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Health Insurance for NRIs in the USA

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🇱🇹 Lithuania+370 LT
🇱🇺 Luxembourg+352 LU
🇲🇴 Macao+853 MO
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🇲🇼 Malawi+265 MW
🇲🇾 Malaysia+60 MY
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Written by:
Jagriti Chakraborty
Jagriti Chakraborty
Jagriti Chakraborty
Insurance Expert Care Health Insurance

Jagriti is a storyteller at heart and an insurance expert by profession. With 7+ years of content experience, she transforms complex insurance topics into engaging, easy-to-understand insights that empower readers to make informed choices. Motivated by curiosity and a passion for meaningful communication, her goal is to create content that simplifies decision-making and delivers lasting value.

Reviewed by:
Munmi Sharma
Munmi Sharma
Munmi Sharma
Insurance Expert at Care Health Insurance

Munmi is an editor cum writer with a passion for storytelling and keen eye for detail. With 10+years of experience in the digital marketing industry, her expertise in the marketing domain combines with experience and perfection in refining written content. When not crafting and editing a piece of content, she also loves to colour the canvas, explore new places and people, binge watching, cooking and playing badminton.

Updated on Updated on:
7 Sep 2026
Reviewed on Reviewed on:
7 Sep 2026

Can NRIs Living in the USA Buy Health Insurance in India?

Yes. NRIs residing in the USA can conveniently buy NRI health insurance in India for themselves or their eligible family members. Whether you regularly visit India, are looking for NRI parents' health insurance to protect your dependent ageing parents, or plan to return in the future, these plans help cover eligible medical expenses incurred in India, subject to the policy terms and conditions.

To purchase a policy, NRIs generally need to provide documents that establish their NRI status and Indian citizenship, along with valid identity, address, and KYC documents, as required by the insurer. The exact eligibility criteria, required documents, and policy terms can vary by insurer and plan.

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Why Do NRIs Living in the USA Need Health Insurance in India?

Rather than relying solely on your U.S. health insurance, having dedicated medical insurance for NRIs in India helps you stay financially protected during visits and ensures your loved ones back home have access to quality healthcare. Here are a few reasons why NRIs living in the USA should consider taking out health insurance in India:

Stay Financially Prepared

Medical emergencies can be expensive. In India, health insurance plans provide different sum-insured options, including some Care Health Insurance plans that offer an Unlimited Sum Insured, depending on the policy terms and eligibility.

Protect What Matters Most

If your dependents, such as a spouse or children, live in India, a health insurance plan can help protect them from rising healthcare costs and provide access to quality medical care in emergencies.

Travel India with Confidence

Whether you're in India for family, business, or a longer stay, a health insurance plan can help cover eligible medical costs during your visit, providing you with added financial peace of mind.

Choose Smarter Protection

Whether you need an individual policy, a family floater, or a senior citizen health insurance plan for ageing parents, choose coverage that fits your healthcare needs and budget.

Specialised Protection for Senior Citizens

If you're a senior NRI, specialised health insurance plans in India help you manage age-related health conditions with comprehensive coverage. These plans ensure access to quality healthcare whenever you visit or return to India.

Note: Senior Citizen Health Insurance Plans vary in waiting periods, underwriting, eligibility, and benefits. Buying early can help complete waiting periods for pre-existing conditions. Premiums can be paid through NRE or NRO accounts. If you have taxable income in India and select the relevant tax regime, you may get tax benefits under Section 80D of the Income Tax Act, subject to current laws.

Who is Eligible for an NRI Health Insurance Discount?

The following individuals are eligible for the NRI health insurance discount:

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

Who Can Be Covered Under a Health Insurance Plan for an NRI?

Living abroad shouldn't mean compromising your family's healthcare in India. A family health insurance policy for NRIs helps safeguard you and your loved ones by covering eligible medical expenses and reducing financial stress during emergencies.

Note: The members who can be covered, along with the entry age, relationship criteria, and coverage terms, vary by insurer and selected health insurance plan.

How Does Health Insurance for NRIs Living in the USA Work?

Purchasing medical insurance in India as an NRI is simple and can be done online. After your application is approved, you will receive coverage for eligible medical expenses in India in accordance with the policy's terms and conditions.

1. Compare & Choose a Plan

Compare NRI health insurance plans by coverage, sum insured, benefits, and premiums to choose the best fit for your healthcare needs in India.

2. Complete the Application & Submit Documents

Fill out the online proposal form and complete the KYC process by submitting the required documents, such as your passport, visa/work permit, proof of address, identity proof, and medical details, including any pre-existing conditions.

3. Underwriting & Medical Evaluation

The insurer reviews your application and supporting documents. Depending on your age, medical history, and the plan selected, you may need a teleconsultation or a medical examination.

4. Pay the Premium & Get Insured

Once your application is approved, pay the premium through the available payment methods in compliance with FEMA guidelines. Your policy will be issued digitally, subject to underwriting, KYC verification, and the applicable policy terms and conditions.

Geographic Scope: India-Only vs. Worldwide Coverage for NRIs Living in the USA

Coverage for an NRI living in the USA varies based on the chosen policy and its geographic limits. Key scenarios include:

Note: Certain policies, such as Ultimate Care and Ultimate Care Senior, offer India-only coverage. Under plans such as Care Advantage and Ultimate Joy, worldwide coverage is not available to the NRI policyholder; however, eligible dependents may avail worldwide coverage benefits, subject to the respective policy terms, limits, and conditions. NRIs residing in the USA should verify the plan’s geographical scope and member-wise eligibility for worldwide benefits before purchasing a policy or planning treatment in the USA or India.

Benefits of Health Insurance for NRIs Living in the USA

Health insurance in India helps NRIs from the USA cover eligible medical costs during visits, providing financial security for them and their families. Here are some main benefits:

Types of Health Insurance Plan for NRIs Living in the USA

NRIs living in the USA can choose from a range of health insurance plans in India based on their healthcare needs, family requirements, and financial goals. Some of the most popular options include:

Note: Some health insurance plans may offer exclusive benefits or premium discounts for NRIs. However, the availability and extent of these discounts vary by policy, so it's important to check the specific plan details before purchasing.

