quite with world class breaks....some secret spots to be found.
Specialized companies organize tailored multi-day boat trips in the region, allowing surfers to move easily from one point to another and maximizing the surfing time.
Since 2010 Maldivian law changed, allowing Tourists to vacation on local islands, away from resorts and safari boats. These local boutique hotels offer realistic prices for surf travelers, who wish to stay on land and experience the real Maldives.
The local currency is the Maldivian rufiyaa sometimes symbolised locally as "Rf" placed before or after the amount and divided into 100 laari. Throughout our guides we use the international symbolisation of MVR placed before the amount with no intervening space.
However, by law resorts price services in US dollars (USD) and require payment in hard currency (or credit card), so there's absolutely no need to change money if you're going to spend all your time at the resorts. Most hotels have a shop but this is limited to diving and holiday essentials (sun cream, sarongs, disposable cameras, etc.) Some excursions from resorts will take you to local islands where there are handicraft type things to buy, but they are typically made outside the Maldives and sold at outrageous markups.
If you are heading to Male or the other inhabited atolls, exchanging some rufiyaa will come in handy. The coins, in particular, are quite attractive and make an interesting souvenir in themselves, but the smaller denominations are rarely used or seen. The official exchange rate to the US dollar is floated but practically 15:1, but while dollars are near-universally accepted, shops usually exchange them at 15:1 or even 10:1. You can get select major currencies exchanged at the airport after arrival at the forex center in the airport itself.
If you want to get a local SIM card, there is a Dhiraagu shop (the primary local telecom company) just to the left of the airport arrivals area upon exiting. A local cell number is needed to purchase time at many Wi-Fi spots around the country (sometimes reachable from where liveaboards anchor for the night).
Maldives are expensive for those who have comfort- and service-oriented tourism in mind. Resorts have a monopoly on services for their guests and charge accordingly: for mid-range resorts, USD1000 per week per couple is a conservative budget for meals, drinks and excursions, above and beyond the cost of flights and accommodation. Practically anything — including hotel rooms if booked locally — gets slapped with an arbitrary 10% "service charge", but tips are expected on top. The service charge is, by law, divided among the staff at months end, and hence is a proxy employee profit sharing scheme.
At the same time, for a traveller who has time, Maldives can be an affordable and possibly rewarding experience, with prices comparable to the Caribbean (Cuba aside), but extremely poor value when compared to other South and South East Asian countries, if one's aim is adventure tourism. For people focused on sampling the local life and ambiance away from the tourist crowd, the prices are roughly similar to Malaysia.
A number of inhabited islands have guesthouses with typical prices $50-100 per room, but expect the arbitrary 10% "service charge" and 6% GST and maybe 3.5% if you need to pay with a credit card on top - $75 soon comes nearer to $100. At more remote islands, renting rooms in villages is possible at even less than that. Food is inexpensive (and fish curries are delicious), but without variety and anything imported (which is almost everything is expensive). Public ferries will transfer you between different islands of the same atoll for a few dollars (though for less obvious locations, there will typically be 1 ferry per day/two and no ferries on Fridays). For transfers to remote atolls, one can negotiate with cargo boats, which would often take people for USD15-40, depending on the destination. Cargo boats do not have schedules and depart when loaded. One may expect 1 boat in 1-3 days for each atoll.
It is important to have in mind that staying on inhabited islands implies respecting the strict Muslim norms (no alcohol, modest dress, reserved behavior). At the same time, the locals are very welcoming and the experience may be much deeper and more rewarding than staying in resorts, depending on one's mindset.
One thing you will save money on is alcohol. In fact it is free because you can't buy it (outside resort islands that cost a fortune to reach (private transfer required). The real budget killer comes with doing anything that is not sitting on a beach or swimming off the shore as getting to better reefs, uninhabited island and anything that needs a private boat is expensive ($150-200/boat) and there is just not enough tourists (or lack of organisation) to have larger group tours leaving regularly as in somewhere like Thailand that could cut and share costs.
All the resorts are self contained so they have at least one restaurant, which generally serve the type of cuisine expected by their guests. ( i.e. modern European or generic Asian). Breakfast is almost always included, and most resorts offer the option of half-board, which means you get a dinner buffet, and full board, which means you get a lunch and dinner buffet. These can limit the damage compared to ordering a la carte, but your options are typically very limited and drinks are often not covered, not necessarily even water. If you're planning on drinking a lot, it may be worthwhile to go all inclusive, but even this typically restricts you to house drinks.
Male has a thriving restaurant scene, aimed both at tourists and the increasingly moneyed Maldivian elite. Outside of greater Male the options are limited, with small populated islands having zero or one cafe (called hotaa) selling local Maldivian food at prices as low as MVR20 for a complete meal.
