Can NRIs in the UAE buy health insurance for parents in India?

Yes, we offer specialised plans for NRIs with remote onboarding and AED payment options.

Are pre-existing diseases covered in health insurance plans for NRIs?

Yes, coverage for pre-existing diseases begins after a waiting period of 2–3 years.

How are claims processed if I’m overseas?

You can initiate the claim process via our 24/7 NRI helpline by submitting mandatory digital documents. Claim status can be tracked in real time.

What’s the maximum age to enrol parents?

There is no upper age limit for health insurance. Even 90-year-olds can get coverage under our plans.

Can I pay premiums in UAE dirhams?

Yes, we accept AED/USD payments via secure forex gateways.

Are alternative treatments like Ayurveda covered?

Yes, over 30 AYUSH treatments, including Ayurveda, are covered up to ₹50,000 annually in select plans.

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Best Health Cover in India for Parents and Family While You Live in UAE

26 May, 2025

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Having your family in India while you live in the UAE means there is an underlying concern that medical emergencies may happen when you are away. The threat of poor coverage, claim denial, or financial burden can be immobilising. But what if you could provide your parents and loved ones with uninterrupted healthcare through the top-rated health insurance in India without having to catch the next flight back home?

At Niva Bupa, we have created health insurance products especially for non-resident Indians (NRIs) like you. Let's see how you can get the best health cover in India for your parents and loved ones in India, even from overseas in the Arabian Sea.

Why Do NRIs in the UAE Require Specialised Health Cover in India?

The majority of domestic health policies are not designed for NRIs, resulting in:

Complications in claims due to non-Indian residency status.
Restricted network hospitals that demand cash payments in emergencies.
No cross-border or telemedicine support.

How Niva Bupa Fills These Gaps?

Our NRI-centric best health cover in India provides:

Pan-India hospital network with 10,000+ cashless facilities.
Easy claims with special NRI assistance desks.
Worldwide emergency assistance.

Key Features of the Best Health Plan in India for Parents

At Niva Bupa, we’ve designed top-rated health insurance in India to bridge the gap between your UAE lifestyle and your family’s healthcare needs in India. Let’s explore the key features of such plans:

Comprehensive Coverage Without Age Barriers

No upper age limit for enrolment, which is critical for senior parents.
Pre-existing disease coverage from Day 1 under specific plans.
No mandatory pre-policy medical tests for sums insured below thresholds.

Financial Safety Nets That Matter

Automatic recharge of the insured sum after exhaustion.
Up to 100% increase in coverage for claim-free years.
500+ procedures covered without 24-hour hospitalisation.

UAE-Friendly Conveniences

Online policy management via app/web portal.
Direct claims settlement in AED/USD to avoid forex fluctuations.
24/7 teleconsultations with Indian doctors.

Comparing Top Niva Bupa Plans for NRIs

Here are a few of our best health plans in India that offer comprehensive coverage benefits with a seamless claim process:

Plan	Best For	Unique Perks
ReAssure 2.0	Aging parents	Unlimited automatic restoration
Health Companion	Chronic conditions	No room-rent capping
Health Premia	High-cost emergencies	In-built travel insurance

You can explore more about our plan on our website or book an appointment with our representative to get more details.

What is the Purchase Process from the UAE?

Buying the best health cover in India from abroad may sound daunting, but with us, it is a smooth and convenient process. You can secure a policy for my family without stepping foot in India. Here’s how:

Step 1: Visit Niva Bupa’s Website

Visit our official website. The online platform allows you to browse plans, compare benefits, and ask for quotes with ease.

Step 2: Customise the Plan

Additionally, you can enter your family members' details, including ages, medical history, and coverage requirements, to customise the policy.

Step 3: Secure Payment

Pay the premium amount. Premiums are payable in Indian rupees through your NRE/NRO account, thereby being regulation compliant.

Step 4: Digital Claims Process

Our Niva Bupa app enables you to monitor claims, schedule teleconsultations, and find network hospitals, all on your phone.

Tips for NRIs Selecting Health Insurance

Following are a few of the tips to guide you in making the right decisions and purchasing the best health insurance in India:

Buy insurance prior to falling ill to avoid waiting for longer periods.
Choose family floater policies, as including all of them in a single policy is economically efficient and easier to manage.
Add riders such as critical illness or maternity coverage to enhance protection.
Consult professional advisors. Our team offers personalised guidance to help you go through complex decisions.

Wrapping Up

With medical inflation in India hitting 14% annually, investing in a top-rated NRI health insurance India is the most strategic decision to avail quality healthcare and save your finances. With comprehensive coverage, cashless convenience, and a user-friendly digital experience, our plans can protect your family in India while you live away in the UAE.

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Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) under license. CIN: L66000DL2008PLC182918
1 Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.
2 Since Inception refers to claim data from 2010 till December 2023.
3 ReAssure 2.0 Premium: The premium is including taxes and for Bronze Variant, for a 25-year-old individual living in Delhi.
4 Aspire Premium: The premium is including taxes and for Gold+ Variant, for a 25-year-old individual living in Delhi.
5 Senior First Premium: The premium is including taxes and for Gold Variant, for a 65-year-old individual living in Delhi.
6 Health Premia Premium: The premium is including taxes and for Silver Variant, for a 25-year-old individual living in Delhi.
7 SmartHealth + Disease Management Premium: The premium is including taxes and for Disease Management Gold Variant rider when bought with ReAssure 2.0 Bronze variant with Base Sum Insured of 5 lacs, for a 25-year-old individual living in Delhi.
Beware of spurious / fraud phone calls! Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone. Avoid clicking on attachments / payment link received in mails / message from unknown sources. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint. Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms. Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa. Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls, and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.
^Claim Promise with Zero deductions
This is applicable for ReAssure, Reassure 2.0, Aspire and Rise product
a. Buy your Niva Bupa policy for coverage of 10 Lacs or above, with Safeguard+ add on
b. Intimate Niva Claim helpline (1860-500-8888) 48 hours before hospitalization for non-emergency treatments
d. Receive a claim assurance with zero deduction, in accordance with policy inclusions and T&C
c. Choose any hospital from the list of recommendations given by Claim Advisor for your treatment, via cashless facility
e. Claims Exclusions: the guarantee will not apply to claims arising due to exclusions stated in the policy (e.g.- non-disclosure, fraud, standard exclusions, waiting periods etc.)

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