Technology has reshaped the way we live, work and travel. From the smartphones we use daily to the global positioning system providing location services, technology is present everywhere. The International Day of Science, Technology and Innovation for the South is celebrated on September 16.

From National Technology Day to World Science, Technology and Innovation Day, the message is the same – how technology has impacted and will impact our lives.

If you love travelling, you can explore places where technological advancements have significantly improved lives.

History of the International Day of Science, Technology and Innovation

The Group of 77 developing countries (G77) and China agreed on the concept of an International Day for Science, Technology and Innovation at the Havana Summit on 15–16 September 2023. Many world leaders emphasised the role of science and technology in addressing development challenges and ensuring equitable access to innovation in developing countries in the Global South.

On 9 January 2024, the United Nations General Assembly adopted Resolution A/RES/78/259 for the International Day of Science, Technology and Innovation for the South.

The goal is to promote cooperation, sustainable development and the responsible use of technology.

The Global South includes countries in Asia, Africa and Latin America.

Theme of the International Day of Science, Technology and Innovation 2025

As such, the International Day of Science, Technology, and Innovation 2025 does not have a particular theme. However, this year, the focus is on highlighting the role of science, technology and innovation in achieving the Sustainable Development Goals (SDGs) and addressing challenges in areas, such as healthcare, agriculture, and climate change.

Importance of technology

Anything from mobile phones to kitchen fridges, cars, and computers is technology. Technology's importance cannot be ignored, as it adds convenience, productivity and connectivity to our lifestyle.

Here are some important roles of technology in our daily lives:

• Communication: Digital tools, such as smartphones and computers, help us communicate with people around the world.
• Education: Online education has made learning easy worldwide
• Healthcare: Telemedicine and advanced treatment have made healthcare accessible to all and improved patient outcomes.
• Travel: Travelling has now become easier due to online booking, navigation and safety apps.

How is International Day of Science, Technology and Innovation celebrated?

Countries in the Global South celebrate this day by organizing events, workshops, exhibitions and awareness campaigns.

Here is how the day is celebrated:

• Schools and colleges: Organise debates, quizzes, and programmes on science and innovation for students.
• Corporations: Companies organise hackathons, attend webinars, and participate in panel discussions on topics, such as artificial intelligence, sustainability, and safety.
• Governments and research institutions: They can use this day to announce initiatives that promote innovation.
• For individuals: Celebration can be as simple as discovering a new app, attending a seminar, or going to a technology museum.

Best technology-related places to visit around the world

The best way to celebrate technology is to experience it firsthand by visiting places where science and technological innovations are at the forefront. These places are futuristic and may alter your perspective on the world:

1. Silicon Valley, USA: It is the world's innovation capital and home to top technology firms and start-ups.
2. Tokyo, Japan: Renowned for robotics, advanced transport and future lifestyle technologies.
3. Bangalore, India: Referred to as the "Silicon Valley of India”, a place known for IT and research.
4. Geneva, Switzerland: Home to CERN, the European Organization for Nuclear Research, where the Large Hadron Collider, the world's largest and most powerful particle accelerator, is located.
5. Seoul, South Korea: A city that amazingly merges culture with advanced digital infrastructure.

These places remind travellers how technology shapes societies and inspires worldwide advancement.

Importance of travel insurance

Discovering new places can be exciting, but unexpected problems may occur. Flights may be delayed, luggage bags may be misplaced or unexpected medical needs may arise. In such cases, travel insurance can be quite helpful. International travel insurance helps cover these expenses and provides financial protection abroad. This helps you enjoy a trip without worrying about sudden expenses.

Depending on your travel plans, you can choose between multi-trip or single trip travel insurance.

Conclusion

The International Day of Science, Technology and Innovation is the perfect time to visit science museums and tech centres. You can experience in reality how a robot works, try science experiments and also learn new things about the technology. Travelling to these places is full of learning and fun.

If you plan to visit abroad, consider purchasing an international travel insurance plan to ensure your trip is secure and hassle-free.

FAQs

• When is the International Day of Science, Technology and Innovation celebrated?

The International Day of Science, Technology and Innovation is annually celebrated on 16th September.

• Why is travel insurance important for an international trip?

Travel insurance covers medical emergencies, flight delays, loss of baggage or passport, among other things.

