Save tax up to ₹75,000~ u/s 80D
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Save tax up to ₹75,000~ u/s 80D
As an NRI, safeguarding your family’s health in India becomes a priority. So that, even when you're away from home, your loved ones stay protected against any medical emergency that knocks on their doors. Even if you’re seeking medical coverage in India during your visits, an NRI health insurance plan ensures access to quality healthcare without any financial burden.
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Yes, Non-resident Indians are eligible to purchase health insurance in India for themselves and their families, if they have valid proof of their Non-resident status and Indian citizenship.
However, their coverage will be limited to the geographical borders of India. Any expenses incurred outside India will not be covered under NRI health insurance unless it's mentioned in the policy terms and conditions.
NRI Health Insurance typically offers healthcare coverage for NRIs, Overseas Citizens of India (OCIs) and Persons of Indian Origin (PIOs).
It is a plan specifically designed for NRIs (who have spent at least 182 days per year in a foreign country), who periodically visit India and may need reliable medical coverage during their stay.
Additionally, NRIs looking to secure medical coverage for their family residing in India can also opt for customised family floater plans.
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According to the latest FEMA regulations on issuing medical insurance for NRIs in India, the claim amount payable under the policy can be in Indian rupees if the proposer has paid the premium for the policy in Indian rupees.
Additionally, in case of reimbursement, the approved amount can be credited either to the NRI's foreign bank account or the Resident Foreign Currency (RFC) a
ccount operated by an authorised Indian bank.
NRI health insurance is usually ideal for:
NRI Health Insurance works similarly to regular health insurance but with added provisions for NRIs:
NRIs, PIOS and OCIs can purchase health insurance from Indian insurers for themselves and their families residing in India. In most cases, the NRI must be insured under the policy to be eligible for certain benefits, such as a premium discount.
Insurance for NRIs in India usually offers coverage for hospitalisation, surgeries and daycare treatments incurred in India.
Premiums can be paid in Indian rupees through international debit/credit cards. Paying a premium would also qualify NRIs for receiving tax benefits in India under Section 80D if the proposer has taxable income.
Here are the primary features that medical insurance for NRIs in India by Care Health Insurance includes;
This feature enables NRIs and their family members to receive cashless treatment at any of the insurer’s network hospitals. There would be no need for upfront payments, as the insurer would directly settle the bill with the hospital.
All expenses incurred before hospitalisation, including consultation and diagnostic tests, as well as after hospital discharge, such as follow-up visits, are covered under the NRI health insurance policy up to a pre-specified period.
Medical procedures such as dialysis and cataract surgeries, that don’t require 24-hour hospitalisation, will be covered.
Some of the most useful add-ons to our NRI health insurance include instant coverage, annual health check-ups, money-back benefit, loyalty boost, tenure multiplier, and more.
In addition to KYC documents, below is the list of documents required for purchasing NRI health insurance in India :
Note: The documents above are required to prove your stay out of India as a Non-resident Indian.
While looking for NRI health insurance in India, here are the types of plans you can consider:
Before purchasing NRI health insurance in India, here are a few things that you should keep in mind:
Ensure that your insurer has a vast network of hospitals to avail cashless treatment, especially in the city where your family resides.
Review the waiting periods and policy terms and conditions related to pre-existing illnesses beforehand to avoid any surprises during the claim settlement process.
The treatment costs in India and abroad vary significantly. Therefore, ensure that you choose a coverage amount that realistically matches treatment costs in India.
Choose an NRI health insurance that offers lifetime renewability to avoid coverage gaps in later years.
This indicates the percentage of claims an insurer has successfully settled, compared to the total claims received in a year. A high CSR is an insurer’s efficiency and reliability in honouring claims.
Before finalising the policy purchase, carefully read about the exclusions and waiting periods for certain benefits.
Yes, NRIs can save tax on health insurance purchased in India under Section 80D of the Income Tax Act. They can claim a tax deduction of up to ₹25,000 per financial year for premiums paid towards health insurance for themselves, their spouse and dependent children. Moreover, if an NRI pays health insurance premiums for their parents who are senior citizens, they are eligible to claim an additional deduction of ₹50,000.
Note: To be eligible for deductions under Section 80D, all premiums must be paid through banking channels, such as credit cards, debit cards, net banking, or electronic transfers.
Buying NRI Health Insurance in India is a simple process that involves the following steps:
Check health insurance policies specifically designed for NRIs. Compare their coverage, network hospitals, premium costs and waiting periods.
Select insurers with a vast hospital network in India, preferably those with a good claim settlement history. This ensures that you and your loved ones receive cashless treatments and also don’t have to worry about claim settlements.
Fill out the policy application form and submit the relevant documents
At Care Health Insurance, we offer a 15% premium discount on purchasing and renewing NRI health insurance. If you plan to buy a policy for your parents residing in India, you will be required to be covered under the same policy to avail the discount.
My appreciation for your prompt service
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Health Insurance
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Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Vaibhav Rai
Health Insurance
Care Health Insurance offers reliable health insurance for NRIs in India. It provides comprehensive coverage for hospitalisation, surgeries and daycare treatments. Besides this, it comes with useful add-ons such as instant cover, annual health checkup, etc.
Not necessarily. Most insurers, including Care Health Insurance, allow NRIs to buy health insurance online from the convenience of their home.
NRIs can file claims incurred within India online by uploading medical bills, reports and the required documents on the insurer’s portal and can also track their claim status from anywhere.
A higher claim settlement ratio indicates the insurer’s reliability in settling claims, which helps NRIs choose a trustworthy insurance provider for themselves and their families.
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Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply.
^^Number of Cashless Healthcare Providers as of Feb 2025.
**Number of Claims Settled as of 31st March 2024.
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