Insurance for entry into India: who needs it, application rules for different visa categories, and where to buy it?

An important element of traveling to India in 2025 is an insurance policy. Find out who needs medical insurance for a trip to India in 2025, what requirements apply to tourists, students and workers, what risks are covered by the policy and where is the most convenient place to apply for insurance online

Insurance policy - a guarantee of your safety and peace of mind while travelling outside Ukraine

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India is one of the most colorful countries in the world, attracting thousands of tourists, students and professionals every year. However, before traveling, you should take care not only of a visa and airline tickets, but also of medical insurance. It is not just a formality, but real protection in case of illness, injury or unforeseen situations during your stay in the country.

We will tell you about the features of insurance for traveling to India in this article.

This article will tell you about the most expensive cities for foreigners in India.

Useful information that may be useful when planning a move to India can be found here:

- Rules for entering India for Ukrainians.

- Employment in India for Ukrainians.

- Immigration to India for Ukrainians.

- Studying in India for Ukrainians.

Apply for travel insurance online in 5 minutes on Visit Ukraine!

Who needs insurance to enter India?

Medical insurance is not mandatory by law for foreigners in India, but its presence is strongly recommended. Depending on the purpose of the visit, the requirements for the insurance policy may differ.

Tourists

The Indian government does not require foreigners visiting the country to have travel insurance. However, it is strongly recommended.

An accident or health problem, such as illness or injury, may occur during your trip. In many countries, medical expenses can be quite high. Travel insurance helps cover the costs associated with such emergencies.

This policy can also be a support in case of emergencies during travel - flight cancellation or delay, lost luggage, etc.

Tips for travelers on how to stay healthy while traveling to India in this material.

Student Visa

India has several requirements for obtaining a student visa, but it does not require proof of insurance.

Although there are no insurance requirements for India, it is still strongly recommended to purchase insurance before traveling to India. Insurance in India for international students is a good idea due to the numerous health risks that travel can bring.

Work Visa

When obtaining a work visa, health insurance is also not mandatory by law for foreigners in India, but its presence is strongly recommended. Without coverage, expats may face high medical bills for emergencies, hospitalizations, or routine care, especially in private hospitals.

Key rules for foreigners planning to move to India to work here.

In 2025, India passed an updated immigration bill that provides for stricter penalties for violating the visa regime. More details in this article.

Planning to obtain Indian citizenship in 2025? Read here how to do it, what changes in the legislation you should familiarize yourself with and what documents you will need.

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General requirements for insurance policies for short-term and long-term trips

When choosing a policy, it is important to consider that it meets international standards. Key criteria:

- Minimum coverage - from $ 30,000 (for short tourist visits).

- Long-term programs - it is desirable to have coverage of $ 50,000 or more.

- Medical assistance: treatment of injuries, illnesses, hospitalization, evacuation in case of serious cases.

- Additional options: baggage insurance, trip cancellation, civil liability (especially for long-term visas).

- The validity of the policy should cover the entire period of stay in India.

What insurance can be taken out in India?

When planning a trip to India, it is important to choose a reliable insurance policy that will meet the purposes of the trip and the requirements of the migration authorities.

There are two main options: taking out local insurance in India or purchasing a policy from a Ukrainian insurance company before the trip.

Local insurance in India

You can purchase a policy directly from Indian insurance companies. Main disadvantages:

- High price - for foreigners, rates are often higher than for locals.

- Valid only within India – if you go abroad (even for a day), the policy ceases to be valid.

- Difficulty in processing – local bank details or a residence permit are required.

That is, for tourists, students at the stage of submitting documents or for short trips, local insurance is not a convenient option. It is more suitable for those who already have resident status or work in the country.

Online insurance through Ukrainian insurers

The most convenient and fastest way to get a policy is to apply for insurance online before your trip through a proven platform. For example, on the Visit Ukraine portal, you can:

- Apply for insurance that meets the requirements of tourist travel and local residence permit.

- Receive an electronic policy by email in 5 minutes.

- Choose coverage: from 30,000 euros.

- Enable the COVID-19, injury, repatriation insurance option

- Pay by card from any country

Such policies are accepted by the Indian migration service for visa-free entry and application for a national visa.

What does the insurance that can be applied for on Visit Ukraine cover?

