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Overseas Travel Insurance Plans – Costs Less and Offers More

Everyone craves for vacations to enjoy some quality time with their loved ones and Indians are no exception. The outbound travel sector of India saw a robust growth this year because international travel destinations are highly sought-after among Indians in 2015. Obstacles like inflation, skyrocketing ticket price and depreciation of rupee couldn’t deter the wandering spirit of Indian travelers to travel around the world. Over 60% of Indians remain unmoved by the depreciating rupee and are raring to go to travel. However, the rate of availing travel insurance to safeguard the trip is still dismal among Indian travelers.

Young generations prefer to travel to international destinations once a year at least. According to a survey, 90% of these travelers make use of their own savings for overseas trips and don’t consider travel cover. Quite surprisingly, this is the mindset of young internet savvy generation as ICICI Lombard conducted the survey in the age group of 25-35 among 1049 people across six metro cities in India who had international trips in the previous year.

The survey further reveals that Singapore is the most preferred travel destination among young Indian travelers; the second and third places are held by US and UK.

Let’s take a look at the travel plans available and their prices for those who favor these destinations. Let’s start with Singapore.

Travel insurance plans available for Singapore trips

The following list of top 5 policy quotes in terms of lowest premium are for one 30 years old person looking for a single trip to Singapore. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 942
HDFC Ergo – Premium of Rs. 1015
Reliance – Premium of Rs. 1129
TATA AIG – Premium of Rs. 1234
Religare – Premium of Rs.1666

The lowest premium is Rs. 942 for a travel insurance plan for a 10 days trip to any Asian country such as Singapore, Thailand. This means one has to pay less than Rs. 100 per day to make his trip safe and secured. Indian travelers must know that travel plans are not only inexpensive but they also provide coverage for loss of baggage, passport, hijack and even emergency treatment.

Travel Insurance plans available for UK trips

The following list of top 5 policy quotes in terms of lowest premium are for 1 person looking for a single trip to UK. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 942
Bajaj Allianz – Premium of Rs.991
HDFC Ergo – Premium of Rs. 1015
Reliance – Premium of Rs. 1129
Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1139

Universal Sompo provides the lowest premium. The premium of travel insurance plan is also Rs. 942 for a 10 days trip To UK.

Travel insurance policies for US trips

The following list of top 7 policy quotes in terms of lowest premium are for 1 person looking for a single trip to US. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 1344
HDFC Ergo – Premium of Rs. 1438
Bajaj Allianz – Premium of Rs.1441
IFFCO-TOKIO – Premium of Rs.1456
Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1658
TATA AIG – Premium of Rs. 1694
Reliance – Premium of Rs. 1783

The lowest premium is Rs. 1344 for a travel insurance plan for a 10 days trip to US. Just imagine, you are getting all types of risks covered just by paying less than Rs. 140 for each day of your trip.

Best travel insurance plans in India in terms of baggage and medical coverage

The survey also made clear that 79% people buy travel plan to cover medical emergencies. Safety of baggage is the second most vital reason as 60% people behind purchasing travel insurance policy. So let’s find out best travel insurance plans in terms of medical emergency and luggage safety.

From the above list of travel policies for US, two plans by Reliance and Bajaj Allianz look best in terms of baggage cover.

Reliance Travel care platinum provides US$1500 for the loss of checked baggage for a premium of Rs.1783.

The Travel Elite Premium plan by Bajaj Allianz provides US$ 1000 for a premium of Rs. 1658 for the loss of checked baggage.

To get the best coverage for medical emergencies, the Titanium plan by HDFC ERGO is the best. It primarily covers:

Emergency Medical Expenses
Permanent Disablement/accidental death
Hospital Cash
Loss of Personal Documents
Accidental Death
Loss of Baggage
Financial Emergency Assistance
Personal Liability

What is the cost of international travel policy for a couple?

According to the survey, 52% of travelers prefer to have trips with spouses. So, if these people can avail a travel plan for visiting US or UK or Singapore, how much do they have to pay?

Let’s start with US trip for 10 days for a sum insured of US$ 100000 covering 2 people who are 30 and 28 years old.

Religare offers the best plan which comes at a premium of Rs. 2407.

If you compare travel plans available for couples who wish to visit UK, keeping the same criteria for trip duration, sum insured and age of the traveler, Religare provides the best plan. The premium of the plan is Rs. 1537.

For a trip in countries like Singapore, Thailand within Asia which has been the top travel destination of 2015, a couple has to spend even less for a travel insurance policy. If you compare travel insurance plans that cover Asia, you will get the lowest premium of Rs. 1218 from Explore Asia plan provided by Religare.

