- The best travel insurance plans for India
- Is it currently safe to travel to India?
- Is travel insurance required by law to enter India?
- Why take out travel insurance for India
- What Travel Insurance for India Should Cover
- The cost of travel insurance for India
- How to pay less for your travel insurance to India
- Can I rely on my current insurance to cover me in India?
- FAQ
- On the same topic
Travel insurance for India: key takeaways
1. Definition: Travel insurance for India covers medical emergencies, trip cancellations, and lost personal belongings.
2. Key protection: Insurance is not mandatory but is vital for covering unexpected medical costs and travel disruptions.
3. Healthcare cost: Private hospital stays in India can cost foreign visitors over AUD $800 per night.
4. Price: A one-week travel insurance policy for India typically costs between AUD $40 and AUD $80.
5. Good to know: The Australian government advises a high degree of caution for travel throughout most of India.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 41 travel insurance policies available in Australia, our experts share everything you need to know to choose the best travel insurance for your trip to India.
The best travel insurance plans for India
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | AUD 1.6M | Our recommendation for safe travel to India. - high medical limit - repatriation included - flexible for diverse travel needs |
| Cap Assistance 24/24 | AUD 1.6M | A reliable plan for both tourism and business. - strong 24/7 support - cancellation option - user-friendly conditions |
| Tourist Card | AUD 800k | Suited for vacations and short trips to India. - solid base coverage - emergency medical assistance - good price-quality ratio |
| Travel Pass Monde | AUD 1.1M | A comprehensive contract for frequent travellers. - hospital costs included - covers repatriation - wide international acceptance |
| Globe Partner | AUD 480k | A dependable solution for longer stays in India. - covers medical emergencies - essential civil liability - simple claims process |
| Globe Traveller | AUD 800k | An economical choice for basic needs. - essential medical care - rapid reimbursement - lower limit suitable for low-risk travel plans |
- high medical limit
- repatriation included
- flexible for diverse travel needs
- strong 24/7 support
- cancellation option
- user-friendly conditions
- solid base coverage
- emergency medical assistance
- good price-quality ratio
- hospital costs included
- covers repatriation
- wide international acceptance
- covers medical emergencies
- essential civil liability
- simple claims process
- essential medical care
- rapid reimbursement
- lower limit suitable for low-risk travel plans
Is it currently safe to travel to India?
As of June 2025, the Australian Department of Foreign Affairs and Trade advises travellers to exercise a high degree of caution in India, due to the security environment and ongoing risks in certain regions. Certain areas, such as Jammu and Kashmir, remain under a do not travel advisory because of recent hostilities and security operations.
Here are their four main recommendations.
- Security risks: terrorist threats and violent incidents, especially in Jammu and Kashmir and along the Pakistan border, have led to flight disruptions and localised curfews. Avoid large gatherings, and monitor local updates in Delhi, Mumbai, and religious sites.
- Health risks: dengue, malaria, bottled water contamination, and high air pollution are ongoing concerns. Access to quality hospitals is limited outside major cities, as seen in rural Rajasthan or Goa.
- Legal matters: satellite phones require prior authorisation, and carrying one without permission can result in prison. Strict penalties exist for importing prescription medications without supporting documents.
- Cultural differences: public displays of affection are frowned upon, particularly in rural or conservative states like Uttar Pradesh. Modest dress is expected near temples and mosques.
Although not required, travel insurance is strongly recommended by the Australian Department of Foreign Affairs and Trade, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in India.
Is travel insurance required by law to enter India?
No, travel insurance is not legally mandatory for Australian travellers entering India for tourism or business purposes.
However, comprehensive travel insurance is strongly recommended due to the high costs of private medical care, risk of accidents, and potential for emergency evacuation. The Australian Department of Foreign Affairs and Trade also advises coverage for medical expenses, hospitalisation, and repatriation.
According to our data, 80% of travellers purchase travel insurance before going to India, mainly because of health risks and the variable quality of medical infrastructure.
Why take out travel insurance for India
It is an essential financial and medical protection for anyone going to India.
In India, public hospitals are often overcrowded and lack modern facilities, especially outside major cities. Foreigners usually rely on private hospitals such as Apollo Hospitals in New Delhi or Fortis Hospital in Mumbai, where treatments can become expensive.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Australia in the event of a serious incident.
