Gannit

Your Policy, Your Terms.
From Anywhere in the World.

For NRIs who want to protect what matters — without chasing forms or flying home. GANNIT helps you secure life and health coverage in India, minus paperwork headaches or airport visits. Just clarity, compliance and control.

Why NRIs are investing in Insurance in India

Taxation

NRIs can benefit from life insurance policies in India, enjoying tax benefits under Sections 80C and 10(10D) of the Income Tax Act, and 361. Additionally, they also get an 18% GST* waiver on premiums paid online through NRE/NRO accounts.

Indian Insurance companies

NRIs get flexible premium options, including single, limited and regular payment terms with discounts on annual premiums

Affordable Premiums

Life Insurance coverage in India is much cheaper compared to those in other countries, making them an attractive option for NRIs

No Travel Needed

NRIs can buy insurance without travelling to India, thanks to Tele and Video medicals.

Regulated by IRDA

Insurance companies in India are well-regulated by the IRDAI, providing protection and transparency to the investor.

Our Partners

Instant Benefits of Term Insurance for NRIs

✅Affordable premiums tailored for NRIs
✅No physical presence required to buy a policy
✅Pay premiums in INR via NRE or NRO accounts
✅Enjoy 18% GST* waiver on online premium payments
✅Choose from flexible premium options: single, limited, or regular
✅Policies are backed by IRDA-regulated insurers

Types of Insurance for NRIs

  • Lifetime coverage
  • Death benefit to the nominee
  • Builds long-term value alongside your cover
  • Mix of life insurance + savings
  • Lump-sum payout on maturity or death
  • Pure life cover for a fixed term
  • Add Return of Premium (ROP) for maturity benefit
  • Most affordable option
  • Accidental Death Benefit
    Pays an additional sum in case of accidental death
  • Critical Illness Rider
    One-time payout on diagnosis of specific major illnesses
  • Waiver of Premium on Disability
    Premiums waived off if the policyholder becomes disabled
  • Terminal Illness Rider
    Advances part of the sum assured upon diagnosis of a terminal condition
  • Market-linked returns + life cover
  • Equity/debt fund unlimited switches allowed
  • Higher return potential with risk
  • Easy payout after 5 years.
  • Ideal for short/long visits or permanent return
  • Helps complete waiting periods before moving back
  • Covers family in India
  • Requires address proof, PAN, or ITR
  • PIOs must submit a passport copy
  • Helps avoid a last-minute scramble for health coverage

What You’ll Need to Buy Insurance

  • Passport copy with visa and entry/exit stamps
  • NRI questionnaire
  • PAN/Form 60 or tax ID of resident country
  • Income proof
  • KYC documents
  • Bank details

Based on the profile, NRIs may qualify for:

  • Telemedical
  • Video Medical Examination (Video MER)

A medical expert connects online and assesses health history remotely.

Start Right. Stay Protected.

We’ll help you choose the right insurer, verify documents, and activate your plan — remotely and securely.

Not Sure Where to Begin?

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