{"id":18242,"date":"2025-04-07T20:24:32","date_gmt":"2025-04-07T12:24:32","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=18242"},"modified":"2026-01-23T15:59:44","modified_gmt":"2026-01-23T07:59:44","slug":"top-india-insurance-companies-expats","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/top-india-insurance-companies-expats.html","title":{"rendered":"Top 9 International Health Insurance Providers in India for Expats"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Allianz Care, William Russell, Cigna Global, Bupa Global, AXA Global Healthcare, IMG, VUMI, Blue Cross Blue Shield Global Solutions, 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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We will share insights into all the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-top-10-providers.html\"><span style=\"font-weight: 400;\">top insurance companies<\/span><\/a><span style=\"font-weight: 400;\"> and discuss their key features. Keep reading to learn more about the best insurance companies available for expats in India!\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Best International Health Insurance Providers for Expats in India<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-20883 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/gateway-of-india-viewed-from-the-sea-in-mumbai-during-daytime.webp\" alt=\" Image of Gateway Of India Viewed From The Sea In Mumbai During Daytime with text overlay of &quot;International Health Insurance Providers for Expats in India&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/gateway-of-india-viewed-from-the-sea-in-mumbai-during-daytime.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/gateway-of-india-viewed-from-the-sea-in-mumbai-during-daytime-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/gateway-of-india-viewed-from-the-sea-in-mumbai-during-daytime-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/gateway-of-india-viewed-from-the-sea-in-mumbai-during-daytime-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/gateway-of-india-viewed-from-the-sea-in-mumbai-during-daytime-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The full list of the nine best insurance companies are:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz Care<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/william-russell\/\"><span style=\"font-weight: 400;\">William Russell<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG Global<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI\u00a0<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/bupa\/\"><span style=\"font-weight: 400;\">Bupa Global<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.lat\/insurers\/david-shield-health-insurance\/\"><span style=\"font-weight: 400;\">David Shield<\/span><\/a><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-20' style='margin: 8px 0; clear: both;'>\n<!--<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_1.jpg\" alt=\"blog banner asia 1\" width=\"1138\" height=\"493\" \/><\/button><\/p>-->\n\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_1.jpg\" alt=\"blog banner asia 1\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Allianz Care Global Insurance Plans in India for Expats<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz Care<\/span><\/a><span style=\"font-weight: 400;\"> 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 <\/span><b>Allianz Care, Allianz Care Plus, and Allianz Care Pro<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We have included the short table below to compare Allianz plan benefits.\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"4\">\n<p style=\"text-align: center;\"><b>Allianz Plan Benefits for Expats in India<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\n<p style=\"text-align: center;\"><b>Care Plan<\/b><\/p>\n<\/td>\n<td style=\"text-align: center;\"><b>Care Plus Plan<\/b><\/td>\n<td>\n<p style=\"text-align: center;\"><b>Care Pro Plan<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Annual Limit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $4,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $5,000,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Type of Room<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Semi-Private<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Private<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Private<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Inpatient \/ Day-Care<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Oncology<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medical Evacuation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">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\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Maternity Plan. These plans offer important additional treatment coverage for expats in India.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-21' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_2.jpg\" alt=\"blog banner asia 2\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">William Russell International Health Coverage in India for Expats<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/william-russell\/\"><span style=\"font-weight: 400;\">William Russell<\/span><\/a><span style=\"font-weight: 400;\"> 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:<\/span><b> Bronze, SilverLite, Silver, <\/b><span style=\"font-weight: 400;\">and <\/span><b>Gold<\/b><span style=\"font-weight: 400;\">. Each plan varies in coverage limits and benefits.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We will compare the Bronze, SilverLite, Silver, and Gold plans and their benefits in the table below.\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"5\">\n<p style=\"text-align: center;\"><b>William Russell Plan Benefits for Expats in India<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>\n<p style=\"text-align: center;\"><b>Bronze<\/b><\/p>\n<\/td>\n<td style=\"text-align: center;\"><b>SilverLite<\/b><\/td>\n<td style=\"text-align: center;\"><b>Silver<\/b><\/td>\n<td>\n<p style=\"text-align: center;\"><b>Gold<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Annual Benefit Limit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $5,000,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hospital Accommodations<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Semi-private room (option to upgrade to a private room)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Semi-private room (option to upgrade to a private room)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Private room<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Private room<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hospital Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full coverage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full coverage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full coverage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full coverage<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Annual Limit for Out-patient Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No limit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to USD $5,000\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No limit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No limit<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Primary Medical Care<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Post-hospital treatment only<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $1,500 (option to extend to USD $2,500 or USD $3,500)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full coverage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full coverage<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-22' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_3.jpg\" alt=\"blog banner asia 3\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Cigna Global Insurance Solutions for Expats in India<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats in India can purchase international health insurance from <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna Global\u2019s<\/span><\/a> <b>Close Care, Silver, Gold, and Platinum<\/b><span style=\"font-weight: 400;\"> plans. Cigna is one of the largest international health insurance providers, with a broad global network of 1.65 million hospitals, doctors, and clinics.