Health Insurance for NRIs in Canada

Health Insurance for NRIs in Canada has been designed to offer health coverage to NRIs or Non-resident Indians residing in Canada. It covers the medical expenses incurred by Canada-based NRIs during their visits or stays in India. Besides, some plans also cover health expenses incurred outside India, including Canada.

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      Can NRIs in Canada Buy Health Insurance Plans in India?


      All NRIs residing in Canada can purchase a health insurance policy from an insurance company in India. They can buy medical insurance for themselves and their families from Canada or while visiting India. However, they do need to prove their Indian citizenship to their insurer by submitting relevant documents, such as address proof, the latest ITR, etc.

      Why NRIs in Canada Should Buy Health Insurance from India?

      Check out some of the reasons why Canada-based NRIs should buy health insurance from India:

      1. Affordable Premiums

        Health insurance plans are available for a lower premium in India than in Canada. This is because healthcare services are costly in Canada, which, in turn, poses a bigger financial burden on the insurance provider. As a result, health insurance premiums are more expensive in Canada but are comparatively affordable in India.

      2. Worldwide Coverage

        Several health insurance plans available in India offer worldwide coverage for in-patient hospitalization expenses, maternity expenses and day care treatments. Thus, by buying a health policy from India, NRIs can also obtain coverage for medical costs incurred in Canada.

      3. GST Refund

        NRIs do not have to pay GST as part of their health insurance premiums in India if they pay tax in Canada. If they have paid the GST, they can get a full refund from their health insurance company in India, provided the policy was for a 1-year tenure, and the premium was paid using an NRE account. However, they do need to submit their TRC, a declaration and the NRE account bank statement for the last 6 months to get the refund.

      4. Larger Variety of Plans

        Health insurers in India offer a wide range of insurance plans catering to the needs of different individuals. As a result, NRIs living in Canada can choose the best health policy as per their needs after comparing multiple plans from more than 20 IRDAI-registered insurers.

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      How to Buy Health Insurance for NRIs in Canada?

      Take a look at the steps that NRIs in Canada can follow to buy health insurance from India:

      Step 1: Go to and click on ‘Health Insurance’

      Step 2: Select your gender and write your full name

      Step 3: Choose the family members you want to insure and provide their age details

      Step 4: Enter your city of residence in India and provide your pin code

      Step 5: Pick ‘+1’ as the country code for Canada from the dropdown menu and enter your mobile number

      Step 6: Answer the question about any existing medical illness that you or your family members have

      Step 7: Select the health plan that you want to buy and pay the premium online

      Step 8: The insurer will issue health insurance to the Canada-based NRI on successful premium payment.

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

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