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Last updated on: August 7, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Read BioIndia boasts of one of the largest diaspora in the world. There are various challenges and risks encountered by Non-Resident Indians (NRIs), particularly the blue-collar and contract workers, overseas. Special insurance policies have been formulated to offer financial security and assistance to Indian workers going to ECR (Emigration Check Required) countries. The Pravasi Bharatiya Bima Yojana Policy, which is designed to meet the requirements of Indian emigrants, is characterized by its comprehensive nature, compulsory nature, and convenient aspects in 2025.
Oriental Pravasi Bharatiya Bima Yojana (PBBY) Policy is a health and personal accident insurance cover that is government-mandated, and that is available to the NRIs who are traveling overseas to work. According to the Indian statutory requirements, emigrants going to certain countries (primarily, Gulf and ECR-listed countries) are to have the valid PBBY policy. This will provide the Indian workers and their families with the support in cases of medical emergencies, accidents at the workplace, unforeseen deaths, repatriation, and legal cases.
This strictly controlled insurance program offers security and assurance to the overseas Indians as well as their families living in India.
ECR (Emigration Check Required) is a term that is used to describe the Indian nationals who tend to pursue blue-collar employment abroad. Pravasi Bharatiya Bima Yojana is mandatory to individuals travelling to ECR countries.
Did you know?
According to the Ministry of External Affairs, over 7 million Indians are employed in ECR countries. PBBY claims prevent thousands of families a year being ruined financially.
| Feature | 2025 details |
|---|---|
| Duration of Policy | Two years (can be extended to three years on certain jobs/regions) |
| Sum Insured | Up to INR 10 lakhs on accidental death and disability |
| Medical Insurance | Up to INR 1 lakh hospitalisation (accident/disease) |
| Maternity Cover | INR 50,000 (female emigrants) (both normal and caesarean deliveries) |
| Repatriation Costs | Repatriation of the body in case of accidental death up to INR 40,000 |
| Family Hospitalisation | Up to INR 50,000 spouse/kids left behind in India (accident/injury) |
| One-Way Economy Return | One-way reimbursement of ticket in case of termination of contract on medical basis |
| Legal Expenses | Legal, litigation or detention related costs of up to INR 45,000 |
| Outpatient Expenses | Included up to INR 20,000 of minor procedures/consultations |
| Premium | Typically under INR 1000 in two years (can be differentiated by age, coverage) |
| Geographic Coverage | ECR countries according to MEA list |
Conventional private insurers tend to reject the high-risk foreign workers. PBBY makes sure that the most vulnerable are able to get insured.
| Aspect | Oriental PBBY Policy | Standard Overseas Mediclaim | Custom NRI Policies |
|---|---|---|---|
| Is ECR compulsory? | Yes | No | Not generally |
| Medical + Death Cover | Yes | Medical only (mostly) | Death not always |
| Maternity/Family Cover | Yes | Rarely | Extra cost |
| Legal/Deportation Aid | Yes | No | Limited |
| Fixed Sum, Low Premium? | Yes | Variable | Variable |
Expert Insight:
Insurance analysts suggest PBBY as a first option to emigrants because of the combination of low premium, regulatory support and pertinent benefits to Indian workers and their dependents.
As long as you maintain eligible employment overseas, you may renew or extend coverage to cover more years, on a term basis.
This policy must be purchased by any Indian national who is going abroad to work to certain countries (primarily GCC, Middle East, Malaysia, etc.) with an ECR passport.
Ramesh, a 32 year old carpenter in Uttar Pradesh, went to Dubai on a two year contract. He was injured at work months later. The hospital bills were INR 55,000. Oriental PBBY paid his hospital bills, compensated lost wages, and even gave him partial disability payments- this was directly beneficial to his family.
Oriental Insurance settles claims with the nominee or family of the insured on the basis of evidence presented by overseas hospitals or governments. When it is approved, the benefits are paid out to assist the family back in India.
Response: The claims can be done online or by a TPA. The major documents are death certificate/accident proof, policy certificate and nominee proof of relationship.
DID YOU KNOW?
More than 92 percent of NRI workers families found health and legal claim support as the most valuable benefit of PBBY in 2024.
Among the few benefits that are exclusive to Oriental PBBY is that it has an inbuilt provision to not only support the insured, but also the immediate dependents who live in India. In the event that the worker whose work is insured is hospitalised or incapacitated:
Yes. A lot of NRIs purchase Oriental PBBY on compulsory basis and supplement it with regular health or life insurance plans to extend cover. It is now easier to add policies, depending on individual needs, through comparison of features and price on online platforms.
Oriental Insurance uses technology and multilingual assistance centres to settle claims in a short period. Valid claims are normally turned around within 5-15 working days with the majority of documentation being handled electronically. Claimants are kept updated via mobile SMS/email status updates.
Answer: Call the Oriental helpline or your countries embassy. Oriental also gives local assistance contacts in key ECR countries.
| Aspect | Oriental PBBY | Standard Overseas Policy |
|---|---|---|
| Emigration Requirement | Yes (required) | Non-ECR countries can be optional |
| Premium Range (2025) | INR 800 to 1200 | INR 1800 to 3500 (depends on age) |
| Duration of Coverage | 2 years (fixed) | 1, 2 or 3 years (flexible) |
| Accidental/Death Coverage | Included up to 10 lakh | Usually not included/less coverage |
| Maternity, Repatriation | Covered | Rarely covered |
| Hospitalisation (India) | Family covered | Not covered |
| Claims Process | Direct to insurer | Third party, can be longer |
Expert Insight:
According to industry experts, Pravasi insurance in 2025 will be characterized by increased legal assistance and improved coverage of disabilities and chronic diseases as the nature of overseas employment contracts has changed.
In India, child of worker is hospitalised. Up to INR 50,000 of treatment costs are covered by policy. The claim is done through direct reimbursement.
Labourer hurt, cannot go on. Round-trip airfare to India paid back and medical costs.
Nominee gets 10 lakh compensation + repatriation expenses, and this reduces the financial shock.
Answer: No, the policies are standalone in the meantime. You can change insurer upon expiry/renewal.
The Oriental Health Insurance Pravasi Bharatiya Bima Yojana Policy is a mandatory insurance required by the government of India of the Indian workers traveling to ECR countries in 2025. It provides health, accident, death, maternity, repatriation and legal cover to the worker and close family at a low premium. It is suitable to NRIs and their dependents because of its strong customer support, quick claims, and digital-first management.
Does every Indian travelling outside the country need Oriental PBBY?
No, only ECR passport holders travelling to ECR countries on work.
Is this policy purchaseable after getting abroad?
No, it has to be bought prior to travel because it is required during emigration clearance.
What are the documents required in settlement of claims?
As a rule: policy certificate, medical/hospital records, employment proof, passport copy, death/accident proof, nominee KYC.
What are the ways in which I can compare the new pravasi insurance plans of various companies?
Compare in real-time features, pricing, and claim processes of various insurers using reputed online marketplaces so that you get the most appropriate one to suit your requirements.
Is the policy inclusive of pandemics or hospitalisation due to an outbreak?
Yes, provided the illness is contracted after the policy start in employment; terms and exclusions apply.
What is the way to check my claim status?
The status of claim can be verified through online insurer portal, WhatsApp, SMS or through the helpline number given at the time of policy.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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