5 Lakh Health Insurance for NRI

5 Lakh health insurance for NRI provides medical insurance coverage to NRIs or Non-resident Indians with Rs 5 lakh sum insured. It pays for the healthcare treatments and facilities availed by the NRIs, such as OPD consultations, hospitalization expenses, AYUSH hospitalization, health check-up benefits, etc. The plan has been designed for NRIs seeking basic medical coverage at pocket-friendly prices.

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      Benefits of Buying 5 Lakh Health Insurance for NRI

      Take a look at some of the key benefits of buying 5 lakh health insurance for NRIs:

      1. Low Premiums

        The best part about buying a 5 lakh health insurance policy is that the premium payable is minimal and, thus, affordable. This happens because medical insurance premium depends on the sum insured opted by the policyholder. Since Rs 5 lakh is a small sum insured amount, the premium charged by the insurer is also low. 

      2. Basic Health Coverage

        All NRIs should have medical insurance covering them against costly medical treatments. A 5 lakh health insurance policy provides basic medical coverage to NRIs who want to spend less on premiums but safeguard their hard-earned savings.

      3. Ideal for Occasional Travellers

        A 5 lakh health insurance policy is ideal for NRIs who rarely visit India and wish for basic coverage against unforeseen medical expenses. Besides, buying a health plan with a high sum insured will make no sense for such NRIs. Hence, they can ensure medical coverage without spending much on premiums by opting for a health policy with a small sum insured of Rs 5 lakh. 

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      How to Buy 5 Lakh Health Insurance for NRI?

      Here are the steps that NRIs can follow to buy a 5 lakh health insurance plan:

      Step 1: Visit Policybazaar’s website and select ‘Health Insurance’

      Step 2: Choose your gender and provide your full name

      Step 3: Select the family members you want to insure and fill in their ages in the space provided

      Step 4: Name the residence city in India or enter its pin code

      Step 5: Provide your international phone number

      Step 6: Pick the suitable option providing details of your and your family’s existing illnesses

      Step 7: In the Quick Filters menu, click on the ‘Cover’ tab and select the ‘Rs 5-10 lakh’ option

      Step 8: Choose the health plan that you wish to purchase and make the premium payment

      Step 9: The insurance company will issue the 5 lakh 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.

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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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