Expatriate health insurance in India | Mondassur
Are you settled in India or thinking of moving there? Think about expatriate insurance in India.
India is one of the world’s oldest civilizations and one of the dream destinations for many expatriates. This country is home to many communities who are seduced by India’s cultural richness. That’s why we’ve put together some advice to help you prepare for your expatriation to India. This will give you a good idea of your future daily life on site. We strongly recommend that you take out international health insurance for expatriates before you leave, so that you can leave with peace of mind.
Our insurance offers for expatriates in India
Expatriate insurance India Gold Nomad Expat
Our policy with good levels of cover, suitable for your expatriation to India.
From
74€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate Insurance India Gold Expat Access
Economical international health insurance tailored to your expatriation plans.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Free choice of practitioners and hospitals abroad
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance India Gold Expat Safe
Health insurance with a good cover/price ratio. It offers effective cover against accident and illness.
From
107€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of common medicine
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance India Gold Expat Premium
Our most comprehensive expatriate health insurance, tailored to your expatriation in India.
From
138€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need advice?
Some figures on health insurance in India
| Number of public hospitals | 25 778 |
| Number of private hospitals | 43 487 |
| Number of doctors per 1,000 inhabitants | 0,73 |
First of all, the Indian healthcare system is complex and constantly evolving. It includes both public and private insurance options. Understanding how these systems work is therefore crucial for any expatriate wishing to live in India. We recommend purchasing expatriate health insurance in India.
How India's healthcare system works :
Social security in India is based on two main pillars: public health insurance and private health insurance. The Indian government manages the bulk of public health insurance. One of the aims of this management is to provide basic coverage to all citizens at low cost. However, the quality of care varies considerably from region to region. What’s more, these public hospitals are often overcrowded and under-equipped. As a result, we often see longer waiting times and poorer quality care.
Public health insurance in India is financed by both public funds and citizens’ taxes. Coverage mainly includes primary healthcare, as well as some secondary services. However, specialized treatments and tertiary care may not be covered. Expatriates can access these services, but often face complex administrative procedures. What’s more, service levels may be lower than those expected in other countries.
How does social security work in India?
Public health insurance
Public health insurance in India is mainly run by the government, and therefore aims to provide basic health cover to all citizens. Expatriates can access these services, but often face long waiting times. What’s more, care levels are below international standards. The cost of this insurance is relatively low, making it accessible to a large proportion of the population. However, waiting times, poor quality surgical equipment and limited resources show that the country is lagging behind in the health field.
To benefit from public health insurance, Indian residents must register with the local authorities and contribute to the system. This is achieved through employee contributions and other forms of taxation. Expatriates may also be eligible, but they often have to navigate complex administrative procedures. They must also ensure that their employers contribute to the system. Services covered by public insurance include basic consultations, emergency care and certain essential medicines. However, specialized care and complex surgical procedures, for example, may require additional expenses or supplementary insurance.
Private health insurance
Private health insurance in India is more expensive overall, but offers better quality care. Mondassur offers comprehensive coverage, with specialized care and services in modern, well-equipped healthcare facilities. Expatriates can benefit from shorter waiting times and better quality of service. However, the price of these insurances is considerably higher. However, expatriates and Indian citizens will prefer to opt for this type of cover. It’s important to guarantee fast, efficient access to medical care, but the price can be a deterrent.
Mondassur expatriate insurance in India is particularly advantageous when it comes to accessing top-quality healthcare. They also want to avoid the long waiting times associated with public hospitals. Private insurance policies cover a wider range of services. These include specialized care, complex surgical procedures and state-of-the-art treatments in well-equipped facilities. Private hospitals in India are often comparable to international standards in terms of infrastructure and services. As a result, it attracts a large number of medical tourists.
Our policies can include options for regular consultations, emergency care, hospitalization, outpatient care, etc. The cost of expatriate insurance is justified because it offers peace of mind thanks to its extensive coverage, rapid access to medical care and reimbursement of medical expenses.
Healthcare facilities in India
As mentioned above, healthcare facilities in India fall into two main categories: public and private. Public hospitals, though numerous, are often overloaded and underfunded. The result is longer waiting times and variable quality of care. For example, major cities such as Delhi, Mumbai and Bangalore are well served by high-quality healthcare centers. While rural areas may have limited access to adequate health services.
Private hospitals, on the other hand, generally offer better quality services with modern equipment, at higher costs. The average cost of a night in a private hospital can vary from INR 5,000 to INR 10,000 (€55 to €110).
The number of health centers relative to the population remains insufficient, especially in rural areas. This overburdens public health establishments and creates inequalities in access to care. Hence the importance of taking out a expatriate insurance in India to be covered with Mondassur!
Emergency numbers in India
During your stay in India, you should be familiar with the main emergency numbers. Here are the numbers to remember in particular:
- Police : 100
- Firefighters : 101
- Ambulance : 102
These numbers are crucial in ensuring rapid assistance. Make sure you have saved them in your phone or know what they are.
Healthcare costs in India
The cost of healthcare services in India varies between public and private establishments. Here is an overview of typical costs:
- Consultation with a general practitioner : Free or low-cost in public hospitals and between 500 and 1,500 INR (between €6 and €18) in private establishments.
