Term insurance for NRI is a type of life insurance plans that are designed for Non-Resident Indians (NRIs) and help them financially secure their loved ones living in India or abroad. These NRI term insurance plans pay the selected payout to the nominee of the policy, irrespective of where they reside, in the event of the policyholder’s untimely death, and help them take care of their financial needs. With FEMA compliance , flexible premium pay options, large life cover, longer policy terms, and 0% GST on premiums these term life insurance plans offer affordable protection against eventualities. Save Up to 50% Compared to International Insurance Plans Comprehensive Coverage Across the Globe Dedicated Claim Support Team for Your Family Term Insurance for NRI Policybazaar is Certified platinum Partner for View Certificate Insurer Claim Settled 99.7% 99.7% 99.1% 99.2% 98.2% 99.2% 98.82% 96.9% 98.4% 99.7% View Certificate Directly from Experts Policybazaar’s Dedicated Claim Assistance Program (DCAP) assigns every customer a dedicated relationship manager to guide them through their policy and assist them even during claim settlement. In tough times, we’re here to support you. We handle everything for you - from filling out the forms to ensuring your claims are settled. We’re here for your complete help at every step, so you never have to worry. The answer to, can NRI buy online term insurance? Yes. Buying term insurance online from Policybazaar is quick and simple, with just a few clicks. Now protect your family’s future while you bid adieu to all your stress. Business Head - Term Insurance An NRI Term Insurance plan is a type of life insurance plan specifically designed for NRIs to secure their family’s future. These term plans provide a sum assured to the nominee after the unforeseen death of the policyholder. Term insurance for NRI plans in India 2026 helps individuals to choose how to pay premium online, customised sum assured, and provide flexibility in payout modes. The payout modes can be installments or lump sum to suit the needs of beneficiaries in India or in foreign countries. Let’s say an NRI working in the UAE who buys a 1 crore term insurance plan in India. In case something unforeseen happens, their loved ones in India may get a lump sum amount which will further help them financially. They can easily repay their unpaid loans , cover the children’s marriage and education expenses , or by simply paying for regular expenses. yes. NRIs can buy term insurance plans in India in a very easy and hassle-free manner. All they have to do is to provide the important documents in order to prove their Indian Citizenship, like recent ITR, valid address proof, etc. They can now easily buy India's best term insurance plan in just a few minutes by scheduling a VMER or telemedical check-up from their current country. With Policybazaar.com , it takes a few minutes to buy NRI term insurance online. You can easily compare different plans from different insurers and choose the best type of coverage as per your needs. The Foreign Exchange Management Act (FEMA) regulates all cross-border transactions, inbound investments, and asset ownership for Non-Resident Indians (NRIs). Under FEMA, you are classified as an NRI if you stay outside India for more than 182 days in a financial year. With FEMA compliant term insurance for NRIs , you can get a 0% GST on premiums, 5% discount on premiums on the annual premium pay mode, premiums up to 40-50% more affordable than an international term plan, a simpler claim settlement process for your family, and dedicated claim settlement in your absence. Family Financial Protection Term insurance plans for NRI can be very important for financially protecting your family's future. NRI term insurance plan is an affordable way to cover the future expenses of your family members using the life cover amount, ensuring that NRI live with peace. Select the Right Pay Out Options Various term insurance payout options are available for term insurance for NRI in India , such as lump sum, regular income, or a combination of lump sum and regular income. Depending on your family’s lifestyle needs and preferences, you can choose any of these options while buying term insurance for NRI plans. Flexible-Premium Payment Modes You can get a high amount of pure risk coverage from your term insurance for NRI plan at a low premium rate. Premium payments can be made either monthly, biannually, quarterly, or annually. The earlier you buy a term plan, the lower the premium you have to pay. Death Benefit Term insurance plans provide a sum assured in case of the policyholder’s unfortunate death. As per the guidelines mentioned in section 10(10D) of the Income Tax Act, 1961, the death benefit is given to the nominee/beneficiary and is free of taxes. Long-Term Coverage Term Insurance for NRI offers pure risk cover for a long policy tenure. Some plans provide coverage for as long as 99/100 years. These protection plans offer flexible coverage with multiple premium payment options to financially protect the policyholder and their family members. Limited Pay Benefit With NRI term insurance plans, you can choose to pay the premiums for a limited tenure rather than the regular policy term with limited premium pay benefits. The premium payment term will end earlier than the coverage term. Tax Benefits You can easily claim term insurance tax benefits under sections 80C and 10(10D) of the Income Tax Act, 1961 as per the prevailing tax laws with term insurance for NRIs in India. Support for FIRE (Financial Independence, Retire Early) Goals Many NRIs today aim for financial independence at an early age. Term insurance complements this journey by safeguarding your family while you focus on wealth creation. Using a FIRE calculator can help you calculate how much to save and invest to achieve early retirement, making sure that your protection plan and long-term financial goals stay aligned. Protection Against Currency Fluctuations NRIs often have to worry about currency fluctuations or foreign exchange rates. With the fixed NRI term insurance sum assured, you can plan your family’s future without foreign currency fluctuations. This exchange rate volatility can negatively affect your financial planning and decisions. Easier Claim Settlement in India One of the main benefits of buying term insurance for NRI from India is the easier claim settlement for your family. Your loved ones can easily initiate, track, and receive the claim payout from an Indian insurer. Best Term Insurance Plans for NRI in India 2026 ~ *Disclaimer: * The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in Note: You can also use term insurance for NRI premium calculator to estimate the applicable premium payable for the desired NRI term insurance. Dedicated claim support for NRIs For families living abroad, handling claims from a distance can feel overwhelming. Policybazaar tries to