Tuesday 13 February 2018

International Travel Tips to Know Before Heading Abroad

Planned a trip to Cambodia? Got everything ready? You might need to check again! Travelling across international borders is extremely exciting as you have a whole new world to explore and study about. But there are many things to consider before your flight takes off. We have a few tips for you to make your trip turbulence free. Read on! 

Research
Research is the first step to anything, we mean anything. You do not even buy a phone without proper research. It is extremely important and of value while planning to travel abroad. You do not know the local culture and setting of an internal destination, you always need to find out what works and how it works out there in a different world for your own safety and for the purpose of not offending the locals. It is rude to tip a waiter in the country of Japan and the waiters in United States thrive on monetary tips. You know what just happened? You benefited with this knowledge by research on international travel. Research is very important to avoid or adjust to cultural shocks. 

SIM
You might plan on not calling anyone during the course of your vacation as you want peace and solitude. But, my friend, you need to at least have an international SIM for use in case of emergencies. Find out about international SIMs or international package plans for your own safety. 

Money  
Well, money matters! Aren’t we all, from childhood, told to mold our lives in such a way so that we can earn some valuable pieces of paper. So, while traveling, it is obviously the most important thing to have for your daily functioning and survival at a foreign destination. Make sure you already have the currency of the currency you will be travelling to, get it exchanged well before you leave for your destination as you will be needing the local money as soon as you will land in the unknown land to pay for food, taxis, etc. It can be risky and difficult to go to the country and then exchange or buy the currency.

Insurance 
This is the most important thing to have when travelling to an international destination. Why you need it, you ask? Well, here’s why!

Travelling abroad is fun but an extremely uncertain event which makes it very risky. Getting travel insurance makes it a bit safer as you might encounter a lot of unfortunate and unforeseen risks at foreign or unknown destinations. During the course of the trip, you might get lost or you might get stuck at some place in case you are on an adventure sports vacation and might need to be rescued through rescue operations to get you out of that place safely. The travel insurance policy will cover the costs of the rescue, the hospital treatment in case of injuries sustained on the adventure and your safe return to your home and the transportation needed for it. Compare Overseas Travel Insurance to get the best benefits while travelling. Buy travel insurance to have a tension free trip abroad. 

While traveling abroad, few of the most important documents that you have on you are your passport, visa and other travel documents. If they are lost while travelling, it becomes a huge problem and might even land you into legal troubles if the theft or loss is not informed to the authorities. Your country’s embassy will work on getting you a temporary passport for your stay and return and the travel insurance policy plan will provide you financial help when you have to get your ETD - Emergency Travel Documents which will cost you some money. All the costs including the cost of the emergency travel documents are covered by the travel insurance company so that you are not stranded in a foreign location without any identification of yourself and land yourself in legal trouble. 

Another very important reason you need to have travel insurance for international destinations is because human health is uncertain, you never know when you will be falling sick during a trip, which is probably one of the worst things to happen when you are vacationing or working abroad. It is the best to compare Overseas Travel Insurances beforehand when planning.  Being away in a foreign land, you do not know much about the medical expenses there and how much it would cost and it is dangerous when going to a country with high health care expense such as the United States; you can absolutely not take any chances. 

The travel medical insurance will cover for your medical bills in case you get ill in an international destination while travelling and are in need of any medical attention with treatments or surgeries such as emergency dental surgeries. Travel medical insurance policies are very important while travelling to a destination in a large group or with your family or alone, especially if it is an international destination where you are uncertain about the healthcare. In case of any emergency like evacuation or shifting to a better medical facility, the insurance policy will also look after that. Buy travel insurance and be hassle free. Follow these tips and have a smooth and enjoyable travel to international locations. 