- Drug costs : The cost of medication varies according to brand and type, but a prescription can help you pay less.
- Hospitalization : Free or low-cost in public hospitals and between INR 5,000 and INR 20,000 (€56 and €225) per day in private establishments.
- Birth : Free or low-cost delivery in public hospitals and between 20,000 and 100,000 INR (€225 to €1,120) in private facilities.
- Dental and optical care : Relatively affordable by Western standards
What’s more, it’s crucial to take out the right expatriation insurance in India, tailored to your specific needs. You can avoid unexpected medical expenses. Mondassur can cover not only consultations and hospitalizations, but also specialized treatments and emergency medical evacuations if necessary. To get the best care and minimize costs, choose well-established, reputable hospitals and clinics. You can do all this by taking out private health insurance, so that you don’t have to deal with excessive healthcare costs. Quality healthcare services are available in India. Being well prepared is important, as is being well informed so as to ensure a smooth departure.
Repatriation insurance for India
Repatriation insurance is highly recommended for expatriates in India. Mondassur covers the cost of returning to your home country in the event of serious illness or accident. Repatriation insurance offers peace of mind by guaranteeing that you will receive the care you need, even in critical situations. Choosing an insurance policy that offers extensive coverage is very important! Mondassur includes medical evacuation and support in critical situations. What’s more, you can contact the repatriation service at any time thanks to our 24/7 assistance service.
India: take stock of your vaccinations
Before traveling to India, we recommend you update your vaccinations. There are no compulsory vaccinations. However, there are many recommended vaccines, including those against hepatitis A and B, typhoid, rabies and tetanus. For certain regions, particularly rural ones, vaccines against meningitis and Japanese encephalitis may therefore be necessary.
Yellow fever vaccination is compulsory only if you are arriving from a high-risk area. It is strongly recommended to consult a health professional before departure to ensure that all vaccinations are up to date. It’s also a good idea to get a seasonal flu shot before you leave home. You should also take precautions against mosquitoes to prevent diseases such as dengue fever and malaria.
Infections and diseases in India
India is prone to various infections and diseases. Some are more common in particular regions. Here are a few examples of what you can find in India:
- Malaria is endemic in certain rural and urban areas, particularly during the monsoon season.
- The air pollution, especially in big cities, can cause respiratory problems.
- The human immunodeficiency virus (HIV) and acquired immunodeficiency syndrome (AIDS) are also present in India.
- Other common illnesses include dengue fever, chikungunya and tuberculosis. Preventive measures, such as vaccinations and protection against mosquitoes, are essential to minimize health risks.
- The water and food quality can vary considerably, leading to diarrheal diseases and other gastrointestinal infections.
Health awareness and access to appropriate medical care are crucial for expatriates living in India. Travelling in India can present a number of health challenges. However, with the right preparation and preventive measures, you can minimize the risks. At Mondassur, we understand the specific needs of expatriates and travellers. Our health insurance plans offer comprehensive coverage for medical care, hospitalization and emergencies. So you can plan your expat trip to India with peace of mind. Don’t hesitate to contact us or request a quote online for optimum protection against health risks in India.
Choose Mondassur for your expatriate health insurance India!
Why take out expatriate insurance?
Expatriate insurance is essential to guarantee your safety during your stay in India. India’s diverse healthcare system can present challenges for expatriates, particularly in terms of quality of care and cost. Offering expatriate health insurance in India will protect you against unforeseen medical expenses. Mondassur offers coverage for medical consultations, hospitalization and emergency care. What’s more, you’ll benefit from worldwide coverage, access to quality healthcare facilities, and 24/7 support. All this ensures that you receive the best care wherever you are in India. What’s more, the right insurance means you can concentrate on your new life without having to worry about unforeseen medical events.
Quick and easy subscription
At Mondassur, we simplify the application process so you can get your expatriate health insurance in India quickly. Our online platform allows you to compare the different options for health cover abroad and choose the one that best suits your needs. Subscription takes just a few clicks and less than 5 minutes.
What’s more, our team of expert insurance brokers is on hand to answer all your questions and guide you through the process. With Mondassur, you can access expatriate health insurance in India quickly and hassle-free. You’ll be able to concentrate on what’s really important: your new life. The ease of underwriting and the responsiveness of our customer service are major advantages that make Mondassur the preferred choice of expatriates.
A wide choice of warranties
Mondassur offers a comprehensive range of cover to meet all your healthcare needs in India. So if you need coverage for medical consultations, dental care, hospitalization or emergency medical evacuation, we have the right solution for you.
Our insurance plans are flexible and customizable. This means you can tailor your coverage to your specific needs and budget. When you choose Mondassur, you benefit from optimum protection with extensive cover, rapid reimbursements and access to a worldwide network of quality healthcare providers. We also offer options to cover maternity care, known medical treatments and repatriation.
A wide choice of warranties
In addition to our expatriate health insurance, Mondassur also offers other insurance solutions tailored to meet your specific needs in India:
- India travel insurance, to enjoy your vacation without worrying about the unexpected.
- Student insurance Indiaso you can study with peace of mind.
- Health insurance India to see our customized solutions for all your healthcare needs in India
Explore our different offers and find the insurance that suits you best to make the most of your stay in India. Mondassur is your trusted partner for comprehensive and reliable healthcare cover in India.
