3 Cr Health Insurance for NRI

3 Cr health insurance for NRI refers to health insurance plans that offer Non-resident Indians with a sum insured of Rs 3 crore. It is designed to cover costly medical expenses incurred on the treatment of critical diseases, such as cancer, stroke, heart diseases, etc. The plan is ideal for people who come from a large family or have a family history of any critical illness.

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

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      Best 3 Cr Health Insurance for NRI in India

      Here is the list of the best 3 Cr health insurance plans in India that NRIs can consider buying:

      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-ups
      • Ambulance cover
      • In-patient care
      • Maternity cover
      • Alternative treatments
      Available
      Care Advantage Plan Adult – 18 years onwards
      Child - 5 years to 25 years (Individual plan),
      91 days to 25 years (Floater plan)
      • AYUSH treatment
      • Pre-post hospitalization expenses
      • Health services
      • Ambulance cover
      • Automatic recharge benefit
      Not Available
      ManipalCigna Lifetime Health Plan Adult – 18 to 65 years
      Child – 91 days to 25 years
      • Hospitalization expenses
      • Road ambulance cover
      • Mental care cover
      • Global pre-post hospitalization expenses
      • Robotic & cyber knife surgery
      Available under the Global plan
      Niva Bupa Health Premia Platinum Plan Adult – 18 to 65 years
      Child – 91 days to 30 years
      • Maternity benefit
      • In-patient treatment
      • OPD treatment & diagnostic services
      • Laser surgery cover
      • Emergency assistance services
      Available
      Reliance Health Infinity Plan Adult – 18 years to 65 years
      Child – 91 days to 25 years
      • Pre-post hospitalization expenses
      • Day care procedures
      • AYUSH benefit
      • Special treatments
      • Transportation benefit
      Available with More Global cover
      Tata AIG MediCare Premier Plan Adult – 18 to 65 years
      Child – 91 days onwards
      • OPD treatment
      • Hospitalization expenses
      • Prolonged hospitalization benefit
      • Consumables benefit
      • Home care treatment
      Available for planned hospitalization

      Benefits of Buying 3 Cr Health Insurance for NRI

      Check out the benefits of buying a 3 Cr health insurance plan for NRIs:

      1. Ideal for Large Families

        NRIs with large families may find health plans with a lower sum insured insufficient to cover the medical expenses of all family members. This is because elderly people are highly prone to age-related ailments and critical diseases and thus, may raise frequent claims making the sum insured scarce for other family members. Therefore, they should consider buying the best health insurance for NRI in India with a sum insured of Rs 3 crore to ensure coverage for the entire family.

      2. Sufficient for Critical Illness Coverage

        Critical illnesses are lifestyle diseases that involve expensive and long-term treatments. As a result, health insurance for NRI in India with a lower sum insured may not be enough to cover the treatment cost of these diseases. Hence, NRIs should prefer buying a 3 Cr health insurance plan to ensure extensive coverage for critical diseases.

      3. Beat Medical Inflation

        Medical inflation is at an all-time high in India making healthcare expenses difficult to afford. In fact, health insurance with a lower sum insured will be able to provide limited coverage only. But if an NRI purchases a 3 Cr health insurance policy, the amount will be enough to beat medical inflation and offer comprehensive coverage.

      Buy NRI Health Insurance in other Countries
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      How to Buy 3 Cr Health Insurance for NRI?

      Take a look at the steps that NRIs can follow to buy a 3 Cr health insurance plan:

      Step 1: Visit the website of Policybazaar Insurance Brokers Private Limited

      Step 2: Select the ‘Health Insurance’ option and enter your full name & gender

      Step 3: Pick the family members to be added to the plan along with their ages

      Step 4: Enter the city or pin code of your permanent residence in India and your overseas phone number

      Step 5: Choose the appropriate option to provide details of any existing illnesses

      Step 6: From the ‘Quick Filters’ menu bar, click on ‘Cover’ and choose the ‘Rs 1-6 Cr’ option

      Step 7: Pick the 3 Cr health insurance plan for NRI that you wish to buy and pay its premium amount

      Step 8: The insurer will issue the 3 Cr health insurance policy 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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