Buy Health Insurance Online

Exclusive

Wellness Benefits

24*7 Claims

Support

Tax Savings

u/s 80D

9000+ Cashless Hospitals PAN India

Pincode

+91 Enter Mobile Number

Try agian later

I agree to the Terms & Conditions

Port My Policy

Download Policy

(Incl 18% GST)

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.

Team Digit

Can NRIs Buy Health Insurance for their Parents?
Benefits of Buying Health Policy for NRI Parents
What's Great about Health Insurance by Digit?
FEMA Regulations for NRI Parents’ Health Insurance
How to Buy Health Insurance for NRI Parents?
How to Renew Health Insurance for NRI Parents?
Tax Benefits of Health Insurance for NRI Parents
Factors to Consider
Frequently Asked Questions

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?

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 9000+ 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.

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 in India?

Buying a health insurance policy online for your parents is the same as purchasing your favourite coffee. 🤩 With just a few clicks, you can compare different plans, customise your coverage, and secure your finances. However, before buying health insurance for NRI parents in India, you should consider a few things, such as the parents' age, previous health condition, coverage provided, and total sum insured. NRIs can purchase health insurance for their parents in India by following the steps listed below:

Step 1

Visit Digit’s Website: Visit the website, navigate to the health insurance policy section, and provide your phone number & PIN.

Step 2

Enter Details: Provide basic details like your parent’s age & pre-existing disease (if any).

Step 3

Choose Plan: Compare different plans, coverage, and add-ons to select the best one for your parents' health needs

Step 4

Update Member Details: Next, enter the additional details of the parents to be covered, such as height, weight, and other information. Click ‘Pay Now' to complete the payment.

Step 5

Payment: After completing the details, click ‘Pay Now' to complete the payment and the mandatory KYC verification process

Step 6

Policy Issuance: You’ll receive the policy document via email, SMS, WhatsApp, or the Digit app.

How to Renew Health Insurance for NRI Parents in India?

Just like buying, renewing health insurance for NRI parents in India is simple and easy. Here’s how you can renew your Digit Health Insurance easily during your grace period time:

Step 1

Log in to Your Account: Visit Digit Insurance’s website or open the Digit app and log in using your registered details.

Step 2

Go to Renewals: Navigate to the **Renew Policy** section, where your parent’s policy details will be visible.

Step 3

Review and Modify (If Needed): Check the coverage and sum insured and add any required riders.

Step 4

Make Payment: Choose your preferred payment method and complete the renewal process instantly.

Step 5

Receive Confirmation: Once the payment is successful, you’ll receive the updated policy document via email

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.

Covered Individuals	Medical Insurance Premium Paid (₹)		Total Tax Deduction under 80D
Covered Individuals	For Self, Spouse and Children	For Parents	Total Tax Deduction under 80D
You, Your Family & Parents (all below 60 years of age)	25,000	25,000	50,000
You and Your Family (below 60 years of age) and Your Parents (above 60 years of age)	25,000	50,000	75,000
You and Your Parents (all above 60 years of age)	50,000	50,000	1,00,000
Members of HUF	25,000	25,000	50,000

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! 🙂

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 deductions on health insurance premiums?

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

Can NRIs claim parents' health insurance?

Yes, in India, NRIs can obtain health insurance for their parents. All they have to do is provide the necessary paperwork and notify the Indian insurance provider about the hospitalisation. In the event of cashless treatment, the insurance company will pay the network hospital's medical bills; in the event of reimbursement claims, the insurance company will pay the amount back to you.

Is it worthwhile for NRI parents to purchase health insurance?

Yes, NRIs should purchase health insurance for their parents so that they can have the best medical care without having to worry about paying for it. Furthermore, purchasing medical insurance guarantees that your savings will always be intact because elderly individuals are more likely to contract illnesses.

Should I purchase a separate health insurance for my parents' individual health insurance in India?

Yes. In India, NRIs are required to purchase separate health insurance for their parents. This is because when your parents get older, your family policy's premium will go up. However, your family policy cost will still be reasonable if you get a separate policy for your parents.

When is it inappropriate for NRIs to purchase health insurance in India for parents?

You shouldn't purchase health insurance in India for parents as an NRI in the following situations:

If you and your parents are going to stay in another country for a long time.
If your parents are only travelling to India for a few days.
The health insurance purchased from a foreign provider covers India as well as other countries.

