Archive · 2 Aug 2025
Health Insurance Guide for NRIs and Their Families
Rajat, living in the US, wants health insurance for his family in India.
The article suggests separate health plans for his parents (who are older and may have health issues) and a family plan for himself and his spouse.
This way, the insurance plan matches the needs of each member.
They should also look for plans that covers critical illnesses.
NRIs can save money by claiming a tax refund on insurance purchased in India through their NRE account.
Rajat Sen, an NRI, seeks advice on health insurance for his family in India.
Separate senior citizen policies are recommended for parents due to potential pre-existing conditions and higher medical needs.
A family floater plan is advised for the spouse and the NRI himself.
Plans with global coverage for critical illnesses are beneficial.
NRIs can claim a GST refund when paying for the policy through an NRE account.
- Who
- Rajat Sen (NRI) and his family, and the author of the article (Joint Group CEO, PB Fintech).
- What
- Health insurance advice for an NRI and his family.
- When
- Published on August 2, 2025
- Where
- India and the US
- Why
- To provide Rajat Sen with informed decisions on health insurance for his family.
- Individual
- Rajat Sen
- Topic
- NRI health insurance
- Recommended Plan for Parents
- Separate senior citizen health insurance policies.
- Recommended Plan for Spouse and NRI
- Family floater plan
- Sum insured for family floater plan
- ₹1 crore
- Tax Benefit
- NRIs can claim GST refund (18%) via NRE account