300x85.png)
Hong Kong
Singapore
China
Dubai
Thailand
United Kingdom
Mexico
Allianz Care, William Russell, Cigna Global, Bupa Global, AXA Global Healthcare, IMG, VUMI, GeoBlue, and DavidShield are the top international health insurance companies offering coverage for expats in India. These providers are known for their global networks, customizable plans, and expat-focused benefits.
Discover the world’s top
health insurers.
Compare quotes with
a click of the button.
This article highlights the best health insurance options available for foreigners in India, comparing plan features, coverage limits, and services to help you choose the right policy for your lifestyle and healthcare needs.
We will share insights into all the top insurance companies and discuss their key features. Keep reading to learn more about the best insurance companies available for expats in India!
Best International Health Insurance Providers for Expats in India
The best nine insurance companies for expats abroad in India include AXA, Bupa Global, and others. Each of these insurers offers a variety of insurance plans to suit any lifestyle and budget.
The full list of the nine best insurance companies are:
Allianz Care Global Insurance Plans in India for Expats
Allianz Care is one of the largest international health insurance providers on the market today and offers expats in India excellent private health insurance coverage. The main three plans for individuals and families are Allianz Care, Allianz Care Plus, and Allianz Care Pro.
We have included the short table below to compare Allianz plan benefits.
|
Allianz Plan Benefits for Expats in India |
|||
|
Care Plan |
Care Plus Plan |
Care Pro Plan |
|
| Annual Limit | USD $2,500,000 | USD $4,000,000 | USD $5,000,000 |
| Type of Room | Semi-Private | Private | Private |
| Inpatient / Day-Care | Covered | Covered | Covered |
| Oncology | Covered | Covered | Covered |
| Medical Evacuation | Covered | Covered | Covered |
In addition to their core Care plans, they also offer additional add-on plans to further your coverage. These plans include their Out-Patient Plan, Dental Plan, Repatriation Plan, and
Maternity Plan. These plans offer important additional treatment coverage for expats in India.
William Russell International Health Coverage in India for Expats
William Russell is a popular international health insurance provider with expats in India because of their comprehensive health insurance. They offer health insurance through four standard plans: Bronze, SilverLite, Silver, and Gold. Each plan varies in coverage limits and benefits.
William Russell offers its members extensive benefits and enhanced member services, with personal account managers for their clients. They designed these unique features to help members get the most out of their policies.
We will compare the Bronze, SilverLite, Silver, and Gold plans and their benefits in the table below.
|
William Russell Plan Benefits for Expats in India |
||||
|
Bronze |
SilverLite | Silver |
Gold |
|
| Annual Benefit Limit | USD $1,500,000 | USD $1,500,000 | USD $2,500,000 | USD $5,000,000 |
| Hospital Accommodations | Semi-private room (option to upgrade to a private room) | Semi-private room (option to upgrade to a private room) | Private room | Private room |
| Hospital Treatment | Full coverage | Full coverage | Full coverage | Full coverage |
| Annual Limit for Out-patient Treatment | No limit | Up to USD $5,000 | No limit | No limit |
| Primary Medical Care | Post-hospital treatment only | USD $1,500 (option to extend to USD $2,500 or USD $3,500) | Full coverage | Full coverage |
Cigna Global Insurance Solutions for Expats in India
Expats in India can purchase international health insurance from Cigna Global’s Close Care, Silver, Gold, and Platinum plans. Cigna is one of the largest international health insurance providers, with a broad global network of 1.65 million hospitals, doctors, and clinics.
Cigna’s health insurance plans offer comprehensive coverage for inpatient and outpatient services and more. The core benefits shared by these plans are:
- Inpatient and day patient coverage
- Full cancer care
- Newborn care coverage
- Private hospital rooms
- Hospital stays and treatments
Some additional coverage that can be added to these plans are:
- Dental and vision benefits
- Evacuation and Crisis Assistance Plus™
- Outpatient services
- Health and wellbeing services
The Silver, Gold, and Platinum plans all offer international coverage, while the Close Care plan only offers coverage in India and the member’s home country.
IMG International Health Coverage in India for Expats
IMG Global is an international insurance company that offers health and travel insurance plans to expat individuals and families in India. Their plans are globally portable, with the choice of worldwide coverage or worldwide excluding the US, Hong Kong, Japan, Macau, Singapore, and Taiwan.
IMG Global provides international health insurance plans with benefits that include inpatient care, cancer treatment, and prescription coverage. These plans come in four different coverage tiers: Bronze, Silver, Gold, and Platinum.
These plans offer differing levels of coverage, with Bronze offering the most basic coverage and Platinum offering the most comprehensive and extensive benefits.
The annual limits for these plans are listed below:
- Bronze: USD $1,000,000 per individual
- Silver: USD $5,000,000 per individual
- Gold: USD $5,000,000 per individual
- Platinum: USD $8,000,000 per individual
In addition to IMG Global’s core plans, members can also purchase additional riders to add to their coverage. Some available riders are their dental rider, vision rider, global term life insurance, and sports rider.
VUMI Global VIP Plans for Expats in India
VIP Universal Medical Insurance Group (VUMI) Insurance offers comprehensive health and travel insurance for expats in India. VUMI offers individual health insurance through its Global Flex VIP Plans, which are available as Basic, Standard, Superior, Ultra, and Total.
Each plan has different coverage limits, but all five plans include some core benefits like standard private hospital room coverage and fully covered ICU stays.
We will share more about the Global Flex VIP Plans below.