make this part as smooth as possible with their Dedicated Claim Assistance Program . When an NRI buys a policy, the nominee receives a Claim Assistance Card with all the key details and a direct contact for a relationship manager. This person is available round the clock to guide the family through every step, right from informing the insurer to helping with the paperwork and following up on the claim’s progress. There’s also on-ground help in more than 85 cities in India. A representative will visit the nominee’s home, help with forms, collect documents, and get the process moving, often wrapping up the formalities in under half an hour. For families dealing with a difficult time, this kind of support removes a lot of stress and uncertainty. Lowest Price Guarantee NRIs often worry about whether they’re paying more than they should for life cover back home. Policybazaar tries to solve that with its Lowest Price Guarantee , meaning the platform compares policies across leading insurers and helps you lock in the best premium available for the coverage you need. No surprises, no extra charges. Whether you’re living in the UAE, the US, the UK, or anywhere else, you can be sure you’re not overpaying for your policy. Affordable plans compared to global insurers Term plans available through Policybazaar are usually far more cost-effective than what many international insurers offer. Since the platform works with top Indian life insurance companies, NRIs can get strong coverage at much lower premiums. It is a practical way to secure good financial protection for family members back home without compromising your budget abroad. Term insurance for NRI in India is similarly like regular term insurance. The insurer agrees to provide the life insurance cover to the policyholder and pays the selected sum assured to your family in case of your untimely demise. The policyholder has to regularly pay the premiums to ensure continued coverage. Let us understand how term insurance for NRI works with the help of an example: Rajeev, a 30-year-old NRI who recently moved to the USA, bought a term plan to ensure his family's financial security back in India. Despite living abroad, Rajeev wanted to ensure his loved ones would be protected in case of unforeseen events. He bought term insurance for an NRI plan that offers high life cover at affordable premiums. This coverage will help his loved ones manage daily expenses, pay off any liabilities, and maintain their lifestyle, even if he's not around. NRI term insurance plans can be purchased online or offline. With tele/video medical checkups, the online buying process of NRI term plans from India has become hassle-free for NRI living anywhere in the world. *Note: To understand what is term insurance for NRI, you need to understand term insurance meaning and then buy the best term insurance for NRI at affordable premiums. @ Starting from ₹ 22/day+ @ Starting from ₹ 45/day+ @ Starting from ₹ 62/day+ Secure Your Family Future Today Term Plan Starting @ ₹ 574/month Get an online discount of upto 10% + Compare 40+ plans from 20+ Insurers Who, Why & When You Should Buy Term Insurance for NRI in India? Who is Eligible to Buy Term Insurance for NRI in India? The minimum and maximum age limits for term insurance for NRI are 18 years and 65 years, respectively. Apart from these, the following individuals can buy term life insurance for expats to ensure the financial protection of their loved ones with term insurance for NRI in India: Non Resident Indians (NRI): Indian citizens with valid Indian passports residing/earning/doing business for more than 182 days in a foreign country are considered NRIs and are eligible to buy term plan for NRI. Overseas Citizen of India (OCI)/Person of Indian Origin (PIO) Individuals who have Indian citizenship or Indian ancestry and are residing abroad (OCIs). Former Indian Passport holders: Citizens of countries other than Bangladesh and Pakistan who have held an Indian passport in the past. Ancestral Relation: Individuals of countries other than Bangladesh and Pakistan whose parents or grandparents are considered Citizens of India per the Citizenship Act 1955 or the Constitution of India. OCI Eligibility for Spouses of Indian Citizens A foreign national married to an Indian citizen falls under the category of OCI. Why Should NRIs Buy Term Insurance in India? Buying term plan for NRI has various benefits that include simple claim processing for family members living in India, income tax benefits, family’s financial security through life cover amount, cost-effective premiums, and the comfort of living with the right peace of mind, knowing that your loved ones’ future is not in difficulty in case of your unfortunate death. Below are some of the reasons why buying term life insurance plan for NRI from India is more beneficial than abroad: Large number of insurers available in India In India, there are various life insurance providers enlisted under the insurance regulating authority, and every company offers different types of Term insurance for NRI with high life cover at affordable rates. Large number of insurers available in India In India, there are various life insurance providers enlisted under the insurance regulating authority, and every company offers different types of Term insurance for NRI with high life cover at affordable rates. Pre-Approved Cover With Policybazaar, you can exclusively get pre-approved term insurance cover of up to 5 Crores with no medical tests and hassle-free processing. Pre-Approved Cover With Policybazaar, you can exclusively get pre-approved term insurance cover of up to 5 Crores with no medical tests and hassle-free processing. Financial Protection for Family With term insurance for NRI, you can ensure the financial protection of your loved ones back home in India, even if you are unable to visit India due to unforeseen events like a pandemic. This security becomes an important pillar when you are working towards long-term goals like FIRE , where having a reliable safety net for your family allows you to plan your independence with confidence. Financial Protection for Family With term insurance for NRI, you can ensure the financial protection of your loved ones back home in India, even if you are unable to visit India due to unforeseen events like a pandemic. This security becomes an important pillar when you are working towards long-term goals like FIRE , where having a reliable safety net for your family allows you to plan your independence with confidence. Worldwide Coverage with 24x7 Claim Assistance Term life insurance for NRI provides global coverage with 24x7 claim assistance. This means, if you buy term insurance for NRI from India and then move to a different country, your policy cover will remain active across the globe. However, it is suggested that you confer with your insurance provider and update them on your country of residence once you