Wednesday 31 January 2018

How to choose the best Travel Insurance in 2018

Did you plan a chill trip to the hills this new year or headed out to an island or a long holiday with your family or friends? Well, have a nice trip but you can have an amazing trip with a Travel Insurance in this new year of 2018. 

Travel insurance is the kind of insurance that will provide you the aid and support to cover medical expenses, trip cancellation, lost luggage, flight accidents and any other damages or losses that you incur while your travel period. The travel can be either international or domestic, so buy domestic travel insurance to stay safe even as problems can arise even within your own country. Travel insurance can and should be taken at the time of booking the trip so that it can cover for the expenses that you incur if you have to unfortunately cancel you trip which will cost you from the flight tickets, hotel room bookings, etc. 

The travel insurance can be taken to cover the whole duration of the trip or you can also take a “multi – trip” policy that would be covering all the trips which will take place within a set time frame. Lower and higher medical expenses are options in the insurance. The higher ones are important for the countries that have high medical costs, for example, the United States. As the U.S. has extremely high costs of healthcare, it would be best advised to take up a good travel insurance which specialized in the health sector, a travel health insurance. The benefits of travel insurance will help you a great deal when travelling. 

Getting a good travel insurance before anything happens is probably the best time to get it as you can make claims right away. This will benefit you and not disrupt or spoil your trip. You can no longer get travel insured after any occurrence of disrupting or unfortunate events like acts of terrorism, illness, severe weather illness, luggage loss or damage. Get travel insurance and travel safely. 

What makes your travel insurance the best one?

If it covers the cancellation costs

Take up a travel insurance that will cover the costs that you incur sue to the cancellation of the trip through the tickets, hotel bookings, booking fees, etc. The insurance company will reimburse the insured for pre - paid, non - refundable expenses of flights tickets, hotel rooms, tours, etc. if in case you have to cancel your trip before leaving but after booking everything. Also, make sure that you get a travel insurance while or soon after getting the trip booked so that it compensates you for the cancellation. 

Emergency health care 

The best travel insurance will provide you emergency medical attention if anything happens to you while travelling. It will cover the cost of the treatment for medical emergencies like dental surgeries, tending to injuries, etc. 

Rescue and repatriation

Your travel insurance will arrange for the emergency rescue mission in case you are stuck somewhere while your travel or if there is some situation and you need to be evacuated immediately from the area you are staying in. The insurance policy will cover all the expenses of the rescue as well as any medical attention you need after the situation. I will also cover for the medical transport to a treatment center or the safe return to your home if you require so.

Loss or delay of your baggage or personal items

The best travel insurance policy will cover for your baggage and items if they are lost, stolen or damages during travelling. It will reimburse for the clothing items, toiletries, medical emergencies and other travel essentials to assist you during your trip so that you can continue with it even after you have lost your baggage and personal items during the travel. So, choose a travel insurance that will provide cover for such situations. 

24/7 worldwide assistance

While choosing a travel insurance, you need to check if it will provide 24/7 assistance throughout the world. This assistance will help the insured to deal with claims, medical emergencies and other travel related assistance that they might require during the trip.

The year 2018 might change things for the good or the bad, you never know. It is pretty unpredictable. So, why not be prepared for the worst and get a travel insurance which will cover a huge chunk of the area what you claim for. With the rise in prices each year, in most of the sectors, you need to be careful with what you invest in and how much insurance policy cover you opt for. 

With the new year of 2018, comes in newer possibilities but also more challenges and higher prices, so get the best travel insurance to stay safe. Buy domestic travel insurance to stay safe inside and international travel insurance to avoid problems outside. Have a god 2018!

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Tuesday 30 January 2018

7 Easy Steps for Planning Your Next Trip

If you have resolved to spend the best vacation, you should not undermine the importance of planning. With better planning, you will be able to make the most of your time, effort and money. Preparation of the checklist, execution of the itinerary, the arrangement of funds and financial cushion to absorb unpleasant surprises should be done in an efficient manner. The following steps will help you in this direction: 

Schedule – You should prepare the travel schedule in advance so that you can plan the trip very easily. The season, duration of the trip, the inclusion of kids, leave from the workplace and other parameters should be considered to chalk out your plan. 

Activities – you will want to find a fascinating destination where there will be scope for everyone. If you are travelling in the summer season, you can participate in various kinds of water sports. You will have great relaxation and there will be great fun as well by participating in your favorite activity. The destination should be selected as per the type of activities that you would like to include in the holiday. You are advised to procure necessary protective gear as well. 

Length of trip – The length of the trip should be planned as per the feasibility of time. It should be as per your budget as well. By preparing a rough estimate, you can plan the trip very efficiently. If you are not aware of the length of your trip, you will not be able to figure out your expenses for the trip.

Save money for the trip – After being aware of the location and the duration of the stay, you should save money for the trip. If you are aware of your trip well before few months, you can set aside good amount on monthly basis and there will not be any difficulty white executing the holiday. If you are taking one or two trips on annual basis, you should save a percentage of your savings on monthly basis. If the trip cost is high, you can increase the savings in various ways so that you will not take loan from other people and banks. You should not land in financial distress after the completion of the trip. Certain travel cards will give you reward points so that you can redeem them later. You should also go for no-fee ATM cards and sufficient local currency should be managed to make small payments. 