• Can visiting tech places help me?

It provides you with knowledge about how technology enhances various aspects of life, including communication, travel, health and education.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Passports are an essential document for travelling across borders. To modernise international travel and simplify the verification process, the Indian government has launched e-passports. These are traditional paper passports embedded with an electronic chip that contains the personal details of the passport holder. It helps streamline and speed up immigration processes. For individuals who frequently travel abroad, it can be beneficial to learn about electronic passports.

What is an e-Passport?

An e-passport is a travel document that is embedded with a microchip. This chip securely stores the passport holder’s personal and biometric information. It generally contains the basic details, fingerprints and demographics. This chip is scanned whenever you pass through immigration checks at the airport, making the clearance process easier, faster and safer.

These chip-based e-passport uses metrics and Radio-Frequency identification (RFID) to prevent the unauthorised transfer of any data. This keeps your information and biometrics secured against any theft or forgery.

Benefits of getting an electronic passport

To Indian travellers, upgrading to an e-passport means more benefits. These include:

• Improved identity protection: The chip embedded in the e-passport makes it harder for unauthorised parties to alter or duplicate personal information.
• Faster immigration clearance: Automated systems read the chip quickly, reducing queues at airports.
• Global acceptance: e-Passports meet international standards, ensuring seamless verification.
• Reduced risk of fraud: The encrypted biometric data helps authorities confirm a traveller’s authenticity.

What are the key features of an e-Passport?

Electronic passports are designed to enhance security and streamline verification. Key features include:

• Biometric data: e-passports securely store the biometric information, including fingerprints and iris scans, on a chip.
• Digital authentication: Uses the Public Key Infrastructure (PKI) solution, which ensures secure digital authentication during immigration verification.
• Storage capacity: To store your information and biometrics seamlessly, the e-passport has the storage capacity of 64 kilobytes.
• Digital signature: This helps confirm your identity, reducing the risk of tampering with your passport.

Who can apply for an e-passport?

Here is who can apply for an e-passport:

• Adults and minors, when applying for new passports, can choose an e-passport while submitting their forms.
• Individuals whose current passports are expiring can opt for an e-passport when renewing their passports.

Difference between e-passport and regular passport

Key differences between electronic and regular passports include:

Steps for an electronic passport application

Here is how to apply for an e-passport online.

Step 1: Visit the official Passport Seva website.

Step 2: If you are a new user, then click register; else, log in using your credentials.

Step 3: Choose your e-passport application type, whether you need a new passport or to upgrade an existing traditional passport.

Step 4: Fill in the requested details and upload documents.

Step 5: Pay for the passport application fees.

Step 6: Choose a suitable time slot at your nearest Passport Seva Kendra (PSK).

Step 7: On your scheduled slot, visit the PSK office to complete the other formalities, such as collecting biometrics and verifying documents.

Documents required for an e-Passport in India

Here is the list of required documents for an e-passport:

• Identity proof, such as Aadhaar card, Pan Card, voter ID, etc.
• Address proof, like a utility bill, Aadhaar card, bank statement, etc.
• Date of birth proof, like a birth certificate, school leaving certificate, etc.
• Existing passports (in case of renewal applications).
• Recent passport-size photographs.

Role of travel insurance in e-Passport application

Having an e-passport enables seamless international travel. Although travel insurance is not mandatory for applying for an e-passport, buying international travel insurance is critical to get financial protection against unexpected events when abroad. Travel insurance gives financial security for situations, such as medical emergencies, trip cancellation or delays, passport and baggage loss.

Conclusion

The initiation of e-passports marks a major step toward enhancing travel efficiency and security. With features like embedded microchips and biometric data, they offer faster processing at immigration counters and improved protection against forgery.

To add an additional layer of protection against unforeseen situations, having travel insurance online can make your travel worry-free.

FAQs

• How do I know if my passport is an e-Passport?

An e-passport contains an embedded microchip and usually has a small chip logo printed on the front cover.

• Can I use my e-Passport for visa-free entry?

It depends on the destination country and bilateral agreements. It is advisable to check the visa rules of the country you plan to visit.

• Do I need to pay extra for an e-Passport?

The fee structure of an e-passport typically depends on the type of application, such as a fresh application, a renewal or Tatkal.

• How to check an e-Passport online?