When choosing an insurance policy for a trip to India, it is important to understand which risks are covered by different insurance options. The Visit Ukraine portal offers both medical and travel insurance policies that meet all the requirements of India and provide financial protection in case of unforeseen circumstances during your stay in the country.

Medical insurance on the Visit Ukraine portal

Medical insurance policies available on the Visit Ukraine website provide comprehensive protection during your stay in India, including emergency medical care, COVID-19 treatment, and compensation for transportation costs in emergency situations.

The ‘Whole World Classic‘ policy provides basic coverage:

- COVID-19: diagnosis and treatment as prescribed by a doctor.

- Emergency outpatient care.

- Emergency inpatient care.

- Emergency dental care.

- Expenses for transportation by vehicle to the nearest medical facility.

- Emergency obstetric care up to the 28th week of pregnancy.

- Accident insurance.

- Expenses for burial abroad.

- Costs of repatriation of the body to the place of burial in Ukraine.

The policy ‘SILVER-VU Whole World’ provides extended coverage, including all the benefits of ‘Classic’, as well as additional services, such as:

- Payment of expenses for consultations, diagnostics, treatment and medicines.

- Expenses for emergency calls.

- Compensation for vaccination costs.

- Coverage of expenses related to the diagnosis and treatment of COVID-19.

- Compensation for the cost of telephone communication in the event of an insured event.

- Organisation and payment for emergency medical care.

The policy ‘GOLD-VU Worldwide’ provides even wider coverage, including all the benefits of ‘SILVER-VU’, as well as:

- Coverage for COVID-19 and SARS treatment costs.

- Payment for inpatient treatment for up to 15 days after the end of the insurance period.

- Compensation for the cost of lost luggage.

- Reimbursement of expenses for the preparation of documents for returning to the country of permanent residence.

- Emergency gynaecological care.

The policy ‘All Inclusive PLATINUM-VU’ provides the maximum level of insurance coverage, including all the benefits of ‘GOLD-VU’, as well as:

- Reimbursement of expenses for staying in a high-comfort waiting area in case of flight delay.

- Reimbursement of expenses due to technical malfunctions of water transport.

- Payment of expenses for the early return of children under 14 years of age in case of an emergency.

- Reimbursement of the cost of stay of the insured person's companion in a hotel abroad in case of hospitalisation.

- Coverage of expenses for legal services and an interpreter for medical care.

- Payment of the cost of economy class travel to return to the country of permanent residence.

Travel insurance on the Visit Ukraine portal

If you are planning a short-term trip to Japan, you can take advantage of the ‘All Inclusive Basic’ travel insurance package, which covers:

- COVID-19: diagnosis and treatment as prescribed by a doctor.

- Emergency outpatient care.

- Emergency inpatient care.

- Costs of calling an ambulance in the country of residence.

- Emergency ambulance.

- Emergency obstetric care up to the 28th week of pregnancy.

- Expenses for emergency and urgent outpatient and inpatient care, including consultations, diagnostics, treatment and payment for medicines.

- Expenses for emergency surgeries, including medicines, bandages and fixation devices.

- Repatriation of the body.

- Medical transport.

How much does insurance cost on the Visit Ukraine portal?

Medical insurance

Travel insurance

Why is it worth taking out insurance for a trip to Japan on Visit Ukraine?

- A wide range of insurance programmes adapted to the different needs of travellers - from tourist trips to long-term stays.

- Instant online registration.

- Affordable tariff plans with transparent pricing conditions and no hidden fees.

- Round-the-clock customer support to help you solve any situation during your stay in Germany.

- Guaranteed quality of insurance services from trusted companies.

Planning a trip to India?

Get a policy quickly and conveniently on the Visit Ukraine portal! The insurance meets all the requirements for entry into the EU and provides reliable protection during your stay abroad.

Get insurance online in a few minutes and travel without worries!

We remind you! Taking out medical insurance for a child before traveling abroad is an important step that guarantees the safety and peace of mind of parents during the trip. Even a short trip abroad requires a responsible approach to the health of a little traveler. We have already talked about which insurance to choose, who can take it out, and how to do it online.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

Our recommendation for a safe and comfortable trip: 

Visit Ukraine Insurance - insurance for a safe stay abroad without unnecessary expenses;

Green Card - compulsory car insurance for traveling abroad;

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