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Health Insurance for NRI Parents in India in 2024

With the rising number of onsite job opportunities, people are moving miles away from their families to pursue their careers. While it might seem a lucrative option with no if’s and but’s attached, there are several points to the checklist before one takes that decision of moving out; Parents care being one of the foremost concerns. The recent Covid 19 pandemic further increased these concerns of NRIs for their parents’ health and well-being.

One of the major steps taken towards family health is buying a health insurance and that holds true for even NRIs. In this regard, the most common question that arises frequently is, “Can NRIs buy Health Insurance for their parents residing in India?” Answering this question, as per IRDA, yes, NRIs can definitely purchase health insurance for their parents residing in Inda.

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Benefits of Buying a Health Policy for Parents in India

High medical costs: The increased life expectancy in the last few decades has a flip side to it too. Medical costs have become skyrocketing and there would be manifold incidents especially in old age that require expensive medical assistance. For situations like these, a health insurance provides cushion to your savings.

Save the pension for happy days: Even if your parents are pensioners, keep the pension safe for their personal expenses. For medical emergencies, that are bound to eat up a major portion of savings, it is always a wise decision to have health insurance.
Make your parents self-dependent for unforeseen times: A major portion of Indian population does not even have access to pension. In such cases, parents are largely dependent on their earning children or on their lifetime savings. In either case, health insurance can protect our savings from being hit in times of medical exigencies. Also, with a cashless insurance at hand, our parents can have a hassle free and easy access to healthcare even if we are not present with them.

Financial cushion to savings: Paying medical bills is definitely a strenuous job and a big impact on savings that would otherwise be used for some planned purpose. And these health requirements come up when you are least expecting them. For those times, have a health insurance so that your plannings and happy times do not suffer.

A little more tax savings is always welcome: The premium paid towards health insurance policy in India also comes under tax exemption as per the Indian Income Tax Act. This includes any premium paid for self, spouse, dependent children, and dependent parents. So, NRIs can claim a rebate on their Indian Income under Section 80D.

Know more about the tax benefits:

Factors to Consider While Buying Health Insurance for Parents in India

What's great about a Health Insurance by Digit?

Simple online processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!
No Age-based or Zone-Based Co-payment - Our health insurance comes with no age-based or zone-based copayment. This means, during health insurance claims, you need not pay anything from your pocket.
No Room Rent Restriction - We understand that everyone has different preferences. That’s why we have no room rent restrictions. Choose any hospital room you prefer.
SI Wallet Benefit - If you exhaust your Sum Insured during the policy period, we refill it for you.
Get treated at any hospital - Choose from 10500+ of our network hospitals in India for a cashless treatment or opt for a reimbursement.
Wellness Benefits - Get exclusive wellness benefits on the Digit App in collaboration with top-rated health and wellness partners.

Key benefits of Health Insurance by Digit

Co-payment	No
Room Rent Capping	No
Cashless Hospitals	16400+ Network Hospitals across India
Inbuilt Personal Accident Cover	Yes
Wellness Benefits	Available from 10+ Wellness Partners
City Based Discount	Up to 10% Discount
Worldwide Coverage	Yes*
Good Health Discount	Up to 5% Discount
Consumables Cover	Available as an Add-on

*Available only on Worldwide Treatment Plan

FAQs about Health Insurance for NRI Parents in India

All

Can NRIs buy health insurance for their families back home in India?

Yes, NRIs can definitely buy health insurance for their families back home in India. This includes their spouse, dependent children, and dependent parents.

Do health insurance companies cover Non-Resident Indians?

Yes. Health Insurance companies cover Non-Resident Indians for their medical expenses incurred in India. However, recently, a few insurance providers have started covering the medical expenses in other countries too depending on terms and conditions.

Can NRIs claim tax deduction on health insurance premium?

Yes, the premium paid towards any health insurance policy in India comes under section 80D and can be claimed for income tax deduction in their Indian income.

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Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.

Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.

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Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.

Health Insurance for NRI Parents in India in 2024

Benefits of Buying a Health Policy for Parents in India

Factors to Consider While Buying Health Insurance for Parents in India

Age Limit

Sum Insured

Inclusions and Exclusions

Cashless treatment

Waiting Period for Pre-Existing Diseases

Seamless and quick claim settlement process