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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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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Cheap Travel Insurance: 5 Tips to Find the Best Deals

While travel insurance protects your interests to the maximum possible extent, it should be affordable. When there are various kinds of policies offered by different companies, you should take a wise decision after going through the features and the premium. The cheap travel insurance plan may not be the best plan if it fails to cover your risks. Hence, you should opt for the cheap and best policy as per your needs. If you go through the travel insurance comparison service, you will settle for the best policy. 

1. Coverage of risk factors 

Your pleasure trip should not be spoiled by illness, accident, loss of luggage or robbery. Ensure that you go for the Cheap Travel Insurance to best coverage as per your needs. As a student, you might want to take an insurance plan as per the stipulation of the country or university. In some cases, you might not be obliged to buy an insurance plan. When you go through the unwanted circumstances, the insurance policy comes to your rescue. Hence, you should be diligent enough to figure out the best policy as per your needs.  

The insurance plan should offer medical cover, luggage & personal items cover, excess and cancellation offer. 

2. Flight delays/trip postponement/ trip cancellation 

The insurance policy should cover journey-related issues such as cancellation of the trip. As soon as you pay the first installment of the travel bill, you will want to buy an insurance plan. If you fail to travel due to family issues after booking the flight, the cancellation will not be a loss. The insurance company will handle the matter. 

The trip postponement and flight delays, hijacking and other issues will be covered by the insurance policy. 

3. Coverage of activities 

The overseas Travel Insurance Policies are designed to fulfill the requirements of the majority of clients. If you go for a basic travel insurance policy, you will want to include additional riders so that the undesired risks will be covered. If you undertake adventure sports activities, you should ensure that those activities are covered by the insurance plan. 

You can buy a family floater plan so that the insurance premium will be low. The premium for senior citizens will be higher than young people. Hence, you might want to split the insurance plan as per your needs. Ultimately, you should get maximum coverage with minimum insurance payment.

4. Hospitalization 

The hospitalization in a foreign country involves very high medical treatment costs. You can pay the premium in Indian currency and the reimbursement can be hand in foreign currency. The insurance company will maintain a network of hospitals throughout the world. You will get access to the toll-free number provided by the insurance company.  As soon as you are involved in the risk, you can convey the message to the insurance company. It is possible to get access to cashless treatment as well so that you can make the most of your investment. 

5. Single or multi-trip 

The savings will be more with a multi-trip insurance plan. The premium that you pay for a single trip is much higher than the multi-trip plan. You can discuss your needs with the insurance company and it is possible to subscribe a customized multi-trip plan as per your needs. 

Benefits of cheap insurance plan

The cheap insurance plan may not be the low premium policy. You should understand the value added by the insurance plan. If the risks covered by the plan outweigh the premium, it can be considered as the best insurance policy. 

The insurance plan should cover your travel itinerary in a very efficient manner. You should choose a company that maintains a good network in the travelling country. 

As there is great competition among insurance companies, it is very easy to strike the best deal from an insurance company. Overseas Travel Insurance Policies will fulfill your travel, accommodation, health and activities in the best possible way. Even though you travel to a distant and unknown place, you will have a companion in the form of travel insurer. The toll-free number is readily accessible on 24/7 basis. 

It is very much important to focus on the claims settlement by the insurance company. The low insurance premium will not yield a result when it fails to settle the claim on time. 

Conclusion 

By choosing a Cheap Travel Insurance, you will avoid financial distress and you will be able to take care of the needs of your family members in a very efficient way. You should ensure that your destination is covered by the insurance plan. The coverage against luggage, cancellation of travel tickets and medical cover should be assessed before subscribing to the insurance plan. You will have absolute peace of mind by choosing the most appropriate policy as per your needs.

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10 Key India Travel Tips to empower First-Time Travellers

India is believed to be one of the most exotic destinations. It is far beyond the historical monuments, beaches and the last but not the least the other tourist spots that we generally look out for. 

So whether you are travelling to India for a shorter period of time or for longer period of time, given below are the 10 things you would need to have in mind when it comes to traveling about in India. 

Making a checklist of all the essential documents: Before travelling one must always make sure that, they have all the necessary documents along with them. This can include the passport, the visa, the travel insurance, vaccination certificate whenever and where ever applicable and more. 

Don't over pack: While travelling always make sure that you take less number of clothes and go. There will be many other things for you to buy when you are in a new place. Also don't pack unnecessary medicines and knick knacks unless and until you are going to some remote village. You will get everything that you require over there. 