- Global Flex VIP Basic Plan: The VIP Basic plan offers the most affordable insurance option to expats in India. It provides inpatient coverage, with outpatient services only being covered before and after surgery.
- Global Flex VIP Standard Plan: This plan offers a step-up in coverage from the Basic plan, with optional wellness and optical benefits.
- Global Flex VIP Superior Plan: The Superior Plan has options for additional optical and maternity benefits and also includes coverage for outpatient benefits like complementary therapies.
- Global Flex VIP Ultra Plan: The Ultra plan is the second most comprehensive health insurance plan VUMI offers. This plan includes routine dental coverage and maternity benefits. Optical benefits can be added as well.
- Global Flex VIP Total Plan: The most comprehensive of VUMI’s health insurance policies. This plan includes the highest benefit limits and includes high coverage for dental and maternity benefits.
AXA Global Insurance Options for India-Based Expats
AXA is a global health insurance provider with 55 years of experience that insures expat individuals and families in India. Its health insurance plans are offered in five coverage tiers: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.
Each of these plans includes comprehensive inpatient coverage, with annual limits ranging from USD $160,000 to $8,000,000. Exact coverage benefits will vary from plan to plan.
The core benefits included in all five plans are:
- Inpatient Hospital Charges and Surgeries
- Emergency Care
- Medical Evacuation and Repatriation
- Wide Range of Cancer Treatments
- Ambulance Transport
- CT, PET, and MRI Scans
Bupa Global Health Insurance for Expats in India
Bupa Global offers international health insurance coverage for expats in India with their four plans: Major Medical, Select, Premier, and Elite. Their most affordable plan provides an annual benefit limit of USD $1,260,000.
Their plans and coverage details may vary by region, so ask your broker for more information. Below, we have compiled a short table illustrating the coverage benefits offered by Bupa Global.
|
Bupa Insurance Coverage Availability for Expats in India |
|
|
Benefit |
Availability through Bupa |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available on many plans |
| Dental Coverage | Available with a 24-month waiting period for orthodontic benefits |
| Maternity Coverage | Available with a 12-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available for routine and travel vaccines |
GeoBlue Health Plans for Expats in India
GeoBlue is a global insurance company offering travel and health insurance plans for individuals, families, students, and groups in India and worldwide. They provide their members in India access to an extensive provider network and offer customizable, comprehensive plans.
GeoBlue offers expat health insurance through their plans Xplorer Premier and Xplorer Essential. The Xplorer Premier plan comes with United States coverage, while Xplorer Essential can have US coverage added at a fee.
These plans come with benefits like:
- Inpatient and Outpatient Coverage
- Emergency Evacuation and Repatriation
- Dental Coverage (With a 3-month Waiting Period)
- Maternity Coverage (With a 12-month Waiting Period)
- Coverage for Annual Health Checks
- Vaccination Coverage
The Xplorer plans come with different choices of deductibles, and each annual maximum limit will depend on the deductible chosen. GeoBlue plans are especially popular with expats moving to India from the US due to the Xplorer Premier’s built-in US coverage.
DavidShield Insurance Options for Expats in India
David Shield is one of the top insurance companies in India due to their unique health insurance solutions and excellent customer service. They offer their members access to quality healthcare in India and across the world. They are also known for their product PassportCard.
David Shield offers individuals the option of health insurance plans with worldwide coverage including USA or excluding USA coverage. Expats looking to save money on their premiums can choose the excluding USA coverage plan.
Some key benefits included in David Shield plans are:
- Hospitalization
- Surgery
- Physician Visits
- Maternity and Infant Care
David Shield also offers maximum flexibility for its members by allowing them to select the medical service provider of their choice from their extensive network.
Using an Insurance Broker to Secure Insurance in India
Expats who use an insurance broker to secure health insurance for their time in India can count on a simplified and streamlined process, with free and unbiased advice and support. Global insurance brokers like Pacific Prime can save you money on expat health insurance for your time abroad.
Insurance brokers save you money by negotiating with the insurance coverage provider on the client’s behalf, comparing plans to find the best deals, and customizing plans. Additionally, they will support and advocate for clients on their insurance journey.
If you’re interested in using an insurance broker to secure a health insurance policy for India, consider the experts at Pacific Prime.
Frequently Asked Questions:
Does India have any requirements for health insurance for expats?
India does not currently require expats to have health insurance, but it is highly recommended in order to help protect expats’ finances in case of unexpected illness or injury. Expats can purchase health insurance through local or international health insurance providers.
Why should expats purchase health insurance during their time in India?
Expats should purchase health insurance for their time in India to help protect themselves against high medical bills and grant them access to a private provider network with English-speaking doctors.
Conclusion
By choosing one of the top nine insurance companies in India, you can be assured you are getting the financial protection you need while living abroad. This coverage is especially necessary in case of any unexpected illness or injury while traveling.
Are you ready to purchase a health insurance plan for India? Contact the experts at Pacific Prime. Pacific Prime is not tied to one specific provider as an insurance broker, which means we can help you shop around for the best fit for you among different providers. Our advice is free and unbiased.
If you’d like to see quotes for health insurance on your own, use our free quote tool on our website!
If you enjoyed this article, check out our others on the top insurance companies in Croatia or Dubai!
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
- How to Compare Travel Insurance Plans the Smart Way – October 21, 2025
- Best Hospitals in the UAE: Top Picks in Dubai and Abu Dhabi – October 21, 2025
- How Much is a Doctor Visit in Dubai Without Insurance? – October 21, 2025