For more info and news visit PolicyBazaar Google+ Profile

Monday 5 February 2018

Importance of Student Travel Insurance

Education in a prestigious university or institution in a foreign country will enhance your career growth. Many young students are able to fulfill their dreams by pursuing the best educational courses in a foreign land. Your education and career prospects should not be deterred by any means. The unexpected risks in various forms should be covered by a comprehensive student travel insurance plan. You should Get Student Travel Insurance as it is mandatory for many foreign universities. Further, you can protect your interests in the best possible way by choosing the most appropriate insurance policy. 

Benefits of student travel insurance 

Tuition fee – The insurance company will repay the tuition paid to the university or educational institution as per the terms and conditions mentioned in the insurance plan. If you paid tuition fee advance, you will be benefited by the insurance plan. 

Accident coverage of sponsor – If your education is sponsored by another person and something goes wrong with the sponsor, the insurance company will let you continue your studies. The student travel insurance policy can be claimed by the policyholder so that the tuition fee and other expenses will be paid (as per the policy wording) by the insurance company. 

Loss of baggage or passport – The loss of baggage or travel documents should not land you in trouble. The insurance company will come to your rescue and you will get monetary compensation towards the loss of baggage. If you lose your passport, the insurance company will make arrangements to get a new policy. 

Trip cancellation – The planned trip might be canceled due to valid reasons. These uncertainties will be covered by the best travel insurance policy. 

Violent situation – You might be injured due to violent protest. When you buy a travel insurance policy, the risks are covered by the policy and there will be a quick financial relief for the policyholder. 

Family visit – If the student suffers from serious illness or accident, the insurance company will pay the travelling expenses for the accompanying person. 

Personal liability – If you break laws in a foreign land due to ignorance or some other reason you might want to pay hefty penalties. The personality liability clause will protect your interests and the insurance company will cover the financial damages in a very efficient manner. 

University requirements – The student travel insurance policy should be bought as per the provisions of the university. The policy should fulfill the criterion of the university. If you buy a student travel insurance plan in India, you can apply for a waiver form so that the amount paid to the university towards insurance will be refunded. You can get more information from the official website of respective universities. 

Support service – The insurance company will offer the best assistance in various aspects. It will manage a network of hospitals where cashless treatment will be provided. Paying hospitalization and treatment costs in foreign currency will be enormous amount and it may drain your chances of the continuation of education in the foreign land. The insurance company comes to your rescue and you will be able to overcome unfavorable and hostile conditions in the best possible way. The student travel insurance policy will cover various risks so that you will have absolute peace of mind. 

Deductibles – As you buy student insurance plan from a reputed insurance company, you should be aware of the deductibles on the insurance policy. Deductibles are the amount that should be borne by the policyholder. 

Buying an insurance policy in India 

There are various insurance companies offering Travel Insurance For Students. You can buy a travel insurance online or offline from Indian insurance companies. The insurance premium can be paid in Indian rupees and the benefits can be obtained in foreign currency. 

There will be great savings by buying a travel insurance policy in India. If you would like to buy an insurance plan in a foreign country, you will want to pay 3 times the premium amount that you pay in India. Hence, it is advisable to pay the premium in India to make the most of your money. 

Coverage of medial and travel benefits 

You can Get Student Travel Insurance in India that covers the medical as well as travel benefits. If you buy an insurance policy from the university, it will cover medical risks that take place on the university premises. 

Conclusion 

It is advisable to have a comprehensive student travel insurance policy to make the most of your investment. The travel or health emergencies will cost you much. Hence, you should choose the best policy offered by a reputed insurance company. The service in terms of information and claim settlement offered by the insurance company will make a real difference. Hence, you should do your homework to buy the best student travel insurance policy in India to protect your financial interests. 

For more info and news visit PolicyBazaar Twitter Profile

Make the Most of Your Shopping Trip to London

You can manage the best shopping in London which is apt for designer clothing, unique items, specialist food and antiques. As you visit popular departmental stores, you can catch latest fashion and innovative home wares. There are small niche stores all over the city. Designer furniture, home-wares and gifts can be found in Marylebone High Street. You can plan your visit with a guide as it will help you choose the right destination as per your budget. You will save time and it is possible to derive best shopping experience!

