Exemption for insurance amount

Insurance maturity proceeds are exempt u/s 10(10D).  But sub-cluases (c) and (d) restricts exemption to cases where annual premium is less than 10% of capital sum assured.  This exemption is eligible to all assessees irrespective of their residential status.  But TDS u/s 194DA from insurance policy maturity amount applies to residents only.  So no TDS for non residents.  Does it mean that sub-clauses (c) and (d) of Section 10(10D) are not applicable to non residents and they can claim exemption even if the annual premium is not less than 10% of capital sum assured ?  

Thanks in advance.