Guide to Health Insurance in India

You might be relocating to India or just looking for a new international health insurance provider, either way it’s important to know what’s available both in terms of insurance provision, but also medical care and facilities.

India continues to suffer from high levels of malnutrition and disease especially in rural areas. The country still experiences serious problems regarding its sanitation and water supply. Particularly in the rustic regions, there is a lack of access to safe drinking water and proper sanitation facilities meaning disease can spread quickly and easily.

For expats relocating to India, international health insurance ensures your access to high quality healthcare and medical treatment, which may not be guaranteed otherwise.

Healthcare Facilities

India’s best hospitals are situated in the major cities such as Delhi, Bangalore and Chandigarh. Their university hospitals also boast high quality equipment and medical care and Chennai in South India, is thought to be the country’s healthcare capital as it is home to some of India's best medical centres. But even with these centres of excellence in healthcare delivery, these facilities are restricted and are insufficient in meeting the current healthcare demands with a population of 1,198,003,000.

India’s dental care costs a tenth of Western rates. Other than reduced prices, additional advantages for medical tourists are the availability of latest medical technologies and a growing compliance on international quality standards, plus the fact that foreigners are unlikely to face a language barrier in India with the majority of medical professionals being fluent in English.

Emergency services in India are not particularly efficient, with high intensity traffic and over-population rife, response times are often far too long. Helicopter services have been proposed and are to be implemented as the government tries to improve the health service infrastructure, they will be far more suitable for the country considering its population and geography.

Before you go

Due to poor health service infrastructure and grave issues with clean water and sanitation the appropriate vaccinations are absolutely essential before travelling to the country. Equally, international health insurance for you and your family should be a priority, as in the last decade India has seen endemic outbreaks of Chikungunya, Avian Influenza, Japanese Encephalitis and Dengue Fever.

If you are relocating to India the recommended vaccinations include Diphtheria, Hepatitis A, Tetanus, Yellow Fever and Malaria.

Next steps

Get a quote for one of our WorldCare plans for your cover in India. You can access treatment anywhere in the world. You can buy online, get covered instantly and manage your plan through your own personal secure online area, so it’s quick and convenient.

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