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Life insurance for NRI provides financial security to Non-Resident Indians and their families in India. It helps cover essential ... Read more expenses like education, loans, and emergencies. Life insurance for NRI helps ensure continued support for dependents during uncertain times and future needs. Read less
In this policy, the investment risk in investment portfolio is borne by the policyholder
Rated by 31,372 customers
Get ₹3 Cr. Life cover at ₹1,159/month 1
Up to 18.5% discount 2 (1 st year premium)
Return of premium 3 option
4 hour claim settlement 4
T&C apply. The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
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Life insurance policy for NRI is a financial product that provides financial protection to Indians living abroad. This type of plan provides a death benefit to family members in case of the policyholder’s death. The premium can be paid in Indian rupees or foreign currency, depending on the payment source. The best life insurance policy for NRI in India accepts premium through NRE (Non-Resident External), NRO (Non-Resident Ordinary), or FCNR (Foreign Currency Non-Resident) accounts.
Medical tests, income documents, and video-based verifications are usually required. It also helps in tax savings 6 under Indian law and allows secure claim settlement through nominee accounts. Payment modes are flexible, and the documentation can be completed digitally.
Yes. Under the provisions of the Foreign Exchange Management Act (FEMA), 1999, and the applicable IRDAI regulations, Non-Resident Indians (NRIs) are eligible to purchase life insurance policies in India. NRI insurance in India allows individuals living overseas to secure financial protection for themselves and their families without needing to travel to India.
Many insurers now offer an end-to-end digital process, enabling NRIs to complete KYC verification, submit documents, undergo virtual or insurer-prescribed medical examinations (where applicable), and make premium payments online. This has made NRI life insurance India policies more accessible and convenient for eligible applicants across different countries.
There are various types of Life Insurance plans that are being offered. Select appropriate category to view plans.
Protect the financial future of your loved ones against uncertainties of life with our Term Insurance plans that offer you larger cover, higher security, and a speedy settlement.
Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V13) 1 20-year old female (Standard life, Non-Smoker), Regular pay, Policy term 20 years. T&C Apply
Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V16) 20 20-year-old female (Standard Life, Non-Smoker), regular pay, 20-year policy term
Grow your wealth with our guaranteed return plans for a fikar-free future and also save on tax. No GST on premium payments through SWIFT/NRE/Forex accounts.
Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N158V14) | 21 T&C apply 27 Premium excluding taxes for age group of 18 to 50, Male/Female, Standard life, Plan Option 1 (Regular Income), Premium Payment Term 10 years, Policy term 15 years, Income term 30 years. Income will start from 16th year. Total Guaranteed Benefit: ₹46,06,600
Individual, non-linked, participating, Life Insurance Savings Plan (UIN: 110N207V03)
Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN110N163V13) 9 Life cover: ₹10 Lakh | Male age 35 Years | Non-Smoker | Policy Term: 37 Years | Premium Payment Terms: 12 Years | Return of premium at the end of Policy term ₹13.2 Lakh
Discover Complete Health and Wealth: Our comprehensive plan takes care of your health, wellness, and financial security all in one.
A non-linked, Non-Participating Individual Health rider (UIN:110B046V02)
Plan your retirement wisely with a suitable pension plan for peace of mind in your golden years.
Non-Participating, Unit Linked, Individual Life Insurance Pension Plan (UIN: 110L182V09)
A Non-Linked, Non-Participating, Annuity Plan (UIN:110N161V13) | 13 T&C apply
Premium payments and claim settlements can generally be made through eligible banking channels such as NRE or NRO accounts, subject to the insurer's terms and applicable regulations. This helps simplify premium payments and claim proceeds for NRIs residing outside India.
There are several NRI life insurance plans available in India, and each one serves a slightly different purpose. Some focus purely on protection, while others combine savings or retirement planning. In practice, the right choice depends on what you need today and what you expect in the long term.
