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SMC Insurance Brokers Pvt. Ltd.
Parsvnath Metro Mall, Near Pratap Nagar Metro Station, Pratap Nagar, New Delhi-110007
Registration No: 289, Registration Code No: IRDAI/DB-272/04/289, Valid till: 27/01/2026, License category: Direct Broker (Life & General), CIN: U66000DL1995PTC172311
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Product information is authentic and solely based on the information received from the Insurer.
Health Insurance Benefits
Tax Benefits
u/s 80 (D)
Cashless
Treatment
Free Annual
Health Check up
Health Insurance in 2 Mins
Health Insurance Benefits
Tax Benefits
u/s 80 (D)
Cashless
Treatment
Free Annual
Health Check up
Health Insurance For NRIs
As per the Ministry of External Affairs, 32 Million Indians have moved abroad for work, and every year another 2.5 Million Indians migrate - making Indians largest migrants across the world. And as per a global survey, 82% of Indians abroad are willing to move to India, if a suitable opportunity arises.
Many Indians who have moved abroad for higher education or work, plan to come back to their motherland -
Once they have generated enough wealth, or
To spend their post-retirement life
A question many NRIs ask is - whether they should buy health insurance while they are working abroad, or buy it once they are back home?
Well, let’s find out!
Benefits Of Buying Health Insurance In India, While You’re Still Abroad -
Buy Cover At A Cheaper Price
The cost of health insurance in India is relatively cheaper, compared to a few countries such as the USA or the UK. The cost of medical treatments in those countries is high, resulting in high health insurance premiums.Compare the prices and benefits offered by the plans available in the country you’re currently residing in - with that of the plans available in India - before making a decision.
Waiting Period Will Be Completed Before You Come To India
When you buy a health insurance plan, you need to wait for a specified time span before you can begin availing its benefits. You cannot make a claim for specific diseases - including pre-existing diseases - till the waiting period is over. Buying a policy while you are still outside the country will ensure that associated waiting periods for diseases are completed beforehand, and one has a full cover.
For example, if your NRI family has a history of diabetes, it might be a wise decision to buy the insurance before moving to India. Certain pre-existing ailments, such as diabetes and cardiac ailments, are not covered by insurance for the first 2-4 years - depending from product to product.
Pre-Book A Good Cover While You Are Young
Ageing can bring about serious health issues. In case you want to settle down in India after retirement, you wouldn’t only be older but there are also chances you would have developed a critical illness. And so, it might get difficult for you to buy a policy because of age and health constraints.
Hence, investing in health insurance while you are still young, healthy, and earning a fortune abroad, is like pre-booking a good cover for a better future.
Avail Tax Deductions
Under section 80D of the Income Tax Act, 1961, you can get tax benefits on the premiums you pay for a health insurance policy purchased in India - up to specific limits.
Please note: These benefits can be availed only if you’re filing your tax returns in India.
How Can NRIs Apply For Health Insurance In India?
The application process for purchasing NRI insurance can vary from one insurer to another, but here's an overview -
Get in touch with your insurer via website/app/call/email.
Fulfil their criteria by submitting the requisite documents, such as - Passport number, Permanent Account Number (PAN) details, etc. You may also have to fill an NRI questionnaire, or any other documents required based on prevailing regulation.
Choose a plan that suits your needs.
Undergo medical tests and screenings required by the insurer. You may be required to get tests done in your country and send the reports to the insurer in India.
Pay the applicable premium.
Once you receive the policy, verify the details, and get them rectified, if there’s an issue.
Important Points For NRIs Planning To Buy Health Insurance In India
It is important to verify and understand the exact benefits and coverage before buying the plan.
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Health Insurance In India Comes With Geographical Limitations
It will only cover expenses of medical treatments availed in India. If you are moving out of the country for a short duration, you can maintain the policy while being abroad. But if you choose to stay out of India for a longer period, it wouldn’t make sense to keep the plan active.