Protect Your Ageing Parents in India While Living in the USA

Living in the USA shouldn’t mean constantly worrying about your ageing parents’ healthcare needs back home in India. As an NRI residing in the USA, you can be the proposer of a senior citizen health insurance policy for your dependent parents in India, helping them access quality healthcare while protecting against rising medical costs.

These plans can cover eligible hospitalisation expenses, age-related illnesses, day-care treatments, annual health check-ups, and other policy benefits in India, subject to the terms and conditions of the selected plan.

Note: Waiting periods, medical underwriting, eligibility, and benefits vary by plan. If you have taxable income in India, you may also be eligible to claim tax deductions under Section 80D of the Income Tax Act, subject to applicable provisions.

Key Policy Conditions for NRI Health Insurance in the USA

Before purchasing health insurance in India, NRIs should understand key policy terms to ensure the plan meets their healthcare and financial needs.

Policy Feature Details
Eligibility for NRI Discount Available for eligible NRIs, OCIs, and PIOs, subject to underwriting and applicable FEMA regulations.
Cover Type Individual: max up to 6 persons; Floater: max up to 2A2C
Tenure Options 1/2/3 years
Initial Waiting Period 30 days for all hospitalisation except accidental hospitalisation
Named Ailment Waiting Period 24 months
Pre-Existing Waiting Period 36 months

Note: Eligibility, underwriting requirements, waiting periods, premium payment options, and coverage may vary depending on the selected health insurance plan and applicable policy terms and conditions.

How Much Sum Insured Should an NRI Living in the USA Choose?

The ideal sum insured depends on your age, medical history, family size, travel frequency to India, and healthcare needs. Choosing the right coverage protects you from rising medical costs in India.

Note: The Ultimate Care plan offers unlimited Sum Insured. The available sum insured options depend on the specific policy and your healthcare requirements. Please review the policy details before purchasing.

What is Covered and Not Covered Under Health Insurance for NRIs in the USA?

Each individual health insurance policy outlines specific coverage details and exclusions. Familiarity with these aspects can help NRIs select the appropriate plan and prevent unexpected issues when filing claims.

Covered

Not Covered

Enhance Your Health Insurance in India with Strong Add-ons for USA-Based NRIs

Every NRI has unique healthcare needs based on family, travel, and plans in India. Optional benefits let you customise your health insurance with better coverage, convenience, and financial protection, tailoring your plan to your lifestyle.

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Optional Add-On Covers

Care OPD

4 general physicians and 4 specialist consultations are covered annually with a co-pay.

Claim Shield

This add-on benefit offers coverage for items listed in Annexure I (Lists I, II, III, and IV) that are not payable.

Instant Cover

For Asthma, Hypertension, Hyperlipidemia, and Diabetes, a 30-day waiting period follows the initial period.

PED Wait Period Modification

The waiting period for PED-related claims will be reduced from 3 years to 1 or 2 years.

Note: The availability of add-on covers varies from one health insurance policy to another. Always review the policy terms and choose the riders that best suit your healthcare needs.

Things to Consider for NRIs in the USA When Buying Health Insurance in India

Before buying health insurance in India, USA-based NRIs should assess coverage, eligibility, and long-term suitability. Considering these factors can help choose a plan that meets healthcare needs and prevents claim issues.

  • Understand Waiting Periods: Review waiting periods for pre-existing diseases and treatments. Fully declaring your medical history at purchase prevents future claims disputes.
  • Be Prepared for Medical Underwriting: Depending on your age, health, and insurer requirements, you may need medical exams or reports before getting the policy.
  • Keep the Required Documents Ready: Ensure you have valid KYC documents such as a passport, visa, work permit, proof of overseas address, and any other required documents for NRI applicants.
  • Understand Premium Payment Options: Most insurers allow health insurance premium payment through an NRE account, NRO account, net banking, credit/debit cards, UPI, digital wallets, Scan & Pay, Google Pay, or EMI (where available), subject to applicable FEMA regulations and the insurer's accepted payment options.
  • Check for NRI-Specific Benefits: Some insurers offer NRIs benefits such as discounts, digital onboarding, flexible payment options, and emergency cover worldwide. Compare to boost your policy's value.

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Documents Required for USA-Based NRIs to Buy Health Insurance in India

Buying health insurance in India as a USA-based NRI is simple with the right documents. Although requirements can differ between insurers, these are typically needed during the application process.

Document Eligible Proof
Identity Proof Valid Passport, National ID, Voter ID, or Driving Licence
Address Proof Overseas address proof, Passport, Driving Licence, or other accepted address proof
NRI Status Proof Valid Visa, Work Permit, Residence Permit, or other proof of overseas residency
Income/Financial Proof Bank Statement or other financial documents, if required by the insurer
Medical Documents

Medical reports or health declaration, if requested during underwriting

Important: Keep digital copies of your policy documents, passport, visa/OCI card, and medical records readily available. Ensure all claims are submitted within the timelines specified in your policy to avoid delays or rejection. 

How Can NRIs Living in the USA Buy Health Insurance in India Online?

NRIs can conveniently purchase a health insurance plan in India online by following these simple steps:

  • 1. Explore & Select Your Plan: Visit the insurer's website to browse available NRI health insurance plans, compare coverage, sum insured, and benefits to choose a suitable plan.
  • 2. Enter Your Basic Details: Enter your name, age, gender, and click Get a Quote. Select family eligible members to insure and provide their ages to calculate your premium.
  • 3. Provide Contact & Address Details: Enter your Indian address or PIN code. Select +1 for the USA country code and provide a valid USA mobile number and email.
  • 4. Review & Customise Your Plan: Compare plan options and customise your policy by selecting the preferred sum insured, policy tenure, and optional benefits.
  • 5. Complete the Application: Fill in proposer and insured members' details, complete KYC, and disclose any pre-existing medical conditions or relevant health information.
  • 6. Make the Payment: Pay securely with options such as debit/credit cards, net banking, UPI, wallets, and other accepted methods.
  • 7. Receive Your Policy: Once approved, your policy documents and e-card will be issued digitally and emailed to you.

