An expat’s guide to living in India

More than 18 million expatriates call India a home away from home – more than any other country in the world. Among them are more than a million Westerners working in the country’s thriving IT, consulting, engineering and energy sectors, resulting in India being dubbed ‘the darling of expat techies’. According to an HSBC survey, expats to India are highly educated strivers looking to energise their careers in a country where they report earning higher salaries while enjoying a lower cost of living.

In this comprehensive guide, we’ll delve into the essentials of expat life in India, offering insights, practical tips, and cultural nuances to help would-be expats prepare to make the move. Whether you’re relocating for work, study, or simply seeking a new adventure, our guide will give you the need to know about living in India.

Do I need health insurance in India?

Health insurance is considered a must for expats moving to India. While the country’s private healthcare services are of a high standard, so much so that India is a regional hotbed of so-called ‘health tourism’, its public health services can be less reliable.

Public hospitals, especially in rural areas, often lack essential equipment, leading to overcrowding and long wait times for treatment. Additionally, a shortage of qualified doctors further degrades the quality of care. While a few metropolitan areas boast decent public hospitals, they may not meet the standards expected by Western expats. The UK government strongly advises citizens to take out healthcare coverage before travelling to the country.

India’s private healthcare is renowned for its high standards. Expats can expect state-of-the-art facilities, well-trained medical professionals, and advanced equipment in many private hospitals. Moreover, the cost of treatment in private facilities will be lower than in the West, making India an increasingly popular destination for medical tourism.

While local health insurance options exist, international health insurance policies typically offer more extensive coverage, including access to private hospitals and clinics. This comprehensive coverage is considered crucial for expats planning to visit rural areas where access to healthcare may be more limited.

While public healthcare might not be ideal, private healthcare options offer a reliable alternative. With the right insurance coverage, expatriates can be confident in the knowledge healthcare will be available should the need arise.

How safe is India for expats?

According to Expat Insider’s most recent survey, more expats living in India report feeling unsafe than in most of the other countries surveyed. Navigating the streets on foot or bicycle proves difficult and risky for nearly half of expats, with 19 per cent saying they feel incredibly unsafe, far surpassing global averages.

Concerns extend beyond traffic hazards; only 73 per cent of respondents said they feel generally safe in India, compared to 83 per cent globally. Additionally, a sizeable portion expresses discomfort in openly expressing opinions, with 37 per cent feeling unable to do so, contrasting sharply with the global rate of 15 per cent. India ranks 48th in the Safety & Security Subcategory, highlighting widespread safety apprehensions among expats.

Heightened terrorism alerts and political tensions further compound safety concerns. Foreign nationals, particularly those from the UK, are advised to remain vigilant, especially during rallies or demonstrations, which can carry a risk of violence. Civil disturbances are commonplace, often occurring during elections or following the demise of prominent figures, leading to disruptions in public services and transportation networks.

Moreover, the prevalence of petty crime adds to expatriates’ safety worries. Robberies, particularly on trains, buses, and in crowded areas, are common occurrences. Scams such as card skimming and confidence tricks, where criminals impersonate embassy or consulate officials, also pose a risk.

For female expats, the risk of harassment is a significant concern, especially when travelling alone. Reports of verbal and physical abuse in popular tourist destinations like Goa, Rajasthan, Mumbai, Delhi, and Kerala are real.

Is India a cheap country to live in?

India can be an affordable destination for expats due to its low cost of living compared to many Western countries. On average, rent in India is almost 90 percent lower than in the United States – even in major cities like Mumbai and Delhi.

Expats are likely to save money on food and dining expenses in India, where three meals a day will cost just $10, and a sit-down meal in a restaurant could be as cheap as $3. Expats can enjoy a variety of dishes, including curries, rice, bread, and vegetarian options at a fraction of the cost of dining out in Western countries.

Transport is cheaper, too, particularly for public transportation options such as buses, trains, and auto-rickshaws. Public transportation networks in major cities are extensive and inexpensive – however, private transportation options may be more convenient. While private hire vehicles will be pricier than busses, India has the 2nd cheapest taxi fares in the world.

Healthcare expenses in India can vary depending on whether expats opt for public or private healthcare services. Public healthcare facilities in India are more affordable compared to private hospitals, with nominal fees for consultations and treatments. However, the quality of care in public hospitals may vary, and expats may encounter long wait times and overcrowded facilities. Private healthcare, while offering higher quality services, may come with higher costs, especially for specialised treatments and procedures.

Expats can also expect to save on utilities, entertainment, and leisure activities. Utility bills, including electricity, water, and internet, are generally lower in India. Additionally, entertainment options such as movie tickets, cultural events, and recreational activities are often available at affordable prices, allowing expats to enjoy a high quality of life without breaking the bank.

What is the quality of life in India for expats?

Expats report feeling optimistic about their careers and financial situation but complain of safety concerns and environmental hazards. As per the Expat Insider 2023 survey, certain aspects of living in India are highly regarded by expatriates, while others pose significant challenges.

Overall Satisfaction: India ranks 36th out of 53 destinations in the Expat Insider 2023 survey. Despite ranking poorly in certain indices, such as Quality of Life and Expat Essentials, a majority of expats (73%) report being happy with their life in India, aligning closely with the global average of 72%.
Environmental Concerns: India fares poorly in the Quality-of-Life Index, particularly in the Environment & Climate subcategory. Expats express dissatisfaction with air quality and the urban environment, citing issues such as pollution and lack of green spaces. Concerns about government policies to protect the environment are also prevalent among expats.
Career Opportunities: Expats in India generally find purpose and satisfaction in their work. India ranks 33rd in the Working Abroad Index, with expats appreciating personal career opportunities and finding purpose in their jobs. The fields of education, coaching & consulting, and transportation & logistics are prominent among expatriate employment.
Financial Situation: Financially, India offers significant advantages for expats. A large percentage (72%) of expats report being happy with their financial situation, with many feeling that their disposable household income is more than enough to lead a comfortable life. India ranks 9th in the Personal Finance Index, reflecting the financial stability enjoyed by expats.
Bureaucratic Challenges: Expatriates in India encounter difficulties with bureaucracy and administrative processes. India ranks poorly in the Admin Topics subcategory, with a significant proportion of expats finding it hard to deal with local bureaucracy. Challenges with the availability of government services online and housing affordability are also highlighted.

An expat’s guide to living in India

Do I need health insurance in India?

How safe is India for expats?

Is India a cheap country to live in?

What is the quality of life in India for expats?

Tell Me More