Prominent shopping locations 

Oxford Circus – If you are focusing pure shopping, you should get down at the intersection of Oxford Street and Regent Street. The chains will change the stock on a regular basis so that you can find various kinds of items very easily. Even though you will want to go through the crowded street, it is a worthwhile option. You can also find the largest fashion store, TopShop. 

Harrods – The famous departmental store is located outside the Knightsbridge tube stop. Tourists, fashion-savvy people and wealthy people visit the location. You can find the giant food hall which helps you refresh in between shopping. You can buy attractive bags, shoes and chocolates. You will admire various items and it is easy to spend at least one hour for simple window shopping. 

Selfridges – The departmental store on the Oxford Street presents trendy items. You can shop for designer labels, quality eateries and high-quality food items. 

Harvey Nichols – It is located at the Knightsbridge and the place presents designer labels for men, women and children. You can shop home wares and accessories. The food hall is ideal for lunch. 

Bond Street – The Bond Street is ideal for designer shopping. You can figure out big designers, auction houses, jewelers and various brands including Cartier, Louis Vuitton, Aspery and Hermes. 

Covent Garden – if you are looking for new fashions and would like to spend more, you can visit Covent Garden. Most of the chains present in the area are in the lines of Diesel or Miss Sixty. 

Benefits of overseas travel insurance plan 

There are many benefits associated with the overseas travel insurance plans. You can Buy Overseas Travel Insurance Policy online after comparing the best policies from various insurance companies. You should be aware of the exclusions such as expenses arising out of drug abuse or alcohol, self-injury and suicide. 

The benefits are listed below:

Emergency hospitalization expenses 
Medical treatment 
Repatriation expenses
Emergency dental care expenses
Accidental death and dismemberment 

Best Travel Insurance Plans

You should choose the best travel insurance plan as per your budget and coverage of risk factors. The policy can be customized as per your needs. When you choose the best plan, you can shop in the streets of London with absolute peace of mind. The travel insurance covers your stay in London. It will include pre and post hospitalization expenses as per the terms and conditions mentioned in the plan. 

Bajaj Allianz Travel Insurance Plan 

In-house international toll-free and fax numbers
Covers hospitalization expenses 
Loss of baggage 
Trip cancellation and trip curtailment is covered by the plan 
Quick disbursement of claims 
Insurance plans for students and senior citizens 
Award-winning general insurance company 

TATA AIG Travel Guard 

The travel guard insurance plan by TATA AIG will cover your worries. All your belongings, journey and medical expenses are borne by the insurance plan. You can get the best deal from the reputed insurance company. 

International travel insurance policy 
Accidental death and dismember benefit 
Bounced hotel or airline booking 
Flight delay 
Trip cancellation 
Home burglary 
Baggage delay benefit 
Sickness medical expense reimbursement 
Minimum sum assured $10,000 and maximum sum assured $25,000

Royal Sundaram Travel Insurance 

You can get policy in 5 minutes 
24/7 dedicated helpline 
Attractive premium rates 
Cashless hospitalization abroad 
Medical repatriation 
Lost baggage and lost passport assistance 
Embassy referral service
Exchange rate information 
Single trip/multi-trip coverage 

Religare Travel Insurance 

Offers complete support for travel and non-travel related issues 
Covers hospitalization expenses
Daily allowance of $25 per day (max 5 days) 
Sum insured € 30,000 & € 100,000
Age band – Day 1 to unlimited age 
Common carrier accident death 
Medical evacuation 
Double sum insured for accidental hospitalization 

Conclusion 

The medical expenses in London will be very high. You should insure the travel-related risks and other factors by choosing the best travel insurance plan so that the journey can be completed in a very confident manner. As there are various plans offered by different insurance companies, you should choose the best plan after comparing different plans. The insurance company that offers best claim processing, customer support and affordable premium should be selected. 

For more info and news visit PolicyBazaar Linkedin Profile