Non-Resident Indian (N.R.I.) & Foreign National of Indian Origin (F.N.I.O.)

Who is an N.R.I ?

• Holding a Valid Indian Passport
• Citizen of India who is temporarily residing in some other Country (Min -182 days)
• Not a Green Card Holder
• Should not have applied for Citizenship of any Country

Who is an F.N.I.O. ?

• Foreign National whose Ancestors have Indian Originality.
• Some proof of Indian Originality needs to
• Some proof of Indian Originality needs to be submitted
• FNIO are to be treated as NRIs for the purpose of allowing insurance on their Visit to India with minor restriction

Who is P.I.O.?

A Person of Indian Origin (PIO) is a person of Indian origin or ancestry but who is not a citizen of India and is the citizen of another country. A PIO might have been a citizen of India and subsequently taken the citizenship of another country, or have ancestors born in India or other states.

NRIs can be allowed insurance

On their visit to India

• Formalities completed during their stay in India No maximum Sum Assured limit

Mail order Business

• Formalities completed in their present country Maximum Sum Assured allowed is 1-Crore.

Medical Underwriting for NRI

On their visit to India

• NMS allowed. No NMG, NMG(P) Same conditions as applicable to Indian Lives

Mail order Business

• Non-Medical allowed if Agent visits the Country In other cases, Medical Reports required as per rules