All eligible NRIs, OCIs/PIOs, and Foreign Nationals can purchase NRI life insurance plan in India. We offer the following features for the long term.
We provide the required life insurance coverage based on the chosen policy term and the affordable premium cost. This covers them worldwide.
The NRIs can avail of life insurance for a term suitable to their needs.
The policyholders can also avail themselves of the flexible features provided in India's NRI life insurance policies. For example, they can choose to pay the premium for a limited term while enjoying the benefits through the entire policy term, opting to include the add-on rider 16 benefits, etc.
Premium payments by NRIs/OCIs/PIOs/Foreign Nationals can be made from their NRO/NRE/FCNR accounts in Indian Rupees. Alternatively, they can pay the same amount in foreign currency from their foreign bank account. The banker can be instructed on electronic money remittance through SWIFT into our bank account.
To purchase NRI insurance policies, online medical check-ups and consultation facilities are made available to the policyholders. Therefore, purchasing life insurance plans becomes a simple and convenient option.
Purchasing life insurance plans in India is considered beneficial for the NRIs based on the following:
The table below clearly outlines who can buy life insurance for NRI in India.
All categories need valid documents like a passport, NRE/NRO proof, and address. This helps ensure compliance and eligibility under Insurance Regulatory and Development Authority (IRDAI) rules.
Before purchasing NRI insurance in India, it is important to evaluate a few key aspects of the policy.
These points may help you choose the best life insurance policy in India for NRI based on your individual needs and family protection goals.
The table below explains the common eligibility rules:
Individual Death Claim Settlement Ratio 19 in FY 2025-26
Families protected so far 17
Highest retail sum assured of ₹9,00,000 cr. + 18
Presence across major cities in India
Flexibility to choose a premium payment mode as per convenience
Fortune Guarantee Plus is a very good plan, which helps with retirement needs and tax savings.
I know my family will get immediate help when they need it most. The instant payout process was explained well.
Value Income Plan 12 Nov 2022
I was worried about the cost, but Value Income Plan offered me great coverage at an affordable rate. Aniket Chavan helped me find a plan that fits my budget.
Sampoorna Raksha 17 Dec 2024
My experience was excellent. The seamless purchase process, easy plan comparison, and responsive customer support made decision-making effortless
Pro-Fit 27 June 2024
I was worried about the cost, but Pro-Fit offered me great coverage at an affordable rate. Kranti Dhawale helped me find a plan that fits my budget.
Smart Health 28 June 2024
The Smart Health plan provided both protection and a health fund for my future medical emergencies. Riders like CritiCare, SurgiCash, and HospiCash are additional benefits.
Maha Raksha Supreme 12 June 2020
I wanted a policy I could trust & Maha Raksha Supreme fit the bill perfectly. Mr Kamat helped me understand how it would protect my family for years
Savings Plan 12 Dec 2024
Tax benefits and finding an affordable plan were key to my decision.
Param Raksha 19 Nov 2022
Best product, an all-in-one plan. I was looking for a long-term solution, and this plan explained how my family would be protected for years to come.
Sampoorna Raksha 12 Dec 2024
Offers flexibility with payments. I was able to defer my premium without losing coverage.
Multiple Policies 2 May 2025
Becoming a father, Dinesh Ahuja knew protection meant securing tomorrow. With Tata AIA, he found a partner to plan for every milestone.
Mr. Amin shows how smart planning and savings led him to invest in 9 Tata AIA policies—each one a step toward lifelong security.
Maha Raksha Supreme Select 15 May 2025
For Mrs. Sunita Mandal, life insurance was a step toward long-term security. Her story shows how tomorrow’s peace begins with a trusted choice today.
Smart Income Plus 6 May 2025
Maushmi Dutt’s journey with Tata AIA is about empowerment—turning dreams into reality with smart planning, protection, and a partner she trusts for life.
Invest Assure Gold 12 Dec 2024
I was looking for a long-term solution, especially something to build a retirement corpus.
