Term Life Insurance for NRIs in UAE

As an NRI living in the UAE, you are likely to be constantly worried about the well-being of your dependents back in India. If anything were to happen to you, your family should be financially equipped to deal with the loss of income. For this purpose, you can get comprehensive term insurance cover from any insurer in India that extends its coverage to NRIs in the UAE.

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Best Term Life Insurance Plans for NRI in UAE

Here is a list of the best term insurance in UAE for NRIs:

Term Insurance Plans for NRIs in UAE Entry Age Maturity Age Sum Assured
Max Life Smart Secure Plus 18 - 60 years 85 years Min: 1 Crore

Max: 10 Crores

Tata AIA Sampoorna Raksha Supreme** 18 - 60 years 100 years Min: 1 Crore

Max: 20 Crores

HDFC Life Click 2 Protect Super 18 - 65 years 85 years Min: 1 Crore

Max: 2.5 Crores

ICICI iProtect Smart 18 - 65 years 99 years Min: 1 Crore

Max: 2 Crores

PNB MetLife Mera Term Plan Plus 18 - 50 years 80 years Min: 1 Crore

Max: 1.5 Crore

one crore term plan

Term Plans


Life Cover

@ Starting from ₹ 16/day+


Life Cover

@ Starting from ₹ 8/day+


Life Cover

@ Starting from ₹ 12/day+

Can NRIs in UAE Buy Term Life Insurance From India?

Yes, any NRI of Indian origin residing in the UAE can buy term life insurance coverage in India to protect their families. Whether or not she or he is physically residing in India, the Foreign Exchange Management Act (FEMA) allows NRIs to purchase any plan that fulfills their needs for protecting themselves and their families.

Who is Eligible For Buying NRI Term Insurance From India? 

Term insurance in India can be bought by NRIs under the following criteria:

NRIs (Non-Resident Indians) – 

  • Individual is a citizen of India temporarily residing in the UAE and holds a valid Indian passport

PIOs (Persons of Indian Origins)/OCIs(Overseas Citizenship of India) – 

  • Individual is a citizen of the UAE but has previously held an Indian passport

  • Individual’s parents or even grandparents are citizens of India

  • Individual is the spouse of any individual belonging to the above criteria.

Foreign Nationals – 

  • Individuals who are citizens of other countries and live in India

one crore term plan

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Term Plan Starting @ ₹449/month+

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Why do NRIs in UAE need term insurance?

There are a number of scenarios where term life insurance can come in handy for an NRI residing in the UAE. Here’s why NRIs should buy term life insurance in India.

  • Financial Protection - The most important reason to buy term plan in India is the financial safety for your family in the event of your unfortunate death. These protection plans provide the death benefit to your family, who can use the amount to take care of their financial obligations like rent and child’s fees.

  • Ease of Access - Your grieving family can simply visit the nearest branch in their residing city to set the claim settlement process in motion without much travelling or other hassles. 

  • Peace of Mind - With an NRI term insurance in UAE, you can rest in peace knowing that you have created an income source for the family, taken care of your child’s education, and your family’s lifestyle and daily needs in your absence.

  • Pay off debts - If you have an outstanding loan at the time of your death, the proceeds from the policy can help pay off any debt or financial obligations. However, make sure that the coverage is significant to take care of daily needs as well and that the amount does not run out too soon. 

Why Are NRI Term Insurance Plans Are Affordable in India than Term Insurance in UAE?

  • A large number of insurers
    Many term life insurers are registered under the Regulatory Authority, IRDAI. Many of them provide different term insurance plans for NRIs with high life cover at affordable premium rates. They can easily buy a term plan with a quick and easy online procedure. An Indian Term plan offers various benefits for NRIs than International term insurers:

    • Long-term coverage

    • Can opt for a sum assured upto 20 Crores

    • The easy and hassle-free payment process

    • Terminal illness and accidental death cover

  • Tele-medical check-ups
    NRIs in UAE can easily buy term plans in India that help them to arrange a video or telemedical examination from his/her residential country. At the onset of the pandemic, the rules were quite strict, and policy seekers were required to go through a physical medical check-up. But, now, with relaxation in rules and regulations, NRIs can get comprehensive pure risk covers with telemedical facilities, making protection for expats much more feasible for NRIs living in UAE.

