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Term Insurance coverage- Citizenship changes

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03 Oct, 2021 by  VIRAL SONI


kindly help on Term insurance query. 

Indian resident taking Term insurance from Icici Pru/ HDFC life but after 5 years his/her *CITIZENSHIP* gets changes to other country ( he will have only OCI card), still Term insurance cover will be valid or it will be void?. I have called to call centre they r saying it will be covered but when I asked them to give in writing till dat no revert

Term Life Insurance

2 Answer

08 Oct, 2021
Self Employed - Digital Consultant

Hi Viral,

Change in resident status after taking Term Insurance doesn't impact your cover.

It is good that you have informed them. Please also intimate them about the same on email. It will be a handy record in case your Insurer raises a question about it.

Hope this helps.


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08 Oct, 2021
CEO, Insurance Samadhan

Dear Viral

Insurance is an universal contract and event is covered at all locations even if you change citizenship.

Even today term insirance is available to NRI and even foreign nationals if they are staying in India at the time of policy commencement .

So do not worry , the contract is valid like Narsimha , death on earth , sea or sky anywhere in world. There can be only one exception i.e death in some forbidden countries which are having internal or external problems like Syria , Sudan .

Hope this clarifies


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