Explore GIFT City
US Dollar Investment
Linked Insurance Plans
US Dollar denominated investment plans for NRI from GIFT City
One of the best insurance plans for NRIs from GIFT City is US Dollar denominated Investment Linked Insurance Plans. These plans offer a unique combination of long-term wealth creation in USD along with life insurance protection, making them a comprehensive financial solution for globally mobile individuals.
These US dollar investment plans for NRIs from GIFT City provide NRIs with access to global markets and diversified global asset allocations through curated investment strategies. This helps investors align their wealth with important international financial goals such as wealth creation, retirement planning, and funding a child’s international education.
Additionally, the regulatory and tax framework applicable within GIFT City may offer certain tax efficiencies and operational advantages, subject to individual residency status and applicable laws
Key Highlights
Our US Dollar Investment plans
Choose from our US dollar investment linked Insurance plans from GIFT City.
Global Wealth Advantage Plans
- Market linked wealth creation with life cover
- NRIs building long-term global wealth and regular income goals
- Multiple global strategies, Regular income option, flexible premiums
US Dollar Global Education Plan
- Goal based savings for overseas education
- NRI Parents planning international education for their child
- Systematic contributions, protection plus USD savings
What is GIFT City & why it matters
What is GIFT City?
Gujarat International Finance Tec-City (GIFT City) is India’s first International Financial Services Centre (IFSC), located in Gandhinagar, Gujarat. It was established to develop a globally competitive financial and fintech hub offering international financial services from within India. All financial institutions and activities operating within GIFT City IFSC are regulated by the International Financial Services Centres Authority (IFSCA), the unified regulatory authority governing the IFSC ecosystem.
Why was it created?
India historically saw many international financial transactions routed through global hubs like Singapore and Dubai. To address this demand, the Government of India established GIFT City as an internationally competitive financial hub within India, enabling global financial services and offshore-style transactions under a dedicated regulatory framework. GIFT City also aims to strengthen India’s connection with NRIs and global investors through internationally aligned financial products and services.
What financial products are available?
Within GIFT City, a wide range of international financial products and services are available in foreign currencies, including USD-denominated insurance solutions, banking and mutual funds etc. The IFSC framework enables institutions to offer globally aligned financial services tailored to NRIs, foreign investors, and internationally focused clients.
Why NRIs use GIFT City?
NRIs are drawn to it for a few practical reasons. The product structure and features are designed to address the unique global financial needs of NRIs, many of which often remain underserved by traditional financial solutions. The tax structure is more favourable than most domestic options, moving money back out is considerably less complicated, and a single regulator covering all USD investments removes an entire layer of administrative friction.
HDFC Life International - GIFT City
HDFC Life International is located in GIFT City and operates under the regulatory framework of IFSCA. The company offers global insurance solutions designed to help NRIs achieve their international financial goals while supporting their global lifestyle. Its product suite includes USD-denominated Investment Linked Insurance Plans, USD Term Plans, Global Health Plans, and global retirement solutions.
How GIFT City USD plans work
Step 1:
Choose your premium, policy term, and investment strategy based on your financial goals
Step 2:
Your premium gets invested in global funds, growing over time with market performance and fund selection.
Step 3:
Access liquidity during the policy through partial withdrawals or regular income via systematic withdrawals.
Step 4:
Receive benefits at exit—either maturity value or life cover payout (higher of sum assured or fund value).
Who can invest – eligibility & target profiles
NRIs, OCIs, PIOs, and foreign investors are all eligible. The plans suit HNIs, professionals across the US, UK, and GCC, families planning for education costs abroad, those building a retirement corpus outside India, and anyone wanting to reduce dependence on a single currency. Searching "who can buy insurance from GIFT city?" returns a fuller eligibility breakdown.
Primary Advantages
Key benefits vs Traditional options
| Feature | GIFT City USD Plans | Traditional NRI FDs / Local Policies |
|---|---|---|
| Currency | USD denominated | Mostly INR |
| GST | 0% for NRIs/OCIs | 0% |
| Market Access | Global equity, debt and diversified strategies | Primarily domestic |
| Asset Classes Mix | Global equity, debt and diversified strategies | Primarily domestic |
| Repatriation | Full and free repatriation of proceeds | Subject to limits for certain accounts |
Tax & Regulatory Snapshot
Certain transactions conducted through entities in the GIFT City IFSC may benefit from tax incentives, including exemptions on specific capital gains, reduced securities transaction taxes (STT), and GST relief on eligible financial products, subject to applicable regulations. Tax treatment varies based on residency status, policy structure, and investment type. Individuals considering GIFT City insurance should seek advice from a qualified tax professional or financial advisor familiar with IFSC regulations to understand the potential tax implications and benefits
Build US Dollar wealth.
Protect your family globally.
Tap into international market and opportunities.
Frequently Asked Questions
GIFT City is India's IFSC in Gujarat. It gives NRIs access to USD-denominated products, meaningful tax benefits, and a regulated path to global investment.
Talk to our GIFT City Specialists
If you are looking at US Dollar Investment Linked Insurance Plans through GIFT City, our team can help you understand the available options. Connect with us to learn how GIFT City based USD plans could fit into your overall financial planning.
From a global lifestyle to the best healthcare in the world for your family or a world class education for your kids, HDFC Life International is here to open up possibilities for the Global Indian with US Dollar denominated innovative solutions.
Products
Know about us
HDFC International Life and Re Company Limited, IFSC Branch
FCRN: F06803 & IFSCA Registration No.: IFSCA/IIO/006/2022-23(Regulated by the IFSCA)
Registered Branch Office and Address for Correspondence: Office No. 213, Hiranandani Signature, Second Floor, Block 13B, Zone - 1, GIFT SEZ, Gift City, IFSC, Gandhinagar, Gujarat, India - 382050.
The registered marks including the name/letters "HDFC" in the name/logo of the Company/branch belongs to HDFC Bank Limited ("HDFC Bank") and the name/letters "HDFC Life" is used by HDFC Life Insurance Company Limited ("HDFC Life") and its subsidiary, HDFC International Life and Re Company Limited under a licence/agreement between HDFC Bank and HDFC Life.
For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully before concluding a sale.
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