Health Insurance for NRIs

• Non-Resident Indians (NRIs) with a valid passport and NRI status (generally residing outside India for more than 182 days in a financial year) and individuals in India who meet the insurer's eligibility criteria, underwriting standards, and FEMA regulations can purchase health insurance for eligible medical expenses.
• Overseas Citizens of India (OCIs) and eligible Persons of Indian Origin (PIOs) seeking health insurance cover in India, subject to the insurer's policy terms and conditions.

Note: Eligibility, entry age, documentation, underwriting criteria, and coverage details may vary by insurer, selected health insurance plan, and applicable policy terms and conditions.

1. Infinity Bonus: Get a 100% boost to your base sum insured with each renewal, regardless of claims, based on your chosen plan.
2. Premium Payback: Get a refund of your first-year base premium after completing five consecutive claim-free years, subject to the policy terms.
3. Annual Health Check-up: Stay proactive with cashless annual health check-ups for eligible insured members at network diagnostic centres, in line with the selected plan.
4. Parent Accommodation: Receive up to ₹10,000 towards accommodation expenses if an insured child under 12 is hospitalised for at least three consecutive days.
5. Unlimited Care: Available under the Ultimate Care plan, this benefit covers eligible hospitalisation expenses without an annual sum insured limit, subject to the policy terms and conditions.
6. Care OPD: Access 4 general physician consultations and 4 specialist consultations each policy year, subject to the applicable co-payment.

1. Explore and Choose Your Plan: Visit the Care Health Insurance website to explore plans and choose the best individual or family health insurance for your needs.
2. Get an Instant Quote: Enter your mobile number, then click Get a Quote and continue to calculate the premium by filling in the necessary details.
3. Select the Insured Members: Choose to insure yourself, spouse, children, or parents. Provide details for an instant premium quote.
4. Review and Customise Your Plan: Compare plans and customise your policy by choosing tenure, sum insured, and add-ons.
5. Complete the Proposal Form: Fill in the online proposal form and upload needed documents: passport, visa/work permit (if applicable), proof of address, KYC documents, and medical details, including pre-existing conditions, as required by the insurer.
6. Pay the Premium: Once your proposal is approved, pay the premium via eligible methods per FEMA and regulations.
7. Receive Your Policy: Your health insurance policy will be issued digitally after successful payment and underwriting, subject to policy terms.

1. Choosing a Plan Only for a Low Premium: A lower premium might mean fewer benefits, reduced coverage, or higher personal costs.
   The Right Approach: Compare the coverage, benefits, waiting periods, and exclusions, rather than focusing only on the premium.
2. Not Disclosing Pre-existing Diseases: Providing incomplete or inaccurate medical details may result in claim denial or policy termination.
   The Right Approach: Provide your full medical history and details of pre-existing conditions when purchasing the policy.
3. Ignoring Waiting Periods: Neglecting the waiting periods for pre-existing conditions or specified illnesses can result in unforeseen claim rejections.
   The Right Approach: Review the relevant waiting periods and select the plan that most effectively meets your healthcare needs.
4. Overlooking Sub-limits and Co-payments: Sub-limits and co-payment clauses may raise your out-of-pocket costs during treatment.
   The Right Approach: Carefully review the policy wording to grasp benefit limits, room rent restrictions, and co-payment clauses.
5. Not Checking the Network Hospital List: Choosing a plan without checking its network hospitals could impact your cashless treatment experience.
   The Right Approach: Choose a policy that offers a large cashless hospital network close to your preferred location in India.

1. Fact-Checked: Sourced directly from official insurance and medical guidelines.
2. Expert-Approved: Reviewed by certified health insurance professionals before publishing.
3. Always Fresh: Regularly updated with live hospital lists, claim numbers, and Section 80D tax rules.
4. Simple Language: Clear, honest guidance you can trust with minimum jargons.