Key takeaways
- Most major insurers offer term plans to NRIs, subject to underwriting.
- Medical tests can often be done in your country of residence.
- Premiums via NRE/NRO; claims pay in INR to Indian nominees.
Are NRIs eligible?
Yes — most large Indian insurers sell term plans to NRIs, though each has its own country list and underwriting rules. Some high-risk countries or occupations face restrictions or extra premiums. An advisor checks eligibility across insurers for you.
Not sure how this applies to you? A free call with Vijay Singh Rana sorts it out in minutes — book here.
The process
You'll typically need: proof of Indian origin/passport, overseas address proof, income proof, and a medical examination — many insurers arrange tests in your country of residence or accept recent reports. Premiums are paid from NRE/NRO accounts, and the claim is paid in India to your nominee.
Things to watch
- Disclose foreign residence fully — it's a standard application question
- Nominee in India simplifies the claim process enormously
- Keep the policy document accessible to your family
- Compare with local options — sometimes a plan in your resident country suits better; an advisor gives you the honest comparison
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Vijay Singh Rana — HDFC Financial Advisor · IRDAI & AMFI Registered
Frequently asked questions
Can I pay premiums from abroad?
Yes — typically via NRE/NRO accounts or approved payment modes.
Will my family in India get the claim easily?
Yes, if disclosures are complete and the nominee is in India. Keep documents accessible.