Updated on 9 September 2026 ·
source checked daily
India — official level as of 9 September 2026: Level 2/4 ("Exercise Increased Caution"), from the U.S. Department of State. Maximum Insurance covers this country: hospital settled directly, unlimited repatriation, CHF 1.5M, certificate on payment.
Four official readings
United StatesState Departmentsource ↗Our reference level — the one shown across this site
Is the whole country advised against?Nono restriction on the whole country
Level 2/4 — “Exercise Increased Caution”levels 1 and 2 are advice to be careful, not travel restrictions
FranceFrance Diplomatiesource ↗Added on top of the U.S. level, under its own rules: red or orange AREAS
Is the whole country advised against?Nono restriction on the whole country+ red areas
our reading: some areas are classified red (formally advised against)
United KingdomFCDOsource ↗Added on top of the U.S. level, under its own rules: travel statuses
Is the whole country advised against?Nono restriction on the whole country+ parts of the country
our reading: all travel advised against to parts of the country
source reviewed 9 July 2026
SwitzerlandFDFAsource ↗Advisory cited by the Maximum policy
Is the whole country advised against?Nono restriction on the whole country+ parts of the country
our reading: Switzerland’s FDFA advises against travel to certain regions
advice published 03.06.2026
The four readings on record agree: no restriction on the whole country — France still flags red areas; the United Kingdom still flags parts of the country; Switzerland still flags parts of the country.Our comparison reading: 22 August 2026
Every country has its own scale, so we ask them all the same question: is the whole country advised against?
An advisory covering only areas of the country does not raise the answer: it stays “No”, and the area is shown in the relevant column.
The level shown on this page — and across this site — is the one published by the U.S. State Department, from 1 (normal precautions) to 4 (do not travel). France and the United Kingdom publish their own advisories, with their own rules: they add to that level, they do not replace it.
51 recorded incidents (UCDP)hover, click to open it in the briefing
Level 2/4 — Exercise Increased Caution
Checked on 9 September 2026 · U.S. State Department
Observed repatriation
45 000 € – 120 000 €
Country briefing
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The comparator
What is your current insurance?
The verdict
No area exclusion at this level — but three written limits: deductible and prior approval, 90-day cap, advance under conditions.
Exact wording (official French text): « Des Voyages vers des pays où Votre gouvernement a conseillé de ne pas voyager » — general exclusion n° 11, applying to ALL travel covers.
Travelling only once? Below three trips a year, this contract is probably not for you.
Where, exactly?
What the national level does not tell you
The level is national. Risk areas are in the state advisories below.
U.S. State Department — the full advisory details the regions concerned and the reasons (crime, terrorism, kidnapping, civil unrest)
(read the advisory)
Foreign, Commonwealth & Development Office (United Kingdom) — the United Kingdom advises against all travel to PARTS of the country · reviewed 9 July 2026 Last announced change : « New information about Electronic Overseas Citizen of India Card (e-OCI) and additional information about Ebola health screening and a mandatory Self-Declaration Form for all international passengers arriving in India ('Entry requirements' » (read the advisory)
France Diplomatie — France classifies SOME AREAS of the country as red (travel formally advised against) — the advisory is geographic, check it for your exact destination (read the Security advisory)
No major event in progress is located in this country at this morning's check.
What happened, and where
Over 1 January 2026 → 30 June 2026, UCDP (Uppsala University) recorded 51 geolocated violent incidents in this country, for 136 documented deaths.
Most affected areas Chhattisgarh state 10 · Jammu and Kashmir state 10 · Jharkhand state 6 · Punjab state 6 · Manipur state 6 · West Bengal state 4
Most recent incidents
16 June 2026 · Manipur state · Songkong village, Henglep subdivision Suspected militant killed in ‘encounter’ in Manipur's Churachandpur;Security Forces Intensify Search Operation in Manipur: DGP Lauded For Personally
S · 1 death(range 0–1)Source: Press Trust of India;Deccan Chronicle;SATP;International Cri · 17 June 2026 · The Sangai Express, Police, BJP MLA from Henglep Letzamang Haokip · UCDP #633602 ↗
8 June 2026 · Manipur state · Kangpokpi district Manipur (Insurgency North East): Timeline (Terrorist Activities)-2026: June;Naga villager killed in fresh gun violence in Manipur · 1 deathSource: SATP;Nagaland Post · 25 June 2026 · Local sources, India TodayNE (SATP), Naga organizations · UCDP #633593 ↗
1 June 2026 · Punjab state · Firozpur city Punjab: Timeline (Terrorist Activities)-2026 : June · 1 deathSource: SATP · 25 June 2026 · SATP, members of the Lawrence Bishnoi gang · UCDP #633611 ↗
12 May 2026 · Jammu and Kashmir state · Mankote village Army foils infiltration bid along LoC in Poonch, intruder killed;J-K: Search operation launched in Poonch after foiled infiltration bid;Jammu & Kashmi · 1 deathSource: Press Trust of India;Press Trust of India;South Asia Terrori · 12 May 2026 · SAPT, Indian army · UCDP #630303 ↗
11 May 2026 · Arunachal Pradesh state · Miao village Two NSCN cadres killed in gunfight with Assam Rifles in Arunachal's Changlang;Arunachal Pradesh (Insurgency North East): Timeline (Terrorist Activitie · 2 deathsSource: Press Trust of India;South Asia Terrorism Portal · 12 May 2026 · police, SAPT · UCDP #630307 ↗
5 May 2026 · West Bengal state · Birbhum district TMC alleges worker killed in post-poll violence, many offices vandalised; BJP denies involvement;BJP MLAs visit Trinamool offices, three die in post-p · 1 deathSource: Press Trust of India;The Telegraph;The Telegraph;The Telegra · 5 May 2026 · Police, TMC & BJP representatives · UCDP #630984 ↗
Source: UCDP Georeferenced Event Dataset (Uppsala Conflict Data Program), file GEDEvent_v26_01_26_06.csv, CC BY 4.0 licence. We keep only incidents UCDP codes as "Clear" and whose location is precise enough to be placed — about 58% of the dataset. An incident may be revised, moved or withdrawn by UCDP in a later release: these figures describe a closed period, not a live situation.