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cigna\u2019s health insurance plans offer comprehensive coverage for inpatient and outpatient services and more. The core benefits shared by these plans are:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient and day patient coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Full cancer care\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Newborn care coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Private hospital rooms<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospital stays and treatments\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some additional coverage that can be added to these plans are:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dental and vision benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Evacuation and Crisis Assistance Plus&#x2122;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Outpatient services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Health and wellbeing services<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The Silver, Gold, and Platinum plans all offer international coverage, while the Close Care plan only offers coverage in India and the member\u2019s home country.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">IMG International Health Coverage in India for Expats<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG Global<\/span><\/a><span style=\"font-weight: 400;\"> 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 <\/span><b>excluding <\/b><span style=\"font-weight: 400;\">the US, Hong Kong, Japan, Macau, Singapore, and Taiwan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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: <\/span><b>Bronze, Silver, Gold, and Platinum.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">These plans offer differing levels of coverage, with Bronze offering the most basic coverage and Platinum offering the most comprehensive and extensive benefits.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The annual limits for these plans are listed below:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bronze: <\/b><span style=\"font-weight: 400;\">USD $1,000,000 per individual\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Silver: <\/b><span style=\"font-weight: 400;\">USD $5,000,000 per individual\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gold:\u00a0 <\/b><span style=\"font-weight: 400;\">USD $5,000,000 per individual\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Platinum:\u00a0 <\/b><span style=\"font-weight: 400;\">USD $8,000,000 per individual\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In addition to IMG Global\u2019s 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.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-23' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_4.jpg\" alt=\"blog banner asia 4\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">VUMI Global VIP Plans for Expats in India<br \/>\n<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">VIP Universal Medical Insurance Group (<\/span><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI<\/span><\/a><span style=\"font-weight: 400;\">) Insurance offers comprehensive health and travel insurance for expats in India. VUMI offers individual health insurance through its <\/span><b>Global Flex VIP Plans<\/b><span style=\"font-weight: 400;\">, which are available as <\/span><b>Basic, Standard, Superior, Ultra, and Total.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We will share more about the Global Flex VIP Plans below.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Basic Plan:<\/b><span style=\"font-weight: 400;\"> 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.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Standard Plan: <\/b><span style=\"font-weight: 400;\">This plan offers a step-up in coverage from the Basic plan, with optional wellness and optical benefits.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Superior Plan<\/b><span style=\"font-weight: 400;\">: The Superior Plan has options for additional optical and maternity benefits and also includes coverage for outpatient benefits like complementary therapies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Ultra Plan:<\/b><span style=\"font-weight: 400;\"> 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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Flex VIP Total Plan<\/b><span style=\"font-weight: 400;\">: The most comprehensive of VUMI\u2019s health insurance policies. This plan includes the highest benefit limits and includes high coverage for dental and maternity benefits.\u00a0<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">AXA Global Insurance Options for India-Based Expats\u00a0<\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-20885 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/crowd-gathered-near-a-large-government-building-in-bangalore-india.webp\" alt=\"Image of Crowd Gathered Near A Large Government Building In Bangalore, India with text overlay of &quot;AXA Global Insurance Options for India-Based Expats&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/crowd-gathered-near-a-large-government-building-in-bangalore-india.