Compare Travel Insurance With Medical Conditions

If you are buying a travel insurance policy, you are advised to compare the policy with the medical conditions to get maximum medical coverage. You should get the best cover for your needs by including the pre-existing conditions in the insurance policy. The common procedures will also cost you much. Hence, you are advised to go for a comprehensive policy to care of medical emergencies. You are advised to share complete information about your health condition so that there will not be any issues in settling your claim. 

Objective of travel insurance 

You can buy travel insurance for various purposes. There are various kinds of plans to cover students, families, groups. You can buy a plan to cover a pleasure trip as well as business trip. The following benefits are offered with travel insurance:

• Loss of luggage 

• Emergency medical treatment 

• Trip cancellation/trip postponement 

• Loss of baggage or loss of travel documents 

• Personal liability 

However, you should take measures to cover major contingencies with the Travel Health Insurance plan. There will be great peace of mind when you are covered by a comprehensive insurance policy. 

The contingencies that can be covered by the travel insurance plan are mentioned below: 

• Emergency medical assistance 

• Newborn cover 

• Maternity cover

• Critical illness cover 

• Rehabilitation 

• Medical check-ups 

You should assess the Medical Travel Insurance benefits before buying an insurance policy: 

Overseas travel insurance plan from TATA AIG

• Accident & sickness medical expenses – The medical expenses to the maximum possible extent will be paid by the insurance company as per the limits. The injury or sickness can be overcome very easily with the insurance policy. 

• Accident death and dismemberment – A percentage of the sum assured will be paid by the company if the risk is covered by the table of losses presented in the insurance document. 

• Repatriation of remains – The expenses involved for the transportation of the mortal remains of the policyholder will be borne by the insurance company. 

• Various kinds of plans – There are various kinds of plans implemented by the TATA AIG. These plans include Silver, Silver Plus, Gold, Platinum and Senior Plan. 

Travel insurance cover from Bajaj Allianz 

• Types of plans – Travel companion plan, Travel elite plan, travel prime plan 

• Medical expenses – The cost of medical treatment, repatriation, and evacuation will be borne by the insurance company subject to the terms and conditions mentioned in the insurance plan. 

• Emergency dental pain relief – you will get emergency dental treatment due to accidents or other reasons 

• Personal accident – If the death of the insured person is less than 18 years, 50% of the sum assured will be paid. 

Travel health insurance plan Bharti AXA

• Medical and dental expenses – Most of the medical and dental expenses are covered by the travel health insurance. 

• Personal accident – Permanent or partial disablement is covered by the insurance policy. The premium covers the death caused due to accidents. 

• Daily cash allowance – If the insured person is hospitalized beyond the specified number of days, the daily cash allowance will be awarded by the insurance company. 

Tips to choose the best travel policy that covers medical conditions 

• The reputation of the company – You should choose a policy from a reputed company. The financial condition and management of the company will certainly affect the selection of an insurance policy. 

• Claim settlement ratio – The claim settlement ratio of the insurance company should be very high. If the company maintains a very high claim settlement ratio, there will be an edge over other companies. 

• Additional riders – By including the additional riders, the value of the policy can be enhanced in a very efficient manner. 

• Sum insured – the premium will be high if the sum assured is higher.

Coverage of medical risks 

The insurance policy should cover medical risks in a prominent manner. You might face various health issues during travelling. If you met with an accident, you will want to bear hospitalization charges. The charges are very high in a foreign country. 

The medical coverage includes hospitalization charges, ambulances charges, and dental treatment. When you are covered by a comprehensive insurance policy, you can get immediate medical attention and you can make the most of your investment. 

The cashless treatment is a great bonanza that you can enjoy with the Travel Health Insurance. The sum assured will cover your medical expenses and there will be great peace of mind. 

Conclusion 

There are several reasons to compare various travel insurance plans. You will get maximum coverage at a minimum premium. Some countries will not allow you if you do not buy a Medical Travel Insurance. Further, the treatment in a foreign country is very expensive and you can avoid financial distress by choosing the best travel insurance plan that covers most of the medical conditions.

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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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How to Travel with a Group of Friends?