The positive part of the survey is the increased awareness among Indian travelers. More than 90% of young generation is aware of the travel insurance which is a significant rise from last year’s 80%. One of the major provider of travel insurance plans in India; ICICI Lombard underwritten a total travel insurance premium of Rs 100 previous year, one can expect the premium to increase by 5-10% in this year. The problem is not with the awareness; it is the lack of understanding about the benefits associated with these travel covers.

27% of the total respondents in the survey choose not to avail a travel insurance plan simply because they were under the wrong conception that such plans cover only accidents, loss of baggage and theft but don’t provide medical coverage. This is far from being the truth as the complete break-up of Titanium plan by HDFC ERGO shows extensive coverage for medical emergencies.

25% surveyed people didn’t buy any travel plan because they thought such plans are costly but it is not so. The price of all plans for person mentioned here are about less than Rs. 100 to less than Rs. 140 for each day of a 10 days trip. Travel insurance policies for couples are even cheaper as they cost in the range of less than Rs. 65 per day per person to less than Rs. 125 per day per person for destinations like US, UK and all countries in Asia including popular destinations like Singapore, Thailand.

Indians love to spend their holidays in international destinations. An international travel insurance plan doesn’t cost much and offers a lot in return. If you are also a travel freak, you should insure the total duration of the trip so that you can enjoy your holiday with complete peace of mind.

Avishek Bhattacharjee has been associated with the general insurance sector in India for many years. He regularly comes up with informative and interesting articles to provide information about various insurance policies. This write-up discusses about the importance and benefits associated with travel insurance plans in India.

Resort in Pench National Park

The Gondwana or the “Land of Gonds” in central India which includes the Pench Tiger reserve, strectches across Madhya Pradesh and Maharatsra. The common languages here is the Gondi, a spoken language. They depend on forest produce for sustenance and livelihood. The history of Pench is rich and enthralling. The history of Pench discloses fascinating and delightful facets of culture and life cycle of the societies of Pench.

The Pench tiger reserve is spread over two states, the Seoni and Chhindwara districts of Madhya Pradesh and Nagpur district of Maharashtra. Pench M.P.covers around 757 squares Kms and Maharashtra covering an additional covering 741.22 sq kms has also been declared Pench tiger reserve. Together these two are home to breeding tigress which in turn plays an important role in revitalising the meta-population of tiger reserves.

Interestingly, according to local lore a boy named Mowgli was brought up by a heard of wolves and was found in the Sant Bawadi village. A very famous “The Jungle Book” is based on the Mowgli and its land Pench national Park described by Rudyard Kipling’s. Rudyard Kiplings describes Mowgli and its land “Pench national Park” in his very famous “The Jungle Book” which is a collection of stories by him using animals in a manner to give moral lessons. Also mentioning about the Valley of Ben Ganga River near Kanivadi village where Sher khan of the children’s favourite fanciful tale met his end.

During your visit to Pench and opting for a thrilling Pench jungle safari you will notice the traces of the ancient happenings occurred.

The Living forest: Flaura & Fauna- The remarkable landscape of Pench is the hills, the dense forest and open meadows. Pench forest is largely made up of dry deciduous forest where large tracts of Teak, bamboo, Saaja (crocodile tree), Ghost tree, Mahua, and many more fruit trees. The region has dense red soil rich in lime, magnesia, iron in which dry crops and cotton flourish.

The Iconic the king “Tiger”- The tallest living species in the cat family. The leopard is an intelligent elusive carnivore that manages to sustain itself even in forest dominated by tigers. The other carnivores are dhole (wild dog), jungle cat, small Indian civet, Wolves, Striped hyena, Sloth bear, Jackal, and common palm civet make up the rest of the carnivore fauna of the Pench Tiger Reserve. The pray of these carnivores are Deer, Sambhar, Blue bull, Bison etc are most commonly sighted. Though the flying squirrel, porcupine and Indian pangolin are also resident of the park, spotting any of these is rare.

Bird Watching in Pench: The Pench national park is known as the bird watchers paradise. It has 325 species of birds which includes resident and migratory both. Pench is attaining recognition as one if the India’s premium birding destinations. Bird life is so rich in Pench national park because water birds are attracted to the reservoir situated in the park. Winter migrants includes snipes, sand pipers and wagtails. The cormorants, storks, egrets, fishing eagles and kingfishers have colonised the reserve. The diversity of habitats at Pench is combined with population of predator and prey species make it ideal for vultures. Lots of tourist choose for Pench jungle safaris only to sight vulture which is rare and available in few wild life sanctuaries only.

The Digital Future of the Hotel Industry Starts at Home

During my many years of travel in the service industry and having stayed in hundreds of hotels worldwide, it’s clear that the past five years have brought about enormous change in the hotel industry.