Maldivian food revolves largely around fish (mas), in particular tuna (kandu mas), and draws heavily from the Sri Lankan and south Indian tradition, especially Kerala. Dishes are often hot, spicy and flavored with coconut, but use very few vegetables. A traditional meal consists of rice, a clear fish broth called garudhiya and side dishes of lime, chili and onions. Curries known as riha are also popular and the rice is often supplemented with roshi, unleavened bread akin to Indian roti, and papadhu, the Maldivian version of crispy Indian poppadums. Some other common dishes include:
Snacks called hedhikaa, almost invariably fish-based and deep-fried, can be found in any Maldivian restaurant.
Legally, if you're 18 and not a Muslim, you can buy and drink alcohol. However since the Maldives are a Islamic nation, alcohol is effectively banned for the local population.
However, nearly all resorts and liveaboard boats are licensed to serve alcohol, usually with a steep markup. The expatriate liquor permit which used to allow expats to buy alcohol for their own consumption has been removed. The only place near Male, aside from resorts, where people can drink alcohol is at the Hulhule Island Hotel, commonly known as HIH or the airport hotel.
Maldivians generally do not drink alcohol although this is less true of the younger generation. They are, however, unhappy about being filmed or photographed while drinking.
Tap water in resorts may or may not be drinkable -- check with management. Bottled water is extortionately priced, with USD5/bottle being typical.
Accommodation in the Maldives can be broadly separated in to three categories
1) The tourist resort - by far and away the dominant sector, with over 30,000 beds as of 2015. Resorts come in many shapes and sizes. catering almost exclusively to the package tour market. However independent visitors, often booking through an online agency, are becoming more popular, especially with those looking to combine staying in guesthouses with a few days in a resort.
2) The Male hotel - this sector caters for the islander visiting the capital for a few days or weeks, the businessman staying in Male for work, and the international tourist, staying in Male for the night due to its proximity to the airport.
3) The guesthouse - currently going through something of a revolution, with guesthouses on inhabited islands now the fastest growing sector, but still accounting for less than 2,000 beds. This is the more affordable option for independent tourists exploring the atolls. Guesthouses range from simple establishments with 2 or 3 rooms, to proper hotels located near the 'bikini beach' on an inhabited island. Due to the lack of eating options on many islands, guesthouses often have half board and full board options.
The Maldives has a well established and mature tourism industry accounting for more than 25% of the economy. This translates to a sophisticated network of tour agencies, marketing firms, and last minute discounters who all know how to maximise profits and squeeze the most out of each resort. Add to this the seemingly hundreds of internet websites and booking companies selling resort holidays. For the independent traveler looking to book their own holiday this presents a labyrinth of different options that can make organising an independent trip quite exhausting - every resort has its own website, review websites offer tens of thousands of reviews, booking websites offer 100s of discounts and special offers depending on room type and meal plan - planning a resort visit can soon become an internet trawling nightmare.
Be aware that price discrimination is rampant - the same room in the same resort for a given day will have a different price depending on your nationality and whether you are booking direct or through an agency, and may vary by agency (although major internet booking websites tend to all offer the same price once you take tax and service charges in to account). If you are only considering staying at a resort, and not visiting any islands independently, do consider booking a standard package tour from a travel agency in your home country (and shopping around agencies to compare prices) - this will most likely give you the best price. If you are trying to independently book a resort, try phoning an agency in Male with a rough idea of the type of resort you are looking for, and seeing what they offer, you can then compare with internet prices. Everything will be quoted in US dollars.
Tips for getting the best price for a resort
1. Contact a few agencies in Male as well as checking prices on booking websites and resort websites. Some agencies will have negotiated rates with certain resorts that can be 30% or more below what is quoted online.
2. See if you can organise your own transfer. This works best for resorts in the North and South Male atolls. Taking a public ferry or shared speedboat to Maafushi, then a transfer (eg with ICom) to a nearby resort island, will work out much cheaper than a speedboat transfer direct from the airport.
3. Book half-board rather than Bed & Breakfast. Evening meals can be furiously expensive ($80+ per person excluding drinks for a 2 course meal). Breakfasts tend to be huge buffets, lessening the need for lunch / full board.
4. Be very clear on whether the price includes tax, service charges, credit card fees, and airport transfers. Many online prices exclude these, which combined add 23%+ to your bill.
5. Be aware of the cost of activities in your chosen resort. The more expensive the resort, the more expensive the activities. If you want to do more than just relax on the beach, the cost of activities do add up ($80 per person for a 3 hour snorkeling trip, $110 per person for a sunset cruise, $160 for a 3 hour trip to a local island etc.)
Most resorts take up their own island (from the tiny 250x250m to the sprawling 1500x1500m), meaning that the ratio of beach to guests must be one of the best in the world and it is hard to imagine that you would ever have to struggle to find your own private piece of beach to relax on. Many have a "no shoes" policy and with such soft sands it is easy to love this idea.