Travelling is a highly exhilarating experience and especially travelling with friends. So how do you make a trip with friends memorable, here is a list of all the ideas and strategies in order to make your trip easy.

Choosing your companions: When you are deciding who you want to go with, it is also important to choose those who you easily get along with. Travelling always forces you and your friends to be together constantly. As you will be spending much time together you will need to decide which friends to take along and which to avoid so that there is good compatibility and no conflicts on your trip. 

Money: The second most important thing when it comes to travelling. Money has always been a sensitive topic, and by agreeing on things beforehand you can avoid conflict later. What one person considers to be affordable might not seem to be the same for the other. So deciding the budget of the trip and how much money to carry along would be the ideal thing. 

Communication: One of the best ways of reducing stress during travelling is communication. So whether you are on a trip with your best friend or with a new friend having a proper communication will benefit everyone. For example telling your friend if there is something bothering her in the entire trip then don't hesitate to tell them. 

Creating an Itinerary: You don't have to plan your trip hour by hour. But can along with your friends decide where you want to go, and how you wish to go. Your travel companions must gel well with the idea of what they are exactly getting into. 

Making sure there are enough rooms: Do not make everyone stay in the same room. Some people have the habit of snoring or fidgeting during their sleep. So the more number of beds you have, the more number of chances you will have to make adjustments. Try and search for a hotel or place where there will be separate rooms for all in a tight budget. 

Helping your friends prepare: Some of your friends might have less travel experience. So do offer them some advice of what to bring, and what they can expect from the entire trip. 

Travelling without Travel Insurance nowadays is an open invitation to unnecessary expenses occurring due to any untoward happening. 

So here are the 5 best travel insurance plans for you to review and make a selection from.

Apollo Munich: Apollo Munich is considered to be one of the best travel insurance providers in India. It offers five kinds of travel insurance policies and they are Easy Travel Individual, Easy Travel Family, Easy Travel Senior Citizen, Easy Travel Annual Multi Trip Plan, Educare (Students travel insurance plan). 

The features of this insurance plan are as follows 

1. Personal Liability, Maternity benefit, childcare benefit, Treatment of Mental and Nervous Disorder; Including Alcoholism and Drug Dependency. 

2. Medical Expenses for Inter-collegiate Sports Injuries, Cancer Screening and Mammography Examinations, Emergency Financial Assistance, HIV Cover.

3. Delay of Checked Baggage. 

4. Loss of Passport, Financial Emergency Cash, Personal Liability, Trip Delay, Hijack Daily Allowance.

5. Trip Cancellation and Curtailment, Missed Connection

Bajaj Allianz: Bajaj Allianz has received the award for best travel insurance company in 2011, 2010 and 2014. The company offers customers with plans like Individual Travel insurance Plan, Family Travel insurance Plan, Senior Citizen Travel Insurance Plan, Student Travel Insurance and the last but not the least Corporate travel Insurance plan. 

The features of this plan include:

• Medical Expenses,

• Evacuation and Repatriation

• Emergency dental pain relief

• Loss of Checked Baggage

• Delay of Baggage, Personal Accident, Loss of Passport, 

• Personal Liability, Hijack, Trip Delay etc. 

• Emergency Cash Advance

Bajaj Travel Asia plan: Apart from the five types of travel insurance plan, Bajaj has also come up with customized travel insurance plan called as Travel Asia. Like the other categories the plan also has variants in terms of the coverage amount. It comes with a coverage amount of US$15,000 and US$ 25,000 respectively. The features of this policy are as follows: 

• Delay of Baggage

• Personal Accident

• Loss of passport

• Personal Liability

• Hijack

• Emergency Cash Advance

• Medical Expenses, Evacuation and Repatriation

• Emergency dental pain relief

• Loss of Checked Baggage

• AD & D Common Carrier

HDFC Ergo: HDFC Ergo Travel Insurance policy offers customers with single trip multi Asia plan, Family Floater plan and a Student Travel Insurance Plan called Student Suraksha etc.