Filing a Claim under NRI Health Insurance USA

Filing a health insurance claim is simple if you follow the proper process and submit all necessary documents promptly, regardless of whether you opt for cashless or reimbursement methods.

Step Cashless Claim Process Reimbursement Claim Process
Step 1 Notify your insurer about planned or emergency hospitalisation within the policy timeframe through available channels (customer portal, mobile app, call, email) and select a network hospital. Get treatment at any hospital and pay expenses upon discharge.
Step 2 Present your health insurance e-card and ID at the hospital's insurance desk and complete the pre-authorisation form. Collect all original documents: hospital bills, discharge summary, prescriptions, reports, receipts, and claim form. Submit passport/visa details if required.
Step 3 The hospital coordinates with the insurer for claim approval while you receive treatment. Track your claim online or via the app. Submit the claim form and required documents within the prescribed timeline through available digital channels or customer portals.
Step 4 Once approved, the insurer pays eligible hospital expenses directly to the network hospital in accordance with policy terms. Track claims online during review. Upon approval, admissible funds are transferred to the eligible bank account subject to policy terms and FEMA norms.

Point to Remember: What happens if my family member is hospitalised in India while I’m in the USA?

If an insured family member is hospitalised in India while the NRI policyholder is residing in the USA, an authorised local representative or third party in India (such as a spouse, relative, or nominee) may assist with cashless pre-authorisation, claim-related formalities, documentation, and hospital coordination, where permitted by the insurer. The NRI policyholder can also coordinate the reimbursement claim remotely, stay updated, and track the claim digitally through available online channels.

Important: Keep digital copies of your policy documents, passport, visa/OCI card, and medical records readily available. Ensure all claims are submitted within the timelines specified in your policy to avoid delays or rejection.

Common Mistakes NRIs in the USA Should Avoid

Choosing the right health insurance in India is crucial to avoid coverage or claim issues. NRIs in the USA should be aware of common pitfalls before buying a policy:

  • 1. Choosing a Plan Based Only on Premium: A lower premium might seem attractive but could mean less coverage, fewer benefits, or higher out-of-pocket costs. Focus on the sum insured, benefits, exclusions, and claims settling track record.
  • 2. Not Disclosing Pre-existing Medical Conditions: Always provide accurate medical history details. Failing to disclose pre-existing conditions may lead to claim rejection or policy cancellation.
  • 3. Ignoring Waiting Periods: Health insurance plans have waiting periods for pre-existing diseases, maternity, and specific procedures. Knowing these helps you plan coverage effectively.
  • 4. Overlooking the Cashless Hospital Network: Choose an insurer with a wide network of cashless hospitals in India, especially in cities where you or your parents reside or are likely to seek treatment.
  • 5. Assuming Your USA Health Insurance Covers Treatment in India: Many US health insurance plans have limited or no coverage for non-emergency treatment in India. An Indian health insurance policy provides targeted financial protection for healthcare costs during visits.
  • 6. Ignoring Policy Terms and Exclusions: Carefully review the policy to understand exclusions, waiting periods, sub-limits, co-payments, room rent limits, and claim conditions before finalizing a plan.

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FAQs

Q. Can NRIs Living in the USA Buy Health Insurance in India?

Yes, NRIs residing in the USA can purchase health insurance in India for themselves and their eligible family members.

Q. Can I Renew My NRI Health Insurance Policy While Staying in the USA?

Most insurers allow NRIs to renew their health insurance policies online from anywhere in the world.

Q. Is There Any Premium Discount Available on Ultimate Care for NRIs?

Yes, eligible NRIs can avail up to a 15% discount on the Ultimate Care premium, subject to the applicable terms, conditions, and eligibility criteria.

Q. Does Ultimate Care Senior Offer Any Discount for NRIs?

Yes, eligible NRIs can receive up to a 15% discount on the Ultimate Care Senior premium, subject to applicable terms, conditions, and eligibility criteria.

