Health insurance in India
Whatever your situation and the reason for your stay in India: a new secondment, a new professional opportunity, an internship, a university exchange or simply a vacation, it's important to think about insurance. What do you need to know about India's healthcare system?
Before you leave for India, have you considered taking out travel insurance for the country? Mondassur allows you to cover all your risks (health, repatriation, baggage…) by choosing a personalized international health insurance policy adapted to all your needs. Travel in complete peace of mind with the assurance of comprehensive protection during your stay in India.
Student insurance India
Insurance to cover your studies in India.
From
27€
- Worldwide coverage
- Maximum age: 35
- Covers emergencies and accidents
- Covers hospitalization and routine medical care
- Up to €250,000 per year
- Standard dental and optical expenses up to €550
- Contraception coverage + vaccines
- Maternity care
- Covers pre-existing conditions
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate insurance India
International health insurance to cover your expatriation to India.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers hospitalization and routine medical care
- Up to €1,500,000 per year
- Maternity coverage up to €4,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical expenses up to €370
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Travel insurance India
Health insurance to cover your trip to India.
From
30€
- Worldwide coverage
- Maximum age: 85
- Covers emergencies and accidents
- Up to €500,000 per trip
- Covers loss, theft or destruction of luggage
- Repatriation assistance
- Travel assistance
- Civil liability
Any questions? Need advice?
Information about health insurance in India
Political system: Parliamentary democracy
Capital: New Delhi
Surface area: 3 287 590 km²
Population: 1.339 billion
Languages spoken: Hindi, English, Tamil and 21 other languages
Currency: Rupi
India's healthcare system for foreigners
India is a country of contrasting development. Explosive in some regions, it remains virtually non-existent in others. The same applies to India’s healthcare system, which, while it does exist, covers only a tiny fraction of the country’s huge population.
For the few insured, the security scheme covers 4 risks:
- Old age and disability
- Sickness and maternity
- unemployment
- work-related accidents and illnesses
The country’s social security system depends 100% on the Indian Ministry of Labor. The latter is not universal and offers limited health coverage.
In addition to the social security system, a more extensive public pension scheme was set up by the government several years ago: The National Pension System.
Every year, India works to improve its health insurance system and extend it to the entire population.
Do I need health insurance in India?
The answer is yes. India is a magnificent country with a multitude of flavors, but it’s one of those countries where you absolutely must take out insurance before traveling or expatriating. Some care facilities are highly qualified but require very high medical fees. As an expatriate in India dependent on the Indian social security system, you will not be cared for in the best health establishments, but in public hospitals. In order to benefit from the best care, we recommend that you take out health insurance. This usually includes repatriation and third-party liability insurance. Things that are not always included in the country’s social security system. India is one of those countries where health coverage is no joke.
Which health insurance for India?
- 100% reimbursement of actual hospital costs: Hospitalization must be reimbursed at 100% of actual costs incurred. This is a real necessity for an Indian insurance policy. The cost of hospitalization in India is high, so it’s essential that you have 100% coverage in the event of an accident.
- Third-party liability coverage: Being covered is one thing, but being covered for damage to others is quite another! Imagine you’re walking through the streets of Delhi and an incident occurs in which you’re at fault. Naturally, we’ll cover the cost of your care. But if you don’t have third-party liability cover in your Indian insurance, then the costs you have to pay to this third party will not be covered by your insurance, and you run the risk of going heavily into debt!
- Repatriation cover: There are many cases or medical situations where repatriation to the country of origin is required or strongly recommended. Where the Indian social security system will never cover repatriation, private health insurance may enable you to return home for treatment.