The range and themes or the resorts is impressive, and most people will find one they like. Broadly speaking, however, they can be grouped into three brackets:
A Maldivian classic is the overwater bungalow, built on stilts directly above a lagoon. While these look fabulous and sound appealing, they have their downsides:
These factors vary from resort to resort, so research carefully. A good one is definitely worth trying at least once, but many Maldives repeaters prefer a bungalow with a private beach.
When considering where to go, factor in transport time and costs from the airport: the more far-flung resorts generally require an expensive seaplane transfer and you may have to stay overnight at the airport on the way. On the upside, the further away you are from Male, the more peaceful the islands and the better the diving.
Many resorts, especially the smaller dive-oriented ones, cater largely to a single nationality, leading to "Italian" resorts, "Dutch" resorts, "German" resorts, etc. While almost all welcome any nationality and have some English-speaking staff on hand, you may be cut off from any evening entertainment and have problems eg. diving if you don't speak the local lingo.
By now there are many guesthouses on inhabited islands. Maafushi island is popular among tourists looking for hassle-free accommodations of this sort. Low end prices are €25-35.
More examples include: Equator Village on Addu Atoll, a former RAF base converted to a 78 room hotel. Cost is around USD100-150 pp/per day all inclusive (includes regular brand alcohol). Another unique location is Keyodhoo Guest House, this guest house is located on top of a recreation centre build by Australian after the tsunami (USD20 pp/per night). Most travellers to these locations are scuba divers for the diving or adventure travellers. Other Inns/B&B can also be found on Vaavu Atoll, Dhaalu Atoll, Kaafu Atoll, North and South Male Atoll. Only a few of these Inn/B&B have their own pool. Be sure to inquire if bikini is allowed on the local beach. Travel between the inn and beach are usually very close but be sure to dress appropriately with Maldive customs.
More independent-minded travellers and those looking for cultural experience may consider renting rooms in villages. This will require either walking through the village and asking around if you're particularly confident of your social skills, or inquiring in Male whether someone can put you in contact with their friends or relatives on remote island for such an informal homestay. Prices can be as low as 15 euros per night for a clean functional room.
The education system, although having many problems such as poor student literacy rates in English (the medium of instruction for most subjects), is freely available for all Maldivians.
Getting a job in the Maldives can be tricky. It is not the kind of place where you can just turn up and start job hunting. Generally the resorts take on a mix of local and international staff so you need to approach the resort Human Resources departments. There is a good mix of jobs but a lot of the roles are diving based (divemasters, instructors, photographers, etc).
Most resorts are predominantly one or two nationalities so finding the resorts that match your language skills helps. After that experience always helps (especially for diving instructors as the Maldives are well known for their strong currents and half of the time the currents will take you straight out into the Indian Ocean).
Generally if you get a job with a resort then they will get you a work permit and pay for your flight, food and accommodation. They don't really have much choice-- it's hardly as if you can pop out to the supermarket and pick up a pizza for dinner.
All foreign workers have to have a series of medical tests before you can start work in the Indira Gandhi Memorial Hospital. This includes a blood sample (lots of tests including HIV as well as x-ray etc). It is quick and easy but they are very uncommunicative about what they are doing.
Crime is rare both inside tourist resorts, and outside in Male and elsewhere. Generally Maldivians are honest, helpful and welcoming people although you are unlikely to come into much contact with them in resorts.
There are no drugs anywhere in the resorts but most Maldivians have easy access to drugs, reportedly 50% of the young generation are drug users; there is a growing drug problem among the local population and so petty crime to support it has arisen. Take the usual precautions such as not leaving money and valuables lying around, and use in-room safe deposit boxes. Take note that every $50 US you spend at a bar or restaurant represents 10 days' wages for cleaners.
Anti-government street rioting occurred in Male between 2003 and 2005. Political tensions have been relieved by the opposition victory in the elections of 2008, but came back in second half of 2011 and continue through 2012.
Violence and discrimination often happens towards LGBT people and the government turns a blind eye towards it. Homosexuality is illegal: vigilante enforcement of Sharia law (i.e., murder on the spot) is possible though official government laws are limited to punishments of whipping/6 years in prison/house arrest/deportation.
There are no serious problems with diseases in the Maldives. Beware that tap water may not be drinkable at all resorts: enquire locally. The Maldives are malaria-free, but some islands do have mosquitoes and catching dengue fever from them is possible, albeit highly unlikely. For those coming from regions infected by yellow fever, an international certificate of inoculation is required.
Most of the problems come from diving or sun related injuries. Heat stroke always cause problems in the tropics but couple that with divers spending hours at a time on a boat wearing a wetsuit and overheating of one form or another is a real issue. Keeping this in mind, such injuries will be easily avoidable as long as you drink lots of water and get into the shade as much as possible.
Lots of the resorts have their own doctor or nurse and most are within easy reach of the decompression chambers. Male has an efficient and fairly modern hospital but bear in mind that it is a long way to get medically evacuated from.