move. Similarly, various local insurers in your current country (like Orient Insurance in UAE ) may also offer global coverage. So, if you are an expat or NRI and travel to India multiple times annually, you should buy life insurance for expats in India. Worldwide Coverage with 24x7 Claim Assistance Term life insurance for NRI provides global coverage with 24x7 claim assistance. This means, if you buy term insurance for NRI from India and then move to a different country, your policy cover will remain active across the globe. However, it is suggested that you confer with your insurance provider and update them on your country of residence once you move. Similarly, various local insurers in your current country (like Orient Insurance in UAE ) may also offer global coverage. So, if you are an expat or NRI and travel to India multiple times annually, you should buy life insurance for expats in India. VMER (Video Medical Examination Report) or Tele-medical Checkup Policyholders can now easily buy an NRI term insurance plan in India by scheduling a tele or video medical checkup for term insurance from their home country. At the onset of the pandemic, the underwriting rules were tightened, and policy buyers were required to undergo physical medical tests. The coverage amounts had been capped. But, now, with the relaxation in rules and regulations, NRI can receive a large pure risk cover with tele-medicals checkups on term insurance. VMER (Video Medical Examination Report) or Tele-medical Checkup Policyholders can now easily buy an NRI term insurance plan in India by scheduling a tele or video medical checkup for term insurance from their home country. At the onset of the pandemic, the underwriting rules were tightened, and policy buyers were required to undergo physical medical tests. The coverage amounts had been capped. But, now, with the relaxation in rules and regulations, NRI can receive a large pure risk cover with tele-medicals checkups on term insurance. Claim Settlement Ratio (CSR) The (Claim Settlement Ratio) CSR is the % of claims an insurance company settles yearly out of total claims. It indicates the reliability and credibility of the insurer. So, if the CSR of an insurer ranges between 95-100%, you need not think twice before purchasing an NRI term insurance. You can check the term insurance claim settlement ratio online and buy the best term insurance for NRI from the most suitable insurer. Claim Settlement Ratio (CSR) The (Claim Settlement Ratio) CSR is the % of claims an insurance company settles yearly out of total claims. It indicates the reliability and credibility of the insurer. So, if the CSR of an insurer ranges between 95-100%, you need not think twice before purchasing an NRI term insurance. You can check the term insurance claim settlement ratio online and buy the best term insurance for NRI from the most suitable insurer. Easy Claim Process Buying an NRI term insurance from India can help your family settle their claims easily and hassle-free. If the insurance company is in India, your grieving family won’t have to worry about travelling to your current country of residence to settle their term insurance claim. They can easily contact and file for term insurance claim settlement in India in their time of need. Easy Claim Process Buying an NRI term insurance from India can help your family settle their claims easily and hassle-free. If the insurance company is in India, your grieving family won’t have to worry about travelling to your current country of residence to settle their term insurance claim. They can easily contact and file for term insurance claim settlement in India in their time of need. Low Premium Rates Term insurance for NRI plans from India is up to 40% to 50% more affordable than international term life insurance plans from other developed countries. With term insurance for NRI in India, you can get large life cover at an affordable premium. The difference in level-term life insurance rates varies from one country to another. Therefore, comparing the available plans and buying the term insurance for NRI 2026 is always better. For example, an NRI term insurance for 2 Crores has a monthly premium rate of Rs. 574. Low Premium Rates Term insurance for NRI plans from India is up to 40% to 50% more affordable than international term life insurance plans from other developed countries. With term insurance for NRI in India, you can get large life cover at an affordable premium. The difference in level-term life insurance rates varies from one country to another. Therefore, comparing the available plans and buying the term insurance for NRI 2026 is always better. For example, an NRI term insurance for 2 Crores has a monthly premium rate of Rs. 574. FEMA-Compliant Term Plans Term insurance for NRIs are designed to comply with the guidelines under the Foreign Exchange Management Act (FEMA). NRIs can conveniently pay premiums through NRE, NRO, or FCNR accounts, while claim payouts are processed as per RBI and FEMA regulations, ensuring smooth fund transfers and hassle-free financial transactions for policyholders and nominees. FEMA-Compliant Term Plans Term insurance for NRIs are designed to comply with the guidelines under the Foreign Exchange Management Act (FEMA). NRIs can conveniently pay premiums through NRE, NRO, or FCNR accounts, while claim payouts are processed as per RBI and FEMA regulations, ensuring smooth fund transfers and hassle-free financial transactions for policyholders and nominees. Special Exit Option In India, NRI can buy term plans with a special exit option included in the plan. With this option, the NRI can terminate the plan at a specific stage and receive all the premiums paid to keep the policy active at the end of the term. This option is especially beneficial for those uncertain about retirement age or when their financial dependents will be independent. Special Exit Option In India, NRI can buy term plans with a special exit option included in the plan. With this option, the NRI can terminate the plan at a specific stage and receive all the premiums paid to keep the policy active at the end of the term. This option is especially beneficial for those uncertain about retirement age or when their financial dependents will be independent. Extra Discount on Annual Payment Mode An NRI customer can claim an additional 5% discount on the premium amount paid in an annual mode for their protection plans. Extra Discount on Annual Payment Mode An NRI customer can claim an additional 5% discount on the premium amount paid in an annual mode for their protection plans. 0% GST on Premiums GST, as per the current tax rules on term insurance, has been reduced to 0%. You can check with your financial advisor to see the GST term insurance and other tax benefits applicable to your profile. 