Health Insurance for NRIs in US

Health Insurance for NRIs in the US has been designed to provide medical coverage to non-resident Indians or NRIs living in the United States of America. It covers the medical expenses incurred by NRIs during their visit to India from the US. In fact, some health insurance plans for NRIs also come with global coverage and cover healthcare expenses incurred in the US.

Read More

Policybazaar exclusive benefits
  • On ground claims support(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

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

Get worldwide coverage and save upto 75%**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

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


      All NRIs living in the US can buy health insurance plans from an insurance company in India. Whether they are visiting India or staying in the US, they can purchase health insurance for themselves as well as their families. All they need to do is to provide relevant documents to the insurance company to prove their Indian citizenship at the time of buying the plan, such as recent ITR, address proof, etc.

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

      Here are some of the reasons why NRIs living in the US should buy health insurance from India:

      1. Lower Premiums

        The cost of buying health insurance from India is more affordable than buying it from the US. This is because healthcare facilities in the US are much more expensive than in India. Take a look at the following table to check the stark difference between medical procedure costs in India and the US:

        Cost of Medical Procedures (Approx.) India ($) US ($)
        Heart Bypass 5,200 144,000
        Heart Valve Replacement 5,500 170,000
        Cardiac Arrest 7,000 50,000
        Knee Replacement 6,200 50,000
        General MRI Scan 100 750
        Cataract Surgery 1,000 2,500
        Liver Transplant 50,000 300,000
        Hip Replacement 7,000 50,000
        Spinal Fusion 6,500 100,000
        Bone Marrow Transplant 50,000 250,000

        Besides, a person in the US pays an average of $8,000 for medical insurance per annum, while the same can be purchased in India for an average of Rs 10,000 per annum. Thus, NRIs can save a lot of money by buying a health policy from India as premiums are lower than the US.

      2. Wider Plan Options

        In India, more than 20 insurance companies registered with the Insurance Regulatory & Development Authority of India (IRDAI) offer health insurance plans. This gives NRIs an option to choose from a wide range of health plans designed to meet the requirements of different individuals. Thus, NRIs from the US can compare different plans and make an informed decision to choose the best health policy as per their health needs and preference.

      3. Worldwide Coverage

        Several health insurance plans in India offer worldwide coverage for hospitalization, day care procedure and maternity expenses. So if an NRI living in the US buys health insurance from India, the insurer will cover such medical expenses incurred in India as well as in the US.

      4. GST Refund

        NRIs who are paying taxes in the US do not have to pay a GST of 18% as part of their health insurance premium while buying medical insurance from India. Such people can claim a GST refund from their insurer in India provided the policy was for a 1-year tenure and purchased from an NRE account. They just need to submit their TRC and 6 months NRE bank account statement along with a declaration to get a refund.

      Buy NRI Health Insurance in other Countries
      Show more countries

      How to Buy Health Insurance for NRIs in the US?

      NRIs living in the US can follow the steps given below to buy health insurance from India:

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

      Step 2: Go to ‘Health Insurance’ and provide your name & gender details

      Step 3: Choose the family members you want to include in your policy along with their age

      Step 4: Enter your Indian city of permanent residence

      Step 5: Select ‘+1’ as the country code for the USA and enter your phone number

      Step 5: Pick the suitable option if you or your family members suffer from pre-existing diseases

      Step 6: Select the desired health plan and pay its premium amount online

      Step 7: The insurer will issue health insurance to the NRI living in the US.

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

      Health insurance articles

      Recent Articles
      Popular Articles
      Surgeries Covered by Magma HDI Health Insurance Plans

      18 Apr 2024

      Magma HDI General Insurance Company offers a spectrum of
      Read more
      Surgeries Covered by Raheja QBE Health Insurance Plans

      17 Apr 2024

      Raheja QBE General Insurance Company offers a diverse range of
      Read more
      Surgeries Covered by Aditya Birla Health Insurance Plans

      16 Apr 2024

      Aditya Birla Health Insurance Company offers a range of
      Read more
      Surgeries Covered by Cholamandalam Health Insurance Plans

      16 Apr 2024

      Cholamandalam MS General Insurance Company offers a range of
      Read more
      Surgeries Covered by Future Generali Health Insurance Plans

      16 Apr 2024

      Future Generali India Insurance Company offers comprehensive
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Zero Waiting Period in Health Insurance Plans
      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Heart Surgery Cost in India
      Heart diseases are the leading cause of death across the globe. As per a survey by the World Health Organisation
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.