Travel Insurance for India: our comprehensive guide

Want an Asian trip? Discover the Taj Mahal and Goa with a specially designed travel insurance for India!

You planned your stay in India and imagined the course you're going to do? Have you decided on activities to practice? Even before you take your flight tickets and book your hotels, think about travel insurance. This offers a number of guarantees such as travel cancellation insurance. This could be very useful if, for a reason beyond your control, you had to cancel or postpone this trip to India. Here is all the useful information you need to know to subscribe travel insurance for India.

Comparison of travel insurance for India

We offer a comparison of certain travel insurances offered by companies such as ACS, Axa, Allianz Travel or the famous Chapka, well known to travellers. This gives you a first idea of what is proposed, you can then make a quote request to compare the offers and find the best coverage.

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What is the best travel insurance for India?

If you are looking for the best insurance for a trip to India, know that this does not exist. In fact, we can't talk about hierarchy in this matter as this coverage needs to be tailored to your needs.

In the eyes of some, the best travel insurance will be the one that offers the widest guarantees and the highest ceilings. For others, it will be the one that removes all franchise . For others, this is the cheapest insurance.

In this matter, everything is relative. Everyone has their own vision of insurance.

For our part, we consider that good travel insurance must protect you according to your needs. It is possible to make a parallel with other protections like car insurance. When you ensure your vehicle, the best choice is on appropriate safeguards . You do not assure the third party a brand new car whose value is very high. Conversely, you do not at all risk make a car that is 20 years old and has no value.

Your travel insurance must adapt to the country that you visit and how you visit it. The risk will not be the same if you spend a stay on the beaches of Goa to enjoy the sun, if you scuba diving on the Andaman Islands, if you visit Taj Mahal or if you are planning a trek in Mollem National Park.

What is the fare for travel insurance for India?

Again it is not possible to bring a universal response. In terms of insurance, the price can vary greatly according to different criteria.

The price of travel insurance will first depend on your insurance company. Each freely fixing its prices and conditions, prices can vary greatly.

The guarantees, of course, will impact the price of your coverage. It is obvious that if you only subscribe to the guarantee that allows you to take care of your medical expenses and civil liability abroad, your insurance will be cheaper than if you opt for full multi-risk insurance.

Another point taken into account by insurers: your age. The risk of illness, injury, complication after a fall is more important in a senior than in a student. To calculate the cost of your contribution, the insurance company must assess the risk and compensation it may award to you in the event of a claim.

The duration of the stay will be taken into account. For world tour insurance, the price will be higher than for a short stay. The longer your trip, the more important the risk of being treated.

Finally, the price of your travel insurance can be determined by the country you visit and the activities you plan to practice.

Why take travel insurance for India?

To subscribe to travel insurance, it is to be certain not to have a bad financial surprise. Accident, disease, flight, repatriation, this protection provides you with care in various situations to avoid heavy expenses that would spoil your trip and impact your budget in the long term.

What are the guarantees of multi-risk travel insurance?

Travel insurance guarantees can vary greatly from insurer to insurer. Make a comparison to discover the offers of each.

On the other hand, all guarantees will not be necessary, it depends on the nature and duration of your trip to India. However, discover all the guarantees you can subscribe to be covered during your stay:

• Support medical expenses ;
• Travel cancellation insurance or modification ;
• Refund in case of hospitalization ;
• Civil liability insurance abroad ;
• Medical repatriation insurance or to reach your loved ones after death in France ;
• Research and rescue costs;
• Baggage insurance for a flight or loss ;
• Sports insurance.

We mentioned that some guarantees are not useful to all. Sports insurance is naturally aimed at travellers who will practice sport abroad. Extreme sports insurance allows to indulge in its passion for more risky sports.

The search and rescue cost guarantee will be more useful if you are hiking in the Ladakh region than if you visit New Delhi .

We appeal to your vigilance that these guarantees only cover you to a certain extent. Before a travel insurance subscription, see the general terms and conditions. This allows you to learn about franchises, exclusions, compensation ceilings and possible deficiencies.