0% GST on Premiums GST, as per the current tax rules on term insurance, has been reduced to 0%. You can check with your financial advisor to see the GST term insurance and other tax benefits applicable to your profile. When Should NRI Buy Term Life Insurance Plans? One of the most common life cover preferred among the buyers of term insurance is 1 crore or 2 crore term insurance . Term insurance premium increases with age thus it is suggested that an NRI should buy term plan at an early age to avoid high premium amounts. You can also look for add-ons such as critical illness and term insurance with return of premium plans. Here are some of the major milestones of life for NRI to buy term insurance: Secure a term plan as soon as possible to lock in affordable premiums for the entire policy term. For instance, you can get ₹2 Crore life cover for just ₹582/month . While Settling Abroad: Buy term insurance soon after moving abroad for global coverage. Policybazaar facilitates tele/video-medical calls, and it's more affordable in India than elsewhere. When Starting a Family: Buy term insurance when planning to start a family to ensure financial protection for spouses and children, safeguarding their future even in unforeseen circumstances. Before Major Financial Commitments: Protect your family from financial burdens like loans or mortgages in case of unexpected events by acquiring term insurance. 1 Premiums are upto 50-60% lower 2 Tele-video medical facility 3 Benefits and coverage applicable across the world 4 Additional 5% discount on annual mode 5 Get Early Exit Benefit at no extra cost 6 Dedicated Claim Assistance for easy claim process Accidental Death Benefits NRI can add the Accidental Death Benefit rider to their term insurance plan. This accidental death cover offers an extra sum assured and provides additional protection in case of accidental death. Terminal Illness Benefits NRI Term plan provides you coverage against terminal illnesses. It gives you lump sum payouts in case of the diagnosis of a terminal illness. Cover Against Critical Illness With NRI Term Insurance, you can get enhanced coverage against specific critical illnesses for the entire policy term. This can help you pay the hefty medical bills and treatment costs on the diagnosis of a critical illness covered under the plan. Waiver of Premiums on Disability With this rider, the remaining premiums of the term insurance for NRI plan will be waived off in case of a job loss due to an accidental total permanent disability occurred during the policy term. This allows you to continue the cover of your NRI Term Insurance even in case of an accidental disability. Top 5 Term Insurance Plans for NRIs Available on Policybazaar *Disclaimer: * The insurers mentioned above are arranged in order of highest to lowest annualised premium, based on data from the IRDAI Annual Report 2024–25. Policybazaar does not endorse, rate, or recommend any specific insurer or insurance product. For the complete list of life insurers in India, please visit the IRDAI website. Here is how Policybazaar term insurance for NRI can be purchased in India 2026: Step 01 : Go to the Term Insurance for NRI in India page Step 02 : Enter the required information like name, date of birth, contact information, country of residence, and gender, and click on ‘View Plans’ Step 03 : Fill in your smoking and chewing tobacco habits, educational background, annual income, and occupation type Step 04 : Compare and select the most suitable NRI term life insurance in India Step 05 : Proceed to pay 1 Valid Passport front and back side 2 Employment ID Proof 3 Valid Visa Copy 4 Last entry-exit stamp 5 Proof of NRI status (OCI/PIO card) 6 Income proof such as: Last 6 months bank statements and last 3 month salary slips. NRI may also submit FACTA declaration. 7 Passport size Photographs 8 Address Proof (India or abroad) Common Questions Asked By NRIs Yes, NRIs, OCIs (Overseas Citizens of India), and PIOs (Persons of Indian Origin) are eligible. Insurers generally require you to be between the ages of 18 and 60–65, possess a valid Indian passport, and have proof of your foreign residence (e.g., a work visa or resident permit). Most providers also require a minimum annual income, often around ₹10 lakh. Yes. Term policies purchased in India provide worldwide coverage. If you pass away outside of India, your nominee can still claim the sum assured, provided all policy conditions are met and the premiums were up to date. You simply need to keep your insurer informed of any changes in your address or contact details. Insurers generally do not accept payments made directly via foreign bank transfers or foreign currency. You must pay your premiums using Indian banking channels, which primarily include: NRE (Non-Resident External) Account: Repatriable funds. NRO (Non-Resident Ordinary) Account: Non-repatriable funds. Net banking or International credit/debit cards linked to an Indian bank account. No, you do not need to fly to India. Many insurers allow NRIs to complete the entire purchasing process digitally. You can apply online, submit your documents, and complete medical examinations via tele-underwriting or through tie-ups with diagnostic centers in your country of residence In most cases, premium rates remain identical to those for residents. However, premium costs heavily depend on your exact country of residence. If you reside in a country or travel to regions classified as "high-risk" (due to political instability or war), the insurer may charge an extra loading fee or deny coverage. How are term insurance Premiums and Payouts Taxed for NRIs? Term insurance for NRIs provides financial security to the family in their time of need, peace of mind that your family will be financially stable in your absence, and tax benefits as well. You can get the following tax benefits on term insurance for NRI from India: Section 80C: The premiums paid towards NRI term plans are eligible for tax deductions of up to ₹1.5 Lacs under this section. Section 10(10D): The death benefit payout received by the family in the absence of the policyholder is tax-free as per the prevailing tax laws. TDS Applicability: In case the life insurance for NRI does not comply with Section 10(10D) of the IT Act, 1961, then the TDS will be applied to the payout as per Section 195. Make sure to consult your financial advisor to see the applicable tax benefits for your profile. What are the Tax Benefits of NRI Term Insurance for Indian Income? Term insurance for NRIs provides financial security to the family in their time of need, peace of mind that your family will be financially stable in your absence, and tax benefits as well. You can get the following tax benefits on term insurance for NRI from India: Section 80C: The premiums paid towards NRI term plans are eligible for tax deductions of up to ₹1.5 Lacs under this section. Section 10(10D): The death benefit payout received by the family in the absence of the policyholder is tax-free as per the prevailing tax laws. TDS