You can check an e-passport status online using the application reference number on the Passport Seva Portal.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Norway is a Scandinavian country in Northern Europe. While many know this place for the Northern Lights, Sognefjord, and the endless daylight of the midnight sun, the country offers much more. Norway is noted for its peaceful life, excellent healthcare facilities, and affordable education. If you are planning to move to the ‘Land of the Midnight Sun,’ it is important that you know what the permanent residency (PR) permit is.

What is Norway PR?

PR translates to permanent residency. It is a permit, which, if you get it, allows you to stay in Norway for as long as you wish. Unlike temporary residents or those on short-term visas for travel or work-related meetings, you have added protection against expulsion. With PR, you can enjoy most of the same rights as Norwegian citizens.

Benefits of getting permanent residency in Norway

Obtaining a PR in Norway comes with the following perks:

• Norway offers social security benefits to its citizens, which are also accessible to PR holders. The scheme provides unemployment benefits, disability support, parental leave, and even a pension.

• Norway is part of the Schengen nations. With a PR permit on your side, you can travel freely to other Schengen countries, ditching complex paperwork and processes.

• If you want to settle in Norway, PR opens your way to obtaining citizenship status, provided you meet the minimum continuous stay duration in the country.

• Norway has one of the best education infrastructures across the globe. Not only that, public universities do not charge tuition fees, regardless of whether you are a Norwegian citizen or an international student.

• Norway has the best workplace culture. A full-time work week is set at 37.5 hours, and if you work beyond this, you qualify for a minimum of 40% extra pay.

Norway permanent resident eligibility & requirements

For Norway resident status, meet the following criteria:

• You must have lived in Norway continuously for three years on a valid residence permit.
• You must not have stayed outside Norway for more than seven months during the last three years of your residence permit.
• You are financially able to support yourself without being dependent on social welfare benefits offered by the Norwegian Labour and Welfare Administration (NAV).
• Based on your permit type, mandatory completion of 300-600 hours of an approved Norwegian language training course is required. If you have cleared the Norwegian language test, that would also be sufficient.
• You must not have any criminal record in your name during your stay.
• You must also complete the Norwegian social studies course and pass the associated test.

Types of Norway PR pathways for Indians

Here are different ways that can help you get a PR in Norway.

Family reunification

If you have a close family member residing in Norway and they invite you, then you can enter this country on a temporary residence visa under the family visa category. To qualify, you must have an annual income and permanent housing. Once you complete five continuous years of your temporary residence, you can apply for PR under the reunification program.

Marriage

If you marry a Norwegian citizen, you can apply for PR. However, to become eligible, you must have completed three years of marriage, and your total stay in the country must be at least seven years.

Education

If you are in Norway to complete any full-time course from a college accredited by the Norwegian Agency for Quality Assurance in Education, it opens the door for PR. Norway PR after study is the most popular one.

Work

If you are in Norway to earn a living, you can apply for a temporary residence permit by visiting and sharing your required details on the Norwegian Directorate for Immigration website. Even if you fall under the seasonal worker category, temporary residence is provided. With this permit and by meeting the tenure completion criteria, you can qualify for PR.

Business

If you want to start a business in Norway, you can do so after getting a temporary residence permit that has a one-year validity. You can request an extension of this permit, provided that the business is profitable. Once you complete three continuous years on this permit, you can apply for PR. You are also eligible for Norwegian citizenship after eight years of continuous residence.

How to apply for Norway PR?

Here is how you can apply for PR for Norway:

• Step 1: Check if you meet the required eligibility criteria. If yes, gather all the necessary documents.
• Step 2: Submit your PR application on the UDI portal.
• Step 3: Pay NOK 4,000 as the application fee using your MasterCard or Visa Card.
• Step 4: Schedule an appointment at the nearby police station and submit your application and documents.
• Step 5: The designated police officer will conduct a background check and validate your details before processing your request.

Note: If your documents are in a language other than Norwegian or English, a translator or a public interpreter is required.

Necessary documents for getting a PR in Norway

You need to furnish the following set of documents when applying for a Norwegian PR.