Book your vacation – If you save sufficient money, there will be great relief in booking your flight tickets. You will also be able to reserve your hotel/resort accommodations. The expenses incurred under various heads such as food, activities, joy rides, the arrangement of the guide and local transport will be fulfilled with a well-planned trip. There are budget hotels as well as luxurious resorts where accommodation and activities can be planned as per your capability. 

Insure your trip – There are many singles, couples and families who fail to buy the insurance cover while undergoing the holiday. There are many advantages of the insurance policies. Students can go for Student Travel Insurance as it is very affordable and will help them get relief from major financial disasters. Indians studying abroad can buy the student travel insurance policy in India and the benefits can be enjoyed from abroad. By buying a policy in India, the premium will be very low. The hospitalization and cashless treatment options are provided in a foreign country by availing the insurance cover. 

Preserve and share memories – You should take snaps at various instances of your trip so that you can preserve them throughout your life. The smartphone, digital camera and digi cam are some of the options with which you can capture photos and videos very easily. You can also share your images and videos as per the availability of internet connectivity in the visiting places. The visual content can be shared with your friends, associates and family members. 

Why travel insurance?

The travel risks are borne by the travel insurance policy. You can buy Travel Insurance Online as the process is instant and seamless. As there are many insurance companies in the market, you should want to go through the plans offered by various companies. After comparing these plans, you can settle for the best plan as per your needs. 

The following benefits are enjoyed with your travel insurance:

Medial and hospitalization costs in overseas 
Overseas emergency medical support 
Accommodation and travel–related expenses 
Hospital cash allowance 
Accidental death 
Permanent disability 
Trip cancellation charges 
Payment against loss of valuable items 
Theft of travel documents 
Arrangement of alternate transport 
Personality liability 
Care for domestic pets 
Coverage for sponsors 

Conclusion 

You can plan your next trip very easy and there will be great comfort and convenience by implementing the important steps in a very efficient way. You should not forget the importance of insurance as it will take care of your needs in the best possible way.

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Monday 29 January 2018

The 20 Fastest-growing Travel Destinations in the World

There are astonishing places where tourism is raising at a great speed! Multiple reasons attribute to the growth of tourism. The weather condition, world economy, exchange rate, major events and terrorism are some factors which will have an impact on tourism. The reasons growth of tourism include paid holidays, better travel facilities, increase in disposable income, internet booking and longer life expectancy. The types of tourism include cultural, business, geographical and visiting family and friends. 

Regardless of the type of tour that you accomplish in the domestic or foreign land, you should be covered by travel insurance plan to make the most of your trip. You should be aware of the Domestic Travel Insurance Policy before buying an insurance plan. 

Fastest growing destinations 

1. Sierra Leone – The West African nation is listed as the most attractive travel destination in 2016. The number of tourists had quadrupled compared to the year, 2015. More than 74,000 visitors recorded in 2016. The location offers great beaches, peaceful villages and great hospitality from local people. 

2. South Korea – South Korea recorded 17.2 million tourists in 2016. There is great increase from 2015 (13.2 million). The country has attractive beaches, hiking trails, caves, and landscapes. The country capital is an attractive tourist destination. 

3. Kiribati - The pacific nation comprises of 33 coral atolls. It has witnessed 26.6% in the number of tourists last year. Fishing, diving and private islands are attractive spots in Kiribati. 

4. Madagascar – It is the world’s biggest island. It has attracted 293,000 travelers in 2016. Madagascar is one of the 17 countries which boast of biodiversity. Its rich wildlife including chameleons and species of lemur attracts tourists from all over the world. 

5. Slovakia – Tatra Mountains is the highest range in the Carpathians. Unesco Biosphere Reserve has reported 16.9% increase in travelers in 2016. There are high altitude lakes and waterfalls and they can be explored through various hiking paths. 

6. Nepal – Nepal witnessed 39.7% increase in tourists in 2016. The best places to visit in Nepal include Kathmandu, Bhaktapur, Boudhanath Stupa, Pokhara, and trekking in the Annapurna region. 

7. Iceland – there was 39% increase in number of tourists in 2016. The main attractions in Iceland are museums, historic sites, hot springs, outdoor activities and geologic formations. 

8. Moldova – With 28.6% increase in tourists, the country continues to attract more tourists every year. Interesting places of visit include food, wine, nightlife, monuments, nature and parks. 

9. Chile - The important places of visit in Chile include Cerro San Cristobal, Los Pinguinos Natural Monument , Easter Island, and Lauca National Park.

10. Vietnam – There are plenty of locations to visit in Vietnam. They include natural landscapes, quite villages, war museums, ancient citadels and colonial structures.

11. Japan – Japan continues to attract tourists from all over the world due to its advanced technology and ancient traditions. There are many temples, places and parks to entertain all kinds of tourists. 

12. Liechtenstein – Even though Liechtenstein is not a country but a principality, it acts as an independent state. It is in between Austria and Switzerland. It has scenic beauty and quiet attractions.

13. Kuwait – The top tourist attractions in the country include liberation tower, Seif Palace. You can explore the ancient culture in Kuwait. The country offers something for every traveler.

14. Cyprus – The country offers fascinating museums, galleries, monuments and other places of cultural heritage. You can figure out Greek and Roman ruins and nightlife. 

15. Georgia – you can explore the country on a horse back. The city has great architecture and history beauty. You can find more than 400 civil war sites. 

16. Turks & Caicos – The place is apt to plan and execute various kinds of activities. You can find natural reserves, historical sites and sanctuaries. 

