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assurance inde pour expatrié

General information on the health system in India

India is a country with very contrasting development. Explosive in some areas, it remains virtually non-existent in others. The same applies to the Indian health system, which, if it does exist, covers only a tiny fraction of the immense population of the country.

For the few insured, the safety regime covers 4 risks:

Old age and disability
Sickness and maternity
Accidents and occupational diseases
The country's social security system is 100% dependent on the Indian Ministry of Labor. It 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.

India works every year to improve its health insurance system and extend it to the population.

Should you take out health insurance for India ?

The answer is yes. India is a beautiful country with many flavors but is among the countries in which it is absolutely necessary to provide insurance before traveling or work there. Some health care facilities are highly skilled but charge very high medical costs. As an expatriate in India dependent on the Indian social security system, you will not be taken care of in the best healthcare institutions but in public hospitals. In order to benefit from the best care, we recommend that you take out health insurance. It will also generally take care of repatriation and personal liability. Things that are not always included in the country's social security system. India is one of the countries where you do not joke about health coverage.

Security Risks in India

While India is not the safest country in the World, it is nevertheless a country where travel can be done without great dangers. Every year, millions of tourists travel around the country without any concern. Some basic precautions are nevertheless to be taken especially if you are a woman. Sexual assaults are reported annually in India. We strongly recommend that women do not travel alone and cover their bodies while avoiding getting attention. With regard to transport, India is the world champion in mortality on the road. It is therefore advisable to be careful when you drive or take a Taxi. Finally, terrorism is also present in India. It is therefore important to remain cautious and avoid crowds.

Health risks in India

The leprosy of the mountains

If you are traveling in India, it is advisable to be very careful. Transmitted by insects from tropical regions, this disease requires a long and painful treatment. Think of repellents, long clothing, and contact a doctor in the slightest doubt.


AIDS is a disease present in India. It is therefore very important to protect oneself, to be careful and to avoid any risky situation.

The dengue

Disease transmitted by infected mosquitoes, dengue fever is like a big flu. No preventive medicine exists at the moment, so it is recommended to avoid the mosquitoes and to take care of Paracetamol in first necessity. Aspirin is to be banished completely so as not to aggravate the situation.


Malaria cases are on the rise in India. Without the need for preventive treatment, it is strongly advised to consult a doctor quickly in case of high fevers.

GoldExpat insurance for your expatriation in India

In order to assist you in your expatriation in India, Mondassur offers you GoldExpat, the ideal India insurance for expatriates. GoldExpat covers :

Hospitalization at 100% of actual costs

Hospitalization must be reimbursed at 100% of actual costs incurred, it is a real necessity for a good insurance. The costs of hospitalization in India are among the highest in the world, so you must be 100% covered in the event of an accident.

Personal liability

Being covered is one thing, but being covered for damage to others is another! Imagine being responsible for breaking the window of a shop in Mumbaï. You will benefit from the coverage of the Goldexpat Insurance plan.

Complete assistance of repatriation

There are many cases or medical situations where repatriation to the country of origin is mandatory or strongly recommended. Where local insurance will never allow repatriation, international health insurance will allow you to return to your country for treatment.

In all these situations and so many others, the GoldExpat India insurance covers you and guarantees you immediate coverage for a very reasonable price.

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Contact Details

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+33 1 80 87 57 80
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Skype : Mondassur

19, rue des Longs Prés
92100 Boulogne - FRANCE

Our opening hours are from 9:00 to 18:00 Central Europe Time from Monday to Friday to contact our consultants. Our medical platforms are reachable 24/24 and 365 days a year..

Do you have questions on your insurance plan, you would like to purchase a travel insurance or receive a quote for an expat insurance ? Please send us an email ; we will answer you within 24h00 business days.