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Health Insurance for NRIs in US
Health Insurance for NRIs in the US has been designed to provide medical coverage to non-resident Indians or NRIs living in the United States of America. It covers the medical expenses incurred by NRIs during their visit to India from the US. In fact, some health insurance plans for NRIs also come with global coverage and cover healthcare expenses incurred in the US.
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Maximum child sum can be 4
Can NRIs in the US Buy Health Insurance Plans in India?
Yes.
All NRIs living in the US can buy health insurance plans from an insurance company in India. Whether they are visiting India or staying in the US, they can purchase health insurance for themselves as well as their families. All they need to do is to provide relevant documents to the insurance company to prove their Indian citizenship at the time of buying the plan, such as recent ITR, address proof, etc.
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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Why NRIs in the US Should Buy Health Insurance from India?
Here are some of the reasons why NRIs living in the US should buy health insurance from India:
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Lower Premiums
The cost of buying health insurance from India is more affordable than buying it from the US. This is because healthcare facilities in the US are much more expensive than in India. Take a look at the following table to check the stark difference between medical procedure costs in India and the US:
Cost of Medical Procedures (Approx.) India ($) US ($) Heart Bypass 5,200 144,000 Heart Valve Replacement 5,500 170,000 Cardiac Arrest 7,000 50,000 Knee Replacement 6,200 50,000 General MRI Scan 100 750 Cataract Surgery 1,000 2,500 Liver Transplant 50,000 300,000 Hip Replacement 7,000 50,000 Spinal Fusion 6,500 100,000 Bone Marrow Transplant 50,000 250,000 Besides, a person in the US pays an average of $8,000 for medical insurance per annum, while the same can be purchased in India for an average of Rs 10,000 per annum. Thus, NRIs can save a lot of money by buying a health policy from India as premiums are lower than the US.
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Wider Plan Options
In India, more than 20 insurance companies registered with the Insurance Regulatory & Development Authority of India (IRDAI) offer health insurance plans. This gives NRIs an option to choose from a wide range of health plans designed to meet the requirements of different individuals. Thus, NRIs from the US can compare different plans and make an informed decision to choose the right health policy as per their health needs and preference.
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Worldwide Coverage
Several health insurance plans in India offer worldwide coverage for hospitalization, day care procedure and maternity expenses. So if an NRI living in the US buys health insurance from India, the insurer will cover such medical expenses incurred in India as well as in the US.
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GST Refund
NRIs who are paying taxes in the US do not have to pay a GST of 18% as part of their health insurance premium while buying medical insurance from India. Such people can claim a GST refund from their insurer in India provided the policy was for a 1-year tenure and purchased from an NRE account. They just need to submit their TRC and 6 months NRE bank account statement along with a declaration to get a refund.
Buy NRI Health Insurance in other Countries
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How to Buy Health Insurance for NRIs in the US?
NRIs living in the US can follow the steps given below to buy health insurance from India:
Step 1: Visit the official website of Policybazaar Insurance Brokers Private Limited
Step 2: Go to ‘Health Insurance’ and provide your name & gender details
Step 3: Choose the family members you want to include in your policy along with their age
Step 4: Enter your Indian city of permanent residence
Step 5: Select ‘+1’ as the country code for the USA and enter your phone number
Step 5: Pick the suitable option if you or your family members suffer from pre-existing diseases
Step 6: Select the desired health plan and pay its premium amount online
Step 7: The insurer will issue health insurance to the NRI living in the US.
Health insurance companies
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.
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##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.
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