17. Cook Islands – you can explore whales and wildlife in this country. It is the best place to enjoy white sands, palm trees and warm water. 

18. Slovakia – It is a forested piece of land. You can explore chasms, gorges, waterfalls and ravines. You can find the largest wine cellar in Central Europe.

19. Kenya – The attractive features include coral reefs, and beautiful beaches. You can explore various activities including surfing, snorkeling, and deep sea fishing. 

20. Tanzania – The popular tourist attractions of the country include game reserves, national parks, and wild habitat. You can find African Safari in Tanzania. 

Conclusion 

You can visit the top destinations of the world with prior planning and cover the risk with best travel insurance policy. You are advised to Compare Travel Insurance plans offered by various companies so that you will settle for the best plan. The travel insurance premium should be affordable and it should let you manage medical, travel and other risks in the best possible way. The claim settlement ratio and customer support will also influence your decision and you can manage hassle-free holiday!

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Wednesday 24 January 2018

Tips to Make Gap Year Travel Work for You

A gap year travel will have a great impact on your career. The gap year will let you think about yourself, family and other responsibilities in a different way. You will be able to find sufficient time to relax and plan your life in the most efficient manner. The self-assessment is crucial to find out the achievements that you have made so far and the goals that you would like to achieve in the coming days! You should use the time wisely when you plan for gap year. 

Volunteer abroad 

Sharing and caring is the universal principle. If you get satisfaction by helping others, volunteering is the best option. You can volunteer in a different country to achieve something good for the local community. You will be part of the new culture and tradition. You are advised to choose the activity that you are passionate about so that you can make the most of volunteering. When you visit a foreign land, you should buy travel insurance plan. Student Travel Insurance Plans are affordable and you will get best benefits. 

Work internship 

You can accumulate new work experience by taking up work internship. The payment may be nil or nominal. However, you will get huge push to fulfill your ambition and it will help you switch over to a new career without any issues. 

Move out of your comfort zone 

The gap year should deal with the change. In order to make yourself confident and competent, you should meet new people. You should learn new languages and new skills. If you plan your activities in a proper way, you will not regret in later years. Hence, you should move out of the comfort zone and should try to accomplish new things!

Learn new language 

As you learn a new language, you will sharpen your brain. You will be exposed to new sounds, grammar rules and new culture. The language is a great means to understand the history. As you master new language such as French, Spanish or German, you might get job opportunities as well. 

Learn new skill 

New skills such as music, drawing, design and art will broaden your mind. You will be very much refreshed and it is possible to improve your productivity after the gap year. The new skill will be an additional asset on your CV and it will enhance your job opportunities or promotion at the workplace. 

Space to think

A gap year is a desirable aspect in everyone’s life. It will help you focus on things in a very efficient manner. You will be able to learn new things and unlearn unwanted things in your life. Thus, you will have a better perspective on your life, family, friends, society and country. 

Importance of student travel insurance plan 

Student travel insurance plan covers various kinds of risks such as emergency medical charges, dental treatment expenses, accidental death benefit, medical evacuation, trip delay, loss of passport, loss of passport, personal liability, bail bond and many other risks. You can go for Travel Insurance Claim if you face any difficulty in a foreign land. 

Best travel insurance plans

When you subscribe to the best travel insurance plan, your travel as well as health-related issues is covered prominently. The loss of travel documents and baggage will be insured. Hence, you can accomplish your short-term or long-term stay in a comfortable way by choosing the best travel insurance plan. Student Travel Insurance Plans are available from reputed insurance companies. You can customize a policy as per your needs so that you can make the most of your insurance premium. 

Bajaj Allianz student travel insurance plan 

Quick claim settlement 
Accident to sponsor
Emergency hospitalization/dental pain relief 
Family visit during medical emergency 
Toll-free customer care number 

HDFC Ergo travel insurance plan 

Loss of hospitalization 
Loss of passport 
Emergency family visit 
Policy tenure of 30 days to 2 years
Loss of checked-in baggage 
No prior health check-up required 

Apollo Munich travel insurance plan 

Personal accident cover 
Maternity benefits 
24/7 customer support 
Toll-free number
Legal liability benefit 
Medical assistance with huge network 
HIV cover (if the patient is in the initial stage) 
Loss of checked-in baggage 

Bharti AXA Smart Traveller Student Insurance 

Covers medical check-up expenses 
Dental check-up expenses covered 
Loss of travel documents 
Covers age from 16 years to 40 years 
Affordable premium 
Additional benefits by paying 10% extra premium 

Conclusion 

As you will be exposed to various kinds of risks during the foreign travel, you should go for a comprehensive travel insurance plan. The gap year travel work should give you peace of mind and you should choose the best plan that will help you Travel Insurance Claim very easily.

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Monday 22 January 2018

Quick Guide To Planning A Big Trip With Friends

Group travel has its own advantages. It is possible to explore new destinations as a group and there will be great fun and excitement. Your confidence levels will be very high and you will not feel left alone even though you visit a foreign land. The group holiday will also help you set aside your routine chores and you will be absorbed in undertaking various kinds of group activities. The special package from the travel insurance will save you time, effort and money. The Group Travel Insurance Plans are ideal as they are affordable and you will gain greater benefits. 

