Health Insurance for NRIs in UK

Health Insurance for NRIs in the UK provides medical insurance coverage to NRIs or Non-resident Indians living in the United Kingdom. It covers the healthcare expenses incurred by UK-based NRIs while visiting or staying in India. Moreover, a lot of plans offer worldwide coverage allowing the NRIs to claim the medical expenses incurred in the UK too.

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


      All UK-based NRIs can buy health insurance plans in India for themselves as well as their families. They can purchase health insurance from an India-based insurance company while living in the United Kingdom or during their visit to India. They just need to submit a few documents to prove their Indian citizenship to the insurance company that includes their address proof, latest IT returns, etc.

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

      Check out some of the reasons why NRIs in the UK should buy health insurance from India:

      1. Affordable Premiums

        Health insurance premiums in India are more affordable than in the United Kingdom. This is because the cost of medical facilities is way higher in the UK than in India. Refer to the following table to check the average cost of various medical procedures in India and the UK:

        Cost of Medical Procedures (Approx.) India ($) UK ($)
        Heart Bypass 5,200 10,500
        Heart Valve Replacement 5,500 10,500
        Cardiac Arrest 7,000 15,000
        Knee Replacement 6,200 12,500
        General MRI Scan 100 400
        Cataract Surgery 1,000 3,000
        Liver Transplant 50,000 80,000
        Hip Replacement 7,000 13,800
        Spinal Fusion 6,500 2,000
        Bone Marrow Transplant 50,000 20,000

        Since medical facilities are more expensive in the UK, health insurance naturally becomes more expensive there. Therefore, by buying health insurance from India, NRIs in the UK can save a lot of money.

      2. Worldwide Coverage

        Most health insurance plans for NRIs come with global coverage that pays for hospitalization expenses, maternity expenses and the cost of day care treatment incurred abroad. So, if a UK-based NRI buys health insurance from India, medical expenses incurred in the United Kingdom will also be covered by the insurer.

      3. More Plan Options

        In India, more than 20 IRDAI-registered insurance companies offer health insurance plans. Besides, each insurer offers multiple plans catering to different needs of the people. Thus, UK-based NRIs can get wider plan options in India allowing them to choose the best health insurance for themselves.

      4. GST Refund

        UK-based NRIs can save 18% GST on their health insurance premium purchased in India if they pay taxes in the United Kingdom. They can claim a GST refund from the insurer in India if they purchased a 1-year policy and paid the premium amount from an NRE account. However, they need to submit a declaration, 6 months bank statement of their NRE account and a TRC to get the refund.

      Buy NRI Health Insurance in other Countries
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      How to Buy Health Insurance for NRIs in the UK?

      The following procedure can be followed by NRIs living in the UK to buy health insurance from India:

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

      Step 2: Click on ‘Health Insurance’ and provide your full name & gender

      Step 3: Select the family members to be added to the plan and enter everyone’s age

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

      Step 5: Choose ‘+44’ as the country code for the United Kingdom and provide your phone number

      Step 6: Pick the most suitable option providing details of any existing illnesses of you and your family

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

      Step 8: The health insurance policy will be issued to the NRI living in the UK.

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

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