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Updated on Jan 23, 2025 5 min read
Health insurance for NRIs is medical insurance designed for Indians living outside the country. This plan suits NRIs travelling to India for short or long durations. NRI health insurance covers medical costs during their stay in India.
It is important to note that NRI health policy is not applicable once you travel outside India. Let us explore the benefits of NRI mediclaim in India.
Looking for the best NRI health insurance in India? Connect with our insurance experts for a personalized 30-minute call. Find out more details about travel-friendly health insurance plans for NRIs and other important information: all under one roof.
NRI Health Insurance Plan | Sum Insured | Why We Like It? |
---|---|---|
ManipalCigna Lifetime Health Global | 50 L to 3 Cr | No capping on room rent for global hospitalization |
Aditya Birla Global Health Secure | 3 and 6 Cr | 16 major illnesses covered up to the sum insured |
Niva Bupa Aspire | 3 L to 1 Cr | Get treatment anywhere in the world, up to the sum insured with various co-pay options or no co-pay |
Niva Bupa Premia | 1 Cr | Maternity cover worldwide up to 2 L |
Yes, health insurance for NRIs is designed for Non-resident Indian individuals and their families. It is essential for NRIs who visit India every couple of years. Health insurance for NRIs helps cover preventive medical costs like annual check-ups, along with unforeseen medical expenses.
For those planning to move back to India after a couple of years, health insurance for NRIs is highly recommended. Why? For starters, if there are any waiting periods attached to your policy in India it will lapse. Secondly, you will not have the stress of investing in a mediclaim policy amongst other important relocating decisions.
Foreign Exchange Management Act (FEMA) has set some regulations for issuing NRIs with health insurance. Let us check them out:
Here are some benefits you can avail with NRI health insurance in India:
If you have your parents, children or family staying in India, who are financially dependent upon you, then in such scenarios, you can opt for a family floater insurance plan. In this way, you can cover your dependent family and by the time you return to India many diseases’ waiting periods will be ended.
However, if you want to stay overseas for more than 4 to 5 years, purchasing an insurance policy in India is not the best option; instead, consider purchasing one in the nation where you will be residing.
If you often go to India for business or work-related purposes you should get health insurance coverage in India. In the event of an emergency, your health insurance plan will cover you, and you don’t have to worry about the treatment costs.
Health Insurance companies stay cautious while offering health insurance policies to NRIs, and even have different claim standards. Therefore, take a thorough understanding of your policy before buying a policy.
Buying Health Insurance in India is a simple process, but may vary from insurer to insurer. Below mentioned is a process which you need to follow in order to buy Health Insurance for NRIs.
Step 1: Choose your ideal Health Insurance company and get in touch with the insurer.
Step 2: Understand their terms & conditions, inclusions, exclusions and eligibility criteria.
Step 3: Submit the required documents such as Passport number, Permanent Account Number (PAN) details, etc.
Step 4: Undergo medical tests required (if any) by the insurer.
Step 5: Pay the premium that is applicable to your policy.
Step 6: Once the payment is confirmed, you will receive the policy details on your registered email address.
While NRI health insurance offers numerous benefits, certain terms and conditions are attached to the same.
For NRIs, it is important to invest in health policy for NRIs in India. While you may be covered by a health policy in your country of residence, it might not provide you with adequate coverage in India. To avail versatile NRI health insurance coverage for OPD/IPD care, emergency services, operational costs, and more speak to our experts and schedule a personal consultation.
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Yes, if you are an NRI, you can purchase health insurance for NRIs as per the terms and conditions applied by the insurance provider.
As an NRI, you are eligible to purchase any health insurance plans available in India. You can cover yourself, and your family members with NRI health insurance. However, make sure to understand the terms and conditions before purchasing an NRI health insurance.
Yes, you can purchase NRI health insurance in India even if you are covered by a foreign health insurer.
Yes, NRIs can opt to purchase an individual health plan or senior citizen health insurance in case they have elderly parents over the age of 60 years.
No, you can not save tax in your country of residence if you purchase NRI health insurance in India. However, you can save tax on NRI health insurance in India if filing an ITR.
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Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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