There is a strong connection to the home country. No matter how far you’ve travelled or how long you’ve lived abroad. For NRIS living in the UAE, this connection often translates to safeguarding their family’s health and well-being back in India. The article highlights steps NRIS in the UAE can take to arrange suitable health insurance for their families in India.
Why Health Insurance India Matters for UAE-based NRIS
While the UAE has a world-class healthcare system, the high costs and employer-driven limitations make it difficult for family-wide care, especially if your dependents reside in India. This is where Indian health insurance comes into play: emotional reassurance and practical healthcare security.
Health insurance in India offers your family timely access to trusted hospitals, affordable premiums, and tailored benefits that can ease financial stress during medical emergencies. The best part is, with the digital access and global service options, you can easily manage these policies from anywhere in the UAE.
Rising Demand for Indian Health Insurance Among UAE NRIS.
With growing awareness and digitisation, more NRIS are now investing in India-based health insurance. This trend is gaining momentum because
Customised Plans for NRI Needs
Niva Bupa offer flexible plans from online KYC to family floater options these policies cater to today’s healthcare needs, without the burden of lengthy procedures.
You can choose a comprehensive plan for ageing parents, add maternity cover for your spouse back home, or opt for a policy that protects the entire family. With customisable benefits and seamless digital access, it’s easier than ever to safeguard your loved ones' health in India while living abroad.
Affordable Premiums, Greater Value
Premiums in India are significantly lower than in the UAE. If you're earning in dirhams and paying in rupees, the exchange rate works in your favour, making even premium plans cost-effective.
These affordable plans come with features, like hospital network access, annual health check-ups, and preventive care. So, you're not just saving money, you're also getting real value.
Coverage That Keeps You Protected—Even Internationally
We offer optional global coverage. This means you or your insured family members can access treatment not just in India, but in select hospitals abroad, including in the UAE.
From critical illness treatment to elective surgeries, your coverage can be activated as per your need, offering peace of mind, no matter where life takes you.
Tax Benefits Under Indian Law
Even if you’re not currently filing taxes in India, paying health insurance premiums for your family can be tax-smart. Under Section 80D of the Income Tax Act, you can claim:
-
₹25,000/year for premiums for yourself, spouse, or children
-
₹50,000/year if insuring senior citizen parents
These deductions come in handy if you plan to return to India, invest in Indian assets, or simply want to lower your financial footprint legally.
Access to a Vast Hospital Network
We work with thousands of hospitals across the country, offering cashless treatment facilities. Your family in India can avail of top-tier treatment without worrying about paying upfront.
Some policies even allow you to get second medical opinions and teleconsultations for free, giving your family immediate access to expert care.
What to Look for When Choosing a Plan
Selecting the right health insurance in India for your family doesn’t have to be complicated. Here's what you should evaluate:
Wrapping It Up
Buying health insurance in India, like Niva Bupa, while living in the UAE is more than just a backup plan; it’s a form of financial net. It’s a way to stay connected to your roots, even while you’re chasing global dreams. Indian health insurance companies are becoming a significant part of NRIS living in the UAE. With extensive benefits, affordable premiums, and a customer-centric approach, health insurance for NRIS in India serves as a life-jacket that offers a safety net during unforeseen events. Because in the end, home is a place that gives you comfort, peace, and safety!
Comments
0 comment