Here are some examples of healthcare costs in India.
| Example of medical treatment | Cost at Apollo Hospitals, New Delhi | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | ₹90,000 (AU$1,660) | up to AU$1,600,000 |
| I broke my tibia (X-ray, cast, and crutch rental) | ₹70,000 (AU$1,290) | up to AU$1,600,000 |
| I need to be repatriated | ₹850,000 (AU$15,670) | up to AU$1,600,000 |
| I have appendicitis (consultation and surgery) | ₹230,000 (AU$4,240) | up to AU$1,600,000 |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What Travel Insurance for India Should Cover
Here is a summary table of the main coverages you should look for in a travel insurance policy for India.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses and hospitalisation | Covers hospital stays, doctors' fees and medicine for illness or injury. We recommend a minimum reimbursement limit of AU$1,000,000. |
| 🚑 Medical evacuation and repatriation | Pays for medical transport to Australia or a suitable facility. Select cover of at least AU$500,000. |
| 💼 Luggage and personal belongings | Protects against loss, theft, or damage to luggage and valuables. Opt for cover up to AU$5,000 per person. |
| ✈️ Trip cancellation or interruption | Compensates for non-refundable costs if you cancel or cut short your trip. Recommended reimbursement up to AU$10,000. |
| 🏄♂️ Adventure and sports activities | Covers injuries from sports like trekking or rafting (common in India). Choose limits that match activity risks, ideally at least AU$100,000. |
| 👨⚖️ Personal liability | Pays if you injure someone or damage property by accident. Look for cover of at least AU$2,000,000. |
| 💊 Accidental death and disability | Provides compensation for severe injury or death during your trip. Essential minimum cover is AU$50,000. |
| 📞 24/7 assistance and support | Access to emergency help at any time. No monetary limit, but essential service for coordination and local advice. |
We recommend a minimum reimbursement limit of AU$1,000,000.
Select cover of at least AU$500,000.
Opt for cover up to AU$5,000 per person.
Recommended reimbursement up to AU$10,000.
Choose limits that match activity risks, ideally at least AU$100,000.
Look for cover of at least AU$2,000,000.
Essential minimum cover is AU$50,000.
No monetary limit, but essential service for coordination and local advice.
Travel insurance from local providers or bank cards often offers limited coverage, with low limits and many exclusions. It is safer to choose a trusted insurer with full coverage. Compare top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for India
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | AU$40 |
| 2 weeks | 45 years old | AU$70 |
| 1 month | 35 years old | AU$100 |
| 1 month | 70 years old | AU$200 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance for India will vary. The price is influenced by your age, the duration of your stay, your specific destination within the country, and the level of cover you choose, including cancellation options. Considering the official travel warnings for certain regions, it's vital to keep these factors in mind to secure appropriate coverage.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to India
Here are some suggestions to optimize the cost of your travel insurance to India while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🗓️ Trip duration | The length of your stay in India directly impacts premium cost. | Choose coverage for the exact number of days needed to avoid unnecessary cost. |
| 🎒 Level of coverage | Medical care in India can be expensive, especially in private hospitals. | Select a plan with essential medical, baggage, and liability cover. Avoid extras you don't need. |
| 👫 Number of travellers | Family or group plans can offer discounts compared to individual policies. | Combine travellers under a single contract to benefit from group rates where possible. |
| 🌏 Geographical coverage | Some insurers sell worldwide plans that may increase costs for India only. | Choose a policy covering only India and required transit countries to save money. |
| 👴 Traveller’s age | Older travellers often face higher premiums. | Compare offers as price increases vary. Heymondo does not increase its prices for people over 62. |
| 🏄♂️ Activities planned | Adventure sports and trekking in India raise premiums if included. | Only add activity coverage if required for your trip, otherwise skip this to reduce cost. |
| 💳 Payment method & annual excess | Some payment methods or annual excess options provide initial discounts. | Consider a higher excess to lower your premium if you can afford potential upfront costs. |
Can I rely on my current insurance to cover me in India?
It is entirely reasonable to consider whether existing coverage from your public health system, private health insurance, or a credit card might protect you during a trip to India. Unfortunately, the coverage provided is often limited or insufficient. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in India? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare) | Never | No medical costs or hospitalisation reimbursed outside Australia | Travel insurance reimburses up to AU$1 million+ for medical care, hospital bills, and repatriation |
| Private health insurance (Bupa, Medibank, nib) | Limited coverage | Occasionally limited overseas cover, up to AU$10,000–AU$50,000, excludes repatriation | Travel insurance covers emergencies up to AU$1 million+, evacuation, and local hospital support |
| Classic credit card (Visa Classic, Mastercard Standard, ANZ First) | Limited coverage | Medical emergencies up to AU$20,000, no coverage for trip cancellation or comprehensive baggage loss | Travel insurance covers up to AU$1 million+ plus missed flights, lost luggage, and trip cancellation |
| Premium credit card (Visa Platinum, Mastercard Gold, Westpac Altitude Black) | Limited coverage | Medical up to AU$100,000, some luggage/trip delay cover, limited incident support | Travel insurance offers AU$1 million+ cover and round-the-clock assistance, plus full baggage cover |
Example
While in Goa, Chloe contracted severe dengue fever, requiring intensive care. The private hospital bill hit AU$30,000. Her CommBank Platinum card's included travel insurance only covered AU$2,000 for emergencies, and her Australian health insurance offered no overseas cover, leaving her with a staggering AU$28,000 debt.
