Hello, can an NRI currently residing outside of INDIA AND SOON BE MOVING TO INDIA ON A PERMANENT BASIS BUY ABHICL SUPER TOP UP PLUS 95 L SI, 5L DEDUCTIBLE?

UPON READING PROSPECTUS for SUPER TOP UP POLICY ELIGIBILITY SECTION STATES NRIs working in INDIA CANNOT.

I need not look for a job in INDIA. I wish to build up my insurance kitty and seek to cover for myself SO THAT WHEN I LAND IN INDIA, I'M
SECURELY COVERED.

EMAILS SENT TO customer care AT ABHICL yielded no result.

THEY KEEP ASKING FOR POLICY NUMBER ON A REPITIVE BASIS. THEY SIMPLY LACK COMPREHENSION TO UNDERSTAND MY VERY BASIC QUESTION.

Thanks in advance for any help you may provide.

Ans: It is proposed to tax income from insurance policies issued after 1.4.2023 (other than ULIP for which provisions already exists) having premium or aggregate of premium above Rs.5,00,000 in a year. In case policy is already taken, proposed amendment will not be applicable.

Ans: Yes, you can definitely avail of health insurance from India as an NRI living in Dubai.

Many Indian insurance companies offer health insurance plans specifically designed for NRIs. These plans provide coverage specifically for medical expenses incurred during your visits to India. Here's what you need to know:

Benefits:

• Coverage for medical emergencies: These plans typically cover hospitalisation expenses, including room and board charges, surgeon fees, doctor consultations, and specific medical procedures.
• Flexibility: You can choose plans with varying sum insured amounts (coverage limit) to suit your needs.
• Renewal options: These plans are usually renewable, allowing you to continue coverage over your future visits to India.

Things to Consider:

• Coverage scope: These plans are generally valid only within India.
• Pre-existing conditions: Some plans may have exclusions for pre-existing conditions, so be sure to disclose your medical history accurately during the application process.
• Renewal requirements: Some insurers might require you to be physically present in India for renewal.

How to Buy:

• Online platforms: Many insurance companies offer online application options, allowing you to compare plans, choose the best fit, and purchase the plan directly.
• Insurance agents: You can also get in touch with a trusted insurance agent in India who can guide you through the process, compare options and help you choose the right plan.

Given your situation:

Considering your 30-day visits and your age (48), a short-term health insurance plan (also called travel medical insurance) might be a good option. These plans typically offer coverage for shorter durations and are generally more affordable than regular comprehensive health insurance.

Research and compare different plans offered by different companies to find one that fits your budget and provides the coverage you need.

Ans: Hello;

It is certainly a good proposition.

Just check on the deductible, sub-limits on some diseases if any, cap on room rent, if any. Any exclusions.

Best wishes;

Ans: Hello;

What is the sum assured you are looking at?

Is 5 year premium paying term?

Kindly clarify so as to advise you suitably.

Thanks;