Can NRIs Buy LIC Policy from Abroad? – A 2025 Guide
Wondering if you can buy an LIC policy without visiting India? The answer is YES. This guide explains how NRIs, OCIs, and PIOs can easily buy LIC policies from outside India.
Can NRIs Buy LIC Policy Without Coming to India?
Yes, LIC allows NRIs to buy policies from abroad via:
- Video KYC (Know Your Customer)
- Authorized LIC agents who are qualified to handle NRI proposals
- Visiting the Indian embassy or consulate for verification (if required)
- Medical tests at licensed labs in your country (if applicable)
You don’t have to visit India to complete the process.
Who Can Apply from Abroad?
- NRIs (Non-Resident Indians)
- OCIs (Overseas Citizens of India)
- PIOs (Persons of Indian Origin)
Applicants should:
- Be between 18 and 60 years of age
- Provide valid overseas documents
- Submit income proof (bank statement, salary slips, etc.)
Key Documents Required
You can share these digitally:
- Passport copy (front & back)
- Latest visa or residence permit
- Overseas address proof (utility bill, bank statement)
- PAN card (optional but preferred)
- NRE/NRO bank details
How Is Medical Done from Abroad?
LIC may ask for medical tests depending on your age and sum assured. These can be done at:
- Approved diagnostic centers in your country
- Hospitals listed by LIC’s medical underwriter
Your LIC agent will help schedule and submit medical reports.
Payment Options from Abroad
You can pay premiums using:
- NRE/NRO bank transfer
- Debit/credit card (international usage enabled)
- Remittance through licensed channels
Note: Payments must follow FEMA guidelines.
Popular Plans You Can Buy from Abroad
- LIC Nivesh Plus
- LIC Jeevan Labh
- LIC Jeevan Umang
- LIC Tech Term (online only)
Each plan has different benefits. Talk to an advisor for a custom recommendation.
Need Help?
We’ve helped NRIs from UAE, USA, UK, Singapore, and Australia buy LIC policies smoothly.
📲 Chat with Neetu Jain at InsuringGurgaon.com
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