Is Indian health insurance transferable to other countries?

Since coverage is limited to medical care received in India, Indian health insurance is typically not recognised overseas. However, certain plans cover only life-threatening conditions when it comes to overseas treatment. These insurance policies have high premiums and co-payments.

What are the advantages of being an NRI in India?

The advantages of health insurance for non-resident Indians (NRIs) in India include sufficient coverage, no geographic restrictions, tax advantages, cashless hospitalisation, affordable rates, ongoing coverage, and the benefit of a waiting time.

What is an NRI's best option for medical insurance in India?

What constitutes good health insurance for non-resident Indians (NRIs) in India may vary from person to person. It is important to use Digit’s website to examine the various health insurance plans that are offered in India based on your budget and health criteria, then select the plan that best meets your needs.

What are the Terms & Conditions Applicable to Health Insurance for NRIs in India?

It is crucial to thoroughly review the terms and conditions of the policy before purchasing medical insurance for non-resident Indians (NRIs) in India. Here are some important T&Cs:

Geographic Restrictions: The majority of NRI health insurance plans cover only medical costs incurred within India. Even if they do provide coverage abroad, it is only for life-threatening situations like critical disease care. Therefore, before purchasing health insurance for NRIs in India, it is crucial to thoroughly study the policy's terms and determine its geographic scope.
Restricted Access: Indian health insurance companies typically offer NRIs a restricted sum insured. This is because non-resident Indians (NRIs) are seen as hazardous applicants. Because of this, insurers find it challenging to verify their legitimacy, and hence, they provide NRIs with health insurance that has a limited sum covered.

More articles related to Health Insurance

Domiciliary Hospitalization Cover

Group COVID Insurance for SME's Industries & Companies | Digit

Health Insurance Tax Benefits for Senior Citizens

Mental Health Insurance

Air Ambulance Cover in Health Insurance

Benefits of Critical Illness Cover

Health Insurance Glossary India: Terminology, Terms and Definitions

Senior Citizen Health Insurance

GMC and GPA in Health Insurance Policy

Coinsurance vs Copay vs Deductible

Myths about Health Insurance

Increase of Health Insurance Premium on Renewal

What is ABHA Card

What is Health Insurance?

Super Top-up Health Insurance for Corporate Employees - Check Prices

Difference between Mediclaim and Health Insurance

Copay in Health Insurance

Pre & Post Hospitalization Expenses in Health Insurance

Health Insurance with Cancer Cover

Health Insurance for Vector Borne Diseases & COVID-19 Online

Life Insurance vs Health Insurance

Health Insurance for Vector Borne Diseases & COVID-19 Online

Indemnity Health Insurance

Health Insurance Plans for Family

Cooling-off Period in Health Insurance

Add-Ons in Health Insurance Policy

Consumables Cover in Health Insurance

Waiting Period vs Survival Period in Health Insurance

TPA in Health Insurance

Types of Health Insurance Plans

Health Insurance for Parents

Reimbursement Claims in Health Insurance

What to do if you are tested Positive for COVID-19?

Health Insurance Non-Medical Expenses

Critical Illness Health Insurance Cover

Grace Period in Health Insurance

Waiting Period in Health Insurance

Road Ambulance Health Insurance

Nominee in Health Insurance

Health Tips & Guides

Anywhere Cashless Hospitals - Hassle Free Hospitalization Anywhere in India

Day Care Treatment in Health Insurance

Health Insurance Premium Calculator

Health Insurance for Disabled Person

Yoga Asanas & Exercises for Better Lifestyle

Is Dental Covered in Health Insurance?

Zone Based Health Insurance in India

Health Insurance for Government Employees

Health Insurance for Smokers

Restoration Benefit in Health Insurance

Check Health Claim Status Online Instantly

Comprehensive Health Insurance

Compare Health Insurance

Coronavirus Cover: Health Insurance for Coronavirus Treatment

Healthy Lifestyle

Health Insurance for Self Employed/Freelancer

Types of Health Insurance Claims

Benefits of Health Insurance

Reason to Buy Seperate Health Insurance for Parents

Daily Hospital Cash Benefit in Health Insurance

Health Insurance on EMI

Health Insurance for Mother

PED in Health Insurance

Cashless Health Insurance

How to Port Health Insurance?

