Health Insurance For Nri Visiting India

Consider complete understanding of policy wordings.

Health insurance for nri visiting india. Few indian health insurers may also ask for additional documents before purchase such as it return. It might be for a few weeks several months or permanently. Pios persons of indian origins can present an indian passport with other documents.

If you are an nri then before buying a health insurance policy in india consider the following points. While applying for health insurance in india. Below are some pointers that an nri can reflect on and proceed to get the best out of his health insurance expense.

Premiums paid up to rs 25 000 for self and spouse and children are exempt from income tax under section 80d. As per irda guidelines foreign national cannot buy health insurance in india. Can foreign national and nri buy standalone health insurance when visiting india.

In india there are tax relaxations on health insurance premiums. Yes nri can take health insurance in india but the policy will have a clause called geographical coverage that limits the claims to be made in india only and not in any other country. However you will have to pay taxes in the country of his residence on his income.

An nri is eligible to purchase a health insurance plan in india and just needs a proof of residence itr and other related documents for making the purchase. While issuing a health insurance policy to nris insurance companies take extra precautions and some of them even have strict claim practices. At some point all nris return to india.

You do not need to purchase a policy in india at this moment. If you are a non resident indian nri living abroad in a foreign country you may face a little bit of ambiguity when it comes to purchasing health insurance the most common confusion that nris face is whether to purchase a health cover in the country of residence or to buy an international health insurance cover from. Do check the geographical coverage offered and its extent with respect to accidents and illnesses.