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Health Insurance for NRI in Saudi Arabia

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Starting at @โ‚น10/day^

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๐Ÿ‡ญ๐Ÿ‡ท Croatia+385 HR
๐Ÿ‡จ๐Ÿ‡บ Cuba+53 CU
๐Ÿ‡จ๐Ÿ‡ผ Curaรงao+599 CW
๐Ÿ‡จ๐Ÿ‡พ Cyprus+357 CY
๐Ÿ‡จ๐Ÿ‡ฟ Czech Republic (Czechia)+420 CZ
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๐Ÿ‡ฒ๐Ÿ‡ฑ Mali+223 ML
๐Ÿ‡ฒ๐Ÿ‡น Malta+356 MT
๐Ÿ‡ฒ๐Ÿ‡ญ Marshall Islands+692 MH
๐Ÿ‡ฒ๐Ÿ‡ท Mauritania+222 MR
๐Ÿ‡ฒ๐Ÿ‡บ Mauritius+230 MU
๐Ÿ‡พ๐Ÿ‡น Mayotte+262 YT
๐Ÿ‡ฒ๐Ÿ‡ฝ Mexico+52 MX
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๐Ÿ‡ฒ๐Ÿ‡ฆ Morocco+212 MA
๐Ÿ‡ฒ๐Ÿ‡ฟ Mozambique+258 MZ
๐Ÿ‡ฒ๐Ÿ‡ฒ Myanmar+95 MM
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๐Ÿ‡ณ๐Ÿ‡ฌ Nigeria+234 NG
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๐Ÿ‡ฒ๐Ÿ‡ต Northern Mariana Islands+1670 MP
๐Ÿ‡ฐ๐Ÿ‡ต North Korea+850 KP
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๐Ÿ‡ณ๐Ÿ‡ด Norway+47 NO
๐Ÿ‡ด๐Ÿ‡ฒ Oman+968 OM
๐Ÿ‡ต๐Ÿ‡ฐ Pakistan+92 PK
๐Ÿ‡ต๐Ÿ‡ผ Palau+680 PW
๐Ÿ‡ต๐Ÿ‡ฆ Panama+507 PA
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๐Ÿ‡ท๐Ÿ‡ด Romania+40 RO
๐Ÿ‡ท๐Ÿ‡บ Russia+7 RU
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Can NRIs Living in Saudi Arabia Buy Health Insurance in India?

Yes, NRIs living in Saudi Arabia can buy health insurance in India for themselves and their eligible family members. Whether you travel to India frequently, have parents or dependents living there, or plan to return in the future, NRI health insurance can help you stay financially prepared for unexpected medical expenses.

You can buy NRI health insurance online in India from Saudi Arabia, subject to insurer criteria and policy terms. During application and KYC, you may need to submit documents verifying your NRI status, identity, address, citizenship, and other details. Eligibility, documentation, coverage, and terms vary by plan, so review policy details carefully before purchasing health insurance for NRIs in Saudi Arabia.

Select from the Best Health Insurance Plan for NRIs in Saudi Arabia

Care Health Insurance provides comprehensive plans for NRIs in India with extensive benefits and competitive premiums, protecting you and your family from unexpected medical costs. Explore top NRI options below.

  • Ultimate Care
  • Ultimate Care Senior
  • Care Advantage
  • Ultimate Joy
Ultimate Care Health Insurance

India’s 1st Policy with Premium Cash back

  • Get rewarded every 5 claim-free years with he exclusive Premium Payback feature.
  • Enjoy a 100% increase in coverage with continuous policy renewals.
  • Coverage doubles after seven consecutive claim-free years.
  • Tenure multiplier for one big claim up to the limit of the remaining SI.
  • Sum Insured: โ‚น7 lakh
  • Starting At โ‚น10/day1

Why Do NRIs Living in Saudi Arabia Need Health Insurance in India?

Although Saudi Arabia provides access to quality healthcare, NRIs living in Saudi Arabia might find it beneficial to have health insurance in India if they often visit India, have family members here, or plan to return. The best health insurance for NRIs can help cover medical costs in India. Key reasons to consider buying health insurance in India include:

Manage Healthcare Expenses in India

Medical treatment and hospitalisation costs can strain your savings. An NRI health insurance plan in India offers financial protection for eligible medical expenses and provides access to healthcare coverage with premiums tailored to your needs and budget.

Higher Coverage for Medical Emergencies

A major illness or sudden hospitalisation can lead to high medical costs. Select from various sum insured options to suit your healthcare needs. Certain Care Health Insurance plans might also provide Unlimited Sum Insured, depending on the policy terms, conditions, and eligibility.