• PR application form
• Valid passport copy (with all the pages, including blank ones)
• Current residence permit card
• Proof of continuous legal stay for a minimum of three years
• Proof of income
• Self-sufficiency declaration stating that you have received no social welfare from NAV in the past 12 months
• Criminal record certificate from the Norwegian police
• Documentation of Norwegian language skills at a minimum A2 level
• Social studies course completion certificate

Note: If you are applying for PR for Norway from India under family reunification, the officials may ask for the partner's passport, relationship declaration UID form, children's birth certificates, and details of the time spent by the concerned family members in Norway in the past three years.

Does Indian travel insurance work post getting Norway PR?

Once you receive the Norway PR for Indians, your Indian travel insurance won't cover you, as you will now be treated as a Norwegian resident. However, if you are flying to Norway for a short trip, study, or work-related chores and need a short-term visa, travel insurance with a minimum medical coverage of €30,000 is mandatory.

The insurance will cover loss of passport or baggage, trip cancellation or curtailment, medical expenses, and medical evacuation or repatriation.

Conclusion

Getting a permanent residency status in Norway gives you access to social security benefits, free education, and excellent healthcare facilities. However, to apply for this permit, you need to fly to this country and stay for a minimum period of three years. Until you receive the PR permit, if you face any medical emergency or encounter a financially draining crisis, your travel insurance policy can come to your rescue.

Depending upon your needs, you can invest in a multi-year travel coverage or, if you are in Norway for higher education, student travel insurance for Norway can be helpful.

FAQs

1. Who can apply for PR in Norway?

Any Indian who has lived legally in Norway for at least three continuous years with a valid residence permit can apply. However, they must also meet the other qualifying criteria.

2. Do I need to learn the Norwegian language for PR?

Yes, depending on your permit, you need to complete 300-600 hours of Norwegian language and social studies courses.

3. How much does it cost to apply for PR in Norway?

The application fee for Norway PR is NOK 4,000, which translates to around ₹34,000.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Travelling abroad, whether for leisure, work or education, comes with both excitement and risks. Unexpected medical emergencies, trip cancellations or loss of belongings can turn a dream trip into a financial nightmare. This is where travel insurance steps in.

While regular travel insurance covers most travellers, students often require additional protection designed for their needs. Understanding how international student travel insurance differs from regular travel insurance is critical for anyone who is planning to study abroad.

Read on to discover the key differences between travel insurance and student travel insurance.

What is travel insurance?

Travel insurance is a safety net that protects you from unexpected expenses and emergencies while travelling domestically or internationally.

Here is what it usually covers:

• Medical emergencies abroad, such as hospitalisation, surgeries or treatments.
• In the event of trip cancellations, it can provide reimbursement for prepaid bookings.
• Loss or theft of baggage or passport. An insurance policy can help you get compensation or offer assistance in the recovery process.
• Flight delays or missed connections are covered for additional costs.
• In case you accidentally cause property damage, it can also help you cover personal liability.

What is student travel insurance?

Travel insurance for students studying overseas is a specialised policy designed for students. It provides financial protection to students against many unexpected events, such as medical emergencies, cancellations, interruptions, loss of luggage or important documents and personal liability.

Additionally, it is sometimes mandatory to carry student travel insurance, as many universities require it as a necessary document for enrollment. There are several other benefits that this insurance can give you:

• Some policies may reimburse tuition fees if a student must withdraw due to illness.
• Certain plans offer coverage for family visits in case of hospitalisation, but this is not standard across all policies.

Difference between travel insurance & student travel insurance

Coverage for overseas student travel insurance can vary depending on the provider and policy. The following are general features commonly offered, but it’s important to verify the exact inclusions with your insurer.

The key differences between travel insurance and student travel insurance are as follows:

Travel iInsurance or student travel insurance: what to choose?

Whether you need insurance for students studying abroad or travel insurance, here is how to choose.

Choose travel insurance:

• If you are going on a short travel or business trip.
• If you are looking for general protection for luggage, trip delays and medical emergencies.
• If you need flexible coverage for different travel durations.

Choose student travel insurance:

• If you are enrolling in a college, university or exchange program abroad.
• If you need coverage for extended stays, typically 6 months to 3 years.
• If you require protection against study interruptions.
• If you want coverage for study-related travel, internships or research trips.
• If you need greater medical coverage, which is often required by universities and visa authorities.

Things to consider when buying a travel insurance or student travel insurance policy

Here are a few things to consider when buying student or regular travel insurance online.