I liked the long term bonus and cover option. Happy with the bonus year on year.
Param Raksha 2.0 12 Dec 2024
I was looking for a long-term solution, and Param Raksha 2.0 provided exactly that. Vrushali Sali explained how my family would be protected for years to come.
Fortune Guarantee Plus 21 Mar 2024
I was looking for a long-term solution, Fortune Guarantee plus provided exactly what I needed.
Provides financial protection to my dependent family members.
Amit Pravin Taralkar
Fortune Guarantee Pension 12 Dec 2024
Long Term Guaranteed Returns
Protect the financial future of your loved ones against uncertainties of life with our Term Insurance plans that offers you larger cover, higher security, and speedy settlement.
The claim process for term insurance is as follows:
NRI insurance offers living benefits to policyholders and death benefits to the respective family members in the event of the policyholder's death, irrespective of their location. Here are a few guidelines that every NRI should know.
In rupee life insurance policies, if the claim needs to be settled in favour of the claimants residing outside India, the payout in foreign currency should be proportionate to the amount of premium that has been paid in foreign currency out of the total premiums payable.
Nominees/beneficiaries residing outside India are permitted to credit insurance claims/maturity/surrender value settled in foreign currency to their NRE/FCNR account if they so desire.
A resident beneficiary can open a Resident Foreign Currency (RFC) Account and credit claims/maturity benefits/surrender value settled in foreign currency to the account.
Resident beneficiaries previously residing outside India can open an RFC Account on becoming a resident and credit the proceeds of claims/maturity proceeds/surrender value settled in foreign currency.
If a rupee life insurance policy is issued to an Indian resident outside India and the premiums have been collected in non-repatriable rupees, the claims/maturity benefits surrender value will be credited to the beneficiary’s NRO account in rupees. The same applies if a death claim is settled in favour of the assignees/nominees of a resident outside India.
For rupee policies issued to foreign nationals who do not live permanently in India, claims, maturity proceeds, or surrender values can be paid in rupees or sent abroad if the claimant requests it.
The following points may help you choose the right life insurance for NRIs
NRI Insurance India offers a combination of cost efficiency, flexibility, and practical benefits for NRIs. Many times, they also help simplify financial planning for family members who stay in India.
The tax benefits 6 for NRI life insurance are as follows:
For further guidance, you can visit the Tata AIA Claim Settlement Ratio page.
The steps to buy NRI life insurance in India are as follows:
Our experts are happy to help you!
Mon - Sun, 9:30 am - 9 pm IST (Call charges apply)
Mon - Sun, 9 am – 9 pm IST
(for existing customers)
For application & policy-related queries
Mon - Sat | 10 am - 7 pm IST (Call charges apply)
NRIs can purchase life insurance policies from anywhere. Here are the details:
While In India Life insurance policy can be purchased in India easily through quick, digital process.
When outside India NRI can purchase the life insurance policy from their current place of residence subject to our Board approved underwriting policy.
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Yes. NRIs, OCIs, and PIOs can purchase life insurance policies from abroad via digital application, video‑KYC, and medical tests worldwide.
You will need valid passport, NRE/NRO/FCNR account details, proof of foreign residence, PAN or TRC, and income documents or salary proof.
Premiums can be paid via Non‑Resident External (NRE), Non‑Resident Ordinary (NRO) accounts, as well as through NEFT or SWIFT international bank transfers.
Yes. Many insurers allow premium payments in foreign currencies if the premium is sourced from NRE, FCNR, or appropriate bank accounts.
Not always. But having an NRE/NRO/FCNR account simplifies premium payments and helps ensure smooth claim and maturity settlements.
Yes, a Permanent Account Number (PAN) or Tax Residency Certificate (TRC) is required for tax reporting and regulatory compliance.
Yes. Many providers support digital submission and electronic transfer of claim proceeds, subject to documentation and verification processes.
You can inform the insurer by phone, email, or through their website. Policy details, claim form, and required certificates should be shared for timely processing.