The features of this policy are:

1. Accidental Death and Permanent Total Disability Common Carrier

2. Emergency Dental expenses 

3. Hospital Cash

4. Loss of Baggage and Personal Documents

5. Contingency Travel Benefits

6. Hijack Distress Allowance

To conclude 

Now that you have become familiar with the different kinds of insurance plans in India, you can have your policy purchased from any of these Insurance companies as per your needs and requirements. You can choose any one from the above mentioned providers and get the travel insurance policy directly from their portal.

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Group Travel Insurance, Popular Travel Medical Insurance Plans

Group Travel Insurance

Ever seen a huge group of tourists roaming around and clicking pictures at famous spots? Those people were probably travel insured at that time. Group Travel Insurance is essential when travelling with a large group of people who are not directly their family. Those large group trips which are planned by agencies also have the group travel insured. 

Group travel insurance is a travel insurance policy that protects a large bunch of people who are travelling together at the same time but are not automatically family. Group travel insurance will get the entire group, all the members, insured rather than every individual getting their own separate insurance. If you’re going on a vacation with a with your college batch or going for a wedding with all your distant relatives, getting a group travel insurance will make the trip tension and stress free for everybody in case of any possible occurrences. 

Group travel insurance will cover all the things that a single travel insurance would but for a large group of people. It offers protection against unforeseen situations and events like trip cancellation, baggage loss, critical health issues, loss of money, loss of passport(s), loss of important documents while travelling internationally, loss of essential belongings, etc. 

Things to keep in mind while buying a Group Travel Insurance

If the holiday destination is a beach area or a hill station where you will indulge in adventure sports like parasailing, paragliding, scuba diving, jet skiing, swimming in the ocean, river rafting, rock climbing, river crossing, etc., you need to carefully read the document of the insurance as most insurances would not cover such situations if anything occurs causing damage or injuries or even death. In such a case, one can purchase a group travel insurance which covers these grounds or is specially designed to cater to adventure travelers or one can get the cover for the same by paying an extra premium. While travelling with a bunch of people, the best plan to get is a cheap medical travel insurance plan for the whole group. 

Group travel insurances usually provide more cover than the standalone covers. Opting for a group insurance while traveling is always a better option than getting separate travel insurances for each person. 

An additional premium can be paid in the case of the member travelling from different places; if a few members of the group plan to meet the other member of the group at the destination or if they live in different parts of the world and plan to meet at hallway or so.

Travel Medical Insurance Plans

Travel medical insurance plans are extremely important while travelling in a large group, especially to an international destination where the healthcare is expensive, for example, United States. Buying a cheap medical travel insurance plan can help you avail medical treatments and benefits in countries abroad. 

A member of the group might fall sick or get hurt and might be in need of care and medical expertise. In such cases, the cover provides the same.

In case of any emergency like evacuation or shifting to a better medical facility, the insurance policy will also look after that. 

Popular Travel Medical Insurance Plans

• Max Bupa International Medical Emergency Plan 

With the Max Bupa International Medical Emergency Plan, you can get medical support around the world. The insurance policy covers all types of travels like business, leisure and study. The policy holder is prolonged an emergency service for 24 hours to advice on the choice of hospitals and to settle claims. This policy also covers evacuation expenses. 

• Reliance Annual Multi-Trip Insurance Plan

The Reliance Annual Multi Trip insurance plan is targeted towards frequent travelers. It provides cover for multiple trips taken during the duration of the policy. The policy is for six months buy can be extended later. 

• Overseas Insurance Mediclaim (Business & Holiday)

The Overseas Insurance Mediclaim policy covers for people travelling overseas for business as well as leisure in the situation of them falling ill, contracting diseases or getting injured during overseas travel. This policy also provides cover for baggage loss or damage. 

• Apollo Munich Easy Travel Insurance

The Apollo Munich Easy Travel Insurance policy provides for travelers traveling to international destinations with an option to get financial aid in cash from the insurer in case of any emergency. The policy covers medical issues as well as other travel risks like trip cancellation or baggage loss or damage. It provides for the medical treatment which is usually extremely expensive abroad. Emergency dental procedures are also covered in this insurance policy. 

