Particulars	PIO	NRI	Foreign National
Who	Person who has a PIO card. Has citizenship of another country but has an Indian origin (Parents/grandparents)	Person who is an Indian residing abroad	Person who is not a citizen of India and does not have a PIO Card
AT the time of taking policy	Client has to be in India	Client can be abroad  - if JET case	Has to be residing in India for atleast 1 year
Products Allowed	All except Lifeguard and IBR and pension plans	All	All except Lifeguard and IBR and pension plans
Countries Allowed	U.K, North America, Australia, Europe, NZ	U.K, North America, Australia, Europe, NZ, Middle East, South East Asian Countries.	As per approved Countries List Approved
Countries Not Allowed	Africa[Except Life Link (105% DB)] and Latin America	Africa[Except Life Link (105% DB)]
Countries with approval	Middle East & South East Asian Countries	Any country not mentioned above
CCR	Mandatory	As per Matrix	Mandatory
JET/medical	Medical compulsory except for Investment plans*	Can be considered JET as per Jet / Female Norms ( Min Qualification of HSC for J1 case not applicable)	Medical compulsory except for Investment plans*
Max SA / Min Premium	25 lacs                                  No Min premium criteria	50 lacs                                  No Min premium criteria	25 lacs                                  Min premium Rs1lac
Questionnaires	PIO Questionnaire in new format	NRI Questionnaire in new format	Foreign National Questionnaire in new format
Age Proof	Passport mandatory	Any	Passport mandatory
Documents	PIO card mandatory except for investment plan*Common Identification #	*For NRIs ( except skilled labour) - a Visiting card can be submitted as Jet Docs                                      *For Student Cases, a Declaration from parents regarding academic status mentioning all details of course c	*Photocopy of Card mentioning the Common Identification Number is mandatory                          * Latest ITR/ Form16 mandatory