10 Best Term Insurance Plans for NRIs

Life is fast-moving, especially if one is living outside India. Work, travelling, family needs, and long-distance planning snatch a large part of one’s grey cells. In the midst of this, one of those questions that keeps popping up is:

• “How will my family be protected in India while I am living abroad?

The simplistic answer to this is NRI term insurance. A plan like this will let you be hassle-free, providing your family with financial security in any country you reside in. This policy is reasonably priced, easy to purchase, and trusted by a large number of Indians residing abroad.

In this blog, I will explain everything in the simplest way possible. You will see the 10 best term insurance plans for NRIs in 2025. You will surely have a confident and clear idea about which plan may suit you by the end.

Why NRIs Require Term Insurance

Living abroad, you know how life is full of surprises. Anything at any time is possible. A good term plan ensures that during such times of crises, your family need not undergo financial problems.

Here are simple reasons why NRIs should buy term insurance:

• Your family is covered financially in your absence.
• There is a low premium, yet a high coverage amount.
• You can buy or manage the plan from any country.
• It assists in long-range planning for your parents, spouse, or children.
• With many plans, there is global coverage.

If one wants the best term insurance for peace of mind, a good NRI-friendly plan makes all the difference.

How We Chose These 10 Best Plans

To create this list, I considered plans offering:

• Easy buy for NRIs
• Low premium
• High coverage
• Good claim settlement record
• Strong brand trust
• Global Protection

All the following names are well known both in India and abroad. They are easily available and simple to comprehend. Let’s get started, then.

1. Tata AIA Sampoorna Raksha Supreme

Tata AIA is one of the best options for NRIs. The plan offers very flexible options.

Why It Is Good:

• Global coverage
• Quick claim process
• High claim settlement ratio

Good for: NRIs seeking simple, strong protection.

2. HDFC Life Click 2 Protect Super

It is one of the most trusted plans amongst the people residing outside India.

Why it is good:

• Premium remains affordable.
• Ability to add additional riders
• Strong brand value

Good for: Long-term security from a big insurer is what NRIs want.

3. ICICI Prudential iProtect Smart

For this reason, the plan is very popular, as it gives many smart features.

Why it is good:

• Covers many critical illnesses
• Good Customer service
• Trustworthy brand

Good for: NRIs who want health benefits along with life cover.

4. Max Life Smart Secure Plus Plan

Max Life insurance company has a good claim settlement record.

Why it is good:

• High claim settlement ratio
• Many payout options
• Online purchase for many countries

Good for: NRIs who require high reliability.

5. LIC Tech Term (Plan 854)

LIC is an Indian brand name that has the most amount of trust put into it. For brand trust, many NRIs also prefer it.

Why it is good:

• Simple plan
• Very reliable
• Offers global coverage

Good for: People seeking simple and stable protection.

6. SBI Life eShield Next

This is a solid plan that’s also in line with the budget.

Why it is good:

• Low premiums
• Government-backed, trusted brand
• Good acceptance globally

Good for: Inexpensive protection for NRIs.

7. Bajaj Allianz Life Smart Protection Goal

Bajaj Allianz provides flexibility in selecting benefits.

Why it is good:

• Many riders
• Flexible term
• Simple buying process

Good for: NRIs looking for tailored variants.

8. Kotak e-Term Plan

The plan by Kotak is very reasonable and hassle-free.

Why is it good?

• Reasonable premium
• Global coverage
• Good claim record

Good for: Inexpensive strong coverage for NRIs.

9. Aditya Birla Capital DigiShield Plan

It is attributed to offering various kinds of protection under a single, simple structure.

Why it is good:

• Variety of cover options
• Long duration of policy
• Easy to purchase by NRIs

Good for: Those who want maximum flexibility.

10. PNB MetLife Mera Term Plan Plus

PNB MetLife gives wide coverage and is easy to buy for NRIs.

Why it is good:

• Covers such risks as death, sickness, and disability.
• Many payout options
• Good customer experience

Good for: NRIs requiring all-round protection.

How to Select the Right Non-Resident Indian Term Insurance Plan

Having kept a few things in mind, it is pretty easy to choose the right plan.

• Check if the plan gives global coverage: You must be covered in the country of residence. Most of the above plans provide that.
• The claim settlement ratio: A high ratio indicates that the company settles claims quickly and without any hassles.
• Determine your coverage needs: An easy way to select, Coverage = 10 to 15 times your annual income.
• Check the premium: Choose a scheme that suits your pocket and remains stable over the years.
• Add on the right extras: Additional safety may be provided by riders like critical illness or accidental cover.
• Check online reviews: Many NRIs share useful feedback regarding purchases made from abroad.
• Make the documentation easy to fill out: Most insurers these days allow for video KYC, online documents, and digital signatures.

Why Buying Term Insurance as an NRI Is Easier in 2025

In 2025, almost every insurance company allows NRIs to:

• Purchase plans online
• Pay premiums from abroad
• Do video medical check-ups.
• Sign documents digitally
• Get policy copies via email

This makes the entire process quick and hassle-free. Many companies have special help desks for NRIs. You can call or email them any time.

Benefits of NRI Term Insurance

Following are simple benefits you get upon buying term insurance as an NRI:

• Helps keep your family safe: Even when one stays far away, full support goes to the family.
• Low premium, high protection: This easily makes it one of the best insurance options for NRIs in terms of term insurance. 
• Easy to manage from any country: It is all on the internet these days. 
• Strong support in emergency situations: The payout can help your mother, father, spouse, or children handle those expenses. 
• Good for long-term planning: It helps in building financial safety for many years to come.

Who Should Buy These Plans?

These NRI term insurance plans are ideal for you if: 

• You are living out of India. 
• You earn in foreign currency. 
• You want to protect your family back home. 
• You want basic, inexpensive coverage.
• You want an Indian insurer you can trust. 

The aforementioned points, if matching your situation, mean that purchasing early will save cash and provide long-term peace. 

Conclusion 

Choosing the best term insurance plan for an NRI may look confusing at first. But if you put it under the microscope, it is pretty simple. Your family is dependent on you. A good term plan ensures that they remain secure even if life springs a surprise or two. The 10 plans mentioned above are some of the best options for NRIs in the year 2025. They are trusted, easy to purchase, and designed to support Indian families. Investment in nri term insurance is a promise of peace for many years to come.