Mysterious and original India is a popular holiday destination among American tourists. The country is considered the birthplace of Buddhism, but it is also attractive with many ancient historical monuments. Modern India offers holidaymakers luxurious spa resorts, well-maintained clean beaches of Goa, and ski slopes. Many foreigners come here for cultural purposes to get to know the indigenous population’s life and traditions.
One of the mandatory conditions of a comfortable holiday is the availability of health insurance in India. The policy can become a guarantor of obtaining qualified medical care in threat to life and health.
Do you need insurance in India?
To cross the border, tourists from America must have a visa. To get the stamp, you need to prepare a package of documents, including health insurance for travel to India. The policy must meet international requirements, namely:
- To act for the duration of the trip;
- Include major medical risks;
- Cover costs of at least $30,000.
Requirements for insurance for those traveling abroad (WPC) are also prescribed in American law. Each tourist is obliged to carry a policy covering the cost of medical care at least 35,000 euros.
Medicine in India
Clinical medicine and pharmaceuticals are well developed in major cities in India. It is possible to pass the necessary tests for diagnostics in fee-paying hospitals to get qualified help. Almost every hotel has its own doctor. The cost of medical services here is lower than in Europe but still high enough to completely exhaust the travel budget already at the first contact to the clinic.
The quality of treatment in India is good. Most specialists in large hospitals were educated in Europe and the United States. Commercial clinics have international accreditation in the health sector and even accept medical tourists for high-tech treatment. In the event of an injury covered by an insurance case, you can get quick help from qualified doctors in India.
What risks will the insurance cover?
In basic content, travel insurance includes the following risks:
- Transportation to the hospital;
- Emergency inpatient and outpatient treatment;
- Urgent dental treatment;
- Evacuation of the tourist to his homeland for health reasons;
- Repatriation of the body.
Additional options for insurance
The basic contract can and should be expanded with additional options, especially if you plan to travel with children, are active, or have a long stay.
Loss of luggage. At the time of the flight, things have to be checked into the airport’s baggage service. If this option is included in the insurance, the traveler can receive monetary compensation in the event of loss or delay of things due to the carrier’s fault.
Sports and outdoor activities. Tourists in India often engage in diving, yachting, and other sports. An extended policy can help offset the cost of treating injuries and illnesses sustained during outdoor activities.
Cancellation of the trip. The option would allow you to expect compensation for the loss of non-refundable tickets and vouchers if the holiday had to be postponed or canceled due to circumstances.
Civil liability. In a foreign country, in unusual circumstances, a tourist may inadvertently damage other people’s property or harm their health. The presence of extended insurance can help to compensate the victims by a court order.
How much does insurance costs in India?
The price of the policy depends on the following insurance options:
- Type of health insurance to go abroad: single or multiple;
- The number of travelers: up to 4 people can be included in one contract. If there are more tourists, draw up a second policy. The calculator sums up the cost automatically;
- Risky filling: on our website, you can issue one of 4 travel insurance programs: “Economy,” “Classic,” “Auto” (car insurance), “Premium.” The names include a complete list of risks;
- Tourist age: policies for children, adults, and pensioners will have different costs;
- Amount of insurance coverage: the base value of 30,000 U.S. can be increased to 100,000 U.S.
What to do when an insurance case occurs?
If there is an insurance case during the trip, follow the following algorithm.
- Call the service center operator. Tell your name, travel insurance number, and your location. Tell us about what happened in a nutshell.
- Follow the operator’s instructions. If an accident or illness is an insurance accident, the service center operator will select the nearest clinic, where they can provide medical assistance under the contract.
- If a tourist is forced to pay his own medical bills, he must provide supporting documents to the insurance company’s office within 30 days. The costs will be compensated under the contract.
A few recommendations for holidaymakers in India
Be careful about your diet. Indian cuisine contains a lot of spices, unusual for the American stomach, and seafood. Don’t overeat. Read the composition of dishes in the menu of restaurants and order only familiar to you products. Wash fresh vegetables and fruits thoroughly with soap.
Drink enough clean water. India has a warm climate. Try to drink plenty of pure bottled water to avoid overheating. In the daytime, it is better to be in the shade rather than in the open sun. Drinking profusely will also help to survive difficulties with acclimatization if they will.
Don’t take unfamiliar animals in your hands. In India, there are poisonous insects and snakes. There are many jellyfish, stingrays and other animals in the sea. The bite of even a small beetle can cause allergies.
Get vaccinated according to schedule. If you miss a routine vaccination, it is worth taking it a few weeks before your trip. Rare diseases, such as yellow fever, are not common in India’s resort area, so mandatory vaccinations are not necessary. In the case of a long-term trip, visits to the country’s north-eastern regions are recommended to be further vaccinated against meningococcal disease, hepatitis A, and typhoid.
Follow the rules of personal hygiene. Wash your hands before eating to prevent infection with intestinal infection. Do not wear someone else’s shoes. Refuse to visit tattoo parlors and piercings. In Buddhist temples, tourists are asked to take off their shoes at the entrance. In this case, carry a pair of clean socks to protect your feet from the fungus.
Try not to leave the resort area and go on excursions as part of organized groups. The crime rate in India is low, but there are areas with unstable political conditions. It is not recommended to travel alone to remote areas. Residents are complacent about the Americans, but the probability of petty theft, fraud can not be completely ruled out.