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Health Insurance for NRI Parents in India in 2025
With more people taking up jobs abroad, people are moving miles away from their families. Moving away may seem like an easy decision, but it comes with responsibilities, one of the biggest being the care of ageing parents. 🥹
For NRIs, ensuring their parents' well-being starts with a health insurance plan. But a common question many NRIs may have is, “Can NRIs buy health insurance for their parents in India?” The answer is a resounding yes! 🤩
According to IRDA, NRIs can absolutely purchase health insurance for their parents living in India, providing them with the medical security they need. Read this article to learn how to buy health insurance for NRI parents in India, what factors to consider, and its benefits.
Table of Contents
Can NRIs Buy Health Insurance for their Parents in India?
Yes, NRIs can get health insurance for their parents and other family members who live in India. If you are an NRI, you can select from a range of health insurance policies, including critical illness coverage, family floater plans, and senior citizen health policies, based on their individual needs.
In addition, NRIs can purchase a healthcare policy that will pay for their parents and their own medical bills in India. Unless the contract specifically states foreign coverage, health insurance companies usually limit their coverage to medical costs spent within India.
Medical costs incurred abroad, however, might be covered by travel insurance, but only if the policyholder becomes ill while travelling. Therefore, health insurance acquired from an Indian insurer will not cover the expenses incurred if an NRI living in the UK (or any country other than India) needs medical treatment there.
What are the Benefits of Buying a Health Policy for NRI Parents in India?
Wondering why you should buy a health insurance policy for your parents who are living in India? Well, it has several advantages and benefits.
Here are some of the benefits of buying a health insurance policy for parents in India:
What's Great about Health Insurance by Digit?
Understanding FEMA Regulations for NRI Parents’ Health Insurance
The Foreign Exchange Management Act (FEMA) outlines the rules for providing health insurance to non-resident Indians (NRIs) in India. According to FEMA rules, the total amount of premiums paid by the NRI in foreign currency may be the maximum amount that can be claimed under an NRI health insurance policy.
Additionally, the insured NRI will receive the claim payment amount in the foreign bank account or the Resident Foreign Currency (RFC) account held by an approved Indian bank.
Can NRIs Buy Health Insurance for Parents in India if They Already Have a Policy Abroad?
Yes, even if the NRI’s parents have coverage from any foreign insurance firm, they can still purchase a health insurance policy in India.
NRIs can invest in health insurance for their parents living in India to avoid hassle during a medical emergency.
Eligibility for NRIs Purchasing Health Insurance for Their Parents in India
- Parents must be Indian residents for the policy to be applicable.
- Age restrictions vary by insurer, but most plans cover up to 60 years under regular policies and above 60 years under senior citizen plans.
- Some insurers require pre-policy medical check-ups for senior citizens.
How to Buy Health Insurance for NRI Parents Online?
Buying health insurance for NRI parents policy online is now as easy as booking a movie ticket. With just a few clicks, you can compare different plans, customise your coverage, and ensure continued financial security in medical emergencies. Follow these simple steps to buy or renew a health insurance plan:
Enter Basic Details
Visit the Digit app or website. Enter your PIN code and mobile number, select your preferred health insurance plan and provide age details, family members covered, etc.
Choose Plan & Add Member Details
Compare & select the plan, sum insured, add-on covers and apply any available discounts to get the final premium amount. Further provide the member details for everyone you’re covering.
Make Payment & Submit KYC
Once done, proceed to make the premium payment and submit your KYC documents to complete the purchase process.
Final Review & Processing
Now, your application undergoes a brief review process. Digit may request a health declaration, lifestyle information, or medical details & reports if required. Now, based on your medical underwriting, your policy will be issued and sent to your email. You can also access it anytime through the Digit app.
That’s it! 🙂 Your health insurance for parents is renewed, and you remain protected without any gaps in coverage. But remember! Renewing your policy on time is crucial to avoid policy lapse!
Tax Benefits of Health Insurance for NRI Parents Under 80D
When purchasing medical insurance for parents who reside in India, you can claim tax deductions on the premium amount. This is only feasible if, under Section 80D of the Income Tax Act, NRIs deduct the cost of their parent's health insurance premiums from their taxable income in India.
Like Indian residents, non-resident Indians (NRIs) are eligible to deduct up to the designated limitations from their taxes for their parents' mediclaim policy premiums.
Read: Health Insurance Tax Benefits
Disclaimer: You can only claim these tax deductions under 80D with the Old Tax Regime. The tax deductions apply only to income taxable in India.
Factors to Consider When Choosing the Best Health Insurance for NRI Parents
Choosing the best health insurance for NRI parents in India requires careful consideration to ensure they receive the best possible medical care without financial strain. Since older individuals are more prone to health issues, selecting a comprehensive coverage policy is crucial.
Here are some factors you must evaluate before buying health insurance for parents that truly safeguard their well-being:
Ensuring the well-being of parents back home is a top priority for NRIs, and health insurance is one of the best ways to provide them with financial and medical security. With numerous insurance plans available, NRIs can easily purchase a policy that offers comprehensive coverage, cashless hospitalisation, and peace of mind.
Remember, investing in health insurance today means a safer, healthier future for the people who matter the most! 🙂