What we do locate on the map are events in progress — earthquakes and disasters reported by USGS and GDACS (UN / European Commission), which do have real coordinates. Hover a dot for details, click to open it in this briefing.
What is happening in India right now
Live alerts and level changes, each with its official source. Continuously updated.
No level change recorded for this country since the log opened. The live alerts above are updated continuously.
You opened this page from Mumbai. The network below is that city's, not New Delhi (the capital). The advisory level remains national. What public sources give around Mumbai: hospitals and clinics, nearest evacuation airport. In an emergency, one reflex: +41 22 ••• •• ••.
The closest to the city centre is Kurla Nursing Room, 0.3 km away. A medical evacuation would depart from Chhatrapati Shivaji Maharaj International Airport (BOM), 2.8 km from Mumbai.
🏥 Medical network — Mumbai
Kurla Nursing Roomemergency department0.3 km from the centre of Mumbai
arpan nursing homeemergency department0.6 km from the centre of Mumbai
v care hospital intensive& unit careemergency department1.0 km from the centre of Mumbai
arayan hospitalemergency department1.0 km from the centre of Mumbai
Kurla Municipal Hospitalemergency department1.0 km from the centre of Mumbai
Sushila Hospital-Icu and Maternityemergency department1.1 km from the centre of Mumbai
V Care Hospital and Icuemergency department1.1 km from the centre of Mumbai
Aryan Hospital and Iccu - Kurla-Mumbaiemergency department1.1 km from the centre of Mumbai
✈️ Chhatrapati Shivaji Maharaj International AirportBOM2.8 kmNearest evacuation airport from Mumbai — unlimited medical evacuation and repatriation included.
💱 Currency: INR ₹ · 🗣 Language: English, Hindi In an emergency from Mumbai, your reflex remains +41 22 ••• •• •• — Full number in your client area.
None of these facilities is a Maximum Insurance “partner”, and none is presented as waiving upfront payment: this list is a reading of public map data, nothing more. A direct payment guarantee is arranged CASE BY CASE by our assistance desk, facility by facility and when the need arises — one number, +41 22 ••• •• ••.
Frequently asked questions — travel insurance India
What is the official risk level in India today?
Level 2/4 ("Exercise Increased Caution") according to the U.S. Department of State, retrieved on 9 September 2026. Maximum Insurance checks this official source every day.
What does Maximum Insurance do in India?
The Pack VIP ($990 for twelve months, unlimited trips) covers CHF 1.5M emergency medical expenses, unlimited evacuation and repatriation, the direct payment guarantee in hospital, and a nominative certificate in the format visa applications require, Schengen included. The Pack VIP Extreme adds crisis management & security and Kidnap & Ransom (subject to eligibility).
How much does a medical repatriation from India cost?
Observed costs range from 45 000 € to 120 000 € depending on severity and distance (CostGuide India, 2026). The Pack VIP covers evacuation and medical repatriation without cap, settled directly by the insurer.
Do I need an insurance certificate for a India visa?
Many consulates require proof of international medical cover before issuing a visa — Schengen included for non-European travellers. Maximum Insurance issues the official named certificate on payment, accepted for these procedures.
What should I do if hospitalised in India?
One reflex: call +41 22 ••• •• •• (24/7). Within our worldwide medical network — 45,000 medical providers — the insurer sends its direct payment guarantee: the hospital is settled directly, no deposit advanced by the traveller.
Is an Amex, Visa or Mastercard enough in India?
These are travel-insurance options, with a public notice. At level 4/4 (Do Not Travel), several notices rule the trip out (Amex, exclusion no. 11; Mastercard Fortuneo, art. 5.5). Below that, the area exclusion generally does not apply — 90 days max, reimbursement afterwards, no visa certificate remain. The VIP Pack runs 12 months, pays the hospital, and issues the certificate on payment.
Are a health plan or a travel policy enough in India?
A health plan treats you at home: the hospital here asks for a guarantee before admission. A travel policy has its own terms — often a territorial clause at level 4/4, and 90 days. Without the document (IPID number or PDF), we cannot say. Ask a Maximum Insurance expert to call you back.
Travelling to New Delhi, Bombay, Mumbai, Bangalore: what changes
The published advisory level is national, but risk is not: business hubs (New Delhi, Bombay, Mumbai, Bangalore) do not share the profile of border areas. The medical network shown here is computed around Mumbai — the city you searched for — not around New Delhi, the capital. Before a specific trip, always cross-check your country of residence's advisory: that is what your policy cites.
The displayed level comes from the State Department, checked every morning. Before departure, always cross-check your country of residence's advisory: that is what your policy cites.
The level shown is the official U.S. Department of State level, checked daily. Maximum Insurance is an insurance distributor — general information, not personal advice.