Protect Your Family Living in India

If your family members, such as parents, spouse, or children, live in India, buying health insurance can help them access quality medical care without depleting your savings in the event of an unexpected hospital stay.

Stay Covered During Visits to India

If you frequently travel from Saudi Arabia to India for holidays, work, family events, or long stays, buying health insurance in India can help cover eligible medical expenses during your stay, according to the policy's terms.

Coverage That Fits Your Family's Needs

Whether you require coverage for yourself, your family, or ageing parents in India, you may consider individual health insurance, family floater plans, and senior citizen health insurance in accordance with your healthcare needs and financial capacity.

Note: Benefits, coverage options, sum insured limits, and other terms vary by policy. Please review the relevant policy documents and terms before purchasing.

Who Can Buy an NRI Health Insurance Plan in Saudi Arabia?

This health insurance plan may be suitable if you are:

  1. An NRI living in Saudi Arabia looking to buy health insurance in India, subject to applicable eligibility criteria, underwriting guidelines, and FEMA regulations.
  2. An NRI with parents or family members in India who wants to help protect their healthcare needs with suitable health insurance coverage, subject to plan eligibility.
  3. A frequent traveller from Saudi Arabia to India seeking financial protection against unexpected medical expenses during their stay.
  4. Planning to return to India in the future and looking to secure health insurance coverage for their long-term healthcare needs.
  5. An OCI or eligible PIO living in Saudi Arabia seeking health insurance coverage in India, subject to the eligibility criteria and terms of the selected policy.

Note: Eligibility, documentation, underwriting, coverage, and policy issuance are subject to the insurer's guidelines, the selected health insurance plan, and applicable policy terms and conditions.

Why Stop at Crores When You Can Go Unlimited?

Choose Our Ultimate Care Plan with Unlimited Sum Insured for stronger health protection in India.

Who Can Be Covered Under a Health Insurance Plan for NRIs in Saudi Arabia?

Living in Saudi Arabia doesn't mean you have to compromise on your family's healthcare needs in India. Whether you're looking for coverage for yourself during your visits to India or want to ensure your loved ones back home are covered, health insurance options for NRIs are flexible and tailored to your family's needs.

Who Can Be Covered? Ideal For
Self NRIs living in Saudi Arabia can choose an individual health insurance plan that covers eligible medical expenses during trips to India or after permanently relocating to India.
Spouse & Dependent Children A family floater plan can cover your spouse and dependent children under a single policy, making family healthcare easier to manage for NRIs living in Saudi Arabia.
Parents NRIs can choose an appropriate health insurance plan in India for their parents to ensure they receive quality healthcare and are protected against unforeseen hospital expenses.

Note: Eligibility criteria such as family members, entry age, relationship requirements, coverage, and other conditions depend on the selected health insurance plan and the applicable policy terms.

Key Benefits of Buying Health Insurance for NRIs Living in Saudi Arabia

Wherever life leads you, maintaining access to quality healthcare in India is important. With top medical insurance in India for NRIs, you can safeguard yourself and your loved ones from unexpected medical costs. Here are some key benefits of these plans:

Affordable Health Protection

Get comprehensive health insurance for NRIs at affordable premiums and stay financially protected during medical emergencies in India.

Protection for Your Loved Ones

Make sure your loved ones in India have the best health insurance coverage, whether it's for your spouse, children, or parents, with tailored individual or family floater plans.

Cashless Hospitalisation

Access quality treatment at our network hospitals nationwide with cashless hospitalisation for eligible claims, subject to policy terms.

Comprehensive Medical Cover

Stay protected against eligible hospitalisation and medical expenses arising from illnesses, injuries, and other covered treatments in India.

Easy Online Policy Management

Buy, renew, port, and manage your health insurance online from Saudi Arabia through a convenient digital process.

Future-Ready Healthcare

Buy health insurance while living in Saudi Arabia, complete your 24-36-month waiting periods while you're abroad, so you're better prepared when you return to India.

Tax Benefits, Where Applicable

If you have taxable income in India (such as rental income, capital gains, or interest from NRO fixed deposits) and opt for the old tax regime, eligible health insurance premiums may qualify for a deduction under Section 80D of the Income-tax Act, subject to applicable tax laws. Consult a tax adviser to determine your eligibility.

How Does Health Insurance Work for NRIs Living in Saudi Arabia?

Buying NRI health insurance in India while living in Saudi Arabia is simple and can be completed online. Here’s how the process works:

  1. Choose a Suitable Plan: Compare health insurance plans for NRIs based on coverage, sum insured, benefits, and premiums to find one that suits your healthcare needs in India.
  2. Apply & Submit Documents: Fill out the online form and submit the necessary KYC documents, including your passport, visa, proof of identity, and any other requested information.
  3. Underwriting & Approval: The insurer requires your application and medical history. Based on your age, health profile, and chosen plan, you might need a medical exam or teleconsultation.
  4. Pay & Get Insured: After approval, make the premium payment using an accepted method. Your policy is issued digitally, subject to KYC verification, underwriting, and policy terms.