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/crowd-gathered-near-a-large-government-building-in-bangalore-india-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/crowd-gathered-near-a-large-government-building-in-bangalore-india-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/crowd-gathered-near-a-large-government-building-in-bangalore-india-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/crowd-gathered-near-a-large-government-building-in-bangalore-india-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA<\/span><\/a><span style=\"font-weight: 400;\"> 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: <\/span><b>Foundation, Standard, Comprehensive, Prestige, and Prestige Plus<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The core benefits included in all five plans are:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient Hospital Charges and Surgeries<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency Care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical Evacuation and Repatriation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wide Range of Cancer Treatments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ambulance Transport<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CT, PET, and MRI Scans<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Bupa Global Health Insurance for Expats in India<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/bupa\/\"><span style=\"font-weight: 400;\">Bupa Global<\/span><\/a><span style=\"font-weight: 400;\"> offers international health insurance coverage for expats in India with their four plans: <\/span><b>Major Medical, Select, Premier, and Elite<\/b><span style=\"font-weight: 400;\">. Their most affordable plan provides an annual benefit limit of USD $1,260,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<p style=\"text-align: center;\"><b>Bupa Insurance Coverage Availability for Expats in India\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><b>Benefit\u00a0<\/b><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><b>Availability through Bupa<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Inpatient &amp; Outpatient Coverage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Available<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Emergency Evacuation and Repatriation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Available on many plans<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Dental Coverage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Available with a 24-month waiting period for orthodontic benefits<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Maternity Coverage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Available with a 12-month waiting period<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Coverage for Annual Health Checks<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Available<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Vaccination Coverage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Available for routine and travel vaccines<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-24' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_5.jpg\" alt=\"blog banner asia 5\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions Health Plans for Expats in India\u00a0<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions<\/span><\/a><span style=\"font-weight: 400;\">\u00a0is 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions offers expat health insurance through their plans <\/span><b>Xplorer Premier and Xplorer Essential<\/b><span style=\"font-weight: 400;\">. The Xplorer Premier plan comes with United States coverage, while Xplorer Essential can have US coverage added at a fee.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These plans come with benefits like:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient and Outpatient Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency Evacuation and Repatriation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dental Coverage (With a 3-month Waiting Period)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maternity Coverage (With a 12-month Waiting Period)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for Annual Health Checks<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vaccination Coverage<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The Xplorer plans come with different choices of deductibles, and each annual maximum limit will depend on the deductible chosen. Blue Cross Blue Shield Global Solutions plans are especially popular with expats moving to India from the US due to the Xplorer Premier\u2019s built-in US coverage.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">DavidShield Insurance Options for Expats in India\u00a0<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.lat\/insurers\/david-shield-health-insurance\/\"><span style=\"font-weight: 400;\">David Shield<\/span><\/a><span style=\"font-weight: 400;\"> 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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some key benefits included in David Shield plans are:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surgery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Physician Visits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maternity and Infant Care<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Using an Insurance Broker to Secure Insurance in India<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurance brokers save you money by negotiating with the insurance coverage provider on the client\u2019s behalf, comparing plans to find the best deals, and customizing plans. Additionally, they will support and advocate for clients on their insurance journey.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re interested in using an insurance broker to secure a health insurance policy for India, consider the experts at <\/span><a href=\"https:\/\/www.pacificprime.com\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions:<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Does India have any requirements for health insurance for expats?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">India does not currently require expats to have health insurance, but it is highly recommended in order to help protect expats\u2019 finances in case of unexpected illness or injury. Expats can purchase health insurance through local or international health insurance providers.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Why should expats purchase health insurance during their time in India?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">By choosing one of the top <\/span><span style=\"font-weight: 400;\">nine<\/span> <span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you ready to purchase a health insurance plan for India? <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Contact the experts at Pacific Prime.<\/span><\/a><span style=\"font-weight: 400;\"> 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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019d like to see quotes for health insurance on your own, use <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">our free quote tool on our website<\/span><\/a><span style=\"font-weight: 400;\">!\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you enjoyed this article, check out our others on the top insurance companies in <a href=\"https:\/\/www.pacificprime.com\/blog\/top-insurance-companies-croatia-expats.html\">Croatia<\/a> or <a href=\"https:\/\/www.pacificprime.com\/blog\/top-dubai-insurance-companies-expats.html\">Dubai<\/a>!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Allianz Care, William Russell, Cigna Global, Bupa Global, AXA Global Healthcare, IMG, VUMI, Blue Cross Blue Shield Global Solutions, 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.\u00a0 This article highlights the best health insurance options &#8230;<\/p>\n","protected":false},"author":54,"featured_media":20881,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-18242","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Top 9 Insurance Companies in India for Expats<\/title>\n<meta name=\"description\" content=\"A guide to the top 9 health insurance 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