If you signed up for a Life Insurance policy during your vacations in India but actually stay abroad, it is going to fulfill all the needs for which you have signed up for. But it is important to choose your health Insurance wisely. Sign up for the health insurance policy which is available locally.
Buying a health insurance cover from India is not going to be valid in the UK or in any other part of the world. So, why invest money into those avenues which may not be beneficial to you as and when required? It will be unnecessary to get into a debt of a personal loan or any loan, to get funds for any emergencies.
Try taking a health insurance cover for your parents where in they cover uto the age f approximately 100 years old. Opting for a stand alone health insurance companies is recommended from where you can sign in your policies.