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🇦🇫 Afghanistan+93 AF
🇦🇱 Albania+355 AL
🇩🇿 Algeria+213 DZ
🇦🇸 American Samoa+1684 AS
🇦🇩 Andorra+376 AD
🇦🇴 Angola+244 AO
🇦🇮 Anguilla+1264 AI
🇦🇬 Antigua and Barbuda+1268 AG
🇦🇷 Argentina+54 AR
🇦🇲 Armenia+374 AM
🇦🇼 Aruba+297 AW
🇦🇺 Australia+61 AU
🇦🇹 Austria+43 AT
🇦🇿 Azerbaijan+994 AZ
🇧🇸 Bahamas+1242 BS
🇧🇭 Bahrain+973 BH
🇧🇩 Bangladesh+880 BD
🇧🇧 Barbados+1246 BB
🇧🇾 Belarus+375 BY
🇧🇪 Belgium+32 BE
🇧🇿 Belize+501 BZ
🇧🇯 Benin+229 BJ
🇧🇲 Bermuda+1441 BM
🇧🇹 Bhutan+975 BT
🇧🇴 Bolivia+591 BO
🇧🇦 Bosnia and Herzegovina+387 BA
🇧🇼 Botswana+267 BW
🇧🇷 Brazil+55 BR
🇻🇬 British Virgin Islands+1284 VG
🇧🇳 Brunei+673 BN
🇧🇬 Bulgaria+359 BG
🇧🇫 Burkina Faso+226 BF
🇧🇮 Burundi+257 BI
🇨🇻 Cabo Verde+238 CV
🇰🇭 Cambodia+855 KH
🇨🇲 Cameroon+237 CM
🇨🇦 Canada+1 CA
🇰🇾 Cayman Islands+1345 KY
🇨🇫 Central African Republic+236 CF
🇹🇩 Chad+235 TD
🇨🇱 Chile+56 CL
🇨🇳 China+86 CN
🇨🇴 Colombia+57 CO
🇰🇲 Comoros+269 KM
🇨🇬 Congo+242 CG
🇨🇰 Cook Islands+682 CK
🇨🇷 Costa Rica+506 CR
🇨🇮 Côte d'Ivoire+225 CI
🇭🇷 Croatia+385 HR
🇨🇺 Cuba+53 CU
🇨🇼 Curaçao+599 CW
🇨🇾 Cyprus+357 CY
🇨🇿 Czech Republic (Czechia)+420 CZ
🇩🇰 Denmark+45 DK
🇩🇯 Djibouti+253 DJ
🇩🇲 Dominica+1767 DM
🇩🇴 Dominican Republic+1849 DO
🇨🇩 DR Congo+243 CD
🇪🇨 Ecuador+593 EC
🇪🇬 Egypt+20 EG
🇸🇻 El Salvador+503 SV
🇬🇶 Equatorial Guinea+240 GQ
🇪🇷 Eritrea+291 ER
🇪🇪 Estonia+372 EE
🇸🇿 Eswatini+268 SZ
🇪🇹 Ethiopia+251 ET
🇫🇴 Faeroe Islands+298 FO
🇫🇰 Falkland Islands+500 FK
🇫🇯 Fiji+679 FJ
🇫🇮 Finland+358 FI
🇫🇷 France+33 FR
🇵🇫 French Polynesia+689 PF
🇬🇦 Gabon+241 GA
🇬🇲 Gambia+220 GM
🇬🇪 Georgia+995 GE
🇩🇪 Germany+49 DE
🇬🇭 Ghana+233 GH
🇬🇮 Gibraltar+350 GI
🇬🇷 Greece+30 GR
🇬🇱 Greenland+299 GL
🇬🇩 Grenada+1473 GD
🇬🇺 Guam+1671 GU
🇬🇹 Guatemala+502 GT
🇬🇳 Guinea+224 GN
🇬🇼 Guinea-Bissau+245 GW
🇬🇾 Guyana+592 GY
🇭🇹 Haiti+509 HT
🇻🇦 Holy See+379 VA
🇭🇳 Honduras+504 HN
🇭🇰 Hong Kong+852 HK
🇭🇺 Hungary+36 HU
🇮🇸 Iceland+354 IS
🇮🇳 India+91 IN
🇮🇩 Indonesia+62 ID
🇮🇷 Iran+98 IR
🇮🇶 Iraq+964 IQ
🇮🇪 Ireland+353 IE
🇮🇲 Isle of Man+44 IM
🇮🇱 Israel+972 IL
🇮🇹 Italy+39 IT
🇯🇲 Jamaica+1876 JM
🇯🇵 Japan+81 JP
🇯🇴 Jordan+962 JO
🇰🇿 Kazakhstan+7 KZ
🇰🇪 Kenya+254 KE
🇰🇮 Kiribati+686 KI
🇰🇼 Kuwait+965 KW
🇰🇬 Kyrgyzstan+996 KG
🇱🇦 Laos+856 LA
🇱🇻 Latvia+371 LV
🇱🇧 Lebanon+961 LB
🇱🇸 Lesotho+266 LS
🇱🇷 Liberia+231 LR
🇱🇾 Libya+218 LY
🇱🇮 Liechtenstein+423 LI
🇱🇹 Lithuania+370 LT
🇱🇺 Luxembourg+352 LU
🇲🇴 Macao+853 MO
🇲🇬 Madagascar+261 MG
🇲🇼 Malawi+265 MW
🇲🇾 Malaysia+60 MY
🇲🇻 Maldives+960 MV
🇲🇱 Mali+223 ML
🇲🇹 Malta+356 MT
🇲🇭 Marshall Islands+692 MH
🇲🇷 Mauritania+222 MR
🇲🇺 Mauritius+230 MU
🇾🇹 Mayotte+262 YT
🇲🇽 Mexico+52 MX
🇫🇲 Micronesia+691 FM
🇲🇩 Moldova+373 MD
🇲🇨 Monaco+377 MC
🇲🇳 Mongolia+976 MN
🇲🇪 Montenegro+382 ME
🇲🇸 Montserrat+1664 MS
🇲🇦 Morocco+212 MA
🇲🇿 Mozambique+258 MZ
🇲🇲 Myanmar+95 MM
🇳🇦 Namibia+264 NA
🇳🇷 Nauru+674 NR
🇳🇵 Nepal+977 NP
🇳🇱 Netherlands+31 NL
🇳🇨 New Caledonia+687 NC
🇳🇿 New Zealand+64 NZ
🇳🇮 Nicaragua+505 NI
🇳🇪 Niger+227 NE
🇳🇬 Nigeria+234 NG
🇳🇺 Niue+683 NU
🇲🇵 Northern Mariana Islands+1670 MP
🇰🇵 North Korea+850 KP
🇲🇰 North Macedonia+389 MK
🇳🇴 Norway+47 NO
🇴🇲 Oman+968 OM
🇵🇰 Pakistan+92 PK
🇵🇼 Palau+680 PW
🇵🇦 Panama+507 PA
🇵🇬 Papua New Guinea+675 PG
🇵🇾 Paraguay+595 PY
🇵🇪 Peru+51 PE
🇵🇭 Philippines+63 PH
🇵🇱 Poland+48 PL
🇵🇹 Portugal+351 PT
🇵🇷 Puerto Rico+1939 PR
🇶🇦 Qatar+974 QA
🇷🇪 Réunion+262 RE
🇷🇴 Romania+40 RO
🇷🇺 Russia+7 RU
🇷🇼 Rwanda+250 RW
🇧🇱 Saint Barthelemy+590 BL
🇸🇭 Saint Helena+290 SH
🇰🇳 Saint Kitts & Nevis+1869 KN
🇱🇨 Saint Lucia+1758 LC
🇲🇫 Saint Martin+590 MF
🇵🇲 Saint Pierre & Miquelon+508 PM
🇼🇸 Samoa+685 WS
🇸🇲 San Marino+378 SM
🇸🇹 Sao Tome & Principe+239 ST
🇸🇦 Saudi Arabia+966 SA
🇸🇳 Senegal+221 SN
🇷🇸 Serbia+381 RS
🇸🇨 Seychelles+248 SC
🇸🇱 Sierra Leone+232 SL
🇸🇬 Singapore+65 SG
🇸🇽 Sint Maarten+1721 SX
🇸🇰 Slovakia+421 SK
🇸🇮 Slovenia+386 SI
🇸🇧 Solomon Islands+677 SB
🇸🇴 Somalia+252 SO
🇿🇦 South Africa+27 ZA
🇰🇷 South Korea+82 KR
🇸🇸 South Sudan+211 SS
🇪🇸 Spain+34 ES
🇱🇰 Sri Lanka+94 LK
🇵🇸 State of Palestine+970 PS
🇻🇨 St. Vincent & Grenadines+1784 VC
🇸🇩 Sudan+249 SD
🇸🇷 Suriname+597 SR
🇸🇪 Sweden+46 SE
🇨🇭 Switzerland+41 CH
🇸🇾 Syria+963 SY
🇹🇼 Taiwan+886 TW
🇹🇯 Tajikistan+992 TJ
🇹🇿 Tanzania+255 TZ
🇹🇭 Thailand+66 TH
🇹🇱 Timor-Leste+670 TL
🇹🇬 Togo+228 TG
🇹🇰 Tokelau+690 TK
🇹🇴 Tonga+676 TO
🇹🇹 Trinidad and Tobago+1868 TT
🇹🇳 Tunisia+216 TN
🇹🇷 Turkey+90 TR
🇹🇲 Turkmenistan+993 TM
🇹🇨 Turks and Caicos+1649 TC
🇹🇻 Tuvalu+688 TV
🇺🇬 Uganda+256 UG
🇺🇦 Ukraine+380 UA
🇦🇪 United Arab Emirates+971 AE
🇬🇧 United Kingdom+44 GB
🇺🇸 United States+1 US
🇺🇾 Uruguay+598 UY
🇻🇮 U.S. Virgin Islands+1340 VI
🇺🇿 Uzbekistan+998 UZ
🇻🇺 Vanuatu+678 VU
🇻🇪 Venezuela+58 VE
🇻🇳 Vietnam+84 VN
🇼🇫 Wallis & Futuna+681 WF
🇪🇭 Western Sahara+212 EH
🇾🇪 Yemen+967 YE
🇿🇲 Zambia+260 ZM
🇿🇼 Zimbabwe+263 ZW