Is travel insurance mandatory for India?

No, you can perfectly travel to India without being insured. Travel insurance is now imposed in very few countries . Nevertheless, it does not exempt you from subscribing a protective contract for your stay.

It is not because insurance is not mandatory that it is not useful, far from there. If you get sick or hurt, you will understand that this insurance was necessary to provide you with human and financial support.

The importance of repatriation insurance for India

If you go to India, it is quite easy to catch indigestion, if only drinking water. On the other hand, this vast country finds itself walking in national parks, escalating the mountains, the risk of injury is important. In case of serious affection, it is possible that you are forced to be repatriated to France. However, health repatriation costs extremely expensive, especially since India is not a neighbouring country of France.

But that’s not all. Repatriation insurance may apply if you lose a loved one in France and you must urgently join your family. With this warranty, no need to pay your flight ticket, an early return to this framework is supported.

Am I reimbursed for my care in India by the Health Insurance?

Yes, you can get a refund of your health expenses. Unlike a trip to the European Union, you are not covered by the ECAM .

However, in case of urgent and unforeseen medical care, you can apply for reimbursement from French Social Security. Be careful, this refund will not necessarily meet your expectations. Study the cost of care in India upstream compared to social security reimbursements. This could encourage you to subscribe to travel insurance.

Does my Visa or Mastercard card cover me in India?

Yes, you can perfectly be covered by your Credit card . However, it must include travel insurance, such as Visa Mastercard Gold or Visa First.

However, we invite you to compare the proposed guarantees, ceilings and deductibles with travel insurance to find out if your card’s insurance is sufficient.

What insurance take in case of car rental in India?

Going to India is choosing a very large country. To appreciate all aspects, it is necessary to rent a car. This will be automatically ensured by your leasing, but to what extent? Will your guarantees be sufficient? Will franchises not be too high in the event of a loss? Once again, we invite you to the utmost vigilance to avoid any bad financial surprise during your trip. Take the time to compare the guarantees of your hirer and those of an independent car rental insurance.

Administrative, health and safety for India: our advice

Here are some information to consult before leaving India.

What visa for India?

To enter India, you can make one visa application or e-visa .

Your tourist visa may be valid 90 days , 180 days or one year . However, each stay may not exceed 90 days . The Indian visa cannot be extended. Thus, if you plan to extend your stay, we invite you to go to a border country and to apply for a new visa to return.

Health & Hygiene

Hygiene is not the strong point of India. Here we recommend that you do not drink tap water to avoid being sick. On the other hand, in this tropical country, germs proliferate at high speed. Rats walk freely and animal bodies are left on the edges of the roads.

Malaria is still present outside the centres of major cities. The high presence of mosquitoes can cause diseases such as dengue, chikungunya, Japanese encephalitis or visceral leishmaniasis. Do not hesitate to protect yourself to the maximum of the bites.

vaccination against hepatitis A is recommended, especially if you are over 70 years old. It is also recommended to vaccinate against typhoid fever.

Security on site

India is a poor country, everyone manages in their way to live, which causes insecurity and many crimes. Don't give your papers to anyone, false controllers circulate in trains. Don’t attract lusts with valuable jewelry, don’t show your liquid, in short, adopt the right gestures not to attract thieves. Beyond the false controllers, you can cross the road of the false porters. Don't confide your suitcases to anyone.

What to do in the event of an accident in India?

Are you a victim of an accident, an assault, etc. during your trip to India? If you do not have a travel insurance or if it cannot accompany you, dial 112 which brings together all the emergencies.

What health insurance for expatriates in India?

You fell under the charm of India and decided to live there? This time it is not a travel insurance that you must subscribe, but an expatriate insurance. Insurance companies such as Chapka offer a complete offer for French parties to live in India.

Taking care of medical expenses, hospitalization, repatriation insurance, civil liability abroad, you receive full coverage.

Once all these tips are applied, you can finally leave India. And don’t forget, it’s not because travel insurance is not mandatory in India, that you have to deprive yourself of it!