In brief

Choose life cover around the household’s liabilities, replacement income and intended claim process. An insurer must assess your actual residence and risk disclosures. A policy issued in India is not proof that every overseas residence, occupation or claim circumstance is covered.

Start with Life Insurance Corporation of India: Policy servicing and claims (opens in a new tab)

Choose your Indian state

Your next steps

0 of 4 steps complete · Next: Write the protection requirement

  1. Disclose the full situation

    Provide residence, nationality, occupation, travel, health and existing cover honestly. Obtain written acceptance and read exclusions, premium terms and any residence-change duties.

  2. Prepare the claim before buying

    Ask about death abroad, certificates, translation/attestation, nominee identity and payout accounts. Insurer examples below illustrate documents, not a universal checklist.

  3. Keep the family able to act

    Maintain policy numbers, premium status and a verified insurer contact in secure shared records. Review nominations alongside wills and guardianship advice.

Suggested preparation sequence. Your authority may require a different order. Progress stays on this device.

What to have ready

0 of 4 prepared

Keep documents in your own secure records. Tick what you have; nothing is uploaded.

Continue your preparation

Guardianship and wills across countriesCoordinate who cares for children with who can legally manage the estate.I want to prepare a will for assets in IndiaOrganise your wishes and the facts a lawyer needs before drafting.
More connected guides

I need to understand my parents’ health cover

Questions to take to an adviser

  • Does this policy cover my actual residence and occupation?
  • What would my family need after a death abroad?
  • Can they receive the money in the required country and currency?
Pause if you hear thisA claim-settlement ratio guarantees payment of your individual claim.

Who can help

The insurer or licensed intermediary; a lawyer for estate/guardianship coordination.

Check an adviser before paying or signing

Sources & review limits

Published by NRIdisha. Prepared with AI assistance. No individual author or qualified professional reviewer is credited for this guide.

Practical guide published 24 October 2026. Official statements are limited to the scope described on each source card. Steps and document preparation are editorial guidance. Provider-specific requirements and personal eligibility must be confirmed with the relevant authority.

Editorial standards, coverage and corrections

Official sources support the statements they address. They do not certify this guide or your eligibility. Open the source and check current amendments before acting.

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Correction or missing context?

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