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Disclaimer:
1: For Ultimate Care, the premium is calculated for two individuals (both aged 18) opting for a ₹7 lakh Sum Insured in a Tier 1 location, with a 15% NRI Discount, Sub-limits, and Room Rent Modification selected for a 1-year policy tenure.*

2: For Ultimate Care Senior, the premium is calculated for one individual aged 59, opting for a ₹7 lakh Sum Insured in a Tier 3 location, with a 15% NRI Discount, and with add-ons selected including Smart Select, Sub-limit, Co-pay, Deductible, and Room Rent Modification, for a 1-year policy tenure.
3: For Care Advantage, the premium is calculated for one individual, opting for a ₹1 crore Sum Insured in a Tier 3 location, with add-ons selected including Smart Select and Room Rent Modification, for a 1-year policy tenure.
4: For Ultimate Joy, the premium is calculated for one individual, opting for a ₹5 lakh Sum Insured in a Tier 3 location, with the Room Rent Modification add-on selected, for a 1-year policy tenure

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+91
+91
🇦🇫 Afghanistan+93 AF
🇦🇱 Albania+355 AL
🇩🇿 Algeria+213 DZ
🇦🇸 American Samoa+1684 AS
🇦🇩 Andorra+376 AD
🇦🇴 Angola+244 AO
🇦🇮 Anguilla+1264 AI
🇦🇬 Antigua and Barbuda+1268 AG
🇦🇷 Argentina+54 AR
🇦🇲 Armenia+374 AM
🇦🇼 Aruba+297 AW
🇦🇺 Australia+61 AU
🇦🇹 Austria+43 AT
🇦🇿 Azerbaijan+994 AZ
🇧🇸 Bahamas+1242 BS
🇧🇭 Bahrain+973 BH
🇧🇩 Bangladesh+880 BD
🇧🇧 Barbados+1246 BB
🇧🇾 Belarus+375 BY
🇧🇪 Belgium+32 BE
🇧🇿 Belize+501 BZ
🇧🇯 Benin+229 BJ
🇧🇲 Bermuda+1441 BM
🇧🇹 Bhutan+975 BT
🇧🇴 Bolivia+591 BO
🇧🇦 Bosnia and Herzegovina+387 BA
🇧🇼 Botswana+267 BW
🇧🇷 Brazil+55 BR
🇻🇬 British Virgin Islands+1284 VG
🇧🇳 Brunei+673 BN
🇧🇬 Bulgaria+359 BG
🇧🇫 Burkina Faso+226 BF
🇧🇮 Burundi+257 BI
🇨🇻 Cabo Verde+238 CV
🇰🇭 Cambodia+855 KH
🇨🇲 Cameroon+237 CM
🇨🇦 Canada+1 CA
🇰🇾 Cayman Islands+1345 KY
🇨🇫 Central African Republic+236 CF
🇹🇩 Chad+235 TD
🇨🇱 Chile+56 CL
🇨🇳 China+86 CN
🇨🇴 Colombia+57 CO
🇰🇲 Comoros+269 KM
🇨🇬 Congo+242 CG
🇨🇰 Cook Islands+682 CK
🇨🇷 Costa Rica+506 CR
🇨🇮 Côte d'Ivoire+225 CI
🇭🇷 Croatia+385 HR
🇨🇺 Cuba+53 CU
🇨🇼 Curaçao+599 CW
🇨🇾 Cyprus+357 CY
🇨🇿 Czech Republic (Czechia)+420 CZ
🇩🇰 Denmark+45 DK
🇩🇯 Djibouti+253 DJ
🇩🇲 Dominica+1767 DM
🇩🇴 Dominican Republic+1849 DO
🇨🇩 DR Congo+243 CD
🇪🇨 Ecuador+593 EC
🇪🇬 Egypt+20 EG
🇸🇻 El Salvador+503 SV
🇬🇶 Equatorial Guinea+240 GQ
🇪🇷 Eritrea+291 ER
🇪🇪 Estonia+372 EE
🇸🇿 Eswatini+268 SZ
🇪🇹 Ethiopia+251 ET
🇫🇴 Faeroe Islands+298 FO
🇫🇰 Falkland Islands+500 FK
🇫🇯 Fiji+679 FJ
🇫🇮 Finland+358 FI
🇫🇷 France+33 FR
🇵🇫 French Polynesia+689 PF
🇬🇦 Gabon+241 GA
🇬🇲 Gambia+220 GM
🇬🇪 Georgia+995 GE
🇩🇪 Germany+49 DE
🇬🇭 Ghana+233 GH
🇬🇮 Gibraltar+350 GI
🇬🇷 Greece+30 GR
🇬🇱 Greenland+299 GL
🇬🇩 Grenada+1473 GD
🇬🇺 Guam+1671 GU
🇬🇹 Guatemala+502 GT
🇬🇳 Guinea+224 GN
🇬🇼 Guinea-Bissau+245 GW
🇬🇾 Guyana+592 GY
🇭🇹 Haiti+509 HT
🇻🇦 Holy See+379 VA
