What Health Insurance Options are Available for Foreign Nationals in India?

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Imagine moving to India for work and suddenly facing a medical emergency in an unfamiliar healthcare system. In such times, having the right health insurance can make all the difference.


But are foreigners allowed to buy health insurance in India? Let’s find the answer to this question and other facts that you need to know.


Can Foreigners Buy Health Insurance in India?


Yes, foreigners or non-Indian citizens can buy health insurance plans in India and ensure medical care for themselves and their families. Specifically, it is highly effective for foreigners planning to live in India for a longer period in the near future due to personal or professional commitments.


What Rules Foreigners Need to Follow While Purchasing Health Insurance Policies in India?


Under the Foreign Exchange Management Act (FEMA), foreigners must comply with regulations governing the purchase of health insurance. Here are a few of them:



  1. Non-Indian citizens can purchase health insurance plans in India in foreign currency.



  1. They can transfer (repatriate) the claim amount received from an Indian insurance company to their home country only if the premium was originally paid in foreign currency.



  1. Repatriation of the claim amount is not permitted if a foreigner pays the premium in Indian currency.


How to Buy Health Insurance Plans in India as a Foreigner?


There is no straightforward answer to how to apply for health insurance as a foreigner in India. It varies from insurer to insurer. However, here are the basic steps that most foreigners need to follow to purchase one:


Step 1: Choose a health insurance provider and contact them either in person or online.


Step 2: Select the policy that best suits your (and your family's)needs.


Step 3: Understand the applicable terms and conditions clearly, including benefits, exclusions and eligibility criteria.


Step 4: Submit the KYC documents (such as a passport copy, foreign address proof, visa copy, passport-sized photograph, bank statements for the previous 6 months, pay slips for the last 3 months, etc.).


Step 5: Go for the necessary screening tests, if required.


Step 6: Pay the premium and receive the policy along with other necessary documents in both soft and hard copies.


Final Words


Opting for health insurance as a non-citizen is a wise choice to cope with sudden emergency medical situations and the country's skyrocketing medical costs. It ensures timely access to quality healthcare and cashless hospitalisation, eliminating hassle during health emergencies and the need for upfront payment.