With pre-existing medical conditions, opting for health insurance early can be beneficial. Many policies in India offer coverage for pre-existing conditions after a waiting period (usually 3 years), and securing coverage early can help you avoid higher premiums or exclusions later on. 

Health insurance premiums in India are significantly more affordable than those in Western countries, where you often have to co-pay or cover a portion of medical expenses even with insurance. You can secure cost-effective coverage in case you decide to move back or visit India.

As an NRI, you may travel to India occasionally for personal or family reasons. Health insurance offers emergency coverage during your stay, ensuring that you don’t face any financial burden in case of medical emergencies while visiting. 

Many NRIs choose India for elective procedures, wellness treatments, or specialist consultations due to cost-effectiveness and expertise. A local policy can reduce the financial burden of such treatments. 

Healthcare costs in India have been rising rapidly, and this trend is likely to continue. Securing health insurance now ensures that you are protected against the effects of medical inflation, helping you avoid large out-of-pocket expenses in the future. 

Health insurance premiums qualify for tax deductions in India. NRI with taxable income in India, can claim this benefit. Deductions apply to policies covering self, family, and senior citizen parents, reducing tax liability and provides financial relief.