Health Insurance for NRIs in Bahrain

Avail eligible treatment at a vast network of hospitals across India, guaranteeing quality healthcare for you and your family whenever necessary.

Choose a medical insurance plan to protect your spouse, children, and dependent parents in India from rising healthcare costs.

Access eligible cashless treatment at network hospitals nationwide, reducing out-of-pocket costs for planned or emergency hospitalisations.

Whether you're visiting India for business, family, or an extended stay, a medical health insurance plan helps cover eligible medical expenses.

Complete the 24-month waiting period for specified treatments and the 36-month PED waiting period while abroad to ensure better coverage when you retire or relocate to India.

Choose a health insurance plan that supports your long-term healthcare needs if you move back to India, subject to plan and policy terms.

If you are an NRI with taxable income in India, such as rental income, capital gains, or interest from NRO fixed deposits and choose for the Old Tax Regime, you can claim a deduction under Section 80D of up to ₹25,000 for yourself, spouse, and dependent children, plus up to ₹25,000 for parents or ₹50,000 if they are senior citizens, subject to applicable tax laws. Also, Health insurance premiums paid via an NRE or NRO account qualify for Section 80D tax deductions in India, subject to eligibility.

Depending on the plan, enjoy features such as Unlimited Automatic Recharge, No Claim Bonus, annual health check-ups, wellness programmes, and optional add-ons.

Most Indian health insurance plans cover treatment only in India. For international coverage, see if your insurer offers global options or add-ons.

Choose a plan with an extensive cashless hospital network in India to access treatment without high upfront costs.

If you have pre-existing conditions or plan to return to India, buying a policy early can help you complete waiting periods before you need treatment, subject to the policy terms.

Based on your age, health status, and chosen plan, you might be required to complete medical underwriting or a pre-policy medical exam, which could be arranged during your visit to India.

Have your valid Indian passport, Bahrain CPR, other address proof, Indian address proof (if available), KYC documents, and medical records ready for a smoother application.

Premiums are usually paid in Indian Rupees via authorised banking channels, including eligible NRE or NRO accounts, in accordance with applicable FEMA regulations.

If you have taxable income in India and choose the applicable tax regime, you might qualify for tax deductions under Section 80D of the Income Tax Act, depending on current tax regulations.

Consider adding optional benefits like Super Top-Up Cover, OPD Coverage or reduced waiting period add-ons to improve your health insurance coverage according to your healthcare needs.