• Future Generali Travel Suraksha Plan

This travel insurance plan is beneficial as it provides cover for domestic as well as international travel and also includes travelers of any age group. This policy can be taken for a particular geographical area as well like Europe or Oceania. 

Conclusion

Group travel insurance plans are extremely important to take and are very helpful in unfortunate and unforeseen situations which might lead to loss of property or life or disable the traveler with injuries. Choose a travel plan with maximum benefits on medical claims to have a safe and healthy trip. Cheap medical travel insurance plans can help you through your travel disruptions.

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Difference between travel and student travel insurance

You might have great plans to execute the journey in the best possible way. The travel insurance will cover the trip cancellation expenses as well. Due to unforeseen circumstances, you might want to cancel the trip and the loss is covered by the travel insurance. The other factors which are covered by the travel insurance include loss of baggage, and missing the flight. The travel insurance can be bought by an individual, family or a group. It is different from the Student travel insurance.

Features of student travel insurance plan 

As a student in a new country, you will go through great excitement. It is a great opportunity to learn new skills, specialized education and you will explore new places. There are many differences in food, climate, and culture. The Student Travel Insurance will help you overcome many challenges. A comprehensive insurance plan is a great companion to overcome various kinds of travel-related issues. 

• Student travel insurance supports and covers students when they go abroad 

• Offers emergency medical assistance 

• Loss of passport 

• Compensation for loss of baggage or baggage delay

• Covers medical expenses including the cost of evacuation/repatriation 

• Emergency dental treatment 

• Tuition fee payment (if the study is interrupted due to hospitalization)

• Reimbursement of tuition fee (if the student is compelled to discontinue studies due to illness or death of family member)

• Sponsoring of tickets 

• Stay with one family member when the student requires hospitalization for more than 7 days. 

• If the sponsor dies in the middle of the course, the remaining tuition fee will be paid by the insurance company 

Features of travel insurance 

A Travel Insurance plan will cover the following risks: 

• Medical expenses (including the cost of evacuation and repatriation)

• Emergency dental treatment 

• Trip cancellation or interruption 

• Loss of baggage and personal belongings 

• Flight insurance 

• Accidental death and dismemberment 

• Collision damage waiver 

• Cancellation of trip due to weather conditions or travel advisory 

• Sports coverage

• Hotline assistance on 24/7 basis

Differences 

Focus on the study – The student travel insurance will focus on all issues that will affect the student’s health, study and travel. Various factors are addressed in the insurance policy so that the student will be able to continue his studies without any issues. On the other hand, the travel insurance is concerned about the safe journey, accommodation and activities that are part of the journey. The travel insurance will deal with personal or official trip. 

Single or multi-trip – The travel insurance is offered as a single or multi-trip cover. If you are planning more than one destination, you can include all the destinations in the travel insurance plan. On the other hand, you can extend the travel plan beyond 30 days as per your needs. The student insurance will cover issues that are present in the homeland as well as abroad. The issues that interrupt the studies of the student will also be covered by the plan. The duration of the student travel insurance can be up to 2 years. 

Medical test – There is no requirement of medical tests before issuing travel insurance. If you are flying to some countries, you will want to go through the recommended medical tests and vaccinations. The pre-existing conditions are not covered by either travel insurance or student travel insurance. You can include pre-existing conditions by opting for an additional premium. 

Tips to buy the travel insurance 

• The travel insurance should cover the trip expenses. 

• You should understand the coverage and limits so that there will not be any confusion at a later stage. 

• Costly items such as jewelry and laptops can be covered by going for additional riders 

• The claim filing procedure should be simple and you should have access to the toll-free number 

Tips to buy the student travel insurance 

• The insurance plan should cover the break in studies due to various reasons including the death of sponsor, death of close family member 

• It should cover the personal liabilities. The loss of expensive items will be recovered with the insurance premium 

• When you fall sick, you should have access to medical treatment. The insurance company should help you file the claim very easily so that you will get financial assistance to continue your studies without any issues. 