For instance, Rohini is an NRI residing in the UAE. A year ago, she visited India on a vacation and bought a health insurance plan to protect herself financially. Unfortunately, she was diagnosed with acute type 1 diabetes and had to be hospitalised in Dubai for a few days. The costs were not covered by the health insurance she had bought in India because they were incurred outside the policy’s geographical limits.
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If You Are Offered A Student Or Employer Health Cover In Your Respective College/Office Abroad
Continue with these plans and buy a health insurance policy in India. This way, you can have health insurance coverage in the country you’re residing in, and also have a cover to protect yourself financially while visiting India.
The world has become a global village, a well-knit melting pot of languages, cultures, and dreams. No matter where you are, you can stay protected financially, and connected to your roots. So after you have built a career outside and spent a long time away from home, India will await you with open arms and great health insurance schemes!
Partners - We Are Proud To Have
We have over 30+ insurance partners on our back. Rest assured, you won't be short of choices.
Why Customers Love Us?
- We provide quick claim assistance.
- We are easily approachable through phone, email, and text.
- We are transparent operations with no hidden cost.
- We pursue your claims till the very end.
- We understand your needs, and advise most suitable insurance products.
Our Customers' Stories
Sharing the experience of happy and satisfied customers with you.
Sameer Yadav
I was searching for investment plan but I couldn't find it, then I got the call from SMC insurance and they aligned a call with Ishita Sharma as point of contact (POC) for all my queries and she explain me very well. Ishita explain me all investment plan with advantage and disadvantage, I really appreciate her. Ishita always enthusiast towords work and ready to answer all my questions .I have taken two policies ( HDFC click to invest) plan with 15k premium per month. I always recommend SMC insurance to all, for better life and happy retirement with huge health and wealth. Thank You SMC insurance for your best service. Special thanks to Ishita for E2E help and endless support, you did fabulous work. Show More
Dheeraj Bhatia
I am associated with SMC insurance since 2011 and found them to be most ethical, trustworthy and highly responsive. Some of my precious policies done thru other agencies are still running on SMC’s advice. That is a strong testimony to their customer-centric approach. I am glad to be associated with SMC and strongly recommend their services to all concerned. Wishing the very best to Team SMC !Show More
Jyoti Sharma
We were fortunate enough to have selected SMC as our Health Insurance Broker for they have been very helpful in resolving our queries related to health insurance. I would like to cite two examples where SMC's role has been very crucial. One was when payment for cashless hospitalization was not coming through as the insurance company was taking undue longer time to approve the Hospital Bill. It was then I talked to Neha and it was she who through her contacts in the Insurance co. facilitated and expedited the approval for payment of hospital bill. Second was very recently when the Insurance co. had proposed a top up "Enhancer" policy for our existing policy. When I talked to Neha she immediately told me not to take this policy being offered without any medical test as it will not be beneficial to us and may create problem later on account of recent hospitalization. If I had I not consulted Neha, I would have into a big trouble with the insurance co. These two instances speak very high of sincere advice and timely help rendered by the SMC Staff, Ms. Neha Khanna which helped us a lot in time of need.Show More
Sumit Khanna
Hi, I am Sumit here, purchasing insurance policies from SMC for almost 8 years. Would like to recommend this company to other customers because they are taking care of my insurance broking services in a fabulous way. I would like to extend my gratitude and thanks to policy servicing and also insurance claim backend services. They have rendered fantabulous services for me and would like you guys to definitely go and rely on them for all your insurance needs.Show More
Kishor Kumar Bijlani
My experience with SMC Brokers is excellent. They provide support from the beginning till end i.e from issuance of insurance policies till settlement of claims. They explain very nicely various provisions relating to Insurance Policy also facilitate settlement of claims with Insurance Companies. Show More
Megha Singhal
I have purchased HDFC policy from SMC Insurance with the help of Harsh Sharma. I have got the satisfactory services from SMC Insurance. Thank you SMC Insurance.Show More