Involve everyone - To make the most of group travel, everyone should be involved. The group should chalk out the destination and travel itinerary. The travel plan should fulfill everyone’s needs. By creating fear of missing out (FOMO) apprehension, no one would like to drop from the group holiday. 

Means of travel – The means of travel might be air or water. Long distances can be covered very easily by air travel. You can also plan a cruise trip so that there will be a chance to explore a different kind of journey without any issues. Special travel concessions are offered by airlines and cruise ships for group booking. You can also book cabs or minivans at various locations to cover the road transportation needs. It is possible to subscribe to best Travel Insurance Plans as per your budget and activities. 

Book your accommodation – You can book your hotel or resort as per your plan. There are residential apartments where facilities are provided for cooking as well. As you occupy furnished apartments, you can prepare your own food by dividing the group into various groups. You can also enjoy local dishes served at reputed hotels. The accommodation should be planned for the entire duration of the trip. 

Start saving – If you plan your trip a few months in advance, you can save money on a monthly basis so that there will not be any financial burden. Hence, you should be aware of the travelling expenses, accommodation charges and sightseeing expenses so that you can save easily. 

Get the right credit card – There are certain kinds of travel cards with which you can enjoy a number of benefits. The transaction charges on special Forex cards will be low.  You can consult your local bank which offers travel-friendly cards. The currency of the landing country can be withdrawn very easily by choosing a Forex card. 

Visa and availability – You can arrange a visa for group members very easily and it is possible to process the application very quickly. The respective country will be interested to give warm welcome for tourists as it will increase their foreign currency levels. 

Vaccinations – Some countries stipulate vaccination for foreigners. You should be aware of the information. If you check the travel requirements of respective countries, you can undergo vaccination without fail. You are advised to choose the best travel insurance plans so that your needs are covered in a very efficient manner. 

Shopping – The group planning should include shopping activities. You can find unique and attractive items in certain destinations. There are great memories and you can bring gifts to your friends and relatives as well. 

Sightseeing – The sightseeing offers are many for group travelers. There are some expensive activities; you should plan them as per your budget. 

Pack your baggage – You should prepare a list of items that you should pack for your holiday. Protective clothing and additional gear should be procured to manage various kinds of activities without any issues. 

Group travel insurance policy benefits  

As there are many group travel insurance companies in India, you should compare the best policy as per your group needs. There are international as well as domestic group travel insurance policies. The premium is in proportion to the type of policy and the coverage.

Single and multi-trip - There are single-trip as well as multi-trip group travel insurance policies. 
Medical costs - The emergency medical costs are borne by the group policy 
Trip cancellation - The cancellation or alteration of the trip will be covered by travel insurance plans. 
Loss of documents - There will be a cover for key documents such as a passport. If your insurance has cover against the loss of passport, you will get a new passport very easily. 
Legal assistance – If you are caught in a foreign for a crime, the legal assistance will be covered by the travel insurance policy. 
Loss of baggage – If there is a loss of checked-in baggage the bag search process will be initiated. Even though you lose the items, the insurance company will pay the compensation as per the policy wording. 

Conclusion 

You can plan and execute group travel in a very efficient manner with the help of the tips offered by experts. The quick guide will also help the first-timers for better planning. Group Travel Insurance Plans are affordable and you can make the most of your investment!

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Friday 19 January 2018

Why you should opt for a domestic travel insurance policy?

We all like to travel. Travel away from our daily routine-oriented life, to a place which is new and exciting, with our loved ones. But have we ever thought of insuring our travel?

While making the payment for our flight ticket, an option of travel insurance appears on the screen, which we just don’t pay heed to and skip to the payment section. The question, though, always lingers, ‘Is it so necessary to get your travel within the country insured?’ We know and understand travel insurance so we get our travel abroad insured but not our domestic travels. Domestic travel insurance policy is equally important as it covers many hitches that may come in your travel.

Reading further, you will understand as to why you should opt for a domestic travel insurance policy

Domestic travel insurance has some very important features attached to it, which one should thoroughly know about:

Loss of Baggage

Reaching your holiday destination without any of your possessions is depressing. While travelling, it may happen that you lose your baggage or your baggage gets stolen. The travel insurance covers such situations by providing you with a compensation for the amount of money you spend to restock your lost items.

Medical Expenses

If by any chance one falls sick when he is on his vacation and unfortunately needs hospitalization or medical attention, then the domestic travel insurance can come very handy. As it will help you save a lot of money on treatments anywhere within the country.

Emergency Medical Evacuation

The money that is spent in travelling from one destination to another during an emergency is covered by travel insurance. If the place you are on holiday does not have a well-equipped hospital then you need to be taken to a big and advanced well-equipped facility where a good amount of your money can be spent.

Benefits on Adventure Sports

Bungee jumping, rappelling, river rafting, paragliding... and the list goes on. More and more people look forward to such adventure sports while on holidays. Though these sports are exciting and fun-filled, they involve a lot of risk. The travel insurance covers any kind of accidents that may occur while enjoying such activities. 

Protecting your Home 

This is one of the extensive features provided by travel insurances. This will cover any damage done to your property due to theft or robbery while you are on a vacation. This feature of travel insurance is exceptionally very beneficial as it protects your home while you are far away as well as covers your travel.

Missed Flight

In the event that the vehicle in which you are travelling to the airport breaks down or meets with an accident, and consequently you miss your flight, then the reimbursement for the flight ticket can be claimed under this travel insurance. There are certain terms and conditions attached to this, which you should check and understand before taking up the insurance.

