Term Insurance for NRI | UAE, GCC, USA, UK, Canada

Short answer

Insurers group countries as accepted, accepted with limits, or not accepted.
GCC countries (UAE, Saudi Arabia, Qatar, Oman, Kuwait, Bahrain), the USA, UK, Canada, Singapore and Australia are on the accepted list of many insurers.
Several insurers allow a video medical from abroad, so you may not need to travel to India.

What insurers usually look at

Income and education: a common minimum is graduation with an income of about 10 lakh rupees a year. Some insurers ask for 15 to 20 lakh.
Income proof: for NRIs, regular income proof is usually required. Shortcuts that work for residents in India are generally not accepted.
Medicals: several insurers allow video medicals from abroad, with higher cover allowed at higher income. Some insurers need you to be in India for the medical and signing.
Age: entry is usually allowed up to 50 to 60.
Cover: for accepted countries, several crore is possible. Countries accepted with limits get a lower cover or extra premium.
OCI and PIO card holders: some insurers do not accept them.

Country pages

See the details for your country: UAE, USA, UK, Canada and Germany & Europe.

Common reasons for rejection

Living in a country the insurer does not accept
Income below the insurer's NRI minimum
Missing salary slips or bank statements
Asking for cover above the video medical limit while abroad
Choosing an insurer that needs you in India when you cannot travel

Documents usually needed

Passport (first and last page) and visa or residence ID
Salary slips or salary certificate
Bank statements, usually 3 to 6 months
NRI questionnaire from the insurer
For high cover, some insurers ask for extra reports, for example a credit bureau report in the UAE

How FFFS helps

Rules differ a lot between insurers, and a rejection stays on record. We check your case against the current underwriting rules of several insurers before you apply, then suggest the insurer and plan that fit your profile.

Check my eligibility

Answer a few questions. We will WhatsApp you which insurers are likely to accept your case.

Thank you. We have received your request.

We will WhatsApp you within 24 working hours. To speed things up, send the details on WhatsApp now.

Send on WhatsApp

Questions

Can I buy Indian term insurance while living in the UAE?

Yes. Many Indian insurers accept UAE residents, and several allow a video medical from the UAE.

There is no income tax in the UAE. What income proof do I give?

Salary slips or a salary certificate along with bank statements are generally used.

Do I have to come to India for the medical?

Not always. Several insurers allow a video medical from abroad up to a limit. A few need the medical in India.

Can OCI card holders buy term insurance in India?

Some insurers allow it with lower limits, and some do not. We check this before you apply.

Rules differ by insurer and change from time to time. Final acceptance, cover and premium depend on the insurer's underwriting decision. Information checked in October 2026.

Term Insurance for NRIs, From Any Country