Expat Insurance Services in India

India does not have any public or socialised insurance plan. Some public hospitals in India are among the worst in the world, but private hospitals can offer a vastly preferable quality of health care. The idea of any health insurance is still something of a foreign concept for 90% of Indians, and three fourths of all medical payments in India are made directly by the patient. However, medical expenses tend to remain fairly low.

 

Travel health insurance is advisable to get beforehand for tourists who are planning to visit India for a short time. Travel policies will generally cover emergency treatment as well as return transportation costs, and are typically valid for one month. Foreigners working in India will have health insurance coverage provided and arranged by their employer at no cost. Dependent family members coming to India can also be added to the policy.

 

There are many new Indian companies offering private health insurance, but extent of coverage can be confusing. Most policies cover additional family members as well. The premiums for these health insurance policies are also income tax deductible in India. Dental treatment is also quite inexpensive in India, and it can also be insured.