How Does Health Insurance Work for NRIs Living in Saudi Arabia?

Buying NRI health insurance in India while living in Saudi Arabia is simple and can be completed online. Here’s how the process works:

  1. Choose a Suitable Plan: Compare health insurance plans for NRIs based on coverage, sum insured, benefits, and premiums to find one that suits your healthcare needs in India.
  2. Apply & Submit Documents: Fill out the online form and submit the necessary KYC documents, including your passport, visa, proof of identity, and any other requested information.
  3. Underwriting & Approval: The insurer requires your application and medical history. Based on your age, health profile, and chosen plan, you might need a medical exam or teleconsultation.
  4. Pay & Get Insured: After approval, make the premium payment using an accepted method. Your policy is issued digitally, subject to KYC verification, underwriting, and policy terms.

Types of Health Insurance Plans for NRIs Living in Saudi Arabia

Choosing the right Health insurance for NRIs in Saudi Arabia depends on their healthcare needs, family circumstances, and financial objectives. Some of the top choices include:

What is Covered and Not Covered Under Health Insurance for NRIs in Saudi Arabia?

  • Covered
  • Not-Covered

When buying health insurance in India for NRIs living in Saudi Arabia, understanding what your policy covers and what it doesn’t can help you make an informed choice. Here’s a quick overview of the key inclusions and exclusions under Care Health Insurance plans.

In-Patient Hospitalisation

Covers eligible hospitalisation expenses arising from illness or accidental injuries.

Pre- & Post-Hospitalisation

Covers eligible consultations, diagnostic tests, medicines, and other medical expenses both before and after hospitalisation.

Day Care Treatments

Covers procedures that require less than 24 hours of hospitalisation due to medical advancements.

AYUSH Treatment

Covers treatment under recognised AYUSH systems, including Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy.

Domiciliary Hospitalisation

Covers eligible treatment received at home when hospitalisation is medically necessary, as per policy terms.

Ambulance Cover

Covers eligible ambulance expenses for transport to a hospital, up to the applicable policy limits.

Annual Health Check-up

Take charge of your health by scheduling regular preventive check-ups, which are included in your plan.

Unlimited E-Consultations

Connect online with qualified general physicians and specialists during the policy year, as per your plan terms.

Wellness Benefits

Earn up to a 30% discount on renewal premiums by achieving the prescribed Healthy Days targets, subject to policy terms.

Pregnancy & Childbirth

Pregnancy and childbirth costs are not covered unless explicitly included in the chosen plan or benefit.

Self-Inflicted Injuries

Expenses arising from intentional self-inflicted injuries are not covered, subject to the policy wording.

Cosmetic Treatments

Treatments mainly performed for cosmetic or aesthetic reasons are usually not included, unless they are covered.

Gender Change Treatments

Expenses for gender reassignment or change-of-gender procedures are not covered, as outlined in the policy.

War & Related Events

Expenses caused by war, invasion, civil unrest, or nuclear-related incidents are excluded according to policy terms.

Dental Treatment

Routine or scheduled dental care is usually not covered unless mentioned as included in the policy.

High Coverage With Less Premium!

If you are buying health insurance in India for NRIs, you can enjoy up to a 15% discount on eligible plans.

Add-ons That Enhance Your Health Insurance in India for Saudi Arabia-Based NRIs

Enhance your health protection in India with some smart add-ons and benefits that make your coverage even better. For NRIs in Saudi Arabia, here are a few of the add-on benefits you can enjoy:

  1. Premium Payback: Receive a refund of your initial year's base premium after 5 claim-free years, in accordance with policy terms.
  2. Parent Accommodation: Get eligible accommodation expenses if your insured child under 12 is hospitalised for 3 days or more, in accordance with policy terms.
  3. PED Wait Period Modification: Reduce the applicable pre-existing disease (PED) waiting period from 3 years to 1 or 2 years, depending on the selected option and policy terms.
  4. Unlimited Care: Get one BIG claim for eligible hospitalisation beyond your basic plan, subject to the relevant terms and conditions.
  5. Claim Shield: Get coverage for the non-payable items specified in Annexure I (Lists I, II, III & IV), subject to the policy terms.
  6. Early Renewal Discount: Renew your policy 31โ€“60 days before the due date to save on your renewal premium.
  7. Instant Cover: Reduce the waiting period to 30 days for specified conditions, including Asthma, Hypertension, Hyperlipidemia, and Diabetes, subject to eligibility and policy terms.