Conclusion 

Travel insurance deals with all the travel-related issues. If you are travelling aboard as a student to study a course, you will want to buy a student travel insurance as it will cover all kinds of risks associated with your studies. A leisure or business traveler should buy travel insurance to cover unwanted surprises during the trip. There will be great peace of mind when your risks are covered by a proper insurance plan.

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All You Need To Know About Travel Insurance Claims?

Before buying a travel insurance plan, you should be aware of the risk factors that are covered by the plan and the risk factors that are not covered by the plan. It is very much important to disclose the necessary information with the insurance company so that you will derive maximum benefits. Your Travel Insurance Claim will not be affected when you share the correct information. 

Risk factors covered by the insurance plan 

There are various kinds of travel insurance policies offered by different insurance companies. Most of the insurance companies cover the following risk factors:

• Flight delays – If there is flight delay for more than 24 hours, compensation will be paid by the insurance company. 

• Flight cancellation/curtailment – The financial risk associated with the trip cancellation or curtailment will be borne by Student Travel Insurance Plans. There are various reasons to cancel the trip. You might want to cancel the trip due to sickness, accident, and other reasons. When you the interrupt the trip, you will incur additional expenses in returning home. If you or your companion will go through the unfortunate event, you might want to wind off the trip. If a close relative at home dies or becomes sick, you might want to cancel the trip. If the trip cancellation takes place, it should be supported by the cancellation claim from a qualified doctor. 

• Loss/stolen baggage – if the baggage is lost permanently, the cost involved in purchasing new items will be paid by the insurance company. If there is delay in obtaining the checked-in baggage, the cost involved in buying the essential items is covered by the insurance plan. 

• Personal liability – The damage of property, body injury and third party death will be covered by the insurance plan. 

• Medical expenses – If the travel insurance includes the medical clause, the insurance plan will bear the hospitalization cost. The emergency treatment will be provided based on the insurance plan. Illness during travelling and accidents on roads will be covered by the travel insurance plan. 

• Repatriation – If there is death of the policyholder, the cost involved in transporting the mortal remains will be covered by the insurance company. 

• Rental car collision – If you are travelling in a rental car and met with an accident, the rental collision insurance rider will pay for the damage from the proceeds of the insurance policy. 

• Hijack allowance – If your plane is hijacked, you will get daily allowance. The condition will be applied if the hijack takes place beyond a specific period of time. 

Exclusions from the travel insurance policy

You should be aware of the exclusions of the travel insurance policy. 

• Pre-existing medical conditions – Some travel insurance companies do not cover the pre-existing medical conditions. Hence, you should double-check your policy to manage minimum coverage with pre-existing health conditions. 

• Under the influence of drugs – If you are found to be under the influence of drugs, the Travel Insurance Claim cannot be applied. 

• Extreme sports – If you are participating in adventure sports such as sky-diving and bungee-jumping, the travel insurance will not be applied. You should ensure that those acts are covered by the insurance plan from the insurance company. 

• Travel advisory – If you travel to locations against the travel advisory issued by the government, the insurance plan will be inapplicable. 

How to claim the travel insurance plan?

• If you go through a situation that demands payment from the insurance company, you should inform the insurance company at the earliest. 

• You should have access to domestic as well as international toll-free numbers of the insurance carrier. 

• You should provide the documentary evidence to the insurance company. Some of the documents which can be submitted in this direction include the FIR, medical report, police reports and other expenses incurred by you. 

• You should provide the doctor’s certificate if you fail to travel as per the plan. 

• If you lose baggage or personal documents, you should file FIR. You should submit a copy of FIR and a photocopy of the passport to the insurance company along with the claims form. 

• The loss of cash or traveler cheque should be reported along-with the FIR, photocopies and originals to the insurance company so that your claim will be entertained by the insurance company. 

• Flight delays are very common with most airlines around the globe. Even though it is not a deliberate attempt by the carrier, you can cover the risk by filing the appropriate documents by citing the reasons thereof to the insurance company. 

Conclusion 

Student Travel Insurance Plans are designed to take care of the needs of students while travelling to new places. The inconveniences and financial emergencies are covered by the insurance plan so that you can make the most of your trip! You should be aware of the procedure to file the Travel Insurance Claim!

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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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