Insurance for NRIs · what most get wrong.

You can buy Indian health insurance with NRE funds. Cashless coverage at top hospitals. Most NRIs don't even know this exists.

⚡ Medical hub → 📋 All NRI insurance →

💡 Why NRIs need this. Western policies (US, UK, Canada) typically cover only emergency treatment abroad — not planned procedures. Indian health insurance fills the gap: ₹10–50L/year cover, ~₹15–35K/year premium, cashless treatment at 5,000+ network hospitals across India. Funded from NRE/NRO, claimed in INR.

Top 3 insurers

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Star Health

Top NRI pick

India's largest standalone health insurer. Wide network — 14,000+ cashless hospitals. Family Health Optima covers entire family in one policy. NRIs eligible if you have an Indian address (parents' is fine).

💡 Use Family Health Optima for parents in India + you abroad — premium for ₹10L cover ~₹18-25K/year (4 people).

Health Guard family floater — comprehensive maternity, pre-existing disease cover after 36 months, cashless at top hospitals like Apollo, Fortis, Manipal. Strong claims-settlement reputation.

💡 Bajaj's Health Guard is the safer corporate-style policy — no surprises, smooth claims.

Optima Restore — annual restoration of full sum insured if exhausted. Best digital experience: claims via app, fast cashless approvals at top chains.

💡 Optima Restore worth it for NRIs — if a parent has a major surgery early in the year, the cover restores for any later illness.

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What most NRIs miss: Indian policies pay in INR. If your home-country insurance is being used as primary, the Indian policy reimburses what the foreign insurer doesn't — often the deductible, copay, and "non-emergency" exclusions. Always declare both insurers when admitting.

Insurance for NRIs · what most get wrong.

Top 3 insurers

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