Missed connecting flight or train

If there is any kind of delay in your journey which results in you missing your connecting flight or train, then the amount of money spent for the connecting journey ticket is reimbursed by the travel insurance. This is one of the most considerate and travel friendly feature of this policy.

Curtailing the Trip

While on vacation, if there is any kind of family or personal emergency, then you would have to cut short the duration of your trip. The travel insurance comes in such situations too as our money saviour and reimburses the money of the ticket of our unexpected and unanticipated journey back home. This plan does not cover any work-related emergencies.

Cost of Accommodation

During your travel, it may happen that your flight gets delayed. In such situations, if the airline does not cover for your accommodation, then your travel insurance can come to your rescue. The policy documents do provide the list of places where you can find accommodation under such situations. There are some sub-limits set as to how much one can claim for.

Accidental Death or Dismemberment

While travelling, if there is any kind of accident wherein the insured person loses his life, then the nominees can ask for a claim, which is much lesser than the life insurance policy. In case of dismemberment too compensation is provided.

After understanding all the various features of domestic travel insurance, we can conclude that while we excitedly get ready for the adventures and pleasures of our journey, we should also get ready for the events which are unforeseen or unexpected. Such factors may kill the fun of our travel. Hence, insurance brings security. The domestic travel insurance policy deals with such situations and helps us in many ways. Travel safely with travel insurance handy. 

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Thursday 18 January 2018

What do I need to keep in mind in case of hospitalization during my travel abroad?

Overseas medical travel insurance covers hospitalization expenses.  When you are admitted to a hospital during your stay in abroad, you should inform the insurance company immediately. The doctor associated with the insurance company will discuss your medical condition with the doctor who is offering the treatment. The travel insurance company should get confirmation that the hospitalization is not related to the pre-existing condition or the conditions that are present in the exclusion list. The insurance will settle the payment with the hospital directly. 

Features of travel health insurance 

The travel health insurance is different from other kinds of insurance plans. The plan focuses on emergency medical procedure or hospitalization. It will cover the evacuation as well. 
If you met with an accident or become sick in abroad, the medical costs will be borne by the insurance company. 
The medical insurance will cover the ambulance charges and airlifting charges as well. 
In most of the cases, the emergency dental treatment will be included in the health insurance. 
If you are located in a remote area, emergency evacuation will be done. You will be transported to an area where you can get medical treatment. 
If you die on your trip, the mortal remains will be sent to your country. 
Some travel health plans cover Accidental Death and Dismemberment (AD&D) benefits and they will be paid regardless of the coverage you have in your home country. The coverage will add additional benefit to your family. 

Locating healthcare providers 

If you are very sick or met with an accident, you should consult the Indian embassy immediately. The official at the embassy will help you in finding the medical service centers. 
The hotline provided by the insurance company should be contacted by which you will be connected to an assistance center. 
You can also go through the ‘yellow pages’ of the local telephone book to get information about the list of doctors and hospitals. 
The initial treatment will be offered by the hotel or resort doctors. You can also collect information about doctors from the recommendations of locals. 

Documentation 

To expedite the Travel Health Insurance claim, necessary documents should be sent to the insurance company by email or fax. 

Filled-in claim form signed by the doctor and the policyholder 
Name, address and contact details of the local doctor in India 
A signed copy of Release of Medical Information Form (ROMIF) – The form will authorize the treating doctor and the local (family) doctor in India to share your medical information with the Insurance Medical Assistance Department.
The medical report prepared by the treating doctor 
Estimation of medical expenses
Date of travel from India
Domestic health insurance policy details (if any) 
Copy of passport with exit stamp from India and entry into the foreign country 

By submitting the above-mentioned documents to the insurance company will help the medical assessment department to assess the claim. The company will confirm the claim process if the requirements are fulfilled by the policyholder as per the agreement. 

Medical coverage 

If you are covered by a Travel Health Insurance plan, your hospitalization expenses will be covered by the insurance company. You will be able to manage the emergency medical treatment very easily with the assistance provided by the insurance company. 

It is very much desirable to have an exclusive travel insurance plan so that all your medical expenses are covered properly. The emergency medical coverage and medical evacuation will be done by the company. Most of the medical insurance plans cover accidental death, permanent total disablement, dental treatment, personal accident, and medical expenses including repatriation. 

Precautions before leaving abroad 

You should take certain precautions before leaving abroad so that you can manage the medical emergency very easily. The healthcare contact information should be collected from the insurance company. 

If you are not familiar with the country of visit, you should collect information online. You should go through the authentic medical and health insurance information so that you can implement the best course of action during an emergency. 

Some countries warrant vaccination before leaving India. Hence, you should figure out the requirement of vaccination. 

If you are suffering from pre-existing diseases, you should carry a letter from your doctor. The letter should describe your medical condition and medications prescribed to safeguard your health. The generic names of those drugs should be mentioned in the health certificate. 

Conclusion 

As soon as you are admitted to a hospital due to sickness or accident, you should inform the insurance company. The insurance company will provide assistance as per the terms and conditions provided in the Medical Travel Insurance plan. The insurance company will process your claim and you can manage a relaxed trip. You will get access to a local person who knows the local language and further assistance and guidance will be provided by the local person. Thus, you will be able to deal the situation very easily while traveling abroad.

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Tuesday 16 January 2018

When Should I Buy Travel Insurance?

