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Email questions to: V. K. Chand at:
question@nriinformation.com Answers are normally posted in three days.
Medical Insurance in India for Foreigners
Q. Dear Sir, Thanks for the information on your website. I have
a question to ask as follows -
Can Foreign Nationals of Indian Origin (OCI)
buy medical insurance from any of the major insurance companies
in India (if they are permanently residing in India) ? OR Is
medical insurance in India only for Indian citizens / Indian
passport holders ? Regards, Savio Fernandes
A. Medical insurance in India is offered by private insurance
companies as India does not have a Government sponsored health
insurance plan offered by countries like Canada.
Anyone who can pay the premiums can buy medical insurance in
India from the many medical insurance companies in India.
When you shop around you will find most of the companies
offering medical insurance in India are some how linked to
foreign insurance companies.
For more information on shopping for medical insurance in India
check the Health Insurance page and the Medical Costs in India
page on this website.
Shop around before you buy as plans offered by different
companies while they may appear to be similar on the surface may
be different when you check the fine print.


Q. My wife got Canadian citizenship 2 months back and applied for the
OCI card from Canada which is pending with MHA for more then one and
half months, since she has to come to India urgently she took five year
extendable Visa and came to India on 13Th of Aug 2008, now she is living
with me, please advise if she has to register with FRRO office? If yes
when? Immediately or after 180 days, what is the procedure and what all
documents are required.
Since she is 6 months pregnant she can not go back right now, please
advice if there is any procedure that she can get the OCI in India once
it's granted and from where we can check the status in India except the
online as it's been more then one and half month there is no updated on
the website.
Please guide and help us as it is very crucial for us , we will be
grateful to you if you will help us on this matter. Your quick response
will be highly appreciated
Regards, Gurpreet
A. As your wife has not yet been granted OCI and she is visiting India
on a long term visa, she does have to register with the FRRO. While she
does not have to register immediately, registration should be done not
after 180 days as mentioned in your email but before 180 days.
Since you already know her stay will be more than 180 days you may want
to do this sooner and not wait till the last minute. Registration is a
simple procedure. Fill out the required form (get three copies of form)
and provide four passport size photographs. There is no fee for this
service.
The Foreigners Regional Registration Office in Delhi is located at:
East Block-VIII, Level-II,
Sector-1, R.K. Puram,
New Delhi-110066
Telephone No. : 011-26711348
Please note that most major cities in India have FRRO offices.
You should be able to check the status of your OCI application online.
Six weeks is not a very long time.
The office in Delhi that deals with applications from those applying for
CCI from within India is:
Foreigners Division, Ministry of Home Affairs, 26-Mansingh Road,
Jaisalmer House, New Delhi-110011.
Tel. No. 011-23387436.
You may want to request the consulate in Canada to have OCI documents
issued to your wife from the Delhi office.
OCI -
Applying From India
Q. Hi, I'm 20 years old and I'm studying in BITS-Pilani, an engineering
college in Rajastan, India. I have two more years left for my course
(B.E.) to finish, after which i would like to study in the US.
I was born in USA, I stayed there till I was one year old, then came to
India and have been living here ever since. I haven't yet renounced my
US citizenship. I plan to get a US passport and then apply for OCI. I
have the following doubts:
1. What exactly is my present nationality since i didn't renounce my US
citizenship when i was 18 and now I'm 20 yrs old?
2. If i do get a US passport now, then will it be a problem staying in
India till I get my OCI?
I would be very grateful if you could help me out in any way.
thanking you. Nishant Seth
A. I am assuming that you travelled to India when you were two years old
with a US passport and a valid Indian visa.
Applications for OCI can be made in India also so you should be able to
get OCI in India if all your documentation is valid.
Canadian OCI Holder in India divorced by husband -
Harassment Charge

Q:
Hello,
I am a Canadian citizen holding an OCI. I came here a few months back on
a visit. My (ex) husband divorced me here. I want to know can I file a
case of harassment in an Indian court since I am an OCI born & raised in
India. Does the Indian court have jurisdiction since the harassment
happened here in India. or do I have to go back (which I can not afford)
to get justice? Please answer directly to my email if possible, if not,
I'll keep checking your web site.
Thanks
A: Regardless of citizenship, any crimes committed in India are subject to
Indian laws and all foreigners can be prosecuted. If harassment occurred in India you can file a case there. India and Canada signed an
extradition treaty February 6, 1987 so courts if they decide can seek
extradition of a foreigner to face the law.
There are several things you can do depending on the circumstances of
your case.
1. If dowry harassment was involved you can file charges under section
498A of the Indian Penal Code. This could have grave consequences for
your husband and his family. Even if he has left for Canada he could
find himself in trouble.
2. The Ministry of Overseas Indian Affairs also offers help to Indian
women. They offer a scheme where they claim to provide some financial
assistance to needy women in distress who have been deserted by their
overseas Indian spouses for obtaining counseling and legal services.
The
term Overseas Indian” would include NRIs and foreign citizens of Indian
origin. The counseling and legal services would be provided through
credible Indian Women’s Organizations/Indian Community Associations and
NGOs identified for providing such services and empanelled with the
Indian Missions in the USA, the UK, Canada, Australia, New Zealand and
the Gulf. The scheme is a welfare measure to support women of Indian
origin in distress, through the mobilization of the local Indian
community in the endeavor and with some financial assistance from the
Government.
To learn more about this
click here
to visit the Ministry of Overseas Indians site.
3. You may want to check with a lawyer and get advice on how to proceed.
However think this over carefully. You may be able to reach an amicable
settlement with your husband without filling charges so do give this a
try before using severe options.
If you decide to speak to a lawyer take care on who you hire.
Sometimes lawyers will take money from both parties and keep asking for
money. If you hire a lawyer, do so with an understanding of what exactly
he or she will do, the time frame involved and set the full fee before
hiring the lawyer and get everything in writing.
4. You could contact the Canadian Consulate if you need financial help
to get back to Canada. If you were sponsored by your husband to Canada he may have
financial obligations. He may also be liable for support payments
depending on your circumstances.
I have no idea of the situation surrounding your divorce or how long
you had been married. However I would like to suggest that you not let
anger or spite take over and proceed with caution on whatever route you intend to
take. Decisions taken in anger are usually decisions people regret
later. Think calmly and look at the future with hope.
Good luck and may God bless you.