Health Insurance Premium Discounts for NRI
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Updated on Jul 07, 2025 4 min read
If you are an NRI looking for health insurance plans in 2025, you are at the right place. The good news is that several top Indian insurers offer heavy discounts on NRI health insurance premiums. These exclusive benefits can help you save significantly and ensure access to quality healthcare in India. In this article, we explore how these discounts work, which insurers offer them, eligibility requirements, and how to claim them - all the latest updates.
Learn about eligibility, policy benefits, and top insurers offering premium discounts for NRI health insurance in 2025.
Top Health Insurers Offering NRI Health Insurance Discounts
Indian insurers that are currently offering NRI discounts include brands like,
- HDFC Ergo - 40% discount
- ICICI Lombard - 25% discount
- Star Health - 10% discount
However, the condition is that policyholders should not claim during the policy term.
How Much Can NRIs Save With Discounts On Premiums?
Let us understand this with an example:
Suppose an NRI health plan premium is available at a base premium of INR 45,000. However, if the insurer offers a 40% discount on its premiums, the base premium will be reduced to INR 27,000 at the time of buying a policy. If no claims are made, this discounted rate continues at every renewal.
Why Should NRIs Consider Investing In NRI Health Insurance
Here are the key benefits of investing in NRI health insurance for Non-Resident Indians:
Medical Coverage During Your Visits To India
Provides financial protection during short or extended visits to India, where medical expenses can arise unexpectedly.Access To Quality Healthcare
Enables access to top hospitals and healthcare services in India without financial strain.Lower Premiums Compared to Abroad
NRI Health insurance plans in India often come with significantly lower premiums compared to international policies.Covers Pre-Existing Diseases (After Waiting Period)
Many plans offer coverage for pre-existing conditions after a specified waiting period, which is not always available abroad.Tax Benefits Under Section 80D
Premiums paid for NRI health insurance policies can qualify for tax deductions in India.
What To Consider When Buying NRI Health Insurance?
Before investing in NRI health plans, consider the following factors:
Assess Your Needs
Determine if the policy is for you alone or also for your family in India. Additionally, consider how often you visit India and the duration of your stay. Check for coverage of specific conditions (e.g., critical illness, maternity, pre-existing diseases).
Research NRI-Specific Health Insurance Plans
Look for Indian insurance companies that offer plans tailored for NRIs. You must ensure the plan covers treatments in India and fits your travel schedule. Before purchasing, compare premiums, features, exclusions, network hospitals, and claim processes.
Consider Eligibility
Confirm you are eligible as an NRI (you may need to provide proof of residence abroad). Some insurers require NRIs to be present in India during policy issuance or medical tests.
Choose and Customise Your Plan
Select coverage amount, add-ons (like critical illness or personal accident), and policy tenure. Based on needs, choose between individual or family floater options.
Network Hospitals
Consider the network hospitals available with your NRI health insurance plan to avail of quick and hassle-free medical care services.
How To Buy NRI Health Insurance In India?
Mentioned below is a step-by-step guide on how NRIs can buy an ideal health plan
- Visit PolicyX health insurance
- Choose your ideal Health Insurance company and get in touch with the insurer
- Understand their terms and conditions, inclusions, exclusions, and eligibility criteria
- Submit the required documents such as Passport number, Permanent Account Number (PAN) details
- Undergo medical tests required (if any) by the insurer.
- Pay the premium that applies to your policy.
- Once the payment is confirmed, you will receive the policy details at your registered email address.
How To File NRI Health Insurance Claims?
Follow these simple steps to file a health claim for NRI insurance
Cashless Claims
- Step 1 - Visit the TPA desk and fill out the pre-authorized form.
- Step 2 - Show your health insurance card and passport/NRI proof at the hospital’s TPA desk.
- Step 3 - Submit all the necessary documents like hospital discharge summary, doctor’s prescription, diagnostics, and other required documents.
- Step 4 - After filing the necessary documents, your health insurer will verify all the details with the hospital.
- Step 5 - Once your claim is verified, the cashless claim will be settled directly between the insurer and the hospital.
Reimbursement Claims
- Step 1 - Notify your health insurance provider about your hospitalization within 24 hours of emergency hospitalization, and 48 hours before a planned hospitalization.
- Step 2 - Pay the hospital bills upfront
- Step 3 - Collect all important documents like discharge summary, hospital bills, pharmacy bills, and more.
- Step 4 - Fill out the reimbursement form online with the official website of your insurance provider and attach all the documents required.
- Step 5 - Once the claim is verified by your health insurance provider, the coverage amount as per sub-limits will be reimbursed to you.
Conclusion
NRI health insurance is an essential asset. Investing in an NRI health insurance policy may seem like an added expense, but the premium you pay is a small price for the peace of mind and financial protection it offers. With rising healthcare costs in India and the unpredictability of medical emergencies during visits, a well-chosen policy ensures you’re covered without draining your savings. Moreover, the lower premiums compared to international policies, tax benefits, and access to top-tier medical facilities make NRI health insurance a smart and forward-thinking investment. It’s not just about coverage, it’s about security, convenience, and care when you need it most.
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Health Insurance Premium Discounts for NRI: FAQs
1. What is NRI health insurance in India?
NRI health insurance is the health insurance policy offered by Indian insurers to Non-Resident Indians, covering medical expenses incurred in India and, in some cases, abroad, depending on the policy terms.
2. Can NRIs buy health insurance in India?
Yes, NRIs can buy health insurance in India, provided they are in the country at the time of policy issuance. Many insurers also offer policies specifically tailored to NRIs.
3. Who is eligible for NRI health insurance in India?
If you are between 18 to 65 years and hold NRI status with an NRE/NRO account in India, you are eligible for NRI health plans.
4. Is the premium for NRI health insurance higher than for residents?
Premiums are usually similar but may vary based on age, location, and health condition. Some insurers may charge slightly higher rates for overseas risk cover.
5. Can NRIs insure their parents in India?
NRIs can purchase Indian health insurance plans for their parents residing in India and claim tax deductions if they pay the premium.
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Written By: Simran Kaur Vij
Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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