Senior health insurance in India has expanded significantly in recent years, with wider coverage for pre-existing conditions and more flexible underwriting for older applicants. On paper, this makes it easier for Non-Resident Indians (NRIs) to financially protect ageing parents back home.
But when a medical emergency strikes, many families discover a critical gap: owning a policy is easy — managing a claim from overseas is not.
According to the latest disclosures by Insurance Regulatory and Development Authority of India (IRDAI), insurers settled over 3 crore health claims in FY25, with several reporting claim settlement ratios above 95%. While this signals a strong and reliable system overall, it doesn’t reflect what families experience in real time during hospitalisation.