India Travel Insurance Calculator

Three bands dominate India quotes — Basic, Standard and Premium — and the premium gap between them is narrower than the coverage gap. Concretely: one Standard week for a US$2,000 India trip costs $113.16 at age 35 — the same trip prices $75.44 on Basic and $150.88 on Premium.

Age bites harder than duration: over-65 travellers can pay 40–90% more for the identical India itinerary. Cancel-for-any-reason upgrades typically add 40–50% to the India premium — worth it only for large non-refundable bookings.

Treat USD 100,000 as the India medical floor and USD 250,000 as the comfortable number — the premium difference between them is a few dollars a week. Medical evacuation home from India can cost USD 50,000–200,000 by air ambulance, which is why the ≥USD 100,000 line is standard advice. Cruise, dive or hike on your India trip?

Price the India rider against the activity, not the destination — base policies exclude most of it. Cancellation cover should equal your non-refundable India costs — flights, first nights, prepaid tours — not the whole hypothetical budget.

For India, declare pre-existing conditions at purchase — an undeclared condition voids the medical half of the policy precisely when you need it. India claims adjusters deny incident reports involving intoxication without appeal — it is the most-cited exclusion in travel insurance generally. Riders for adventure sports on India trips typically exclude competition and paid guiding — read the definition, not just the title.

India claims tied to events publicised before your booking date are denied as foreseeable; timing of purchase is part of the contract. Routine care does not travel: India policies cover emergencies, not dental check-ups, vision tests or prescription refills for chronic conditions.

Insure the India trip within two weeks of the first payment to keep waiver windows open, then re-run this calculator if the budget changes. Deductibles on India policies run $0–500 by tier; choose the number you could actually pay at a New Delhi hospital counter in cash.

Claims for India live or die on paperwork: police reports for theft, incident reports from the operator, and itemised medical invoices in English where possible. Credit cards often include travel medical cover — check whether your card's policy reaches India before paying for duplicate coverage.