Comprehensive India insurance is critical if you are doing business here – specifically for the regions of Jammu & Kashmir where conflict and terrorism present a high threat. Elsewhere, inconsistent healthcare and hazardous road and rail travel can all present challenges.

Official risk ratings

Accident and Evacuation
Kidnapping and Ransom
Political Risk

Possible problems in India

The world’s second largest democracy has seen huge economic growth in recent years, attracting numerous western businesses. Many have set-up offices in the emerging technology and business centres here or outsourced directly to Indian partner companies.

The high-risk areas are concentrated in Jammu and Kashmir. 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.

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. 

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.