Applicability: In case the life insurance for NRI does not comply with Section 10(10D) of the IT Act, 1961, then the TDS will be applied to the payout as per Section 195. Make sure to consult your financial advisor to see the applicable tax benefits for your profile. Can NRIs Buy Term Insurance in India If They Already Have a Policy From a Foreign Insurer? Yes. NRIs can buy a term insurance policy in India even if they already have coverage from a foreign insurer. Having multiple policies is a standard practice known as "co-insurance" or "overlapping coverage," which helps secure adequate financial protection for your family. Can NRIs Buy Term Insurance for their Parents Who are Living in India? Yes. NRIs can buy term insurance for parents living in India, but it depends heavily on proving insurable interest. As an NRI, you can purchase and pay for the policy, but the policy will be issued in your parents' names. NRI Term Insurance Claims Process The claim process for NRI term insurance is simple and can be completed entirely from abroad. Nominees do not need to travel to India, as claims can be raised online and documents can be submitted digitally or via courier. Most leading Indian insurers have a claim settlement ratio of over 99%, which ensures a dependable process. Documents Required to Claim NRI Term Insurance Embassy-attested death certificate if the death occurs abroad Policy document Nominee’s ID and address proof Medical records, if applicable Duly filled claim form Passport copy of the insured Indian bank account details such as savings, NRO, or NRE account The claim amount is paid in INR and credited to an Indian bank account. If the policy is purchased through PolicyBazaar, a dedicated Relationship Manager supports the nominee at every step, from raising the claim to final settlement, at no extra cost. Step 1: The nominee needs to inform the insurer about the policyholder’s death. Step 2: Then, fill and submit the complete documentation, such as submitting claim applications, original Policybazaar term insurance policy documents, medical certificates, death certificates, post-mortem reports, certificates of employer, etc. Step 3: The insurance company will then investigate the claim request. This process may take up to 3 months, and additional documents may be needed to verify the details mentioned in the claim. Step 4: The claim amount will then be approved and disbursed into the nominee's account. Also, you can easily claim your NRI term insurance by getting in touch with Policybazaar’s Claim Assistance Team by either calling the NRI claim helpline number +91-124-6166633, connecting via WhatsApp on +91 8506013131, or sending an email to care@policybazaar.com. You will be required to submit all the important details and documents. On successful verification, the claim will be processed in as few as 4 hours, as per the specific insurer’s claim settlement process. Get large life cover upto Rs 10 Crores at affordable premium rates. Purchase term plans in India by scheduling medical via video or call. Receive an additional 5% discount on premiums in annual mode. 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Is there any pure term insurance for a non-graduate NRI? Ans: Yes, pure term insurance plans are available for non-graduate NRIs, as eligibility mainly depends on age, income, and health. Is there any pure term insurance for a non-graduate NRI? Ans: Yes, pure term insurance plans are available for non-graduate NRIs, as eligibility mainly depends on age, income, and health. What happens to your home loan account after you become an NRI? Ans: When you become an NRI, your home loan account does not stop or get cancelled. It continues as per the original terms, with a few important updates. Loan continues as usual: Your EMI payments must continue without interruption. Bank intimation is required: You need to inform your lender about your NRI status. Repayment mode may change: EMIs are typically paid through NRE or NRO accounts. Home loan insurance continuity: If you already have a home loan insurance policy, it continues after you become an NRI, provided you inform the insurer. New credit life policies may not be available for NRIs. What happens to your home loan account after you become an NRI? Ans: When you become an NRI, your home loan account does not stop or get cancelled. It continues as per the original terms, with a few important updates. Loan continues as usual: Your EMI payments must continue without interruption. Bank intimation is required: You need to inform your lender about your NRI status. Repayment mode may change: EMIs are typically paid through NRE or NRO accounts. Home loan insurance continuity: If you already have a home loan insurance policy, it continues after you become an NRI, provided you inform the insurer. New credit life policies may not be available for NRIs. What is the age limit for NRI term insurance? Ans: Most insurers have an age limit of 18 to 60 years for buying term insurance for NRIs. However, it is better to check the exact entry age details for specific plans before buying. What is the age limit for NRI term insurance? Ans: Most insurers have an age limit of 18 to 60 years for buying term insurance for NRIs. However, it is better to check the exact entry age details for specific plans before buying. What is the new rule for NRI in India? Ans: As per the new rules salary earned or work done in India, rent from property in India, and capital gains on Indian shares or property are taxable, while interest from NRO accounts is taxable and NRE or FCNR interest remains tax-free. You should always refer to a tax advisor when filing for taxes as an NRI. What is the new rule for NRI in India? Ans: As per the new rules salary earned or work done in India, rent from property in India, and capital gains on Indian shares or property are taxable, while interest from NRO accounts is taxable and NRE or FCNR interest remains tax-free. You should always refer to a tax advisor when filing for taxes as an NRI. Which term insurance is suitable for NRI? Ans: To understand, which term insurance suitable for NRI, you need to first go to the NRI term insurance page of policybazaar, fill in your details and current country of residence, check and compare the available plans, and then buy the one most suitable for yourself. Which term insurance is suitable for NRI? Ans: To understand, which term insurance suitable for NRI, you need to first go to the NRI term insurance page of policybazaar, fill in your details and current country of residence, check and compare the available plans, and then buy the one most suitable for yourself. Can NRI buy term insurance in India​? Ans: Yes, NRIs can buy this plan with simple documentation online. The NRI term insurance plans offer flexible premium payment modes and the death benefit is paid in India in form of INR. This ensures a hassle-free and a smooth process for your family. Can NRI buy term insurance in India​?