Travel insurance covers various kinds of risks such as loss of baggage, cancellation of trip and medical treatment. There are various issues which may surface ‘out of the blue’ and they may drain your pocket or lead to bankruptcy. If you pay a little premium, you can cover travel-related risks in a very efficient manner. There are various kinds of travel insurance policies which can be selected as per your needs. If you go for a group insurance plan, the premium will be low and there will be many benefits. 

Types of insurance plans 

You can go for various kinds of insurance plans as mentioned below:

Individual travel insurance plan
Student travel insurance plan 
Family travel insurance plan 
Senior citizen insurance plan 
Corporate travel insurance plan 

Features of insurance plans 

Emergency medical coverage – You can cover the emergency medical expenses with the help of travel insurance plans. There are various kinds to cover new-born babies, children, and adults. By choosing a group insurance plan, you can reduce the premium and you can get maximum benefits. 
Emergency evacuation – If there is an emergency medical evacuation, the expenses will be reimbursed by the insurance company. 
Personal accident – As you Buy Travel Insurance, accidental death and personal total disability will be covered by the insurance plan. 
Loss of baggage – If there is a loss of accompanying baggage, there will be a great risk. Hence, you should buy a policy which covers all kinds of expenses that arise from the loss of baggage. If you report the loss of checked-in baggage, every attempt will be made by the insurance carrier to trace out the lost baggage. The luggage will be delivered to your doorsteps. If the luggage is lost, the replacement cost will be 
Loss of travel document – Loss of travel documents such as passport and affidavits will land you in trouble. Hence, you should choose the most appropriate plan to cover travel documents as well. 
Trip cancellation/trip delay – There will be huge financial loss due to delay or cancellation of the trip. These expenses will be covered in the best possible way by subscribing to the most appropriate insurance. Hence, there is immense Need Of Travel Insurance to take care of your financial needs in the best possible way. 

Buying a travel insurance 

You should ensure that the purchase of travel insurance should be done on a priority basis. You can Buy Travel Insurance as soon as you deposit money towards the trip. 

In order to ensure the coverage of the trip, you should choose the insurance plan within 10 to 14 days. You are advised to buy the travel insurance cover immediately after the trip deposit so that the insurance plan will be effective. Even though you make changes to the trip or cancel your trip, your losses will be borne by the insurance company. 

You are advised to collect basic information about the journey. The insurance premium is based on various factors including age, location, number of members, and activities at the new place. If there is involvement of adventurous activities, you will want to pay a higher premium. 

Before buying an insurance plan, the level of cover should be assessed. You should not go for underinsured or over insured policy. If you go for underinsured policy, the out of pocket expenses will increase. If you go for over insured policy, the premium amount will be high and it will not be cost-effective. 

Declaration 

You should choose an individual, group or family policy as per the feasibility. You should get extensive information about various kinds of policies. The Need Of Travel Insurance will arise when you undertake domestic or foreign travel. 

You should choose a policy from an insurance company that manages best claim settlement percentage. A reputed insurance company offers various riders to cover a wide range of risk factors. Thus, you will be able to make the most of your money. The travel insurance premium should not be considered as an expense. 

The following risks are covered by the insurance policy:

Cancellation of the trip
Cancel due to work reason 
Pre-existing medical conditions 
Natural calamities (varies from company to another company) 

If you buy travel insurance early, you can cover plane tickets which are purchased later. If the travel cost is less than the coverage offered by the insurance plan, you will get a partial refund from the insurance company. The changes to the policy should be done to get a refund. 

Conclusion 

You should buy the travel insurance plan as soon as you make the initial trip payment. After assessing the total expenditure and comparing various insurance plans, you can buy travel insurance online. The little premium will save you great fortune and you will have absolute peace of mind by subscribing to the best insurance plan. 

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Monday 15 January 2018

What You Need To Know About Student Travel Insurance?

Student travel insurance gives protection from accidents, theft and illnesses. If you are planning for studies in abroad, you should possess international student travel insurance. The insurance plan enables you the payment of medical bills, hospitalization expenses and other expenses. Students can avoid large financial losses can be avoided by possessing the best student travel insurance plan.

Is it necessary?

The cost of medical treatment in abroad is very high. The student travel insurance will help avoid major financial stress. The insurance plan will also cover medical emergencies, flight cancellation & curtailment, loss of personal possessions, sports activities, accident to sponsor, family visit and 24-hour emergency assistance. 

If your plan includes ‘bail bond’ rider, you will get bailout amount when you are arrested under for bailable offense in a foreign country. If you are buying a student travel insurance policy in India, you should ensure that the policy is accepted by the overseas university. You can get an online policy instantly from top insurance companies in India and the travel insurance plan is issued at the lowest premium. 

What is covered by the insurance plan?

You should choose the student travel insurance policy as per your needs. You are advised to compare various travel insurance policies offered by different insurance companies in India. You can get additional information about the plan from the insurance provider. It is possible to buy the best product online at best premium so that you can save time and effort. The travel plan will cover the risk so that you will have great peace of mind and you can focus on studies without any issues. 