Expert advice
Many bank card and health insurance policies won't cover trip interruptions, like a relative's illness. Always check the fine print of your existing cover to avoid nasty surprises abroad. For peace of mind, it's always safer to take out dedicated travel insurance tailored to your specific trip.
FAQ
Do I need a visa to travel to India?
Yes, Australian travellers must obtain a visa before arriving in India. The easiest option is the e-visa, which you can apply for online at the official government website. Make sure you apply well in advance and ensure your passport is valid for at least six months from your arrival date.
How do I purchase travel insurance for India?
Start by comparing policies using the HelloSafe travel insurance comparison tool to find suitable options. Carefully check the cover and exclusions, paying special attention to health cover, personal liability, and activities relevant to India’s environment and risks. Buy your chosen policy online and receive your certificate by email instantly.
What are the recommended medical coverage limits for travel insurance in India?
Given the potential for high medical costs and the need for medical evacuation from remote areas, aim for at least AU$250,000 in medical coverage. This should cover hospitalisation, outpatient care, emergency evacuation, and repatriation. Always check if pre-existing conditions are covered, as exclusions are common.
Can I purchase travel insurance for India if I have a pre-existing medical condition?
Yes, many insurers offer coverage for pre-existing medical conditions, but you must declare your condition during application. Coverage varies by insurer and may require a higher premium or a special assessment. Read policy terms carefully to avoid rejected claims related to undeclared pre-existing conditions.
Are there any activities in India that require extra coverage in travel insurance?
Yes, if you plan to trek in the Himalayas, ride motorcycles, join adventure tours, or participate in high-risk activities, you may need specific coverage. Standard policies often exclude such activities. Always check whether your intended activities are included, and add extra coverage for adventure sports if required.
Is travel insurance necessary if I am visiting only major cities in India?
While leading Indian cities have better medical facilities, travel insurance is still essential for Australians. Even in urban areas, quality care can be costly for foreigners, and travel disruptions or lost belongings can happen anywhere. Insurance provides peace of mind and financial protection throughout your entire trip.
Do I need a visa to travel to India?
Yes, Australian travellers must obtain a visa before arriving in India. The easiest option is the e-visa, which you can apply for online at the official government website. Make sure you apply well in advance and ensure your passport is valid for at least six months from your arrival date.
How do I purchase travel insurance for India?
Start by comparing policies using the HelloSafe travel insurance comparison tool to find suitable options. Carefully check the cover and exclusions, paying special attention to health cover, personal liability, and activities relevant to India’s environment and risks. Buy your chosen policy online and receive your certificate by email instantly.
What are the recommended medical coverage limits for travel insurance in India?
Given the potential for high medical costs and the need for medical evacuation from remote areas, aim for at least AU$250,000 in medical coverage. This should cover hospitalisation, outpatient care, emergency evacuation, and repatriation. Always check if pre-existing conditions are covered, as exclusions are common.
Can I purchase travel insurance for India if I have a pre-existing medical condition?
Yes, many insurers offer coverage for pre-existing medical conditions, but you must declare your condition during application. Coverage varies by insurer and may require a higher premium or a special assessment. Read policy terms carefully to avoid rejected claims related to undeclared pre-existing conditions.
Are there any activities in India that require extra coverage in travel insurance?
Yes, if you plan to trek in the Himalayas, ride motorcycles, join adventure tours, or participate in high-risk activities, you may need specific coverage. Standard policies often exclude such activities. Always check whether your intended activities are included, and add extra coverage for adventure sports if required.
Is travel insurance necessary if I am visiting only major cities in India?
While leading Indian cities have better medical facilities, travel insurance is still essential for Australians. Even in urban areas, quality care can be costly for foreigners, and travel disruptions or lost belongings can happen anywhere. Insurance provides peace of mind and financial protection throughout your entire trip.
On the same topic