Ans: Yes, NRIs can buy this plan with simple documentation online. The NRI term insurance plans offer flexible premium payment modes and the death benefit is paid in India in form of INR. This ensures a hassle-free and a smooth process for your family. Is NRI eligible for term insurance? Ans: Yes, NRIs are eligible for term life insurance plans India. Various insurers offer NRI term insurance plans to help secure the financial future of the family of NRI. The term of these plans can be as short as 6 months and as long as 25 years. NRI should be at least 18 years old to be eligible to buy term plan. In most cases, you cannot buy term plan if you are above 60/65 years of age. Is NRI eligible for term insurance? Ans: Yes, NRIs are eligible for term life insurance plans India. Various insurers offer NRI term insurance plans to help secure the financial future of the family of NRI. The term of these plans can be as short as 6 months and as long as 25 years. NRI should be at least 18 years old to be eligible to buy term plan. In most cases, you cannot buy term plan if you are above 60/65 years of age. What is the 3 year rule in term insurance? Ans: The 3 year rule, also called as Incontestability clause u/s 45 of India’s Insurance Act) refers that an insurance company cannot deny a term insurance claim because of non-disclosure or mis-representation after the plan has been active for 3 continuous years. What is the 3 year rule in term insurance? Ans: The 3 year rule, also called as Incontestability clause u/s 45 of India’s Insurance Act) refers that an insurance company cannot deny a term insurance claim because of non-disclosure or mis-representation after the plan has been active for 3 continuous years. Does the NRI need to be present in India while buying a term insurance plan? Ans: As an NRI, planning a visit to India solely to buy a term plan is no longer a mandate. Tele-medical or Video medical check-ups have ensured that NRI can now buy a term plan from their residential country. Simply put, NRI doesn't have to be present in India while buying a term plan. They can easily buy the term insurance for NRI in India from anywhere in the world with the easy issuance process via video medicals. Does the NRI need to be present in India while buying a term insurance plan? Ans: As an NRI, planning a visit to India solely to buy a term plan is no longer a mandate. Tele-medical or Video medical check-ups have ensured that NRI can now buy a term plan from their residential country. Simply put, NRI doesn't have to be present in India while buying a term plan. They can easily buy the term insurance for NRI in India from anywhere in the world with the easy issuance process via video medicals. Can I buy more than one life term insurance policy? Ans: Yes. It is possible to buy multiple term insurance plans for increased protection. With multiple-term plans, the life assured can receive extra benefits by buying additional rider benefits like terminal illness and accidental death cover. So, choosing more than 2 protection plans adequately covers an individual and his/her family’s changing needs such as a child’s education or marriage. But, if you’re an NRI, you must certainly buy term insurance for NRI plan from Indian insurers. Can I buy more than one life term insurance policy? Ans: Yes. It is possible to buy multiple term insurance plans for increased protection. With multiple-term plans, the life assured can receive extra benefits by buying additional rider benefits like terminal illness and accidental death cover. So, choosing more than 2 protection plans adequately covers an individual and his/her family’s changing needs such as a child’s education or marriage. But, if you’re an NRI, you must certainly buy term insurance for NRI plan from Indian insurers. Why do NRI buy term insurance in India? Ans: NRI who are living away from their loved ones and want to protect their financial future, choose to buy term plan in India. Buying Policybazaar term insurance for NRI for your family living in India helps NRI to live with peace of mind, knowing the financial future of their family is not in danger. Why do NRI buy term insurance in India? Ans: NRI who are living away from their loved ones and want to protect their financial future, choose to buy term plan in India. Buying Policybazaar term insurance for NRI for your family living in India helps NRI to live with peace of mind, knowing the financial future of their family is not in danger. What if an NRI does not Pay Term Plan Premium on Time? Ans: In case an NRI Term Insurance policyholder misses out on the date of premium payment or fails to pay, then a grace period is offered for the same. The life term insurance policy is not abolished if the policyholder pays the pending premium during this period. For a policy with a premium payment frequency of 6 months or 1 year, the grace period is 30 days. What if an NRI does not Pay Term Plan Premium on Time? Ans: In case an NRI Term Insurance policyholder misses out on the date of premium payment or fails to pay, then a grace period is offered for the same. The life term insurance policy is not abolished if the policyholder pays the pending premium during this period. For a policy with a premium payment frequency of 6 months or 1 year, the grace period is 30 days. Can Indian citizens buy term insurance in the USA? Ans: Yes, Indian citizens living in the USA can also buy term insurance for NRI in India at affordable premiums online. You can compare Policybazaar term insurance for NRI from different insurers and select the fits your needs. Can Indian citizens buy term insurance in the USA? Ans: Yes, Indian citizens living in the USA can also buy term insurance for NRI in India at affordable premiums online. You can compare Policybazaar term insurance for NRI from different insurers and select the fits your needs. Will I still be able to buy NRI Term Insurance if I convert from an NRI to a US Citizen? Ans. Yes, you will still be able to buy term insurance for NRI even if you convert from an NRI to a citizen of another country. However, you will need to submit your PIO or OCI card before buying an NRI term insurance in India. Will I still be able to buy NRI Term Insurance if I convert from an NRI to a US Citizen? Ans. Yes, you will still be able to buy term insurance for NRI even if you convert from an NRI to a citizen of another country. However, you will need to submit your PIO or OCI card before buying an NRI term insurance in India. Can NRI pay using international currency? Ans. Yes, NRI can pay premiums for NRI term life insurance in India using international currency, but conversion rates will be applied as the end payment will be done in INR. Can NRI pay using international currency? Ans. Yes, NRI can pay premiums for NRI term life insurance in India using international currency, but conversion rates