Answer Book question
Yes. You can be the proposer and payer on an Indian health policy covering your parents in Kerala. The parents undergo any required medical in India; you pay from NRE/NRO or an Indian card; the policy and claims operate in India. Tax deduction for the premium may apply if you file in India.
Yes. You can be the proposer and payer on an Indian health policy covering your parents in Kerala. The parents undergo any required medical in India; you pay from NRE/NRO or an Indian card; the policy and claims operate in India. Tax deduction for the premium may apply if you file in India.
A son in Qatar buys a ₹10 lakh parents' policy plus a ₹20 lakh super top-up. Two years later his father's surgery is cashless at a Thiruvananthapuram hospital; the son is informed by WhatsApp and pays the deductions by transfer.
Proposer and insured can differ. The parents are the insured; you are the payer. The insurer needs their KYC and medicals and your payment.
Insurer accepts NRI proposer Parents' medicals Network hospitals near them Super top-up for ceiling Who handles claims locally
Buying only the base policy and not the super top-up.
This is the most common NRI insurance purchase. See the health chapter for structure.
Base ₹10 lakh + super top-up ₹20 lakh for two parents in their sixties: a modest annual outlay from abroad.
If parents have extensive pre-existing conditions, see the "parents are 70" page for the reserve alternative.
Get quotes from insurers that accept NRI proposers Arrange medicals in Kerala Add super top-up
Is ₹5 lakh health insurance enough for my parents? Should I insure parents separately? How do I manage my parents' finances from overseas?
NRIs & returning Malayalis · Senior-citizen services
RBI FEMA regulations on NRE/NRO/RFC accounts · Income Tax Act residency provisions · SEBI/AMFI rules on NRI investment · NORKA Roots schemes · Kerala Rising is not a tax adviser; residency and tax questions need a CA Rates, limits and whether you may qualify change. Confirm with the official source. Ask Kerala Rising: Tell us your return date, which accounts you hold, and whether you still earn abroad. We will give you the housekeeping list and flag what needs a CA. WhatsApp +1 443 595 9000 · keralarising.com Kerala Rising › NRI · NRI 12
This page is general orientation, not personal insurance, investment, medical, legal, lending, tax, or professional advice. Rules, rates, benefits, and claim or application decisions can change. Confirm the current position with the named official source and use a licensed or qualified professional where your situation requires one. Kerala Rising does not decide whether you may qualify, approve claims, or promise an outcome.