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.

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      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
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      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.

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      *₹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.

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