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Indian Insurance for NRIs in Germany & Europe

Many young Indian professionals now work in Germany and other European countries. Indian term cover and health cover for parents are the most common needs.

What NRIs in Germany & Europe ask us

  • Do Indian insurers accept residents of Germany?
  • Can I complete the process online?
  • Should I buy in India or in Europe?
  • Can I cover my parents in India?

What we check

  • Insurers that accept residents of Germany and Europe
  • Medical options for you
  • Premium payment route
  • Tax and TDS on payouts

Keep in mind

  • Some insurers accept residents of Germany and other EU countries, and acceptance varies by plan.
  • Documents and medicals need planning if you are not visiting India soon.
  • Check with a local tax advisor how an Indian policy is treated in your country.

Plans NRIs usually consider

What our NRI clients say

★★★★★

I am an NRI based in Dubai and had connected with Anil Rajpurohit for term insurance planning in India. The entire process was handled digitally through calls and online meetings. He explained the structure clearly

Overall, a professional and well-managed experience.

N
Nainish GandhiNRI, Dubai

Frequently asked questions

Can I buy Indian insurance while living in Germany & Europe?

In many cases, yes. Acceptance depends on the insurer, the plan, your income proof and medical underwriting. We check which insurers accept residents of Germany and Europe for your need.

Do I need to visit India for medical tests?

Not always. Depending on the insurer, medicals can be done by tele or video call, at a centre abroad, or during your next India visit.

How do I pay the premium?

Premiums are usually paid in INR from an NRE or NRO account, as permitted under FEMA.

Tax rules in your country of residence can also apply. Please check with a tax advisor in Germany and Europe.

Plan Your Indian Insurance From Germany & Europe

Calls, video meetings and WhatsApp. No need to wait for an India visit.

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