How do you get health insurance in India in 2026?

Corporate Employment Visa packages often include group medical insurance with cashless networks in Bangalore, Mumbai, and Delhi-NCR. Read the panel list, maternity waiting periods, and dependent rules before you cancel travel cover. Employer cover is a workplace benefit, not a substitute for checking whether your preferred hospital is in-network.

Some payroll stacks also touch statutory social-security pieces for eligible employees. Treat those as incomplete for elective private care. Confirm HR enrolment after your residence and visa path starts.

Compare IRDAI-regulated domestic health policies sold in India with international medical plans that travel with you. Domestic family premiums can look soft in rupees; international plans matter more for evacuation, higher age limits, or worldwide cover. Comprehensive individual international cover often lands roughly in a mid-hundreds-of-dollars monthly band depending on age and deductibles.

Check inpatient annual limits, outpatient clinics, dental exclusions, and cashless panels near Indiranagar, Bandra, or Gurgaon. Keep a travel or bridge policy until the Indian policy’s start date. Premiums belong on your monthly budget beside rent. Sequence insurance beside FRRO and banking in paperwork after moving.