Non-resident Indians (NRIs) who frequently visit India should buy a separate health insurance policy in India as an international cover may not offer comprehensive protection here. While travel insurance may provide a safety net for health-related risks during visits home, it may not address ongoing health issues or chronic conditions.
Buying a health cover in India offers the advantage of a local network of hospitals, direct claim settlements, and no currency conversion issues. And if an NRI decides to return to India permanently, having a domestic health insurance plan in place will ensure continuous coverage without the need to serve a waiting period for pre-existing diseases.
