1 Cr Health Insurance for NRI

1 Cr health insurance for NRI provides health insurance plans to Non-resident Indians (NRIs) with a sum insured of Rs 1 crore. It helps the insured to pay for costly medical treatments required for a critical illness or terminal illness, such as cancer, organ transplant, etc. A 1 Cr health insurance policy is most suitable for NRIs who have a big family or come from a family history of a critical illness.

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Policybazaar exclusive benefits
  • On ground claims support(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Best 1 Cr Health Insurance for NRI in India

      Take a look at the list of best 1 Cr health insurance plans that NRIs can buy in India:

      Health Insurance Plans for NRIs Entry Age Coverage Benefits Global Coverage
      Care Health Insurance Adult – 18 years onwards
      Child – 5 years to 25 years (Individual plan),
      91 days to 25 years (Floater plan)
      • Annual health check-up
      • Hospitalization expenses
      • Alternative treatments
      • Second opinion
      • Maternity cover
      Available
      ManipalCigna Lifetime Health Plan Adult – 18 to 65 years
      Child – 91 days to 25 years
      • Global hospitalization for major illness
      • In-patient AYUSH hospitalization
      • Global robotic & cyber knife surgery
      • Premium waiver benefit
      • Annual adult health check-ups
      Available under the Global plan
      ManipalCigna ProHealth Prime Protect/Advantage Plan  Adult – 18 years onwards
      Child – 91 days to 25 years
      • Hospitalization expenses
      • AYUSH treatment
      • Teleconsultation
      • Switch off benefit
      • Premium waiver benefit
      Available with the Freedom rider
      Niva Bupa Health Premia Platinum Plan Adult – 18 to 65 years
      Child – 91 days to 30 years
      • OPD treatment & diagnostic services
      • Hospitalization expenses
      • Emergency assistance services
      • Maternity benefit
      • Annual health check-ups from day 1
      Available
      Reliance Health Infinity Plan Adult – 18 years to 65 years
      Child – 91 days to 25 years
      • In-patient care
      • AYUSH benefit
      • Transportation benefit
      • Emergency ambulance cover
      • Special treatments
      Available with More Global cover
      Tata AIG MediCare Premier Plan Adult – 18 to 65 years
      Child – 91 days onwards
      • Home treatment cover
      • OPD treatment
      • Hospitalization expenses
      • Consumables benefit
      • High-end diagnostic benefit
      Available for planned hospitalization

      Benefits of Buying 1 Cr Health Insurance for NRI

      Here are some of the key benefits that NRIs can avail by buying a 1 Cr health insurance plan:

      1. Appropriate Coverage for Critical Illnesses

        The treatment of a critical illness is expensive and usually continues for a long time. A health plan with a lower sum insured may be insufficient to cover these treatments but a 1 Cr health insurance policy will be able to cover the cost of these medical treatments appropriately.

      2. Sufficient Coverage for Large Families

        Health insurance plans with a lower sum insured may not be enough to cover the medical expenses of a large family. However, if the NRI opts for a 1 Cr health insurance plan, the sum insured will be sufficient to cover the medical expenditures of a large family.

      3. Beat the Medical Inflation

        The cost of medical treatments in India has increased tremendously in the last decade, thanks to medical inflation. A major surgery in India can easily cost lakhs of rupees to the NRI and the amount is bound to increase with pre & post-hospitalization expenses. In such a case, buying a 1 Cr health insurance policy will help you to beat medical inflation without burning a hole in your pockets.

      Buy NRI Health Insurance in other Countries
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      How to Buy 1 Cr Health Insurance for NRI?

      NRIs can follow the steps given below to buy a 1 Cr health insurance policy:

      Step 1: Go to the website of Policybazaar Insurance Broker Private Limited

      Step 2: Select ‘Health Insurance’ and provide your name & gender details

      Step 3: Pick the family members to be insured in the 1 Cr plan and enter their age

      Step 4: Enter your international phone number and the city of your permanent residence in India 

      Step 5: Choose the appropriate option if you or your family members are suffering from pre-existing diseases

      Step 6: Click on the ‘Cover’ option in the Quick Filters menu and choose ‘Rs 1 crore’

      Step 7: Among the plans listed, choose the health plan you want to buy

      Step 8: Pay the 1 Cr health insurance premium online

      Step 9: The insurance company will issue 1 Cr health insurance to the NRI.

      Note: NRI customers can get a GST refund if the policy was purchased from an NRE account and for a 1-year tenure. All they need to do is to submit a declaration, TRC and a 6 months bank statement of the NRE account used to pay the premium.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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