Living abroad brings opportunity. But who protects your loved ones back in India if something unexpected happens?
₹1 Crore protection from just ₹18/day
Less than a cup of coffee. Your family's future, secured.
15-minute call • No obligation • 100% confidential
You've worked hard to build a life abroad. EMIs, children's education, aging parents, your spouse's security — all depend on your income. Term insurance is the simplest way to ensure your family never faces a financial crisis.
Average NRI home loan: ₹50 Lakhs–₹1.5 Crore. Without you, who pays the EMI? Your family could lose the home you built for them.
Engineering or medical education costs ₹20–50 Lakhs. Abroad? ₹1–2 Crore. Your child's dreams shouldn't stop because of the unthinkable.
Your parents rely on you. Medical emergencies, daily expenses, their dignity in old age — all secured with the right coverage.
You spend more on coffee each morning than it costs to protect your family for a lifetime.
Don't think you can afford it? Look again. Term insurance is the most affordable form of life insurance. Here's what your budget can get:
Indicative budgeting anchors — not quotes. Final premiums are set by Bajaj Life Insurance underwriting based on your age, health, occupation, country of residence, sum assured, and riders. Indian tax benefits referenced apply only to those with Indian taxable income, subject to prevailing law. Book a call for a personalized quote.
Adjust your coverage and see how affordable protection really is. Then book a call for your exact personalized quote.
Approximate anchor only — not a quote. Final premium set by Bajaj Life Insurance underwriting. NRI buyers: country of residence, occupation, and medical history can affect eligibility and rates.
Comprehensive solutions designed for NRI needs. Every policy comes with Ravi's personal guidance and end-to-end support.
Pure protection at the lowest cost. ₹1 Crore cover from ₹18/day. The foundation of every NRI's financial plan.
Cover your parents and family in India. Cashless hospitalization at 10,000+ hospitals. No claim bonus up to 100%.
Grow wealth while staying protected. ULIPs and endowment plans that build a corpus for your goals with insurance cover.
Save up to ₹46,800/year in taxes under Section 80C. Tax-free maturity under 10(10D). Smart NRI tax planning.
We review your coverage needs, NRI status, dependents, liabilities, and financial goals — on a free 15-min call.
Ravi designs a tailored plan using Bajaj Life Insurance products — term, health, savings — optimized for your budget and goals.
Policy issuance, renewals, claims assistance, and 24/7 NRI support — all handled personally. Your timezone, your convenience.
For most NRI families, the parents back in India are not only emotionally dependent — they're financially dependent. Medical emergencies, hospitalization costs, daily expenses, the dignity of old age. All of it is sustained, today, by your monthly transfers.
Term cover for yourself protects their long-term financial continuity. Health cover for them protects against the most common NRI panic call: "Mom is in the hospital and I can't fly back this week."
Talk to Ravi about parent cover₹50 Lakh–₹2 Crore pure term from Bajaj Life Insurance, with parents named as primary or contingent nominees. If something happens to you, the lump sum sustains them for life. Pure term — no U.S. tax complications.
Bajaj Health Guard family floater for senior parents. Cashless treatment at thousands of network hospitals across India. Pre/post hospitalization, daycare, ambulance covered. Parents up to 65 at entry, renewable up to 80+. We coordinate every claim remotely so you don't fly back for paperwork.
For a 30‑year‑old non‑smoker with ₹1 Cr term + ₹5L parent health floater. Indicative only — final premiums set by Bajaj Life Insurance underwriting based on age, health, and rider choices.
Composite scenarios drawn from common NRI consultations. Names, locations, and minor details are anonymized or fictionalized to protect client privacy — the situations and approaches are representative.
H-1B holder, married, no kids yet. Father retired with diabetes; mother in good health. Client wanted ₹1.5 Cr term cover for himself plus a senior‑parent health policy — concerned about what would happen if he became unable to support them or if either parent needed urgent hospitalization.