How Much Sum Insured Should an NRI Living in Saudi Arabia Choose?

The right sum insured for your health insurance as an NRI depends on your age, health profile, family members covered, and expected healthcare needs in India. Choosing suitable coverage helps protect your savings from hospitalisation and rising treatment costs.

โ‚น5 Lakh to โ‚น20 Lakh

An ideal option for young NRIs, individuals, and small families seeking basic financial coverage for eligible hospitalisation and treatment costs in India.

โ‚น25 Lakh to โ‚น1 Crore

Ideal for NRIs who want enhanced coverage for high medical costs, such as surgeries, extended hospital stays, critical illnesses, or healthcare for family members in India.

Unlimited Sum Insured

Certain plans offer NRIs an Unlimited Sum Insured for eligible hospitalisation costs when they require coverage beyond a fixed limit, subject to policy terms and conditions.

Tip: Think about your family's medical history, healthcare expenses in your chosen Indian city, and your future plans to return to India when selecting your sum insured.

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๐Ÿ‡ฆ๐Ÿ‡ซ Afghanistan+93 AF
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๐Ÿ‡ฉ๐Ÿ‡ฟ Algeria+213 DZ
๐Ÿ‡ฆ๐Ÿ‡ธ American Samoa+1684 AS
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๐Ÿ‡ช๐Ÿ‡ช Estonia+372 EE
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๐Ÿ‡ช๐Ÿ‡น Ethiopia+251 ET
๐Ÿ‡ซ๐Ÿ‡ด Faeroe Islands+298 FO
๐Ÿ‡ซ๐Ÿ‡ฐ Falkland Islands+500 FK
๐Ÿ‡ซ๐Ÿ‡ฏ Fiji+679 FJ
๐Ÿ‡ซ๐Ÿ‡ฎ Finland+358 FI
๐Ÿ‡ซ๐Ÿ‡ท France+33 FR
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๐Ÿ‡ฌ๐Ÿ‡ฒ Gambia+220 GM
๐Ÿ‡ฌ๐Ÿ‡ช Georgia+995 GE
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๐Ÿ‡ฌ๐Ÿ‡ญ Ghana+233 GH
๐Ÿ‡ฌ๐Ÿ‡ฎ Gibraltar+350 GI
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๐Ÿ‡ฌ๐Ÿ‡บ Guam+1671 GU
๐Ÿ‡ฌ๐Ÿ‡น Guatemala+502 GT
๐Ÿ‡ฌ๐Ÿ‡ณ Guinea+224 GN
๐Ÿ‡ฌ๐Ÿ‡ผ Guinea-Bissau+245 GW
๐Ÿ‡ฌ๐Ÿ‡พ Guyana+592 GY
๐Ÿ‡ญ๐Ÿ‡น Haiti+509 HT
๐Ÿ‡ป๐Ÿ‡ฆ Holy See+379 VA
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๐Ÿ‡ญ๐Ÿ‡ฐ Hong Kong+852 HK
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๐Ÿ‡ฏ๐Ÿ‡ฒ Jamaica+1876 JM
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๐Ÿ‡ฐ๐Ÿ‡ฟ Kazakhstan+7 KZ
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๐Ÿ‡ฒ๐Ÿ‡ช Montenegro+382 ME
๐Ÿ‡ฒ๐Ÿ‡ธ Montserrat+1664 MS
๐Ÿ‡ฒ๐Ÿ‡ฆ Morocco+212 MA
๐Ÿ‡ฒ๐Ÿ‡ฟ Mozambique+258 MZ
๐Ÿ‡ฒ๐Ÿ‡ฒ Myanmar+95 MM
๐Ÿ‡ณ๐Ÿ‡ฆ Namibia+264 NA
๐Ÿ‡ณ๐Ÿ‡ท Nauru+674 NR
๐Ÿ‡ณ๐Ÿ‡ต Nepal+977 NP
๐Ÿ‡ณ๐Ÿ‡ฑ Netherlands+31 NL
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๐Ÿ‡ณ๐Ÿ‡ฎ Nicaragua+505 NI
๐Ÿ‡ณ๐Ÿ‡ช Niger+227 NE
๐Ÿ‡ณ๐Ÿ‡ฌ Nigeria+234 NG
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๐Ÿ‡ฒ๐Ÿ‡ต Northern Mariana Islands+1670 MP
๐Ÿ‡ฐ๐Ÿ‡ต North Korea+850 KP
๐Ÿ‡ฒ๐Ÿ‡ฐ North Macedonia+389 MK
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