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   Indian Insurance Company’s don’t need the premium from NRI’s 
India got $ 39 billion from NRI’s who are working abroad. We even have a separate Ministry to take care of NRI Affairs. We organize full fledged conference on International basis every year. This year it was organized in Chennai.
It is surprising to note that we do not need the premium from the same NRI’s.We have come across many NRI’s who are living in foreign and knowing that when they will return to India at the age of 60 then they may be completed to have policies developed for Senior citizens which have the following constraints;
Limit on sum assured
Co payment
Higher premium
They have realized that at the age of 55 or 57, if they buy a policy under normal category then they will go on having the renewals under that policy which is much more beneficial to them. Recently we got many such customers .Let us take an example
NRI residing In Middle East
Age 57 Yrs
Wife 55 Yrs
Wishes to have family floater health insurance for Rs. 10 lakhs Co should be such that policy can go on getting renewal till the age of 80 Years This means that Insurance co is getting a customer for next 23 years.
The Insurance
Company's wishes that he and his wife should come to India to get medical examination (ECG, blood test, urine test) done. Expecting a customer to come all the way from Middle East to India to get the tests done. This is another way of saying to the customer that we do not need your business.
Is it not the time that we start treating the customers in a better manner? The customer is ready to go to nay nominated clinic /hospital in Middle East to get the Tests done.
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