Medical expenses (due to accident, sickness, disease and death)
Expenses involved in transportation of the dead body or burial expenses 
Evacuation to India due to medical emergencies 
Dental surgery due to injuries on the current stay 
Compensation due to permanent dismemberment or death due to accident 
Loss of passport (the cost involved in procuring the new passport is covered)
Loss of baggage due to mistake committed by the carrier 
The amount spent on return flight ticket towards the family members who are on a visit to see you 
Amount paid towards bail in case of apprehension by judicial authorities due to a bailable offense. 
Tuition fee reimbursement due to discontinuation of education on medical issue
Reimbursement of tuition fee on death of sponsor  

What is not covered by the insurance plan?

The student travel insurance plan comes with certain exclusions. They are mentioned below:

Suicide
Mental disorder
Depression, stress and anxiety
Alcohol or drug abuse
Venereal disease 
HIV/AIDS

The travel insurance will not apply under the following circumstances:

Registered or undergoing a medical treatment 
Travel abroad to get medical treatment 
Suffering from terminal disease 
Baggage lost due to negligence (or not reported to police)
Damage or loss of checked-in baggage 
Situation that arises due to war or nuclear threat 

What are the important factors?

Age- If your age is in between 16 and 35, you are eligible to buy student travel insurance plan. 

Affordability - If you buy policy in India, it will be cheaper than a policy bought in a foreign country 

Mandatory - Health insurance plan is mandatory for most of the universities in foreign countries. 

Better policy - You are advised to buy a student travel insurance plan which is far better than the health insurance plan offered by the foreign university. The travel insurance plan purchased in India covers better and the premium will be low. 

Get refund - The premium is included in the tuition fee collected by the foreign university. If you have subscribed to a travel insurance plan in India, you can get a refund from the university. 

Renewal - The policy can be renewed automatically so that your stay will not be disrupted. You can buy extension policy in advance by using the online facilities. 

Compulsory coverage - You should be aware of the specific mandatory risk coverage against drug abuse, mental disorder, alcoholism, pregnancy, mammography, cancer screening and sports injuries. 

Pregnancy - The pregnancy and childbirth are not included in the travel insurance plan. There are certain exceptions to deal with emergency situations. However, the age of the woman should be less than 38 years and pregnancy should be less than 38 weeks. 

Discontinuation of studies - Certain conditions warrant the student discontinuation of studies. The death of sponsor, loss of family member and hospitalization of the candidate due to accident or illness will be covered by the insurance plan. The student will get the tuition fee as the risk is covered by the insurance plan. 

Conclusion 

If you are studying alone in a foreign country, it is wise enough to go for student travel insurance so that uncertainties will be covered in a very efficient manner. The travel insurance will cover various contingencies and it will minimize your expenses. 

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Friday 12 January 2018

Travel Medical Insurance for International Travelers

International travelers will go through various kinds of risks. The medical costs in foreign countries will be very high. By paying a small premium, you can cover a wide range of sicknesses by the insurance plan. If you go for travel medical insurance, you can cover health as well as travel-related issues in a very efficient manner. The unexpected events will be covered by the insurance plan so that you can avoid financial distress in the best possible way. You can make your travel itinerary foolproof by including the travel insurance.

Features of the best travel insurance plan

The features offered by an Overseas Travel Insurance will make a difference in your stay in a foreign country. You should ensure that required features are included in the policy and unwanted features are removed from the policy.

·        Period of stay - You should consider international travel insurance plan when you are staying abroad for a brief period of time. The stay can be anywhere between one week and one year. Even if you plan for few days, you can go for a customized policy so that various kinds of travel and health-related issues are covered prominently.

·        Personal or business trip - Whether you are on a business trip or personal trip, you should consider

     Medical Travel Insurance to compensate losses in the best possible way. The overseas insurance is recommended even though you manage a health policy at home. The coverage offered by the domestic policy will be very low.

·        Single or multiple trips – There are health plans to cover single or multiple trips. A multi-trip health insurance plan is affordable and the coverage will be extensive.

Selection of travel insurance plan

The Overseas Travel Insurance plan is different from the trip insurance. The travel insurance provided by one company will be different from another company. In fact, there are multiple policies from a single insurance company. You are advised to go through the policy comparison chart to settle for the best as per the features, premium and claim settlement procedure.

·        Policy comparison - As you compare insurance plans from top insurers, you will come to know the important features. There are travel plans at the lowest premium and you can get a policy online as well.
·        Coverage – The travel insurance covers various parameters including medical emergency & hospitalization, travel & accommodation, legal liability & expenses and compensation for flight delay and loss of baggage.

·        Selection as per the destination – The insurance policy should be as per the destination. In some countries, the hospitalization costs are very high. Hence, you will want to pay a higher insurance premium.

·        Age factor – The insurance premium will be high as you age. Senior citizens can go for a policy that covers pre-existing illness.

·        Claim settlement ratio – The percentage of claims settled by the insurance company will make a difference. If the settlement percentage is high, you can go for the plan confidently.

·        Purpose of travel – The insurance cover should be selected as per the purpose of stay. If you are undertaking adventurous sports, you will pay a higher premium.

Best travel insurance plans

The best Medical Travel Insurance will cover various issues that are associated with your travel, health and activities. You are advised to go for the customized plan so that there will be maximum coverage and out of pocket expenses can be minimized.

