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Types and Benefits of Health Insurance Policies for NRI Parents living in India

Q: What is the best type of health insurance for senior citizen parents?

NRI Health Insurance Plans in India, like Niva Bupa’s Senior First or ReAssure 2.0, are ideal. They offer higher sum insured options, no room rent limits, and coverage for chronic and age-related conditions.

Q: Is cashless treatment available for parents insured in India?

Yes, many health insurance plans in India offer cashless hospitalisation at network hospitals. This is especially helpful when managing care from abroad.

3 July, 2025

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It’s natural to be concerned about the well-being of your parents if you are living in abroad If you are an NRI, one of the best things you can do for your parents in India is to get the best health insurance plan. Rising medical costs and changing lifestyles make a financial safety net essential.The good news is that there are various health insurance policies in India today. They offer custom plans specifically designed for senior citizens, including those whose children live abroad.

In this blog, we’ll explore the types of health insurance available for NRI parents and the benefits of a health insurance policy in India.

Why Health Insurance Is Crucial for NRI Parents?

Healthcare costs in India are increasing every year. Even a single hospitalisation can cost lakhs of rupees. With the help of a good health insurance policy in India, ensures timely treatment and peace of mind for his parents

Additionally, the health insurance cost for senior citizens can be better managed with early planning.

Types of Health Insurance Policies for NRI Parents

At Niva Bupa, we offer a variety of plans suited for senior citizens. Choosing the right one depends on your parents' medical history, age, and healthcare needs. Here is a detailed comparison table of the two major health insurance plans for senior citizens in specifically relevant for NRIs seeking to insure their parents living in India:

Criteria	Senior First	ReAssure 2.0
Eligibility	Age 61–75 years (individuals or couples)	Typically available for adults (age criteria may vary)
Sum Insured Options	₹5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh	High sum insured options (up to ₹1 crore or more)
Room Rent Limit	No room rent limit	No room rent limit
Entry Age	Minimum: 61 years, Maximum: 75 years	Varies (can include younger adults as well)
Policy Term	1, 2, or 3 years	1, 2, or 3 years
Pre-Hospitalisation Cover	60 days before hospitalisation	60 days before hospitalisation
Post-Hospitalisation Cover	180 days after discharge	180 days after discharge
Organ Donor Expenses	Covered up to the sum insured	Covered up to the sum insured
AYUSH Treatments	Covered up to sum insured (Ayurveda, Unani, Siddha, Homoeopathy)	Covered up to the sum insured
Health Check-ups	Annual health check-up	Annual health check-up
Coverage for Chronic Diseases	Specialised support for chronic conditions	Covered (with optional critical illness add-ons)
Automatic Restoration	Not available	Unlimited reinstatement of the sum insured
No Claim Bonus	Available	Available
Waiting Period (Pre-existing)	24 months for pre-existing diseases	24–48 months (varies by plan)
OPD Charges	Not covered	Optional add-on (varies by plan)
Special Features	Tailored for seniors Tax benefits under Section 80D No sub-limits	- Unlimited reinstatement - Broad coverage - Critical illness add-ons
Renewability	Lifetime renewability	Lifetime renewability
Network Hospitals	Wide network across India	Wide network across India
Purchase by NRIs	Yes, it can be bought by NRIs for parents living in India	Yes, it can be bought by NRIs for parents living in India

Key Points To Remember

Both plans are suitable for NRI parents residing in India, offering coverage for local hospitalisation, day care, and chronic conditions.
Senior First is specifically designed for senior citizens, with a focus on chronic disease management and no room rent capping.
ReAssure 2.0 provides comprehensive features like unlimited sum insured.
Reinstatement, making it ideal for higher medical risks and repeated hospitalisations.
Both plans offer tax benefits under Section 80D if the NRI files taxes in India.
Waiting periods apply for pre-existing conditions, so early purchase is advisable.

Key Benefits of Health Insurance Policy in India for NRI Parents

Here are the top benefits of a health insurance policy in India that make it a smart choice for NRI families:

Financial Protection

Health insurance provides financial relief during emergencies. With rising treatment costs, this is one of the major benefits of a health insurance policy.

Cashless Hospitalisation

Good health insurance company policies in India offer cashless treatment in a vast network of hospitals. This benefit is especially useful when you are coordinating care from overseas.

Pre- and Post-Hospitalisation Cover

These include doctor visits, medical tests, and post-discharge care. The benefits of a health insurance policy in India now go beyond just hospitalisation.

Portability Benefits

If you are not satisfied with your existing insurer, you can shift to a new health insurance company in India without losing accumulated benefits. This is one of the powerful benefits of porting a health insurance policy.

Tax Savings

You can claim tax deductions under Section 80D of the Income Tax Act. Even NRIs can avail of this benefit if they pay premiums from an Indian account.

Additional Benefits of a Health Insurance Policy That NRIs Should Know

If you’re considering health insurance for your parents from overseas, you’ll be glad to know that:

Plans can be purchased and renewed online.
There is 24/7 assistance to help you manage claims remotely.
Some policies cover tele-consultation and home health services.
Policies can be paid for using Indian bank accounts and still offer full coverage in India.

All of these points highlight the expanding benefits of health insurance policies not just for treatment, but also for convenience and peace of mind.

At Niva Bupa, we understand the unique needs of NRI Parents Living in India. Our plans are designed to offer comprehensive coverage, peace of mind, and financial protection. Whether it's routine care or emergencies, having the right NRI health insurance ensures your parents get the best treatment, without delay or stress.

Frequently Asked Questions

1. Can NRIs buy health insurance for their parents in India?

Yes, NRIs can buy health insurance for their parents who live in India. The premium can be paid from an Indian bank account, and tax benefits may also apply under Section 80D.

2. What is the best type of health insurance for senior citizen parents?
NRI Health Insurance Plans India, like Niva Bupa’s Senior First or ReAssure 2.0, are ideal. They offer higher sum insured options, no room rent limits, and coverage for chronic and age-related conditions.

3. Are pre-existing diseases covered under these policies?

Yes, most policies cover pre-existing diseases after a waiting period. Some senior citizen plans may offer shorter waiting periods or immediate coverage under special terms.

4. What are the benefits of porting a health insurance policy for parents?

Porting helps you switch to a better policy without losing continuity benefits like waiting period credits. It ensures your parents get improved coverage with no break in protection.

5. Is cashless treatment available for parents insured in India?

Yes, many health insurance India offer cashless hospitalisation at network hospitals across India. This is extremely helpful when you are managing care from abroad.

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