Comprehensive India insurance is critical if you are doing business or planning an extended residency in this vast and varied subcontinent. Inconsistent healthcare, hazardous road and rail travel, civil unrest and terrorism can all present challenges, and you should make sure you have the right India insurance before you leave.

India insurance – quick facts

  • There is a high threat from terrorism throughout India
  • International health insurance in India is essential, along with cover for emergency evacuation
  • Reported cases of rape and sexual assault are on the increase
  • Road travel can present hazards due to poor maintenance and safety standards

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  • Specialist India insurance – can include protection for personnel, property, vehicles and equipment, and offshore crews and cargoes
  • We can cover all of your business liabilities in India and help you to understand and meet contractual and local insurance obligations

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  • Due to limited medical facilities and the potential risks to personal security, specialist India insurance is advised for visitors and expats
  • We can cover you for life, personal accident, personal disability, medical emergencies, evacuation and other specialist insurance needs

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Possible problems in India

Vast and colourful, rich and varied, India can overwhelm the visitor with its contrasts and contradictions. The world’s second largest democracy has seen huge economic growth in recent years, yet, despite its newfound prosperity, much of its people still live in poverty.

Tensions with its neighbours and between the country’s many cultures, castes and religions can erupt into violence and even terrorist attack. Before arriving it’s important to ensure that you have adequate India insurance for the region and the type of business you are engaged in.

The risk of terrorist attack across India is high. The high-risk areas are concentrated in Jammu, Kashmir, Assam and the rural areas of Bihar, Jharkand, Chhattisgarh, West Bengal and Orissa. Having said that, places known to be frequented by western nationals are a specific target for some terrorist groups, as reflected in the Mumbai attacks in November 2008 that killed over 170, including 26 foreign nationals. 294 were injured.

You should keep informed about the local security situation and be on your guard in public places such as tourist and transport hubs and places of worship. Be aware that kidnap for ransom may be used by some terrorist groups and criminals and it may be advised that relevant cover is included in your India insurance plan.

The standard of medical facilities in India are as varied and diverse as everything else. In remote areas evacuation by air ambulance may be needed in the event of a medical emergency. This can be hugely costly and provision for it must be included with your International health insurance in India.

Political demonstrations are a common occurrence and can often lead to violent clashes and you are advised not to get caught up in them. Reported cases of rape and sexual assault are increasing and women are advised to use caution when travelling. Petty theft, such as handbag snatching and pickpocketing, can be a problem in urban and tourist centres. Be wary of all offers of food or drink from strangers and even some street vendors, as travellers have been drugged in this way and consequently robbed or assaulted.

Road travel is always chaotic and frequently dangerous, even more so during the monsoon when there is a high risk of flooding and landslides in some areas.



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Latest Foreign & Commonwealth Office advice

The FCO advise against all travel to certain areas near the Pakistani border and to Kashmir and Jammu. There is a high threat of terrorism throughout India. Take out comprehensive travel and medical insurance before you travel.

Latest FCO Advice