For NRIs visiting India, nothing is as precious as sitting with family, sipping chai, and sharing stories that bring back the old good days. These are timeless moments that remind you of everything you’ve missed, but that can quickly change if a medical emergency suddenly pops up. Having health insurance before you travel will keep you prepared for all possibilities, so you can enjoy your time at home without any worries.
Health services in India can be unpredictable and costly, and simply depending on your foreign health plan often results in gaps when you need coverage. This is why purchasing health insurance for NRIs in India is a smart move for safeguarding oneself and their loved ones.
Why Should NRIs Have Health Insurance When Visiting India?
A trip to India allows NRIs to reunite with their roots and spend quality time with family, and having a health insurance policy can protect you from unexpected medical emergencies. The following are the key reasons for NRIs to consider buying a health insurance plan in India.
Affordable Coverage
NRI health insurance plans go beyond covering only major emergencies, and also cover illnesses, long-stay hospitalisation, major surgery, and even daycare procedures. With the hiked cost of healthcare in private hospitals, this kind of coverage ensures that medical expenses don’t compromise your savings or peace of mind.
Cashless Treatment
Cashless hospitalisation is one of the best advantages provided by indian health insurers. When admitted to a network hospital, you just have to show your health insurance card, and the insurer will settle the approved bills directly with the hospital, thereby saving you from making large payments during emergencies.
Tax benefits
The premium paid for health insurance policies is considered under Section 80D of the Income Tax Act for deduction. These tax benefits make health insurance for NRIs a smart investment that not only secures your health but also supports your long-term financial planning.
Coverage for Family
A health insurance plan in India not just covers you while you’re in India but can also be extended to your parents and loved ones staying home, safeguarding your whole family against unexpected medical expenses.
Lifetime Renewability
Most health insurance policies in India offer lifelong renewability, maintaining continuity of coverage as long as premiums are paid. This makes health insurance a good choice for long-term planning, especially if you visit India frequently or if you consider residing here in the near future.
What Should You Consider While Purchasing Health Insurance for NRIs?
Choosing the best health insurance in India requires more than just looking at the prices of different policies. Here are the features that really count:
Wide Hospital Network
Look for a health insurer offering a wide network of hospitals so that quality healthcare is easily accessible anywhere.
High Claim Settlement Ratio
A high Claim Settlement Ratio (CSR), typically above 95%, indicates that the insurer has a trustworthy history of settling claims. This gives you added assurance that your claims will be processed quickly and paid without hassle.
Coverage for Pre-existing Conditions
Most policies cover chronic illnesses, and the waiting period ranges from 2-4 years. NRIs diagnosed with diabetes, hypertension, or long-standing problems are also eligible. It is crucial to fully disclose all pre-existing conditions to the insurer to avoid claim rejection.
Effortless Digital Management
NRIs require policies that can be managed with ease from abroad. Look out for insurers offering strong online portals or apps for claims, renewals, and tracking.
Mode of Payment
Make sure your health insurance premiums are paid in Indian currency through an Indian bank account such as NRE, NRO, or FCNR. In some cases, a relative residing in India can also make the payment on your behalf in some instances.
Why Travel Insurance Isn’t Enough for NRIs Visiting India?
Travel insurance covers immediate, trip-related mishaps that involve flight delays, lost luggage, or accidents. Travel insurance does not include routine or protection against chronic illnesses. For example, a person suffering from diabetes or hypertension may require routine care or sudden hospitalisation, which will not be covered under travel insurance. Health insurance for NRIs fills this gap by providing cover, so that you are never taken by surprise.
How to Purchase NRI Health Insurance in India from Abroad?
Purchasing health insurance in India while being abroad is now easier thanks to digital processes. Here are the steps you can follow:
Step 1: Select The Right Insurer
Research and look for a trustworthy insurer. After opting for one, visit their website and go to the NRI health insurance plans section.
Step 2: Fill in Your Personal and Health Details
Provide your insurer with your personal details as asked in the application form, such as age, address, contact details, and medical history. Select the sum insured and policy period according to your needs.
Step 3: Review Plan Options
Compare different health insurance plans based on benefits, coverage features, and premiums. This step will help you choose the right type of plan which suits your unique needs and budget.
Step 4: Complete Payment and Upload Required Documents
Make secure digital payments through debit/credit cards, net banking, or any other method available. Upload the required documents, such as proof of identity and address. The insurer issues the policy documents digitally after the completion of the payment.
Conclusion
Visiting home is always a heartfelt experience, filled with nostalgia, joy, and new beginnings. It is also a time to think practically, especially about your healthcare needs. Unexpected medical emergencies can ruin these precious moments, and relying on your foreign health insurance can often turn out to be useless. This issue might make NRIs feel helpless and exposed during health crises. Health insurance for NRIs in India is an important necessity for shielding against these unexpected costs, allowing them to prioritise their family and wellness without worrying about their finances.
Out of the best NRI health insurance plans in India, NRIs recommend Niva Bupa as the most reliable option, which offers comprehensive coverage, fast claim settlement, and easy online management. NIva Bupa’s plans are customised to meet the requirements of the NRIs, making it a trustworthy choice for those planning to visit India.
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