One more query - Claim to the above policies would be paid in Indian Rupees or can be paid in Foreign currency?
The basic rule is that the payment of claims or surrender value in foreign currency will be permitted when

the claimant is permanently resident outside India and

all the premiums under the policy have been paid in foreign currency or by remittances from abroad through approved channels.

Where the premiums have been paid partly in Indian rupees and partly in foreign currency, the payment in foreign currency is in proportion to the amount of premiums paid by remittance from abroad to the total premiums paid.

The payment of policy money in foreign currency can be made on getting approval from Reserve Bank of India.