will be applied as the end payment will be done in INR. Can NRI designate term insurance nominees outside India? Ans. Yes, NRI can designate Policybazaar term insurance nominees outside India. Can NRI designate term insurance nominees outside India? Ans. Yes, NRI can designate Policybazaar term insurance nominees outside India. Will the NRI Term Insurance still cover my nominee if he/she changes country? Ans. Yes, the Term Insurance for NRI in India will still cover your nominee if he/she changes country. Will the NRI Term Insurance still cover my nominee if he/she changes country? Ans. Yes, the Term Insurance for NRI in India will still cover your nominee if he/she changes country. What are NRE and NRO accounts for Non Resident Indians? Ans. NRO is a Non-resident Ordinary bank account that helps NRI to deposit and manage the income that they earn in India. Whereas NRE is Non-Residental External is a type of bank account wherein foreign currency earned from the residential country can be deposited in India. What are NRE and NRO accounts for Non Resident Indians? Ans. NRO is a Non-resident Ordinary bank account that helps NRI to deposit and manage the income that they earn in India. Whereas NRE is Non-Residental External is a type of bank account wherein foreign currency earned from the residential country can be deposited in India. How much money can NRI send to India without tax? Ans. NRIs can send the type of gift and the tax rules as per the below table: Type of Gift Tax Rules Gifts up to Rs. 50,000 Not taxable for both the parties Gifts above Rs. 50,000 Taxable for the receiver with applicable tax rates (for non-related parties) How much money can NRI send to India without tax? Ans. NRIs can send the type of gift and the tax rules as per the below table: Can NRI buy LIC plans? Ans. NRI are allowed to buy insurance during their visit to India, and all the documentation is completed during their visit. If they want to buy Term insurance for NRI plans, they have multiple options on Policybazaar. They can use the comparison engine to compare multiple term plans and buy the suited one. Can NRI buy LIC plans? Ans. NRI are allowed to buy insurance during their visit to India, and all the documentation is completed during their visit. If they want to buy Term insurance for NRI plans, they have multiple options on Policybazaar. They can use the comparison engine to compare multiple term plans and buy the suited one. Can an OCI cardholder buy term insurance in India? Ans. OCIs, PIOs, and NRI can make premium payments on term plans through internet banking using Non-Resident External (NRE), Foreign Currency Non-Resident Accounts (FCNR), and Non-Resident Ordinary (NRO). Can an OCI cardholder buy term insurance in India? Ans. OCIs, PIOs, and NRI can make premium payments on term plans through internet banking using Non-Resident External (NRE), Foreign Currency Non-Resident Accounts (FCNR), and Non-Resident Ordinary (NRO). What is expatriate meaning? Ans. Expatriate meaning refers to individuals living outside their native country. For Policybazaar term insurance, it includes NRI who want to secure their family's financial future in India. What is expatriate meaning? Ans. Expatriate meaning refers to individuals living outside their native country. For Policybazaar term insurance, it includes NRI who want to secure their family's financial future in India. Can expatriates buy term plan in India? Ans. Yes, expatriates can buy term plan in India. These term life plans provide financial protection for their family in case of the NRIs' untimely demise. Can expatriates buy term plan in India? Ans. Yes, expatriates can buy term plan in India. These term life plans provide financial protection for their family in case of the NRIs' untimely demise. What are the benefits of term insurance for expatriates? Ans. Policybazaar Term insurance offers several benefits for expatriates, including: Affordable premiums Financial security for family members Tax benefits under Indian tax laws Flexibility in policy terms and coverage amounts What are the benefits of term insurance for expatriates? Ans. Policybazaar Term insurance offers several benefits for expatriates, including: Affordable premiums Financial security for family members Tax benefits under Indian tax laws Flexibility in policy terms and coverage amounts Are there specific options for Saudi expatriates regarding term insurance? Ans. Yes, Saudi expatriates can find term insurance plans tailored to their needs, ensuring coverage for their families back in India. Are there specific options for Saudi expatriates regarding term insurance? Ans. Yes, Saudi expatriates can find term insurance plans tailored to their needs, ensuring coverage for their families back in India. Can expatriates Bahrain buy term insurance? Ans. Yes, expatriates Bahrain can also buy term plan in India, and provide financial security for their families in their home country. Can expatriates Bahrain buy term insurance? Ans. Yes, expatriates Bahrain can also buy term plan in India, and provide financial security for their families in their home country. What is the process for claiming term insurance for expatriates? Ans. The nominees of the policy must submit the required documents, such as the death certificate and policy details, to the insurance company for claims. When claiming Policybazaar term insurance, your family can simply contact your relationship manager to get dedicated claim assistance without any hassles. What is the process for claiming term insurance for expatriates? Ans. The nominees of the policy must submit the required documents, such as the death certificate and policy details, to the insurance company for claims. When claiming Policybazaar term insurance, your family can simply contact your relationship manager to get dedicated claim assistance without any hassles. Do expatriates have to pay higher premiums for term insurance? Ans. The premiums for expatriates term insurance depends on the policyholder's age, sum assured, policy term, and the benefits opted. These premiums are comparable to the premiums of international term plans. Do expatriates have to pay higher premiums for term insurance? Ans. The premiums for expatriates term insurance depends on the policyholder's age, sum assured, policy term, and the benefits opted. These premiums are comparable to the premiums of international term plans. Is a medical examination required for expatriates when applying for term insurance? Ans. Yes, a medical examination may be required based on the insurer's policies, the coverage amount, and the applicant's health status to buy Policybazaar term insurance for NRIs. Is a medical examination required for expatriates when applying for term insurance? Ans. Yes, a medical examination may be required based on the insurer's policies, the coverage amount, and the applicant's health status to buy Policybazaar term insurance