Dressing accordingly: India is generally believed to be quiet conservative when it comes to dressing and especially for women. This country is never open to open shoulders and shorts unless and until you are on a beach or in South Mumbai. So do make sure that you have clothes that are atleast till the knee length and have your shoulders covered. 

Informing yourself about the temples: It is mandatory that you take off your shoes before you enter the temples. There are some temples that don't allow the non-Hindu, where as some are only for men or some will have their own rules and regulations. 

Getting ready for some questions and stares: Indians generally pay more attention to the foreigners. You might even spot many of them staring at you. Some might even take pictures with you. But they don’t have an idea that doing this makes you feel uncomfortable. And incase you have a conversation with some local people, they might ask many questions and you might not even feel comfortable sharing things right away, e.g. social status, surname, relationships, faith, family and so on. Remember they don’t mean to offend you, it’s just that they are just interested to know you better.

Planning things before: If you are not coming with a predefined plan, then try and make all the arrangements 3 weeks before the trip. While travelling to India it's always advisable that you book tickets, at least two weeks in advance on regular days and 1 month before Diwali. Remember there are several other people who are looking for the same thing like you, so make sure that you are fast enough in getting some good deals. 

Being flexible about the plans and expectations: While travelling it is very important that you accept cultural specifics in India as things happen here which generally never do in other countries. You will know that a yes will not always mean a yes, and a no will not always mean a now. And in order to save yourself from frustration about the delays and cancellation, you need to make sure that you also have a plan B in hand. 

Learning to bargain: Each and every one of us do it, so make sure that you don't turn out to be an exception. Pricing is generally considered to be high when it comes to the foreigners, as there is a misconception among the sellers in India that the tourists are very rich. Do not bargain with artists and the farmers, as they hardly earn some amount of money and are very humble. 

Visiting your doctor to make sure you are ready to travel: As mentioned in the very first point, it is very necessary that you have your vaccination certificate before travelling. 

Do not carry too much of cash: In order to avoid any kind of theft and being safe, it is very important that you do not carry to much cash with yourself. And this does not apply when you are travelling through some local transport, but in general. Also make sure that you do not carry much cash in your handbags, as most destinations do have ATM around so that you can withdraw some amount of money whenever required. 

 Best Travel Insurance Plans in India

Travel insurance is something that can be taken both for international and domestic travel. It is something that can be brought for a single or multiple trips. 

Apollo Munich Easy travel insurance: This is a policy that is generally meant for overseas travellers, along with an option of getting cash from the insurer in case of any emergency. 

The best features are:

1. The policy covers almost everything and especially covers travel risks like trip delay and cancellation, trip termination etc. 

2. It also provides the policy holders medical treatment including emergency dental treatment which is very expensive in abroad.

3. Quick claim handling

4. 24/7 customer service

Bajaj Allianz General Insurance Co. Ltd. – This general insurance company is generally believed to be a joint venture between Bajaj Finserv Limited and Allianz SE, that is a life insurance global giant.

Their best features are: 

1. In 2015, the company had bagged the award not just for Best General Insurance Company but even for the Insurer Claims Team of the Year and the Silicon Valley Business Award. 

2. It has an array of various travel insurance plans for you to take your pick from. These plans include Travel Asia Plan, Travel Companion Plan, Travel Assist Plan, Swades Yatra Plan and Travel Elite Plan.

3. Claim assistance online

4. Efficient customer service

Max Bupa International medical emergency plan: Max Bupa overseas travel insurance plans give travellers complete peace of mind.

Some of the best features are:

1. It provides its customers medical support around the world.

2. This is a plan that covers all types of insurance while you are travelling say for example study, leisure and business travel.

3. An emergency service for 24 hours is prolonged to all the travel policy holder, followed by the choice of network hospitals in order to settle down the claims.

4. This international medical emergency policy covers medical evacuation expenses as well.

Overseas Insurance Mediclaim (Business and Holiday): This is a widely trusted Travel Insurance policy favoured by the masses because of its excellent claim handling policy.

1. This is a policy that indemnifies an individual from travelling overseas either for corporate purpose or for holidays in the event of illness, disease contracted or injury persistent during overseas travel. 

2. Baggage is also considered to be a part of this policy.

3. Excellent claim handling

4. 24 hour customer service

Conclusion

Travel Insurance is a must for all travellers, because when you are abroad there is no one who can help you there better than your travel Insurance plan. 

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