Pure term plan from Bajaj Life Insurance with mother as primary nominee, wife as contingent. Separate Bajaj Health Guard family floater for the parents (₹5L cover, network hospital in Hyderabad pre‑identified). Premium auto‑debited from existing NRO account. We compiled a one‑page "what to do" sheet for the parents with hospital network access, our contact, and the policy reference.
Total annual outlay for term + parent health: roughly ₹38,000. We've coordinated two cashless hospital admissions for the father since — both handled remotely without him flying back to India.
Just received green card. Already had a U.S. employer term policy but worried about coverage adequacy and whether her existing Indian policy from years earlier was still valid. Husband is also on green card; both kids are U.S. citizens. Asked us about ULIPs since a relative had recommended one.
First: we recommended she not buy the ULIP — foreign cash‑value contracts can trigger Form 8938 / FBAR complications for U.S. residents and weren't worth the tax friction. Instead we increased her pure term cover by an additional ₹2 Cr from Bajaj Life Insurance, named her husband as primary nominee. Notified her existing Indian insurer of her green card status in writing to keep that policy clean. Walked her through the apostille document set her family would need if anything happened.
Cleaner total coverage, tax simplicity intact, both Indian policies properly registered to her current residency status. She thanked us specifically for talking her out of the ULIP — "no other agent did that."
The above are composite scenarios illustrating typical NRI client situations and our approach. They combine elements from multiple consultations and do not represent any single individual. Outcomes shown are illustrative; actual policy terms, premiums, and claim experiences depend on individual underwriting and circumstances.
IRDAI‑qualified insurance advisor and authorized agent of Bajaj Life Insurance Limited, focused exclusively on NRI families. Based in India and available across U.S., UK, Middle East, and APAC time zones for consultations, paperwork, and claim coordination.
Why a personal advisor matters for cross‑border insurance: the single biggest pain point NRI families face is not buying the policy — it's the documentation, nominee setup, and claim coordination years later when something goes wrong. We focus on getting that architecture right at issuance, then staying available throughout the policy life.
If you are a U.S. taxpayer (citizen, green card, or substantial U.S. presence), pure term insurance is the cleaner choice. Indian savings, endowment, and ULIP products are foreign cash‑value contracts and may trigger U.S. reporting under Form 8938 and FBAR — complexity that often outweighs the perceived returns. We're upfront about this even though it shrinks our potential commission, because trust matters more than one extra sale. Always consult a qualified U.S. tax professional before buying any Indian insurance product with cash value.
Schedule a 15-minute call with Ravi. Get a personalized insurance strategy tailored for your NRI status, budget, and family needs.
You'll receive a confirmation email with a Google Meet link instantly. Reply anytime to ravi@nripolicydesk.com.
Have a question? Send a message or reach out directly. Typical response time: under 12 hours.
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The questions NRIs actually ask — including the uncomfortable ones about U.S. tax, residency changes, and what happens to your family if something goes wrong abroad.
A common myth: "my Indian policy becomes invalid once I get a green card or U.S. citizenship." False. The policy continues. What changes is your obligation to keep the insurer informed. Here's the map.
Student / Early career
Buying now locks in your lowest‑ever premium. Use your Indian address; pay from NRO. No special update needed yet.
Working in U.S.
Update your U.S. address on file with the insurer. Switch premium auto‑debit to NRE/NRO. Confirm nominee bank details. Policy stays in full force.
U.S. Permanent Resident
Notify insurer in writing of status change. Refresh KYC. U.S. tax becomes a real consideration — pure term is fine; cash‑value products may need review.
Naturalization complete
Get OCI for travel and account access ease. Update insurer with new citizenship details. Policy remains valid — the formality protects future claim ease.
The most common NRI insurance mistake isn't buying the wrong policy — it's buying the right policy and forgetting to keep the residency record current. We help you set up reminders at each transition so the policy is always in clean working order when your family eventually needs it.
The exact documents you need to apply for an Indian policy as a U.S.‑based NRI — plus the claim‑readiness checklist your family will need if something happens to you abroad. Includes the apostille process explained step by step.
No email required. 4 pages, instant download.
Every day without protection is a risk your family doesn't deserve. Start with just ₹18/day and give them the security they need.