🇭🇳 Honduras+504 HN
🇭🇰 Hong Kong+852 HK
🇭🇺 Hungary+36 HU
🇮🇸 Iceland+354 IS
🇮🇳 India+91 IN
🇮🇩 Indonesia+62 ID
🇮🇷 Iran+98 IR
🇮🇶 Iraq+964 IQ
🇮🇪 Ireland+353 IE
🇮🇲 Isle of Man+44 IM
🇮🇱 Israel+972 IL
🇮🇹 Italy+39 IT
🇯🇲 Jamaica+1876 JM
🇯🇵 Japan+81 JP
🇯🇴 Jordan+962 JO
🇰🇿 Kazakhstan+7 KZ
🇰🇪 Kenya+254 KE
🇰🇮 Kiribati+686 KI
🇰🇼 Kuwait+965 KW
🇰🇬 Kyrgyzstan+996 KG
🇱🇦 Laos+856 LA
🇱🇻 Latvia+371 LV
🇱🇧 Lebanon+961 LB
🇱🇸 Lesotho+266 LS
🇱🇷 Liberia+231 LR
🇱🇾 Libya+218 LY
🇱🇮 Liechtenstein+423 LI
🇱🇹 Lithuania+370 LT
🇱🇺 Luxembourg+352 LU
🇲🇴 Macao+853 MO
🇲🇬 Madagascar+261 MG
🇲🇼 Malawi+265 MW
🇲🇾 Malaysia+60 MY
🇲🇻 Maldives+960 MV
🇲🇱 Mali+223 ML
🇲🇹 Malta+356 MT
🇲🇭 Marshall Islands+692 MH
🇲🇷 Mauritania+222 MR
🇲🇺 Mauritius+230 MU
🇾🇹 Mayotte+262 YT
🇲🇽 Mexico+52 MX
🇫🇲 Micronesia+691 FM
🇲🇩 Moldova+373 MD
🇲🇨 Monaco+377 MC
🇲🇳 Mongolia+976 MN
🇲🇪 Montenegro+382 ME
🇲🇸 Montserrat+1664 MS
🇲🇦 Morocco+212 MA
🇲🇿 Mozambique+258 MZ
🇲🇲 Myanmar+95 MM
🇳🇦 Namibia+264 NA
🇳🇷 Nauru+674 NR
🇳🇵 Nepal+977 NP
🇳🇱 Netherlands+31 NL
🇳🇨 New Caledonia+687 NC
🇳🇿 New Zealand+64 NZ
🇳🇮 Nicaragua+505 NI
🇳🇪 Niger+227 NE
🇳🇬 Nigeria+234 NG
🇳🇺 Niue+683 NU
🇲🇵 Northern Mariana Islands+1670 MP
🇰🇵 North Korea+850 KP
🇲🇰 North Macedonia+389 MK
🇳🇴 Norway+47 NO
🇴🇲 Oman+968 OM
🇵🇰 Pakistan+92 PK
🇵🇼 Palau+680 PW
🇵🇦 Panama+507 PA
🇵🇬 Papua New Guinea+675 PG
🇵🇾 Paraguay+595 PY
🇵🇪 Peru+51 PE
🇵🇭 Philippines+63 PH
🇵🇱 Poland+48 PL
🇵🇹 Portugal+351 PT
🇵🇷 Puerto Rico+1939 PR
🇶🇦 Qatar+974 QA
🇷🇪 Réunion+262 RE
🇷🇴 Romania+40 RO
🇷🇺 Russia+7 RU
🇷🇼 Rwanda+250 RW
🇧🇱 Saint Barthelemy+590 BL
🇸🇭 Saint Helena+290 SH
🇰🇳 Saint Kitts & Nevis+1869 KN
🇱🇨 Saint Lucia+1758 LC
🇲🇫 Saint Martin+590 MF
🇵🇲 Saint Pierre & Miquelon+508 PM
🇼🇸 Samoa+685 WS
🇸🇲 San Marino+378 SM
🇸🇹 Sao Tome & Principe+239 ST
🇸🇦 Saudi Arabia+966 SA
🇸🇳 Senegal+221 SN
🇷🇸 Serbia+381 RS
🇸🇨 Seychelles+248 SC
🇸🇱 Sierra Leone+232 SL
🇸🇬 Singapore+65 SG
🇸🇽 Sint Maarten+1721 SX
🇸🇰 Slovakia+421 SK
🇸🇮 Slovenia+386 SI
🇸🇧 Solomon Islands+677 SB
🇸🇴 Somalia+252 SO
🇿🇦 South Africa+27 ZA
🇰🇷 South Korea+82 KR
🇸🇸 South Sudan+211 SS
🇪🇸 Spain+34 ES
🇱🇰 Sri Lanka+94 LK
🇵🇸 State of Palestine+970 PS
🇻🇨 St. Vincent & Grenadines+1784 VC
🇸🇩 Sudan+249 SD
🇸🇷 Suriname+597 SR
🇸🇪 Sweden+46 SE
🇨🇭 Switzerland+41 CH
🇸🇾 Syria+963 SY
🇹🇼 Taiwan+886 TW
🇹🇯 Tajikistan+992 TJ
🇹🇿 Tanzania+255 TZ
🇹🇭 Thailand+66 TH
🇹🇱 Timor-Leste+670 TL
🇹🇬 Togo+228 TG
🇹🇰 Tokelau+690 TK
🇹🇴 Tonga+676 TO
🇹🇹 Trinidad and Tobago+1868 TT
🇹🇳 Tunisia+216 TN
🇹🇷 Turkey+90 TR
🇹🇲 Turkmenistan+993 TM
🇹🇨 Turks and Caicos+1649 TC
🇹🇻 Tuvalu+688 TV
🇺🇬 Uganda+256 UG
🇺🇦 Ukraine+380 UA
🇦🇪 United Arab Emirates+971 AE
🇬🇧 United Kingdom+44 GB
🇺🇸 United States+1 US
🇺🇾 Uruguay+598 UY
🇻🇮 U.S. Virgin Islands+1340 VI
🇺🇿 Uzbekistan+998 UZ
🇻🇺 Vanuatu+678 VU
🇻🇪 Venezuela+58 VE
🇻🇳 Vietnam+84 VN
🇼🇫 Wallis & Futuna+681 WF
🇪🇭 Western Sahara+212 EH
🇾🇪 Yemen+967 YE
🇿🇲 Zambia+260 ZM
🇿🇼 Zimbabwe+263 ZW

