In this article, we will explore the health insurance requirements in India, the state health insurance system, how to apply for it, and the advantages of international private medical insurance.
Health Insurance Requirements in India
In India, health insurance is not mandatory for all residents, including expats. However, it is highly recommended that expats obtain health insurance to ensure they have access to quality healthcare services.
State Health Insurance System in India
The state health insurance system in India is known as the Ayushman Bharat scheme. It is a public healthcare system that provides free or low-cost medical care to economically disadvantaged residents of India. The Ayushman Bharat scheme is funded through government taxes.
What does it cover?
The Ayushman Bharat scheme provides coverage for hospitalization expenses up to a certain amount. The scheme covers expenses related to medical consultations, diagnostic tests, surgeries, and hospitalization. The scheme also provides coverage for some pre-existing conditions.
How to Apply for State Health Insurance in India
Expats living and working in India are not eligible to apply for the Ayushman Bharat scheme. The scheme is only available to economically disadvantaged residents of India. However, expats can still access public healthcare services by paying out of pocket or purchasing private health insurance.
Advantages of Private Insurance
While the Ayushman Bharat scheme provides some healthcare coverage, expats living in India may also consider purchasing international private medical insurance. Here are some advantages of international private medical insurance:
More comprehensive coverage
International private medical insurance can offer more comprehensive coverage than the Ayushman Bharat scheme. This can include coverage for elective procedures, alternative therapies, and treatments not covered by the Ayushman Bharat scheme.
Access to private healthcare facilities
International private medical insurance can provide access to private healthcare facilities, which may offer shorter wait times and more personalized care.
Portability
International private medical insurance is portable, which means that it can be used in other countries. This can be an advantage for expats who travel frequently or plan to relocate to another country in the future.
English-speaking assistance
Many international private medical insurance providers offer English-speaking assistance, which can be helpful for expats who are not fluent in Indian languages.
Health insurance is not mandatory for all residents of India, including expats. The state health insurance system, the Ayushman Bharat scheme, is only available to economically disadvantaged residents of India. Expats can still access public healthcare services by paying out of pocket or purchasing private health insurance. Additionally, expats may consider purchasing international private medical insurance for more comprehensive coverage, access to private healthcare facilities, portability, and English-speaking assistance. By understanding their health insurance options, expats can make informed decisions about their healthcare needs while living in India.
