3 Cr Health Insurance for NRI

Best 3 Cr Health Insurance for NRI in India

Here is the list of the best 3 Cr health insurance plans in India that NRIs can consider buying:

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-ups Ambulance cover In-patient care Maternity cover Alternative treatments	Available
Care Advantage Plan	Adult – 18 years onwards Child - 5 years to 25 years (Individual plan), 91 days to 25 years (Floater plan)	AYUSH treatment Pre-post hospitalization expenses Health services Ambulance cover Automatic recharge benefit	Not Available
ManipalCigna Lifetime Health Plan	Adult – 18 to 65 years Child – 91 days to 25 years	Hospitalization expenses Road ambulance cover Mental care cover Global pre-post hospitalization expenses Robotic & cyber knife surgery	Available under the Global plan
Niva Bupa Health Premia Platinum Plan	Adult – 18 to 65 years Child – 91 days to 30 years	Maternity benefit In-patient treatment OPD treatment & diagnostic services Laser surgery cover Emergency assistance services	Available
Reliance Health Infinity Plan	Adult – 18 years to 65 years Child – 91 days to 25 years	Pre-post hospitalization expenses Day care procedures AYUSH benefit Special treatments Transportation benefit	Available with More Global cover
Tata AIG MediCare Premier Plan	Adult – 18 to 65 years Child – 91 days onwards	OPD treatment Hospitalization expenses Prolonged hospitalization benefit Consumables benefit Home care treatment	Available for planned hospitalization

Choose health insurance coverage for NRIs

₹5 Lakh

Health insurance for NRIs

₹10 Lakh

Health insurance for NRIs

₹20 Lakh

Health insurance for NRIs

₹50 Lakh

Health insurance for NRIs

₹1 Crore

Health insurance for NRIs

₹2 Crore

Health insurance for NRIs

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Benefits of Buying 3 Cr Health Insurance for NRI

Check out the benefits of buying a 3 Cr health insurance plan for NRIs:

Ideal for Large Families

NRIs with large families may find health plans with a lower sum insured insufficient to cover the medical expenses of all family members. This is because elderly people are highly prone to age-related ailments and critical diseases and thus, may raise frequent claims making the sum insured scarce for other family members. Therefore, they should consider buying the best health insurance for NRI in India with a sum insured of Rs 3 crore to ensure coverage for the entire family.
Sufficient for Critical Illness Coverage

Critical illnesses are lifestyle diseases that involve expensive and long-term treatments. As a result, health insurance for NRI in India with a lower sum insured may not be enough to cover the treatment cost of these diseases. Hence, NRIs should prefer buying a 3 Cr health insurance plan to ensure extensive coverage for critical diseases.
Beat Medical Inflation

Medical inflation is at an all-time high in India making healthcare expenses difficult to afford. In fact, health insurance with a lower sum insured will be able to provide limited coverage only. But if an NRI purchases a 3 Cr health insurance policy, the amount will be enough to beat medical inflation and offer comprehensive coverage.

Buy NRI Health Insurance in other Countries

Canada

Kuwait

Malaysia

Oman

Qatar

Saudi Arabia

Singapore

South Africa

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How to Buy 3 Cr Health Insurance for NRI?

Take a look at the steps that NRIs can follow to buy a 3 Cr health insurance plan:

Step 1: Visit the website of Policybazaar Insurance Brokers Private Limited

Step 2: Select the ‘Health Insurance’ option and enter your full name & gender

Step 3: Pick the family members to be added to the plan along with their ages

Step 4: Enter the city or pin code of your permanent residence in India and your overseas phone number

Step 5: Choose the appropriate option to provide details of any existing illnesses

Step 6: From the ‘Quick Filters’ menu bar, click on ‘Cover’ and choose the ‘Rs 1-6 Cr’ option

Step 7: Pick the 3 Cr health insurance plan for NRI that you wish to buy and pay its premium amount

Step 8: The insurer will issue the 3 Cr health insurance policy 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