{"id":1526,"date":"2023-01-14T12:37:45","date_gmt":"2023-01-14T09:37:45","guid":{"rendered":"http:\/\/thailand-trip.org\/straxovka-v-indiyu"},"modified":"2023-01-16T18:40:22","modified_gmt":"2023-01-16T15:40:22","slug":"straxovka-v-indiyu","status":"publish","type":"post","link":"https:\/\/thailand-trip.org\/en\/straxovka-v-indiyu","title":{"rendered":"Insurance in India: how to arrange, prices, tips"},"content":{"rendered":"

\"Insurance<\/p>\n

Insurance in India is a necessary thing, but not mandatory. During the registration of a visa to India, you will not be required to have an insurance policy, but you still need to take care of yourself. Don't forget that by entering a new country and a completely new environment, you may be exposed to various risks. <\/span><\/p>\n

It should also be added that when crossing the border of Laos border guards may still require the presentation of insurance, for the lack of which you have to pay a fine.<\/span> Medical care in India is quite expensive, so if you have an expensive accident, you may not be able to afford it. At this time, a timely purchased insurance policy solves all issues as soon as you report it. <\/span><\/p>\n

How do I protect myself from insurance claims in India?<\/h2>\n

It should be noted immediately that a trip to India does not require any special vaccinations, but for those who are going to stay in a hot country for a long time, it is not superfluous to be vaccinated against typhoid and hepatitis A. <\/span><\/p>\n

There are also such risks as poisonous snakes and insects, fish and stingrays, and many others, so you should not dive in uncharted areas or very deep. It's best to wear a mask and a suit when you're going to dive and to add \"accident assistance\" to your insurance policy as this is what will cover your losses in case of an accident on the seabed.<\/span><\/p>\n

When it comes to cooking, it is common in India to use a huge amount of spices in all their dishes, which can have a strong effect on the unprepared stomach and body. The veterinary control in India is poor, so it is better to refuse dishes made of raw fish and poorly cooked meat. <\/span><\/p>\n

If you have a condition such as chronic gastritis, you are advised to add an \"exacerbation relief\" clause to your policy, as the standard package will not pay money for this type of problem.<\/span> In general, India is considered quite a safe country, but because of the huge influx of tourists there are street thieves and crooks, so it's a good idea to add a \"missing documents\" clause to your policy. If you are going to rent a moped or motorcycle, you should also put it in the policy, because tourists are very often involved in accidents.<\/span><\/p>\n

\n

What risks are covered by the insurance policy?<\/h2>\n

Insurance in India will be able to cover the following expenses:<\/span><\/p>\n

    \n
  1. Calling an ambulance team;<\/span><\/li>\n
  2. Expenses for transportation of the insured to a medical facility;<\/span><\/li>\n
  3. Emergency dental care (only for acute pain or jaw injuries);<\/span><\/li>\n
  4. Payment for drugs and medical supplies that are prescribed by a doctor;<\/span><\/li>\n
  5. Urgent surgical intervention, if it is necessary to save the insured's life;<\/span><\/li>\n
  6. Inpatient care (includes your insurance company's oversight of the quality of treatment and care for the insured;)<\/span><\/li>\n
  7. Transportation and accommodation of a relative who wants to visit the injured person, if the treatment of the insured lasts quite a long time;<\/span><\/li>\n
  8. The transport of the insured's body back home in case of a fatal outcome.<\/span><\/li>\n<\/ol>\n

    The state of medicine in India<\/h2>\n

    Medical care in India is of very high quality, but it costs quite a bit of money. It is noteworthy that such situations as calling a doctor at home for an examination or simply seeing a doctor in a medical institution will not cost you very much, but hospitalization, surgeries and the like can hit the tourist's pocket pretty well. <\/span><\/p>\n

    Compared with European prices, medicine in India is much more affordable, people even come to the territory of the Hindus to restore their bodies, but with completely different programs.<\/span> The most developed areas of medicine in India today are rightly considered:<\/span><\/p>\n

      \n
    • Oncology,<\/span><\/li>\n
    • cardiology and cardiac surgery,<\/span><\/li>\n
    • transplantology, plastic surgery, and many others.<\/span><\/li>\n<\/ul>\n

      It is important to note that insurance will not cover any of the usual routine screenings at any clinic, as it is only responsible for insured events that were previously spelled out in the contract. Also, don't intentionally create problems for yourself, thinking that the insurance company won't notice. First of all, insurance agents are interested in proving the insured event, and then in reimbursing the injured person.<\/span><\/p>\n

      \n

      Where and how much does it cost?<\/strong><\/h2>\n

      You can take out medical (tourist) insurance in India both in the office of the insurance company and online. A basic insurance policy for a week with a coverage of $50,000 will cost you about 450-600 rubles. <\/span><\/p>\n

      If you want to add accident insurance to your existing policy, the amount will increase to 550-700 rubles, and to add driving a moped or motorcycle will cost an additional 300-400 rubles.<\/span> If you are not lucky enough to have an insurance claim, you don't have to worry. First, you should pull yourself together and call the company (the phone number is on the first page of the policy). The consultant will confirm whether the case is really considered an insured event, and will tell you what you should do next and where to go.<\/span><\/p>\n

      What dangers may be waiting for tourists in India?<\/h2>\n

      In order to avoid a certain number of problems that can occur, you should be aware of possible risks. So it's a good idea to check your vaccination list before you travel. Vaccinations against such terrible diseases as yellow fever, plague, and the like are not necessary in this country, but each region has its own specific diseases.<\/span><\/p>\n

      Vaccination against meningococcal disease is recommended when traveling to Meghalaya, Tripura, and Mizoram states in the Northeast. The prophylactic agent Delagil can be used for malaria. Intestinal infections are spread if personal hygiene is not followed. Hepatitis, AIDS can be caught during injections for piercings, tattoos, avoid questionable salons. <\/span><\/p>\n

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