for NRIs. Can NRIs secure coverage for their family members in India? Ans. Yes, expatriates can purchase term insurance to cover their family members in India, ensuring they have financial protection. Can NRIs secure coverage for their family members in India? Ans. Yes, expatriates can purchase term insurance to cover their family members in India, ensuring they have financial protection. Can foreign nationals take term insurance in India? Ans. Non-Resident Indians (NRIs), Overseas Citizens of India (OCIs), and Persons of Indian Origin (PIOs) are eligible to buy term plans from Indian insurance companies. Can foreign nationals take term insurance in India? Ans. Non-Resident Indians (NRIs), Overseas Citizens of India (OCIs), and Persons of Indian Origin (PIOs) are eligible to buy term plans from Indian insurance companies. Are you an NRI planning to buy term insurance to protect your family’s future? Ans. Yes, NRIs can easily buy term insurance plans from India to secure their family financially. These plans offer high coverage at affordable premiums and are valid even if you reside abroad. Are you an NRI planning to buy term insurance to protect your family’s future? Ans. Yes, NRIs can easily buy term insurance plans from India to secure their family financially. These plans offer high coverage at affordable premiums and are valid even if you reside abroad. What does the term insurance from India claim process look like? Ans. The claim process is simple and can be completed remotely. Nominees can raise a claim online, submit documents digitally or via courier, and receive the payout in an Indian bank account without needing to visit India. What does the term insurance from India claim process look like? Ans. The claim process is simple and can be completed remotely. Nominees can raise a claim online, submit documents digitally or via courier, and receive the payout in an Indian bank account without needing to visit India. What are the 5 top Indian insurers with a 90%+ claim settlement ratio? Ans. Some of the leading insurers in India with consistently high claim settlement ratios include Life Insurance Corporation of India, HDFC Life Insurance, ICICI Prudential Life Insurance, Max Life Insurance, and Tata AIA Life Insurance. These insurers are known for strong claim settlement performance and customer trust. What are the 5 top Indian insurers with a 90%+ claim settlement ratio? Ans. Some of the leading insurers in India with consistently high claim settlement ratios include Life Insurance Corporation of India, HDFC Life Insurance, ICICI Prudential Life Insurance, Max Life Insurance, and Tata AIA Life Insurance. These insurers are known for strong claim settlement performance and customer trust. Explore the popular searches and stay informed 1 Crore Term Insurance Best Term Insurance Plan Term Insurance for Women Term Insurance Calculator Term Insurance with Return of Premium Whole Life Insurance Term Insurance vs Life Insurance What is Term Insurance Life Insurance Calculator 5 Crore Term Insurance 2 Crore Term Insurance Term Insurance for Housewife Benefits of Term Insurance Term Insurance Terminology Medical Tests for Term Insurance Term Insurance for Self Employed Claim Settlement Ratio 10 Crore Term Insurance Term Insurance for Smokers 1.5 Crore Term Insurance Zero Cost Term Insurance Insurance Advisor Home Loan Insurance Home Loan Insurance Calculator FIRE Calculator ˜ The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in +On the basis of your profile +Rs. 410/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10 +Rs. 410/month (Rs.14/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age rounded off to nearest 10 +Rs. 245 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10 +Rs. 15/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10 +Rs. 504/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 494/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 636/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 918/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 1,286/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 453/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs.582/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 786/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 1,592/month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 525/month is the starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 68 years of age. +Rs. 668/month is starting price for a 2 crore term life insurance for an 25 year-old male, non-smoker, with no pre-existing diseases, cover upto 45 years of age. +Rs. 1,200/month is starting price for a 2 crore term life insurance for an 35 year-old male, non-smoker, with no pre-existing diseases, cover upto 55 years of age. +Rs. 410/month is starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age. +Rs. 577/month is starting price for a 1 crore term life insurance for an 18 year-old Male, self employed, non-smoker, with no pre-existing diseases, cover upto 30 years of age. *The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy. +Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10 Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881 For more details on risk factors, terms and conditions , please read the sales brochure carefully before concluding a sale Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027 , License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers. © Copyright 2008-2026 policybazaar.com . All Rights Reserved ˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us. Portable and Secure "Whether I am in the Middle East, US, or Europe, my Indian term plan stays with me." Eased my worries about the future "Getting term insurance has eased my worries about my familys future financial stability." More affordable than I expected "The plan was more affordable than I had expected, given the extensive coverage I received." Glad I found a plan that works for me "I am glad I found a term insurance plan that works perfectly for me and my familys needs." Best way to protect against debts "I got term insurance to make sure my debts will be covered in case something happens to me." Protection against future uncertainties "Term insurance provides me with protection against any future uncertainties." The perfect solution for my situation "This insurance was the perfect solution for my situation and familys needs." A must-have for peace of mind "Term insurance is a must-have for anyone looking for peace of mind for their familys future." Efficient customer service "The customer service was efficient and responsive throughout the entire process, which I appreciated." Easily customizable plan "I loved that I could easily customize my plan to meet my specific needs and budget." 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BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. © Copyright 2008-2026 policybazaar.com. All Rights Reserved.