India Risk Assessment Country Guide

Expat Life in India

With the world’s second-largest population, India is a diverse and expansive nation. According to The Wall Street Journal, India's economy received a boost thanks to surging exports. In June 2014, the nation saw a 10.2% increase in this segment from a year prior. However, the extreme poverty that plagues many citizens leads to potential problems for expats living in the Asian nation.

There is a threat of terrorism throughout all of India, and many attacks target foreigners and public locations. The UK Foreign & Commonwealth Office advises against all travel near the Pakistan border. High-risk regions include Jammu, Manipur and Kashmir destinations such as Phalgam, Gulmarg and Sonamarg.

  • Health
  • Safety & Security
  • Terrorism

Prior to living in India, you should contact your primary care physician and discuss possible vaccinations. Few medical facilities within the country provide a quality level of care, and travel may be needed to access appropriate services. Most major cities offer private medical care, but the costs will be high.

As of June 2, 2015, more than 2,000 people have died as a result of a heat wave in India. In some cities, temperatures have reached 118 degrees Fahrenheit (48 degrees Celsius). The hardest hit area was Andhra Pradesh, on India’s southeast coast, with 42 deaths. Be sure to stay hydrated and stay indoors. To avoid getting a foodborne illness and diarrhea, don't consume any diary products, uncooked food, or tap water. 

Clements Worldwide provides GlobalCare® international health insurance, offering comprehensive medical benefits anywhere in the world. Policies include up to USD 5 million in benefits, flexible payment options and optional extensions. Coverage is also available for families living abroad. 

Some injuries or illnesses abroad may also require travel in order to receive proper levels of care. A Medical Evacuation and Repatriation insurance policy from Clements covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment within India.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in India.

Source: UK Foreign & Commonwealth Office & Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

Political instability occurs frequently throughout India. You should avoid all demonstrations and rallies, since many turn violent, which can also impact public transport and other services.. India's roadways are considered dangerous, and travel is not typically recommended particularly at night. 

Car and motorbike accidents are one of the biggest causes of injury and death overseas, including within India. A number of tourists and foreigners die each year from motor vehicle accidents. Clements offers international car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in India.

Source: UK Foreign & Commonwealth Office & Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

Kidnapping rates in India have increased faster than any other crime in the last 50 years according to statistics released by the country’s government. Bihar, one of India’s poorest states, is reported as accounting for a large number of abductions. India is also home to several large criminal organizations and rebel groups, who orchestrate the kidnappings to improve their revenue streams. 

There is a high risk of terrorism across all of India. The majority of attacks are focused on Indian affairs, although foreigners could be targeted. These incidents often occur in public locations, and local media can provide helpful insights into the current climate. Primary targets include restaurants, railway stations, hotels and sporting events.

Terrorist attacks are common in regions like Jammu, Kashmir, Assam, Jharkand and Chhattisgarh, while occurrences are rare in the Northeast part of the country. Several local governments have imposed travel restrictions for areas near local tribes.

On October 31, 2016 a group of eight individuals who were members of the Students of Islamic Movement of India killed a security guard and escaped from a Bhopal Central Jail. The group was shot and killed in Eintkhedi village.

On October 28, 2016 a group of unknown terrorists attacked and killed a soldier from the Indian Army in the Kupwara district.

On October 16, 2016 a swayamsevak of the Rashtriya Swayamsevak Sangh (RSS) was stabbed and killed in Bengaluru.

On October 11, 2016 an unknown perpetrator attacked members of the Central Reserve Police Force and several civilians with a grenade. Ten people were wounded in the attack.

On October 2, 2016 Kashmiri separatists shot and killed an Indian soldier and wounded four others in the Indian city of Baramulla.

On September 26, 2016, a grenade attack targeting the Central Reserve Police Force injured 5 soldiers in Anantnang, Kashmir, India.

On September 18, 2016, twenty-three people were killed, including 4 attackers, and approximately 30 other soldiers were wounded when a base was attacked in Kashmir

On September 13, 2016, a shootout between the Zeliangrong United Front and the National Socialist Council of Nagaland resulted in one death.

On September 12, 2016, one person was killed in an attack in the city of Anantnang when terrorists threw a grenade at a police station.

On September 6, 2016, a group of militants attacked a convoy of army soldiers in Kashmir. Three individuals were injured in the attacks.

On September 3, 2016, soldiers in the Assam Rifles were attacked and four killed in an ambush attack launched by the National Socialist Council of Nagaland.

On August 14, 2016, unknown assailants threw a grenade into a group of Hindu pilgrims. No one was killed, but 13 people were injured.

On August 5, 2016, six terrorists suspected of being Bodo militants attacked the Balajan Tinali market area in the city of Kokrajhar in Assam with AK-47s and grenades. Fourteen people were killed and 15 others were wounded.

On July 15, 2016, one person was killed and 7 others were wounded in a grenade attack on police in Kulgam. 

On June 25, 2016, eight people were killed and 20 injured after a shooting attack, where the two attackers were also killed. Some people were critically injured. The attacks came after another attack that injured 4 policemen at a party, and after a top Lashkar-e-Taiba commander was arrested.

On June 14, 2016, a double terrorist attack in Kud resulted in the death of a victim and a militant, and the injury of 9. The status of the second attacker is currently unknown. The attack sparked protests, as it was later revealed that two civilian victims were actually shot by Indian troops amid the chaos.

On June 3, 2016 in Bijbahara, three BSF members were killed and 11 injured, including civilians, after a terrorist attack. 5 more policemen were also killed.

On May 22, 2016, rebels ambush and kill six Indian paramilitary soldiers in the state of Manipur, near the northeastern border with Myanmar.

On January 2, 2016, suspected militants disguised as soldiers attacked an Indian air base killing 7 security force members, including Subedar Fateh Singh who won gold and silver medals in the first Commonwealth Shooting Championships held in 1995, before being killed after a 15-hour gunfight. A civilian was also killed in the attack.

On July 27, 2015, several gunmen dressed as members of the Indian Army boarded a civilian bus and opened fire, killing at least five people in the northern state of Punjab. The gunmen went on to raid and take over a police station. They were killed in a shootout that lasted 12 hours with the police. 

In 2013, several bombs exploded in Patna, with six casualties and at least 80 injuries. 

In 2012, two Italian tourists were kidnapped from an area of Orissa, and were eventually released following negotiations. 

In 2008, Mumbai was targeted several different times, with incidents taking place at hotels, railway stations and restaurants. More than 160 people were killed, with an additional 300 reported injuries.

Clements can create a comprehensive Kidnap and Ransom policy, covering ransom monies, crisis negotiators and other related expenses.

Clements also provides War and Terrorism insurance, offering financial protection against loss or business interruption. Extensions are available for Personal Accident, international car insurance, Transit and Cargo and Health insurance programs, as well as others.

The risk of piracy in India’s territorial waters is low. However, threats exist in parts of the Indian Ocean, with shipping companies and mariners especially vulnerable without the necessary precautions. A Clements’ Maritime Security policy ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage, and more efficient policy administration.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in India.

Source: UK Foreign & Commonwealth Office & Clements Worldwide 

Contact a Clements Representative for Insurance Solutions