Innovation with architecture, interior design and guest comfort is at an all-time high. Widespread revitalisation has been incredibly successful in meeting guest expectations. Yet, in an increasingly demanding world, there still also remains a huge opportunity to truly create a home from home for the traveler.

Improvement On the Old?… How Much Has Actually Changed in The Hotel Industry?

In so many areas, the revitalisation of hotels continues to occur through the use of innovative products. Yet, if you look closely, you begin to realise that most ideas are limited to enhancing old, existing structures, whilst missing vital customer life cycles.

In a world where customer loyalty is hard-fought and guest expectations are continuing to rise, what’s truly needed is a shift to more dynamic business models: Low risk, digital strategies that are truly in sync with customer’s loves and expectations.

So, What’s Missing from the Guest Experience?

Be it a family, business clients or honeymooning couples, people are now approaching their travel with exceedingly high expectations. In today’s environment, we have access to so much. We have a plethora of choice in our everyday lives and we expect the same standard of availability, ease and access when we enter a hotel.

Modern Expectations

Take my example: At home, my WIFI works seamlessly, without the need for daily passcodes. I can fill my fridge with my favourite food, available for me whenever I want it. I can order it or purchase it on a whim to make my Friday night extra special. I control the temperature of my house, so that when I come home, it’s comfortable. I book massages or entertainment online to consume immediately.

These are all ‘givens’ for me. And I expect them – and more – from my hotel.

I’d love to be able to choose my preferred pillow prior to my arrival. I want to be able to book a reservation at a restaurant or spa with ease and without constant phone calls, or easily choose a city tour without visiting reception. If I have a problem during my stay, I want it fixed fast – not needing to chase a maid or deal with a busy receptionist.

If you, as a hotel, can provide a solution for me to easily manage my needs – through the entire lifecycle of my experience – from booking, staying, right through to months after my stay, then you will earn both my loyalty and my revenue.

Touch and Influence Through Mobile

But how could a hotel achieve this? By adapting pragmatic digital strategies within the guest life cycle. Mobile as our main form of communication and source of information, is one ideal solution.

Located directly on the home screen of the guest’s own device, you have the opportunity to live, literally, in the palm of their hand and be just a touch away from a direct, on- going connection. Your hotel’s physical attributes offer them comfort, whilst your digital presence offers them a 24/7 relationship with you.

A Thriving, Connected Business

The potential for true connection with customers – before, during and after their physical stay – is vast; the opportunities an innovation in this area, endless. Yet, the fact remains that hotels aren’t yet harnessing a personalized digital customer strategy.

Travel to Costa Rica: Hotel Reviews

The Best Western, Costa Rica
Rating: 3.5/5 Stars
It was only 15 minutes away from the airport and right in the middle of the city. I felt as though it was a nice transition from being in the U.S. to being in a different country since it is a big, international hotel chain. Everyone we spoke with spoke perfect English but they were also locals so they were open to sharing any advice you might need. The rooms were pretty average and clean with a great view of the courtyard and pool area at the center of the hotel. We swam in the pool during the day (very clean and well kept) and the hot tub was located to the side, a little more private, with an ‘infinity pool’ kind of feel. Overall, it was a simple hotel that offered just enough for us.

Lomas del Volcan, San Carlos
Rating: 4/5 Stars
To this day, it has been one of the most unique and memorable places I have ever stayed. It might seem sketchy when you have to go off the main road and drive up this dirt trail on an incline for a bit, but then you reach a normal road and it takes you right to the main hotel site to check in. The staff was attentive and welcoming. It was a simple dining center, both indoor and outdoor with a terrific buffet. From there, we had to keep going up the incline and walked with our luggage to our own huts. (unfortunate downside: no one carting you around the resort) Towels shaped into flamingos were propped up on each bed accompanied by rose pedals. The bathroom was very large and open which was nice when sharing with others. We had a little front porch and a back porch opening up to all the beautiful surrounding nature. When we would head out in the mornings there would be monkeys swinging around the trees, right outside our hut!! It is also very close to all the near by activities, right off the Arenal Volcano!

Condovac la Costa, Playa Hermosa
Rating: 4/5 Stars
We stayed at this large resort right off the sandy beaches. There is constant uphill and downhill traveling so you’re in for a good work out but luckily there were golf carts roaming around to help guests get around. The welcome desk was very pleasant, with tons of people around to assist you. The rooms were okay, not completely 4 star worthy, but it was everything else that made me give it this rating. They had a tennis court, game room, pool area, karaoke, infinity pool, zumba lessons, salsa lessons, a great restaurant, gift shop and most importantly: their private beach entrance which only lead you to do more! We barely even stayed in the hotel room the amenities kept us so busy. We had no problems with anything here! Highly recommend.