Health Insurance for NRIs in South Africa

Health Insurance for NRIs in South Africa provides financial coverage to NRIs or non-resident Indians staying in South Africa. It pays for the medical treatments availed by NRIs for planned and unforeseen medical expenditures during their stays or visit to India. Moreover, some NRI health plans also cover overseas medical expenses, including those incurred in South Africa.

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      Can NRIs in South Africa Buy Health Insurance Plans in India?

      Yes.

      All NRIs in South Africa can purchase health insurance from an insurance company in India. They can choose to buy the health policy online for themselves and their families while staying in South Africa or visiting India. However, they must submit proof of their Indian citizenship to the Indian insurance company by providing documents, like recent ITR and address proof.

      Why NRIs in South Africa Should Buy Health Insurance from India?

      Take a look at some of the reasons why NRIs in South Africa should buy health insurance from India:

      1. Lower Premiums

        Healthcare services in South Africa tend to be more efficient but costlier as compared to India. Consequently, insurance companies in South Africa charge a higher premium than those in India. Therefore, NRIs living in South Africa can save money by buying health insurance from an insurer in India.

      2. Multiple Plan Options

        India has a network of more than 20 insurance companies registered with IRDAI that offer different kinds of health insurance plans. Thus, NRIs residing in South Africa can choose the best policy from a broader range of health plans to fulfil their medical requirements. 

      3. GST Refund

        In India, all insurance companies charge an 18% GST as part of their health insurance premium. But NRIs in South Africa do not have to pay the GST if they already pay tax in the African country. In case they have, NRIs can claim a full GST refund from the insurance company in India, provided the policy was purchased from an NRE account and for a 1-year tenure. Moreover, they must submit the NRE bank statement for the last 6 months, a TRC and a declaration to avail the refund.

      4. Global Coverage

        Some medical insurance plans in India offer global coverage to NRIs for medical expenses incurred on hospitalization, maternity and day care treatments. So by buying health insurance from an insurer in India, South Africa-based NRIs can get medical coverage in India and abroad.

      Buy NRI Health Insurance in other Countries
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      How to Buy Health Insurance for NRIs in South Africa?

      Check out the steps that NRIs in South Africa can follow to buy health insurance from India:

      Step 1: Log in to Policybazaar.com and go to the ‘Health Insurance’ icon

      Step 2: Write your full name and select your gender

      Step 3: Choose whom to insure with yourself and provide everyone’s age

      Step 4: Enter your city of residence in India or its pin code

      Step 5: Select ‘+27’ as the country code for South Africa and enter your mobile number

      Step 6: Pick a suitable option providing details of your and your family member’s medical history

      Step 7: Choose the medical insurance plan that you want to purchase and pay the final premium

      Step 8: The insurer will issue the health policy to the NRI residing in South Africa.

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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

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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