US, UAE and Canada NRIs Drive 126 Percent Surge in India Health Insurance Demand

India’s health insurance market is witnessing a strong upswing as Non-Resident Indians from the United States, United Arab Emirates, and Canada increasingly opt for India-based health insurance plans. According to a recent report, demand for health insurance among NRIs has jumped by an impressive 126 percent year on year, signalling a shift in how overseas Indians plan their healthcare and financial security.

This growing preference reflects changing global healthcare costs, easier access to Indian insurance platforms, and rising confidence in India’s medical infrastructure.

Why NRIs Are Choosing India Health Insurance Plans

One of the biggest drivers behind this surge is affordability. Health insurance premiums in India remain significantly lower than those in developed markets. NRIs can purchase comprehensive medical insurance in India at a fraction of the cost they would pay overseas, while still accessing quality healthcare services.

In addition to lower premiums, India offers a wide network of private hospitals, experienced doctors, and advanced treatment options. Many NRIs also value the comfort of receiving treatment closer to family during visits to India.

Gulf Countries Lead NRI Health Insurance Purchases

NRIs based in Gulf countries such as the UAE account for nearly half of the total demand for Indian health insurance. Short travel durations, frequent visits to India, and high medical costs in Gulf nations have made India an attractive healthcare destination for this segment.

Annual health insurance plans in India can cost between $120 and $300, compared with $2,000 to $3,000 for similar coverage in Gulf countries. This cost advantage continues to attract working professionals and families living in the Middle East.

Rising Demand from the US and Canada

NRIs from the United States and Canada are also increasingly purchasing Indian health insurance policies. Long waiting periods in public healthcare systems abroad and expensive private healthcare options have encouraged many to seek alternative solutions.

For these NRIs, India health insurance provides access to faster treatment, advanced diagnostics, and flexible coverage options. The report notes that North America contributes a significant and steadily growing share of overall NRI policy purchases.

Family Floater Policies and Higher Coverage Gain Popularity

Another notable trend is the sharp rise in family floater health insurance plans. The share of such policies has grown from 20 percent to nearly 70 percent year on year. Many NRIs are opting for family coverage to protect parents and dependents living in India.

There is also a clear shift towards higher sum insured options. As medical costs rise, NRIs are choosing policies with broader coverage to ensure long-term financial protection for their families.

Digital Access and Tax Benefits Boost NRI Interest

Seamless digital processes have played a crucial role in driving demand. Insurers now offer online policy issuance, AI-based medical assessments, and teleconsultations, allowing NRIs to buy and manage health insurance remotely.

The removal of GST on select NRI health insurance policies has further strengthened demand, making these plans even more cost-effective for overseas buyers.

India Emerges as a Preferred Healthcare and Insurance Hub

Experts believe this trend reflects a broader shift in the mindset of the Indian diaspora. India is no longer seen only as a destination for medical treatment but also as a reliable and strategic choice for health insurance planning.

With customised NRI health insurance products, competitive pricing, and improved service delivery, India is steadily positioning itself as a preferred healthcare and insurance hub