Travel Insurance for India

If you need medical treatment during your holiday in India, you may find yourself facing significant medical costs. Travel Insurance can be especially crucial if you live with pre-existing medical conditions.

AllClear offers cover for over 1,300 medical conditions, giving you peace of mind while you're in South Asia. Declaring conditions with AllClear is simple thanks to a straightforward screening process, online or over the phone.

Some major conditions we cover include:

Ready to see the stunning jungles, forests and temples of India for yourself? From the Kanha Tiger Reserve to the Taj Mahal, unforgettable experiences await across India. AllClear helps you enjoy your adventure without stressing about your medical bills.

If you are injured in covered activities or adventure sports, overseas Travel Insurance will cover your medical expenses. Enjoy hiking in Kerala and much more without stressing about major expenses.

AllClear’s covered activities include:

• Hiking
• Cycling
• Kayaking
• Snorkelling
• Diving

Riding mopeds, motorcycles and scooters in India

You’ll find many mopeds, motorcycles and scooters in India's bustling city streets. This convenient form of travel also comes with some risks. AllClear policies also include cover for medical expenses due to injuries incurred while riding mopeds and scooters.

This cover includes the following conditions:

• The engine capacity does not exceed 125cc
• You wear a crash helmet
• You have an appropriate licence
• You are covered by a motor insurance policy

Always drive cautiously and follow local laws and road safety advice to avoid motorcycle accidents.

While India is an incredibly exciting destination, travelling there does present a few risks you will need to be prepared for. With AllClear, you have cover for emergency medical treatment costs if you experience a personal accident in India.

India does not have a Reciprocal Health Care Agreement with the Australian Government (Source: Australian Government, accessed 05 Nov 25). If you need medical treatment, your Travel Insurance policy could be the only financial assistance you receive.

Hospitals in India can be relatively more affordable than being treated in Australia. Intensive surgery, such as a heart transplant, costs AUD$33,267 in a private hospital (Source: Yashoda Hospitals, accessed 05 Nov 25). For travellers without insurance, these costs are still significant.

However, facilities in rural or remote areas can be limited, and medical evacuation can become very costly. With AllClear’s comprehensive medical cover, you can travel across India with less stress.

If an incident occurs on your holiday, you will receive cover for your costs. This includes repatriation and evacuation costs to bring you home. AllClear also gives you access to a 24/7 medical helpline. You can use this line any time to help find the right medical care for you overseas.

With AllClear, you’re able to explore this beautiful country with greater peace of mind.

Here are some tips to stay safe on your holiday to India: 

• Natural disasters: Natural disasters you could encounter in India include heatwaves, floods and landslides. Make sure you carry and store your passport in a waterproof container. Monitor local media and follow the advice of local authorities in case of an emergency.
• Food poisoning: Food poisoning can affect travellers to India. This can lead to cases referred to as “Delhi Belly.”  When in India, drink only treated or bottled water. Avoid raw or uncooked food.
• Scams and pickpockets: Phone snatching, scams, and petty crime can occur in tourist-heavy areas or popular destinations. Try to keep your belongings close to you and avoid displaying expensive jewellery or electronics if you can.
• Heat management: India can experience significant heat waves. During a heatwave, stay indoors and in the shade as much as possible. Keep windows and curtains closed during the day and drink plenty of fluids.
• Animal safety: Going on a safari in India can be one of the most exciting parts of your holiday. On safari, keep a safe distance from animals and avoid provoking them.
• Respecting local customs: India has important dress customs and behavioural standards, especially at religious sites. Cows also roam freely in India, and there are laws protecting them from death and injury. Be sure to research any important customs in the areas you are visiting before travelling.

Any safe and fun holiday requires preparation before you head off. Here are a few steps you can take for a better journey:

• Travel Insurance: Buying Travel Insurance is an important step to a safer and more enjoyable trip to India. Be sure you understand what your policy covers you for, and follow all relevant conditions.
• Entry requirements: A visa is required to enter India. There are a range of visa options depending on your situation and your travel plans.
• Smartraveller: Check out the Australian government’s Smartraveller website for warnings and safety advice about travelling to India.
• Consult your health professional: Before leaving Australia, be sure you have spoken to your health professional about your travel plans. Speak to them about vaccinations and how to manage your pre-existing health conditions while on holiday. You should also research if any medications you plan to take are not permitted in India.
• Emergency contacts: Be sure you know the right emergency numbers for the police and other emergency services, as well as the contact details for the Australian Embassy. In India, 112 is the general emergency number.
• Currency: Some locations in India may not support card payments, especially in remote areas. Be sure you have enough rupees for your trip and know the best way to draw more if needed.

India is famous for its breathtaking destinations and unforgettable food culture. The following destinations are must-haves on your Indian bucket list: 

• Kolkata: The “Capital of Joy” features a rich cultural heritage with historic marvels to see around every corner. Kolkata is famous for the New Market, featuring delicious street food and beautiful textiles and handicrafts. It’s an incredible way to immerse yourself in Indian culture.
• Kanha Tiger Reserve: Ready to see the biggest species of cat in the world up close? The Kanha Tiger Reserve is a stunning wildlife conservation reserve. It features gorgeous landscapes and a thriving ecosystem. Don’t miss out on this unforgettable destination.
• Rishikesh: Known as the “yoga capital of the world”, Rishikesh is not to be missed for the spiritually inclined and yoga lovers. You’ll find sacred sites and rituals across the entire city. This includes the Ganga Aarti, where worshippers use multi-tiered oil lamps, chanting and ringing bells to worship every evening. 
• Jaipur: Stop by the “Pink City” to see stunning architectural marvels and experience a vibrant local culture. Jaipur has many bustling markets and is teeming with fascinating history. Be sure to check out the city palace, which is still home to the royal family today.