What health insurance do you need as an NRI?
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.
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.
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.
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.
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.
Bajaj Allianz General Insurance's flagship health product. Largest cashless hospital network in India (~10,000+) — useful if you live in or visit Tier-2/3 cities where Niva/Star may be thinner. Lifetime renewability, restoration benefit, mobile-app claim flow.
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.