Health Insurance in India

Overview of the health insurance system based in India

Despite India's universal medical care system, many Indians remain without adequate medical coverage. Despite attempts to use health insurance to improve accessibility, most Indians lack insurance. International students should expect to purchase private health insurance.

Although India features a universal medical care system, not enough coverage and infrastructure in the general public sector means that numerous Indians turn to the private sector for healthcare needs. The larger costs of the private sector, however, are out of reach of several Indians, generating demand for private health insurance in India. People who are able to purchase private insurance to help buy the costs of private health care.

Employers, particularly large private companies and the federal government, are major providers of health insurance in India. Overall health insurance in India is also available, but is too costly for some people. Consequently, over 90% of the population lacks any kind of health insurance. The government-operated General Insurance Company and its subsidiaries are the key providers of medical insurance in India.

Increasing Accessibility

Because of widespread not enough health insurance, several plans, both private and public, have already been developed to try to put affordable medical care within the reach of ordinary Indians. The “Jan Arogya Yojana” insurance plan is the primary plan designed to be accessible to low-income Indians. Costing $122 per year, it covers as much as 60 days of hospitalization. The plan, however, only reimburses patients after they've paid out of pocket, limiting its accessibility to the poor.

Another plan designed to improve the access that poor people need to medical insurance in India may be the Yashaswini insurance plan, provided by their state of Karnataka. This course of action has premiums as little as $1.50 and covers major surgeries. Because private doctors often require payment at the start, even minor medical procedures can push those without health insurance in India into poverty.

Private Health Insurance in India for International Students

Whilst the Indian government doesn't require health insurance to secure students or tourist visa, purchasing private health insurance in India is strongly recommended. Travelers in India face several potential health risks, from tropical diseases to dangerous roads, and doctors often expect cash payment for services rendered. International students should expect to purchase private health insurance in India. The US State Department recommends getting insurance that features medical evacuation coverage.

We offer three international insurance plans for both students or travelers who will be studying or visiting India. All offer comprehensive coverage at hospitals, doctors and providers throughout India and can be purchased online with instant confirmation. Each one of these plans includes the recommended emergency evacuation coverage.



The best international student insurance arrange for you is dictated by how long you will be studying in India, as well as your individual situation and choices. As you review your options for medical insurance in India, it's important to locate a plan that will cover you for the total duration of your time there.

To help students who will be studying in India, our core insurance plans are listed below. If you need any help or assistance in deciding what plan is right for you personally, please don't hesitate to contact us and will be happy to help you.



Find plans that best fit your requirements

Citizenship

Primary Destination

Start Date

yyyy-mm-dd

End Date

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Student

 India Student Insurance

Healthcare System in India

Health Insurance in India

International Student Visas for India



Best Insurance Plans for India

We've a range of insurance plans, except for students studying in India the very best insurance options are:



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Travel Medical Insurance Travel Medical

Student Health Insurance Student Health

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