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+91
+91
🇦🇫 Afghanistan+93 AF
🇦🇱 Albania+355 AL
🇩🇿 Algeria+213 DZ
🇦🇸 American Samoa+1684 AS
🇦🇩 Andorra+376 AD
🇦🇴 Angola+244 AO
🇦🇮 Anguilla+1264 AI
🇦🇬 Antigua and Barbuda+1268 AG
🇦🇷 Argentina+54 AR
🇦🇲 Armenia+374 AM
🇦🇼 Aruba+297 AW
🇦🇺 Australia+61 AU
🇦🇹 Austria+43 AT
🇦🇿 Azerbaijan+994 AZ
🇧🇸 Bahamas+1242 BS
🇧🇭 Bahrain+973 BH
🇧🇩 Bangladesh+880 BD
🇧🇧 Barbados+1246 BB
🇧🇾 Belarus+375 BY
🇧🇪 Belgium+32 BE
🇧🇿 Belize+501 BZ
🇧🇯 Benin+229 BJ
🇧🇲 Bermuda+1441 BM
🇧🇹 Bhutan+975 BT
🇧🇴 Bolivia+591 BO
🇧🇦 Bosnia and Herzegovina+387 BA
🇧🇼 Botswana+267 BW
🇧🇷 Brazil+55 BR
🇻🇬 British Virgin Islands+1284 VG
🇧🇳 Brunei+673 BN
🇧🇬 Bulgaria+359 BG
🇧🇫 Burkina Faso+226 BF
🇧🇮 Burundi+257 BI
🇨🇻 Cabo Verde+238 CV
🇰🇭 Cambodia+855 KH
🇨🇲 Cameroon+237 CM
🇨🇦 Canada+1 CA
🇰🇾 Cayman Islands+1345 KY
🇨🇫 Central African Republic+236 CF
🇹🇩 Chad+235 TD
🇨🇱 Chile+56 CL
🇨🇳 China+86 CN
🇨🇴 Colombia+57 CO
🇰🇲 Comoros+269 KM
🇨🇬 Congo+242 CG
🇨🇰 Cook Islands+682 CK
🇨🇷 Costa Rica+506 CR
🇨🇮 Côte d'Ivoire+225 CI
🇭🇷 Croatia+385 HR
🇨🇺 Cuba+53 CU
🇨🇼 Curaçao+599 CW
🇨🇾 Cyprus+357 CY
🇨🇿 Czech Republic (Czechia)+420 CZ
🇩🇰 Denmark+45 DK
🇩🇯 Djibouti+253 DJ
🇩🇲 Dominica+1767 DM
🇩🇴 Dominican Republic+1849 DO
🇨🇩 DR Congo+243 CD
🇪🇨 Ecuador+593 EC
🇪🇬 Egypt+20 EG
🇸🇻 El Salvador+503 SV
🇬🇶 Equatorial Guinea+240 GQ
🇪🇷 Eritrea+291 ER
🇪🇪 Estonia+372 EE
🇸🇿 Eswatini+268 SZ
🇪🇹 Ethiopia+251 ET
🇫🇴 Faeroe Islands+298 FO
🇫🇰 Falkland Islands+500 FK
🇫🇯 Fiji+679 FJ
🇫🇮 Finland+358 FI
🇫🇷 France+33 FR
🇵🇫 French Polynesia+689 PF
🇬🇦 Gabon+241 GA
🇬🇲 Gambia+220 GM
🇬🇪 Georgia+995 GE
🇩🇪 Germany+49 DE
🇬🇭 Ghana+233 GH
🇬🇮 Gibraltar+350 GI
🇬🇷 Greece+30 GR
🇬🇱 Greenland+299 GL
🇬🇩 Grenada+1473 GD
🇬🇺 Guam+1671 GU
🇬🇹 Guatemala+502 GT
🇬🇳 Guinea+224 GN
🇬🇼 Guinea-Bissau+245 GW
🇬🇾 Guyana+592 GY
🇭🇹 Haiti+509 HT
🇻🇦 Holy See+379 VA
🇭🇳 Honduras+504 HN
🇭🇰 Hong Kong+852 HK
🇭🇺 Hungary+36 HU
🇮🇸 Iceland+354 IS
🇮🇳 India+91 IN
🇮🇩 Indonesia+62 ID
🇮🇷 Iran+98 IR
🇮🇶 Iraq+964 IQ
🇮🇪 Ireland+353 IE
🇮🇲 Isle of Man+44 IM
🇮🇱 Israel+972 IL
🇮🇹 Italy+39 IT
🇯🇲 Jamaica+1876 JM
🇯🇵 Japan+81 JP
🇯🇴 Jordan+962 JO
🇰🇿 Kazakhstan+7 KZ
🇰🇪 Kenya+254 KE
🇰🇮 Kiribati+686 KI
🇰🇼 Kuwait+965 KW
🇰🇬 Kyrgyzstan+996 KG
🇱🇦 Laos+856 LA
🇱🇻 Latvia+371 LV
🇱🇧 Lebanon+961 LB
🇱🇸 Lesotho+266 LS
🇱🇷 Liberia+231 LR
🇱🇾 Libya+218 LY
🇱🇮 Liechtenstein+423 LI
🇱🇹 Lithuania+370 LT
🇱🇺 Luxembourg+352 LU
🇲🇴 Macao+853 MO
