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Indian Insurance for NRIs in UAE

Indians in the UAE are among the largest group of NRIs buying Indian term, health and savings plans. Most of the process can be done digitally, with tele or video medicals where the insurer allows.

What NRIs in UAE ask us

  • Can I buy Indian term insurance while living in Dubai?
  • Will I need to travel to India for medical tests?
  • Can I pay premiums from my NRE account?
  • Is it better to buy now or on my next India visit?

What we check

  • Insurers that accept residents of United Arab Emirates
  • Medical options for you
  • Premium payment route
  • Tax and TDS on payouts

Keep in mind

  • Many Indian insurers accept UAE residents, subject to income proof and medical underwriting.
  • The UAE does not levy personal income tax on salary, so most tax questions are on the Indian side, such as TDS on taxable payouts.
  • Premiums are usually paid in INR from an NRE or NRO account.

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 UAE?

In many cases, yes. Acceptance depends on the insurer, the plan, your income proof and medical underwriting. We check which insurers accept residents of United Arab Emirates 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 United Arab Emirates.

Plan Your Indian Insurance From UAE

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

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