Do you live away from your family in India and find yourself worrying about their safety and well being back home? Do you ever fear what would happen to your loved ones if something untoward were to happen to you? A physical distance often increases concerns too!
Fortunately, insurance companies in India can ease your worries to a large extent, through comprehensive insurance covers. NRIs can buy many of these policies over the Internet. But shop around for the best rates. And a little bargaining might help too!
Life Insurance
Accident Insurance
Health Insurance
Travel Insurance
Student Insurance
Home Insurance
Auto Insurance
Child Insurance plan
As an NRI, you probably hold several insurance policies – covering pretty much all the major risks, like you car, home, health and so on. Do you then need insurance in India?
Consider this: if you are working abroad but have a family back home, or hold property in India or need to travel to India frequently – in each of these cases there is an element of risk – through damage, theft, death or injury etc. Would it not be wise, therefore, to guard against these imponderables, through insurance?
The best news is that Insurance companies in India are now offering NRIs the facilities of buying insurance covers to meet their very specific needs.
Insurance companies, offers various insurance plans for NRIs and PIOs, including life insurance, plans to guarantee children’s education, pension plans, plans providing periodic payment during one’s life time, and plans to provide for the marriage expenses of children etc.
If you are visiting India, then you can avail of insurance cover for the period of your stay.
The Indian network of health insurance services provides offer cost effective insurance to people who need to travel abroad – for examples, students, relatives of NRIs, etc Insurance companies offer such medical and travel insurance policies. Quite often you, as an NRI, may find it easier to purchase these policies yourself, for your near and dear ones, as all of them can be bought online.
Banks and other institutions too have various insurance plans for the benefit of parents and other family members of NRIs, providing comprehensive health insurance.
Insurance companies provides insurance to NRIs and their spouses and children, even if they reside in India, through schemes like "Pravasi Suraksha", “Pravasi Vanitha Suraksha” and “Kudumba Arogya”.
Insurance policies taken in India can be both affordable and comprehensive. Do evaluate your options carefully before selecting the insurance plan to invest in!
If you have invested in any such policy and would like to share your experience, do share them with us!
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