Apollo Munich Travel Insurance plan

  • ·        Eligibility – 6 months to 70 years
  • ·        Medical assistance
  • ·        Loss of baggage
  • ·        Covers hijack distress
  • ·        Covers personal accident (including death)
  • ·        Trip delay or cancellation expenses
  • ·        Loss of travel documents covered under the plan
  • ·        Should go for additional rider to cover adventurous activities
  • ·        No medical check-up required


Bharti AXA Travel Insurance

  • ·        Eligibility – 3 months to 60 years
  • ·        Medical evacuation
  • ·        Personal accident (including death and dismemberment)
  • ·        Loss of travel documents
  • ·        Flight delay/cancellation
  • ·        Loss of checked in baggage
  • ·        Pre-existing condition not covered
  • ·        No medical check-up required


Bajaj Allianz Travel Insurance

  • ·        Eligibility – 1 day to 75 years
  • ·        Hospitalization expenses
  • ·        Emergency cash in foreign country
  • ·        Covers trip delay/cancellation
  • ·        Personal liability
  • ·        Loss of baggage
  • ·        Accidental death
  • ·        Mental disorder not covered
  • ·        No medical check-up required


HEFC ERGO Travel Insurance

  • ·        Eligibility – 6 months to 70 years
  • ·        No medical check-up required (if you are under 70 years)
  • ·        Emergency medical expenses
  • ·        Covers dental treatment
  • ·        Personal accident coverage
  • ·        Flight delay
  • ·        Loss of baggage/passport
  • ·        Covers flight hijack
  • ·        Pregnancy, childbirth and abortion are covered by additional premium


Conclusion


An Overseas Travel Insurance plan will cover various unforeseen events in the foreign land. The insurance will manage a network of hospitals and logistic support with international partners. Hence, you will get quick assistance when you choose the best insurance policy offered by a reputed insurance company. You can pay a premium in Indian currency and get benefits in foreign payments.  

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Thursday 11 January 2018

Things to Bring on a Road Trip

If you are planning a road trip, you should pack essential items for a trouble-free ride. You should double check the following items so that you can undertake your journey with absolute confidence. While bags, clothing, snacks, navigation aids are essential, you should not forget the subscription of Travel Insurance Plan as well. The following tips will help you make the most of your road trip:

Safety 

The safety of driver and passenger should be the top-most priority. If you are driving the vehicle all through the trip, you should manage solid sleep on the previous day. Emergency road assistance kit, the portable charger should be readily available so that you can manage various interruptions very easily.

Vehicle insurance 

 If your vehicle is covered by a proper insurance plan, you will be able to contact the insurance company during breakdown or emergency. The contact number of the insurance company should be readily accessible so that you will get quick help. The roadside assistance, towing, alternate vehicle arrangement and accommodation are some of the features covered by the best vehicle insurance plan. 

Luggage 

You are advised to use soft bags so that the bags can be arranged and the boot space can be used very efficiently. The bags should be organized as per your convenience. One bag should all the essential items that can facilitate the overnight stay. The second day’s clothes can be packed in a different bag. Each member of the group should have a small backpack so that snacks and essential items are readily accessible. 

A nylon bag with zipper closing can help you carry the bag very easily. The bag should contain a number of pockets to facilitate easy organization of items. 

If you are undertaking hiking, trekking or special activities, the items that are relevant to the activity can be stored in a separate bag. 

Clothing 

The dirty items can be stored in a drawstring laundry bag. If you have access to laundry system wash bag, you can accomplish laundry on the road. Loose and breathable clothes will let you breathe easily during summer. On the other hand, you should wear sweater, muffler, monkey-cap and shawls during the winter season. To get the best protection in the rainy season, you should not forget the inclusion of umbrella and raincoats as well. 

Food 

Nutritious and energy-giving snacks should be readily accessible in your backpack. You may not have access to your favorite snacks when you are on the road. Hence, you will want to bring them from home so that you will save money as well. The cleaning can be accomplished with wet wipes very easily. Liquids and melting items should be avoided unless you bring tight containers and be able to manage them at the required temperature. Non-toxic and eco-friendly Tupperware containers can be used to store liquid items. Nuts and dry fruits can be accommodated in your snacks very easily and they can be preserved for a long period of time. 

Navigation 

If you are going through the unfamiliar territory, you should have access to the navigation system. Your GPS-enabled mobile phone or in-built navigation system in the car should facilitate trouble-free ride. In some cases, the electronic items fail to perform. The battery drain, loss of phone signal should not interrupt your road trip. You are advised to bring a printed map of the location and manual compass for better guidance. You should Buy Travel Insurance to cover travel-related risk factors. 

Music 

To entertain your body and mind, you can play music. If you can manage the latest album, you will be absorbed in music and there will be a great refreshment of your mind as well. The music will also ensure that the driver will not sleep and it can prevent road accidents. 

Games 

You can download creative games exclusive to the travel so that there will be great entertainment in the vehicle. It is also possible to depend upon non-electronic devices as per your needs. 

Shoes 

Sandals, slip-on and dress shoes should be packed and used as per your needs. You should not forget to give rest to your feet by removing shoes completely as per your comfort level. 

Sunglasses 

You will want to wear sunglasses to protect your eyes from the sun’s harmful rays. The glasses will also help you drive very efficiently during the day and night. The anti-glare functionality will also help you and you can prevent eye strain. 

Books 

Audio or printed books are a great means of relaxation. You can make the most of your time and learn new things by reading new books. 

Cash and cards 

You should have access to cash and debit/credit cards so that you can manage your expenses very easily.

Conclusion 

To enjoy a hassle-free road trip, you should plan the itinerary and should pack essential very carefully. The best Travel Insurance Plan will also help you make the most of your holiday and you will have great peace of mind!

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