🇲🇬 Madagascar+261 MG
🇲🇼 Malawi+265 MW
🇲🇾 Malaysia+60 MY
🇲🇻 Maldives+960 MV
🇲🇱 Mali+223 ML
🇲🇹 Malta+356 MT
🇲🇭 Marshall Islands+692 MH
🇲🇷 Mauritania+222 MR
🇲🇺 Mauritius+230 MU
🇾🇹 Mayotte+262 YT
🇲🇽 Mexico+52 MX
🇫🇲 Micronesia+691 FM
🇲🇩 Moldova+373 MD
🇲🇨 Monaco+377 MC
🇲🇳 Mongolia+976 MN
🇲🇪 Montenegro+382 ME
🇲🇸 Montserrat+1664 MS
🇲🇦 Morocco+212 MA
🇲🇿 Mozambique+258 MZ
🇲🇲 Myanmar+95 MM
🇳🇦 Namibia+264 NA
🇳🇷 Nauru+674 NR
🇳🇵 Nepal+977 NP
🇳🇱 Netherlands+31 NL
🇳🇨 New Caledonia+687 NC
🇳🇿 New Zealand+64 NZ
🇳🇮 Nicaragua+505 NI
🇳🇪 Niger+227 NE
🇳🇬 Nigeria+234 NG
🇳🇺 Niue+683 NU
🇲🇵 Northern Mariana Islands+1670 MP
🇰🇵 North Korea+850 KP
🇲🇰 North Macedonia+389 MK
🇳🇴 Norway+47 NO
🇴🇲 Oman+968 OM
🇵🇰 Pakistan+92 PK
🇵🇼 Palau+680 PW
🇵🇦 Panama+507 PA
🇵🇬 Papua New Guinea+675 PG
🇵🇾 Paraguay+595 PY
🇵🇪 Peru+51 PE
🇵🇭 Philippines+63 PH
🇵🇱 Poland+48 PL
🇵🇹 Portugal+351 PT
🇵🇷 Puerto Rico+1939 PR
🇶🇦 Qatar+974 QA
🇷🇪 Réunion+262 RE
🇷🇴 Romania+40 RO
🇷🇺 Russia+7 RU
🇷🇼 Rwanda+250 RW
🇧🇱 Saint Barthelemy+590 BL
🇸🇭 Saint Helena+290 SH
🇰🇳 Saint Kitts & Nevis+1869 KN
🇱🇨 Saint Lucia+1758 LC
🇲🇫 Saint Martin+590 MF
🇵🇲 Saint Pierre & Miquelon+508 PM
🇼🇸 Samoa+685 WS
🇸🇲 San Marino+378 SM
🇸🇹 Sao Tome & Principe+239 ST
🇸🇦 Saudi Arabia+966 SA
🇸🇳 Senegal+221 SN
🇷🇸 Serbia+381 RS
🇸🇨 Seychelles+248 SC
🇸🇱 Sierra Leone+232 SL
🇸🇬 Singapore+65 SG
🇸🇽 Sint Maarten+1721 SX
🇸🇰 Slovakia+421 SK
🇸🇮 Slovenia+386 SI
🇸🇧 Solomon Islands+677 SB
🇸🇴 Somalia+252 SO
🇿🇦 South Africa+27 ZA
🇰🇷 South Korea+82 KR
🇸🇸 South Sudan+211 SS
🇪🇸 Spain+34 ES
🇱🇰 Sri Lanka+94 LK
🇵🇸 State of Palestine+970 PS
🇻🇨 St. Vincent & Grenadines+1784 VC
🇸🇩 Sudan+249 SD
🇸🇷 Suriname+597 SR
🇸🇪 Sweden+46 SE
🇨🇭 Switzerland+41 CH
🇸🇾 Syria+963 SY
🇹🇼 Taiwan+886 TW
🇹🇯 Tajikistan+992 TJ
🇹🇿 Tanzania+255 TZ
🇹🇭 Thailand+66 TH
🇹🇱 Timor-Leste+670 TL
🇹🇬 Togo+228 TG
🇹🇰 Tokelau+690 TK
🇹🇴 Tonga+676 TO
🇹🇹 Trinidad and Tobago+1868 TT
🇹🇳 Tunisia+216 TN
🇹🇷 Turkey+90 TR
🇹🇲 Turkmenistan+993 TM
🇹🇨 Turks and Caicos+1649 TC
🇹🇻 Tuvalu+688 TV
🇺🇬 Uganda+256 UG
🇺🇦 Ukraine+380 UA
🇦🇪 United Arab Emirates+971 AE
🇬🇧 United Kingdom+44 GB
🇺🇸 United States+1 US
🇺🇾 Uruguay+598 UY
🇻🇮 U.S. Virgin Islands+1340 VI
🇺🇿 Uzbekistan+998 UZ
🇻🇺 Vanuatu+678 VU
🇻🇪 Venezuela+58 VE
🇻🇳 Vietnam+84 VN
🇼🇫 Wallis & Futuna+681 WF
🇪🇭 Western Sahara+212 EH
🇾🇪 Yemen+967 YE
🇿🇲 Zambia+260 ZM
🇿🇼 Zimbabwe+263 ZW

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