  • Claim Settlement Ratio (CSR)
    The CSR of Indian term insurance companies is the percentage of death claims that a company settles yearly out of total death claims. This indicates the reliability and credibility of an insurer. You should always opt for a life term insurance policy from an insurer with a CSR of at least 95%, as it increases the chance of your family’s claim settlement in the future.

  • Term insurance premium rates

    The premium rates of Indian term insurance plans are low than the UAE term insurance plans. The level term life insurance rates in India are up to 50-60% more affordable than international term life insurance.
    For example:
    In UAE, the term plans premium rate for a life cover of 1 Crore for a 30-year-old male is approx. Rs. 2000 pm. This is for a policy term of 15 years. Then, in India, the premium rate of the term plan for NRI is as low as approx. Rs.840 pm.

Criteria Foreign Insurer (UAE) India
Age 30 years 30 years
Cover Till Age 45 years 45 years
Life Cover (in INR) 1.05 Crore 1.05 Crore
Life cover in AED (UAE Dirham) 5 Lakhs 5 Lakhs
Premium Rate of Leading Insurer Rs. 2198 per month Rs. 841 per month

As per the above example, leading insurers in UAE cost you more than Indian insurers. Indian term insurance plans are around 50% cheaper than term insurance in Dubai.

Note: To compute the premium amount of your chosen term insurance plan, you can use term insurance for NRI premium calculator.

Documents required to buy term insurance for NRIs in UAE

Following are the documents required to buy term life insurance for expats in UAE from Indian insurers:

  • Passport front and back side

  • Photo

  • Foreign Address Proof

  • Last 6 months' bank statements and Last 3 Month salary slip

  • Employment ID Proof

  • Copy of Valid Visa

  • Last entry-exit stamp

How to Buy Term Insurance For NRIs Residing in UAE from Policybazaar?

You can buy the most suitable protection plan for NRI in UAE from India online by following the below steps:

Step 1: Visit Term insurance for NRI

Step 2: Fill in the basic details such as date of birth, name, and contact details. Click on ‘View Plans’

Step 3: Answer the questions about smoking or chewing habits, annual income, occupation, education, and language.

Step 4: Choose the plan that suits your financial needs and proceed to pay.

Note: Know what is term insurance first and then buy a term plan for your loved ones.


  • Q: Who are eligible to buy term life insurance for NRIs in UAE from India?

    Ans: The NRIs (non-resident Indians), PIOs (persons of Indian origin), and OCIs (overseas citizenship of India) cardholders are eligible to buy term insurance for expats in India from Indian insurers.
  • Q: Can I get accidental death cover with term life insurance for NRIs in UAE from India?

    Ans: Yes, you can get accidental death cover along with the term life insurance plan's pure risk cover at nominal premiums. The availability of this rider depends on a life term insurance policy's T&Cs.
  • Q: Can I Buy 2 life term insurance policy for NRI?

    Ans: Yes, you can buy 2 term insurance policy depending on your human life value eligibility. You can compare the plans based on their level term life insurance rates, policy term, sum assured, and CSR to select the most suitable plans as per your needs.
  • Q: Will term insurance still be valid if I move abroad?

    Ans: Yes, most term insurance policies will still remain valid even if you move abroad. However, it is better to inform your insurer about your move to another country.
  • Q: Does term life insurance for NRI provide tax benefits?

    Ans: Yes, term insurance plans do provide tax benefits for NRIs. You can claim tax benefits u/s 80C and 10(10D) of the IT Act and can also claim a GST waiver of 18% on the premiums paid.

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