Indian term cover, wherever you live
If your family or financial commitments are in India, Indian term insurance often gives you far more cover per rupee than a policy bought abroad. Buying from overseas is more straightforward than most people expect.
Cover that actually works for you
More cover per rupee
Indian term premiums are usually a fraction of what equivalent cover costs in many countries, the same protection for noticeably less.
Buy without flying down
Many insurers allow tele-medicals or a medical report from your country of residence, so you don't need a trip to India.
Protects Indian liabilities
If you have a home loan, parents or dependents in India, an Indian policy pays your family there, in rupees, without cross-border friction.
Pay from NRE / NRO or abroad
Premiums can typically be paid from an NRE/NRO account or from overseas, we'll set this up so renewals never lapse.
Claims paid to your nominee in India
The payout goes to your nominee in India, which is exactly where most NRI families need the money.
Claims-first shortlist
We rank insurers by claim settlement record, doubly important when your family may be handling the claim without you nearby.
Find the right fit
Not sure which one suits you? That's exactly what our free call is for.
Pure term (Indian insurer)
Maximum cover at the lowest premium, paid to your nominee in India.
Most NRIs
Term with riders
Add critical illness or accidental cover where the insurer offers it to non-residents.
Extra protection
Return of premium
Premiums refunded if you outlive the term, at a higher cost.
Want money back
Indian + local cover
An Indian policy for Indian obligations, alongside local cover where you live.
Split commitments
What to check as an NRI buyer
- Whether the insurer covers your country of residence (a few are restricted)
- How medicals are handled, tele-medical, local report, or during an India visit
- Which account you'll pay premiums from, and how renewals will be collected
- Whether your nominee in India is correctly recorded
- Honest disclosure of your occupation, travel and health, the key to a safe claim
- How the claim would be filed from India if you're not there
Advice with zero spam
Talk to IRDAI-certified advisors who get paid to help you, not to push a product. No call-centre scripts, no endless follow-ups.
We handle the paperwork
From shortlisting to medicals to policy issuance, we stay with you end-to-end so nothing falls through the cracks.
Claims support for life
When you need to claim, our team helps you file, follow up and get paid, for as long as you hold the policy.
Term Insurance for NRIs FAQs
Yes. Indian insurers actively offer term cover to NRIs and OCIs, and the premiums are often far lower than comparable cover abroad. A few insurers restrict certain countries, which we check upfront.
Usually not. Many insurers accept tele-medicals or a medical report done in your country. Some prefer a medical during an India visit, we'll match you to one that fits your situation.
Premiums are usually paid in rupees from an NRE/NRO account, and several insurers accept payment from overseas. We'll set up a method that won't cause a missed renewal.
To your nominee in India, in rupees. If your family and financial obligations are there, that's exactly where the money is needed.
It depends on where your dependents and liabilities are. Many NRIs sensibly hold both, Indian cover for Indian commitments, local cover for local ones. We'll help you think it through.
Insurers we place term insurance for nris with
Life insurance
Get term insurance for nris advice you can trust
Book a free, no-obligation call. We'll help you choose the right cover, and nothing you don't need.