Health Insurance Tips

Moratorium Underwriting vs Full Medical Underwriting

Government Insurance Schemes

Loading in Health Insurance

AYUSH Health Insurance Benefits

Health Insurance Tax Benefits

Super Top-up Health Insurance for Employees Retiring Soon

Personal Accident Insurance

Super Top-up Health Insurance for Senior Citizens in India - Check Prices

Saral Suraksha Bima Policy | Go Digit Insurance

Sum Insured in Health Insurance

What is Long-term Health Insurance? Features & Benefits Explained

Individual Health Insurance

Term Insurance vs Health Insurance

Health Insurance for Diabetes Patients

Corona Kavach Policy: Buy COVID Kavach Health Insurance Online

File Health Claims Online on Digit App

Health Insurance After Retirement

Organ Transplant Cover in Health Insurance

List of Excluded Hospitals

Family Floater vs Individual Health Insurance

How to Choose the Right Sum Insured in Health Insurance?

Room Rent Capping in Health Insurance

How to Reduce your Health Insurance Premium?

Check Digit Health Insurance Claims Status on Digit App

Family Floater Health Insurance

Cumulative Bonus in Health Insurance

Download your Health e-Card

Wellness Benefits with Digit Health Insurance

City

Inpatient vs Outpatient Hospitalisation

Health Insurance with Free Medical Check Up

Deductible in Health Insurance

List of Excluded Hospitals

Maternity Health Insurance

Indemnity Based vs Fixed Benefits Health Insurance

Maternity Coverage with No Waiting Period

GHC

Health Insurance Bariatric Surgery Cover

Super Top up Health Insurance

Cataract Health Insurance

Best Health Insurance Policy

Corona Rakshak Policy Online: Health Insurance for COVID-19 in India

Arogya Sanjeevani Policy

Health Insurance OPD Cover

Coronavirus Health Insurance: COVID-19 Insurance Policy in India

Government Health Insurance Scheme

Health Insurance for NRI Parents

Exclusions in Health Insurance

Sub Limit in Health Insurance

Health Insurance for Disabled & HIV/AIDS Patients: Check Coverage and Benefits

Terminal Illness vs Critical Illness

Health Insurance Plan that Covers Infertility Treatments

Health Insurance Options for Retirees

Check Pending Challan only on Digit App

Install

Check Pending Challan only on Digit App

Latest News

Currently there are no news to show.

Renew & Download Policy Document, Check Challan, Credit Score, PUC & more

51K+ Reviews

4.8

Rated App

51K+ Reviews

10K+ Reviews

4.3

Rated App

10K+ Reviews

Download the App

CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.

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 2025

Table of Contents

Can NRIs Buy Health Insurance for their Parents in India?

What are the Benefits of Buying a Health Policy for NRI Parents in India?

Manage High Medical Costs

Save the Pension for Happy Days

No Geographical Restrictions

Financial Cushion to Savings

Provides Tax Benefits

Gives Enough Coverage

What's Great about Health Insurance by Digit?

Understanding FEMA Regulations for NRI Parents’ Health Insurance

Can NRIs Buy Health Insurance for Parents in India if They Already Have a Policy Abroad?

Eligibility for NRIs Purchasing Health Insurance for Their Parents in India

How to Buy Health Insurance for NRI Parents in India?

Step 1

Step 2

Step 3

Step 4

Step 5

Step 6

How to Renew Health Insurance for NRI Parents in India?

Step 1

Step 2

Step 3

Step 4

Step 5

Tax Benefits of Health Insurance for NRI Parents Under 80D

Factors to Consider When Choosing the Best Health Insurance for NRI Parents

Age Limit

Sum Insured

Inclusions and Exclusions

Cashless Treatment

Waiting Period for Pre-Existing Diseases

Seamless and Quick Claim Settlement

FAQs about Health Insurance for NRI Parents in India

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

Do health insurance companies cover Non-Resident Indians?

Can NRIs claim tax deductions on health insurance premiums?

Can NRIs claim parents' health insurance?

Is it worthwhile for NRI parents to purchase health insurance?

Should I purchase a separate health insurance for my parents' individual health insurance in India?

When is it inappropriate for NRIs to purchase health insurance in India for parents?

Is Indian health insurance transferable to other countries?

What are the advantages of being an NRI in India?

What is an NRI's best option for medical insurance in India?

What are the Terms & Conditions Applicable to Health Insurance for NRIs in India?

Latest News