Health Insurance for NRIs in UAE

Health Insurance for NRIs in the UAE has been designed to offer medical insurance coverage to the NRIs or Non-resident Indians staying in the United Arab Emirates. It covers the cost of medical treatments availed by UAE-based NRIs during their visit or stays in India. Besides, several plans come with international coverage that covers medical expenses incurred in the UAE.

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      Can NRIs in the UAE Buy Health Insurance Plans in India?

      Yes.

      All NRIs residing in the United Arab Emirates can buy health insurance plans from an insurer in India. They can purchase a health policy for not only themselves but also their families while living in the UAE or visiting India. All they need to do is prove their Indian citizenship by submitting a few documents, such as their recent ITR, address proof, etc. to the insurance company.

      Why NRIs in the UAE Should Buy Health Insurance from India?

      Take a look at some of the reasons why NRIs living in the UAE should buy health insurance from India:

      1. Lower Premiums

        NRIs living in the UAE should prefer buying health insurance from India as they are available for much lower premiums than the Arab country. This happens because healthcare services in the UAE are much more costly as compared to India. The following table compares the estimated prices of common medical procedures in India and the UAE:

        Cost of Medical Procedures (Approx.) India ($) UAE ($)
        Heart Bypass 5,200 25,000
        Heart Valve Replacement 5,500 25,000
        Cardiac Arrest 7,000 10,000
        Knee Replacement 6,200 13,000
        General MRI Scan 100 2,500
        Cataract Surgery 1,000 4,000
        Liver Transplant 50,000 30,000
        Hip Replacement 7,000 12,500
        Spinal Fusion 6,500 16,000
        Bone Marrow Transplant 50,000 30,000

        Since most medical facilities are affordable in India, UAE-based NRIs can buy health insurance for lower premiums from India.

      2. GST Refund

        Health insurance premiums in India comprise of a mandatory GST of 18%. However, NRIs who pay tax in the UAE can get a GST refund from their insurers in India provided the policy was purchased for a 1-year tenure and from an NRE account. To claim the GST refund, UAE-based NRIs have to submit a declaration to the insurance company along with the TRC and 6 months bank statement of the NRE account used to buy the policy.

      3. Global Coverage

        Most health insurance plans for NRIs are available with worldwide coverage allowing policyholders to claim overseas healthcare expenses incurred on hospitalization, day care treatments and maternity. So if UAE-based NRIs buy health insurance with global coverage from India, their insurer will cover the medical expenses incurred in both countries.

      4. More Variety of Plans

        NRIs living in the UAE can find a wide variety of health insurance plan options in India as compared to the UAE. This is because more than 20 insurance companies registered with the IRDAI provide health insurance in India. Moreover, every insurer offers multiple plans catering to the specific needs of different customers. Therefore, NRIs can compare several plans together and select the best health plan as per their medical requirements.

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      How to Buy Health Insurance for NRIs in the UAE?

      NRIs in the UAE can follow the steps given below to buy a health insurance policy from India:

      Step 1: Go to Policybzaaar.com and choose the ‘Health Insurance’ option

      Step 2: Choose your gender and write your full name

      Step 3: Select the family members that you want to insure along with their ages

      Step 4: Enter your city of permanent residence in India or pin code

      Step 5: Choose ‘+971’ as the country code for the United Arab Emirates and enter your international mobile number

      Step 6: Pick the appropriate option if you or any of your family members have any existing medical illnesses

      Step 7: Choose the health insurance plan that you want to buy and pay its premium amount online

      Step 8: The insurer will issue the policy to the UAE-based NRI after successful payment.

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

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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. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *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.

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      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.

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