Buying Health Insurance in India: What NRIs Need to Know

Buying Health Insurance in India: What NRIs Need to Know

If you’re an NRI visiting India, you're enjoying quality time with your family, savouring the delicious flavours of Indian cuisine, and soaking in the vibrant culture. But amidst all the joy and excitement, there might be unforeseen medical emergencies. Such situations can catch you off guard and might lead to unexpected expenses, making it essential for you to consider insurance health India coverage to stay secure during your visit.

As an NRI, you might be dicey if the health insurance of India offers coverage for expats. If this is what you are wondering, this article is for you.

Can NRIs Buy Health Insurance in India?

The first question that pops into your mind is whether NRIS can buy a health plan in India? The answer is Yes, NRIs (Non-Resident Indians) can purchase health insurance in India. Let us see what you need as an NRI to get an Indian health insurance plan:

Valid Indian Passport  

A valid Indian passport is the primary proof of identity and nationality. It also confirms your eligibility to buy an Indian health insurance policy.

Proof of NRI Status  

Documents like a valid visa, work permit, or overseas address proof help establish your NRI status. This assures insurers that you reside abroad but retain Indian citizenship.

NRE/NRO Bank Account  

Premium payments must be made in Indian Rupees through an NRE (Non-Resident External) or NRO (Non-Resident Ordinary) account. These accounts are compliant with Indian financial regulations for NRIs.

Medical Tests

Insurers may request medical check-ups based on your age, pre-existing conditions, and coverage amount. This helps in risk assessment and accurate premium calculation.

Indian Address (Optional)  

While not always mandatory, some insurers request a local Indian address for policy correspondence. This could be your permanent family home or a local point of contact.

Completed Proposal Form  

The proposal form collects personal, medical, and lifestyle details. Accurate information is important to avoid claim issues in the future.

Why Is It Important for NRIs to Have Health Insurance in India?

Let us take a look at some important reasons why insurance is so important, especially for NRIs who may frequently travel to or stay in India for extended periods.

Strategic Planning for Future Relocation

Many NRIs eventually plan to return to India, whether for retirement, work, or family commitments. Having a long-standing health insurance of India policy ensures continuity of coverage, helps avoid age-related premium hikes later, and reduces the risk of denial due to pre-existing conditions if you wait too long to buy.

Customised Coverage for Indian Healthcare Infrastructure

Policies tailored to India are designed to meet the actual treatment costs in Indian hospitals, including costs of common procedures, room rent limits, and day-care treatments. This makes insurance health India plans more relevant and efficient for on-ground medical needs.

Better Access to Indian Alternative Medicine Systems

India is home to globally respected alternative healing systems like Ayurveda, Siddha, and homoeopathy. Many Indian health insurance plans include coverage for these under AYUSH treatments, something that’s often unavailable or excluded in international policies.

Peace of Mind for Short-term Trips

Even if you’re visiting India only for a few weeks, an Indian policy can serve as a temporary safety net in case of unexpected scenarios like accidents, food poisoning, or other health issues. Some insurers offer short-term health plans or top-up covers, which are ideal for such needs.

What Should NRIs Watch Out for When Buying Health Insurance in India?

When choosing health insurance in India as an NRI, it’s important to be aware of potential limitations that could impact your coverage. Here are a few things to watch out for before you finalise your plan.

Geographic Exclusions: Many policies don’t cover treatments taken outside India unless specified.

Currency Confusion: Claims are settled in INR, not foreign currencies.

Waiting Periods: Like Indian residents, NRIs are subject to waiting periods for pre-existing conditions and maternity.

Communication Gaps: Not all insurers offer 24/7 international customer support; look for those who do.

How to Apply for Indian Health Insurance as an NRI

Applying for health insurance in India as an NRI is a simple process, but it requires careful attention to documentation and policy selection. Here's a step-by-step guide to help you navigate it smoothly.

Choose the Right Policy: Compare plans using trusted aggregators or consult an insurance advisor who understands the insurance health India space.

Submit Necessary Documents: When applying for health insurance, you will be required to submit documents like PAN, Aadhaar, passport, and address proof.

Medical Examination: You may need to undergo a health checkup at an approved diagnostic centre in India. However, this is not always mandatory and varies depending on the insurer.

Make Payment: Lastly, make the payment. You can also pay premiums through NRE/NRO accounts or international credit cards.

Conclusion

Buying insurance health India as an NRI is not just a smart financial decision; it's a step toward ensuring peace of mind and long-term healthcare security. Whether you're preparing for a future return to India or simply want to support loved ones from afar, a comprehensive plan can offer tremendous value. With the right approach, you can make the most of the health insurance of India, securing your health and that of your family for years to come.

Niva Bupa can be your best option if you are looking for a trustworthy insurer. They offer extensive health insurance plans with affordable premiums, and a wide network of hospitals, which reduces your financial burden. They ensure that you and your family remain protected in unforeseen medical emergencies. Go and check their website for various available options today!