NRI Insurance plans made simple.
Balancing family care and making savvy investments is a rewarding challenge. Navigating hundreds of NRI insurance plans can be daunting, but we’ve simplified it.
We’ve partnered with selected, top insurance providers from India to offer appealing, most sought-after life and health insurance plans suited for global Indians!
How does it work?
We offer two straightforward options
Explore Plans
Take a look at a selection of NRI insurance plans. Choose the ones that match closest to your needs and request a call back to get an obligation free quote.
Get Personalised Guidance
Prefer a more tailored approach?
Share a bit about yourself, your goals,
and aspirations. Answer a few questions, and we’ll arrange for a trusted advisor to call you at your preferred date and time.
Our Insurance Plans
Secure & Guaranteed Growth Plan
Insurance with Investment Plans
Term Life Insurance Plans
Global Education Plan
Secure & Guaranteed Growth Plan
Secure & Guaranteed Growth Plan
Looking for guaranteed growth whilst securing your retirement and having a life cover?
Key plan features
- Guaranteed Benefit Payouts ensuring reliability
- Fixed-term Guaranteed Income for 10, 12, 25, 30 years, or lifelong
- Return of total Premium(s) at the Payout Period’s end
- Family’s future safeguarded with life cover
Insurance with Investment Plans
Insurance with Investment Plans
Your premium works harder with this plan – you get insurance cover plus your premium is invested to give you further benefit.
Key plan features
- Get up to 100x of annual premium as your insurance cover
- Get returns along with capital guarantee as an option
- Flexible premium payment option
- Choose the fund you want to invest – giving you full control on your investments
- Option to add further protection – accidental disability and critical illness
- Opportunity to Avail Tax Benefit as per Indian Income Tax Act, 1961 if applicable
Term Life Insurance Plans
Term Life Insurance Plans
A plan which provides financial protection for your loved ones in case of the passing away of the insured person.
Key plan features
- Money Back Guarantee: Get all premiums back if you survive until maturity
- Accidental Death Benefit: Extra payout in case of accidental death
- Health Protection: Receive early payout for specified terminal illnesses until age 80
- Flexible Coverage: Choose to increase Death Benefit up to 200% with the Life option
- Financial Security: Premiums waived for Critical Illness and Total Disability diagnosis
- Spousal Coverage Option: Add additional cover for your spouse
Global Education Plan
Global Education Plan
Every parent’s dream is to give world class education to their child. Start planning their future today.
Key plan features
- A US dollar denominated plan where you invest and receive your money in US Dollars to pay for the education fees
- Opportunity to invest in 5 different Global Funds
- No lock in period – withdraw funds to meet unexpected expenses
- Customise the plan to your needs and risk appetite
- Includes an insurance option for added security
Global Student Health Care
Global Student Health Care
Global Student Health Care
A comprehensive global health insurance plan tailored specifically for Indian students, offering uncompromising health coverage.
Key plan features
- Access to best hospitals anywhere in the world
- 750,000 + medical facilities and specialists
- Flexible Cover Options – up to $3 million USD
- Flexible Cover Term – 3 months to 12 months
- More cover offered compared to basic health care and travel insurance plans
- Add up to 2 dependants to the cover giving extra security and peace of mind
Request a call back
- Secure & Guaranteed Growth Plan
- Insurance with Investment Plans
- Term Life Insurance Plans
- Global Education Plan
- Global Student Health Care
FAQ's
To be considered a non-resident Indian (NRI) you need to fulfill one of the conditions
- Be an Indian citizen with a valid passport living abroad temporarily – for more than 180 days
- Is an Overseas Citizen of India (OCI), holding a valid OCI card or a Person of Indian Origin (PIO), holding a valid PIO certificate: Citizen of foreign countries except Bangladesh or Pakistan, with Indian origin, provided they fulfill the following criteria-
- Had an Indian passport in the past
- Parents or grandparents were Indian citizens
- Spouse of an Indian citizen
- Completed application form provided by the insurer
- Copies of both sides of the passport attested by a bank official, certified accountant, lawyer, notary, or magistrate of the judge.
- Proof of income – salary slips, bank statements, or audited financial statements in case of self-employed
- Proof of age – driving licence, birth certificate, age-proof card
- Proof of residence – recent utility bill, such as electricity, telephone, mobile, gas, or water bill
- Previous Medical records if necessary
- Completed Foreign Account Tax Compliance Act (FACTA) form provided by the insurer
Premium payments can be made in either Indian Rupees or other foreign currencies, offering flexibility. NRIs can easily manage premium payments through options like net banking, and bank checks from their NRE (Non-Resident External) or NRO (Non-resident Ordinary) accounts held with Indian banks. Additionally, some Indian insurance companies extend the convenience of premium payments directly from overseas accounts via the SWIFT network. It’s worth noting that there are certain currency restrictions for international remittances that apply.
Generally, insurance companies keep the premiums similar for both NRIs and residents in India. However, if you’re from a country with some instability like political unrest or military issues, your premium might be a bit higher. It’s just something they take into account to ensure fairness across the board.
Yes! All life insurance plan options listed on the website are eligible for residents living in India. We encourage you to insure the whole family.
To avail the benefit of the
GST refund, the premiums must have been paid from the NRE account or overseas account. The insurer will usually request you to submit a GST declaration form issued by them so they can deposit the amount back into your nominated bank account.
The service provided is absolutely free to you! No charges – absolutely nothing! We only earn a small referral fee from our selected partners, which keeps us going so we can offer this service worldwide.