The insurance claim is settled after reviewing submitted documents (claim form, policy papers, medical and bank details). The insurer verifies all the details and transfers funds to the nominee’s account.
Communication is possible via:
· Customer portal or mobile app
· Branch office visitation (if in India)
You can download the e‑policy from the insurer’s website or request a physical copy delivered to your Indian or foreign address.
Yes. Premium rates may vary based on country of residence due to different mortality rates and risk assessments.
Yes, NRIs can purchase policies under the Married Women's Property Act (MWPA) for the well-being of their spouse and children.
Yes. Within the free‑look period (usually 15–30 days from receipt), an NRI may return the policy for a refund as per policy terms.
Death benefits are generally tax-free 6 , but maturity proceeds may be taxable 2 if premium exceeds specified limits under Section 10(10D).
Yes. Annuity income is taxable as per slab rates in India. The lump sum pension amount received in advance may be partially exempt under Section 10 of the Income Tax Act.
Amounts received by the nominee (including guaranteed additions) are generally tax‑free 2 under Section 123 read with Schedule XV of the Income-tax Act, 2025, subject to policy conditions.
TDS will not be deducted if the NRI resides in a country where DTAA is applicable provided the following documents are submitted at least once a year (During the pay-out period):
· FATCA/CRS (self-declaration form)
· Form 10F (self-declaration form)
· No Permanent Establishment (PE) declaration (self-declaration form)
· Tax residency certificate (TRC) issued by Govt. of the respective country
A list of major countries where DTAA benefits are available and payment can be made without deduction of TDS subject to submission of mandatory documents is as below. No DTAA benefit is available for countries other than those mentioned in the table below, and payment will be subject to deduction of TDS irrespective of submission of mandatory documents.
In countries where DTAA benefit is not available or policyholders do not submit the mandatory document, TDS will be deducted at the following rates:
Including applicable surcharge and cess. This is as prevailing Tax rates.
In case a valid PAN is provided, the policyholder can claim credit for TDS deducted by filing a Non-Resident Indian income tax return.
Above DTAA benefits would be applicable for annuity payout, however in case of ULIP and non ULIP plans, payout would be taxable. Such NRI are required to file tax return in India, in accordance with provisions of income tax law. NRI will be eligible to get a tax credit of tax so paid.
TDS applies only on the surrender value exceeding total premiums paid. No TDS is deducted if the surrender value is equal to or less than the total premium paid.
Yes. FATCA/CRS declarations, Tax Residency Certificate (TRC), local tax identification number (TIN), and foreign address proof may be required.
If an NRI customer relocates to India while the policy is still active, you just need to submit the following documents.
· Indian address proof
· Declaration as per format - Residential Undertaking-Section 195
· Indian Bank account details for NEFT
If a resident Indian relocates abroad and becomes an NRI, the following documents need to be submitted to the insurer:
· FATCA-CRS form 10F form (Form 10F can be downloaded from https://www.incometaxindia.gov.in/Pages/downloads/forms.aspx )
· Foreign Address proof
· Bank account details for NEFT
The life insurance policy will carry on in Indian currency after you move abroad. The maturity and death benefits will be payable if the premiums are paid regularly
The policy continues, but the insurer should be notified of the address change for proper servicing and compliance.
The Foreign Account Tax Compliance Act (FATCA) and Common Reporting Standard (CRS) are tax information exchange frameworks to prevent cross‑border tax evasion.
The FATCA & CRS apply to customers with foreign tax residence or financial accounts abroad, including NRIs, based on global reporting regulations.
Yes. If any personal details change (tax residence or account jurisdiction), you may need to submit updated FATCA/CRS declarations.
The Tax Identification Number (TIN) may be required if your country of residence mandates it for tax reporting or financial transactions.
Yes. Non‑Resident Indians (NRIs), OCIs, and PIOs can buy life insurance policies in India subject to IRDAI rules and eligibility criteria.