1 Cr Health Insurance for NRI

Best 1 Cr Health Insurance for NRI in India

Take a look at the list of best 1 Cr health insurance plans that NRIs can buy in India:

Health Insurance Plans for NRIs	Entry Age	Coverage Benefits	Global Coverage
Care Health Insurance	Adult – 18 years onwards Child – 5 years to 25 years (Individual plan), 91 days to 25 years (Floater plan)	Annual health check-up Hospitalization expenses Alternative treatments Second opinion Maternity cover	Available
ManipalCigna Lifetime Health Plan	Adult – 18 to 65 years Child – 91 days to 25 years	Global hospitalization for major illness In-patient AYUSH hospitalization Global robotic & cyber knife surgery Premium waiver benefit Annual adult health check-ups	Available under the Global plan
ManipalCigna ProHealth Prime Protect/Advantage Plan	Adult – 18 years onwards Child – 91 days to 25 years	Hospitalization expenses AYUSH treatment Teleconsultation Switch off benefit Premium waiver benefit	Available with the Freedom rider
Niva Bupa Health Premia Platinum Plan	Adult – 18 to 65 years Child – 91 days to 30 years	OPD treatment & diagnostic services Hospitalization expenses Emergency assistance services Maternity benefit Annual health check-ups from day 1	Available
Reliance Health Infinity Plan	Adult – 18 years to 65 years Child – 91 days to 25 years	In-patient care AYUSH benefit Transportation benefit Emergency ambulance cover Special treatments	Available with More Global cover
Tata AIG MediCare Premier Plan	Adult – 18 to 65 years Child – 91 days onwards	Home treatment cover OPD treatment Hospitalization expenses Consumables benefit High-end diagnostic benefit	Available for planned hospitalization

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₹5 Lakh

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₹10 Lakh

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₹20 Lakh

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₹50 Lakh

Health insurance for NRIs

₹1 Crore

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₹2 Crore

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Benefits of Buying 1 Cr Health Insurance for NRI

Here are some of the key benefits that NRIs can avail by buying a 1 Cr health insurance plan:

Appropriate Coverage for Critical Illnesses

The treatment of a critical illness is expensive and usually continues for a long time. A health plan with a lower sum insured may be insufficient to cover these treatments but a 1 Cr health insurance policy will be able to cover the cost of these medical treatments appropriately.
Sufficient Coverage for Large Families

Health insurance plans with a lower sum insured may not be enough to cover the medical expenses of a large family. However, if the NRI opts for a 1 Cr health insurance plan, the sum insured will be sufficient to cover the medical expenditures of a large family.
Beat the Medical Inflation

The cost of medical treatments in India has increased tremendously in the last decade, thanks to medical inflation. A major surgery in India can easily cost lakhs of rupees to the NRI and the amount is bound to increase with pre & post-hospitalization expenses. In such a case, buying a 1 Cr health insurance policy will help you to beat medical inflation without burning a hole in your pockets.

Buy NRI Health Insurance in other Countries

Canada

Kuwait

Malaysia

Oman

Qatar

Saudi Arabia

Singapore

South Africa

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How to Buy 1 Cr Health Insurance for NRI?

NRIs can follow the steps given below to buy a 1 Cr health insurance policy:

Step 1: Go to the website of Policybazaar Insurance Broker Private Limited

Step 2: Select ‘Health Insurance’ and provide your name & gender details

Step 3: Pick the family members to be insured in the 1 Cr plan and enter their age

Step 4: Enter your international phone number and the city of your permanent residence in India

Step 5: Choose the appropriate option if you or your family members are suffering from pre-existing diseases

Step 6: Click on the ‘Cover’ option in the Quick Filters menu and choose ‘Rs 1 crore’

Step 7: Among the plans listed, choose the health plan you want to buy

Step 8: Pay the 1 Cr health insurance premium online

Step 9: The insurance company will issue 1 Cr health insurance to the NRI.

Note: NRI customers can get a GST refund if the policy was purchased from an NRE account and for a 1-year tenure. All they need to do is to submit a declaration, TRC and a 6 months bank statement of the NRE account used to pay the premium.

Health insurance companies

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in