We highly recommends having a travel insurance policy that covers:
1. Cancellation and Curtailment
2. Loss of and/or damage to luggage
3. Medical insurance
4. Loss of money (cash), travellers cheques or personal belongings
If you are participating in winter sports than your travel insurance covers this also. If you are bringing along expensive items such as jewelry or photographic equipment, check the value per item is covered by your travel insurance. If the coverage for these items is minimal you may wish to take out extra coverage on these items.
Most tourists forget that insurance is an important requirement while visiting any country.Insurance for traveling in India is a must and as important as traveling to any other country. Travel insurance acts as additional security in the case of unforeseen eventualities like cancellation or interruption of travel plans, lost or damaged luggage, travel delays, illness, accident, etc.
-> Most hospitals in India do not treat foreign nationals if they do not have proper medical insurance.
-> Check your travel insurance papers if they offer medical coverage in case of an untoward incident in a foreign land.
-> It also acts as an additional security in case of flight cancellation, damaged or lost baggage, illness, etc.
-> Affordability is a major concern. Though most medical help in India is affordable, it depends on the intensity of the emergency as to how much treatment is needed. In all good and reputed hospitals, it may reach a high amount.