As an NRI, ensuring you or your loved ones can smoothly claim insurance benefits in India is essential—especially during emergencies. Whether it’s a health policy or a term insurance plan, understanding the claim settlement process can help avoid delays and rejections.

Types of Claims NRIs Typically Deal With

• Health Insurance: For treatment taken in India.
• Life Insurance (Term Plans): Death benefit paid to nominees, even if the policyholder or nominee is abroad.
• Travel/Overseas Plans: Usually settled from the foreign insurer, not Indian companies.

Claim Settlement: A Step-by-Step Guide

Here’s how NRIs can typically raise and settle a claim:

🧾 1. Document Collection

• Policy copy
• Valid ID/passport
• Proof of treatment (invoices, discharge summary)
• Death certificate (for life insurance)
• NRI status proof (visa, passport stamp)

🖥️ 2. Online Submission

• Most insurers now offer online claim portals.
• NRIs can upload documents or email them directly to the claims department.

📩 3. Communication with Insurer

• The insurer may seek additional clarification or telephonic confirmation.
• Some companies have NRI customer support desks.

✅ 4. Claim Approval & Payout

• If approved, the amount is transferred to the NRE/NRO bank account of the claimant/nominee.
• For life insurance, Form 10-10D and a cancelled cheque may be required.

Important Things to Keep in Mind

• KYC for Nominees is crucial; ensure your nominee’s documents are updated.
• FEMA Guidelines apply: Repatriation of claim amounts may need RBI compliance.
• TDS (Tax Deducted at Source) may be applicable depending on policy type and payout amount.

Avoiding Rejections

• Disclose pre-existing conditions truthfully.
• Keep contact information updated with the insurer.
• Pay premiums regularly and on time.

Final Thought

Claim settlement isn’t complicated—but for NRIs, the key is preparation. With proper documentation, digital processes, and an understanding of regulations, you can ensure your insurance plan serves you when you need it most.

✅ NRI Nivesh Tip:

When buying insurance, check if the insurer has dedicated NRI support, online claim options, and a good claim settlement ratio.

💬 Need Clarity on How to Claim from Abroad?

At NRI Nivesh, we help NRIs better understand the claim process through our financial literacy sessions and ‘BAATCHEET’ one-on-ones at our expos.

We empower you with the right questions to ask and the right knowledge to act confidently.

Join a Free BAATCHEET Session →
No pitches. Just guidance that puts you in control.