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📋 NRI Insurance · Step 2 of 5

Health insurance for yourself — cheaper Indian cover, even while you live abroad

Indian health cover for NRIs is a fraction of US individual coverage and starts the waiting-period clock now. Even with overseas cover, an Indian policy is the smart move if you'll ever spend serious time back.

AK
Amish says
The waiting-period clock is what most people miss. Buy 12-24 months before you'd actually need it — by the time you're back in India dealing with anything serious, the PED wait is behind you.

Health insurance for yourself

NRIs can buy Indian health insurance from abroad with a PAN + Indian address (a family member's works). Useful even with overseas cover — your US/UK plan won't pay for routine India care, premiums here are a fraction of US individual coverage, and the waiting period clock is already running if you ever return.

Niva Bupa Aspire
NRI-friendly

Most NRI-accommodating product on the market. Reduced waiting periods, online application end-to-end, no Indian address mandatory for some plans. Aspire flagship gives you ₹10-25L cover with global emergency add-on.

Cover₹5L-₹3Cr
Premium (35yo, ₹10L)₹8-12K/yr
PED wait3 yrs (1yr buyout)
NRI online applyYes
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HDFC Ergo Optima Secure
Premium

India's most-claimed-on policy by value. 2x sum-insured restoration, no claim bonus stacks to 100%, lifetime renewability guaranteed. Best for NRIs who want a "set and forget" with strong claims experience.

Cover₹5L-₹2Cr
Premium (35yo, ₹10L)₹10-14K/yr
PED wait3 yrs
Restore benefit2x
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Star Health Comprehensive
Value

Largest standalone health insurer in India. Star is the budget-conscious choice — wider hospital network, lower premiums, but stricter claim review. Best for NRIs who want maximum cover for the rupee.

Cover₹5L-₹1Cr
Premium (35yo, ₹10L)₹6-9K/yr
PED wait3-4 yrs
Network13,000+ hospitals
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Care Health Care Plus
Quick approval

Religare-backed (now Care Health). Fastest underwriting in the market — most applicants approved in 48 hours. Strong on day-care procedures and OPD add-ons. Decent NRI servicing post-purchase.

Cover₹3L-₹1Cr
Premium (35yo, ₹10L)₹7-10K/yr
PED wait2-3 yrs
Approval48 hrs
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PolicyBazaar Compare
Aggregator

Don't know which to pick? PolicyBazaar lets you compare all Indian insurers side-by-side, with NRI-friendly filters built in. Good for understanding the price spread before locking in. Their team can also handle KYC + paperwork for NRIs.

Use caseSide-by-side compare
Insurers30+ on platform
Phone supportNRI desk
PriceSame as direct
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