• Trip duration and destination: Ensure it covers the entire trip duration and destination you are visiting.
• Medical coverage limits: Check if the sum insured is adequate for the medical expenses.
• Loss or delay protection: Check if it covers the loss of baggage, passport or trip delays.
• Emergency assistance services: Look for a 24*7 helpline support for emergencies.
• Student-specific benefits: Look for add-ons like study interruption coverage or laptop protection.
• Sports or activity coverage: Check if the insurance plan covers adventurous or sports activities.
• Claim process and support: Review how easy it is to file a claim abroad and what the average settlement time is.
• Cost vs. coverage: Choose a plan that offers an optimal balance between the premium cost and the coverage offered.

Conclusion

The selection of the right travel insurance or student travel insurance does not only depend on the premium cost, but also on what it covers and how it ensures full protection.

By comparing benefits, checking coverage limits, understanding exclusions and assessing your own needs before purchasing, you can choose the right one. A well-chosen policy provides you with financial security and peace of mind, wherever your journey takes you.

FAQs

• Does travel insurance cover adventure sports or activities?

Many insurers exclude high-risk adventure. However, some may allow you to add them as an extra benefit.

• Can I extend my travel insurance while I’m already abroad?

Many insurers allow extensions, but only if applied for before the current policy expires.

• What happens if I lose my travel insurance documents during my trip?

Most insurers offer digital copies and 24*7 support to resend your policy details.

• Will my student travel insurance cover part-time work abroad?

The coverage for work-related injuries varies. Check if your policy includes it or if an upgrade is required.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

It can be exciting to plan a trip, but unexpected events, such as medical emergencies, lost baggage or trip cancellations, can turn it stressful. This is where travel insurance comes in handy, providing a financial safeguard. However, like any other policy, it has a validity period. Renewing it on time is critical to ensure continuous coverage and peace of mind during your trips.

This blog talks about everything you must know about travel insurance renewal.

When is renewal of travel insurance required?

Travel insurance policies are valid for a specific duration, mostly linked to your trip dates. Renewing travel insurance is necessary when your current policy is about to expire, you are planning another trip soon or your annual policy is ending. Renewing it on time ensures you keep your coverage active, staying protected against emergencies, trip cancellations or lost luggage.

How does travel insurance renewal work?

Most insurers allow you to renew your travel insurance policy online or through customer service departments before your policy expires. To renew a travel insurance policy, the insurer assesses the existing policy for the claims made and the coverage you need for your next trip. Once the payment is made and the documents are updated, your policy becomes active immediately or from the date your previous policy ends.

Steps to renew a travel insurance policy

The following is a step-by-step guide on how to renew a travel insurance policy:

• Check your policy expiry: Confirm the date your current policy ends to avoid any gaps in coverage.
• Review your existing coverage: Recheck the benefits, exclusions and claim history to decide whether you want the same coverage or add some add-ons.
• Compare renewal options: Before you renew your travel insurance policy, look for discounts or enhanced coverage.
• Provide required details: Update personal information, travel dates and any changes in the plans.
• Make the payment: Complete the payment.
• Receive renewal policy documents: Get the confirmation and policy documents for your records.

Eligibility criteria for renewing travel insurance

It is essential to meet the insurer’s eligibility requirements to renew your travel insurance policy.

Here is the likely eligibility criteria:

• Your current policy should still be active or within the insurer’s grace period after expiry.
• Renewal is allowed only if the upcoming travel dates fall within the policy coverage period.
• Any changes in health since the previous policy must be disclosed.

Details and documentation required for renewing travel insurance

To ensure a smooth renewal process, you should have these necessary details and documents ready:

• Your existing policy number and coverage details.
• Personal information, such as full name, date of birth and contact details.
• Travel itinerary including dates, destinations and mode of travel.
• Details of any medical conditions or claims made during your previous policy period.
• Payment method for renewal premium.

Having these things ready in hand can help you complete the renewal quickly and avoid delays in activating your renewed coverage.

Things to remember when renewing travel insurance

Although renewing a travel insurance policy is straightforward, keeping these points in mind can help ensure a seamless experience:

• Ensure to renew before your current policy expires to avoid gaps in protection.
• Make sure your coverage provides the benefits that meet your upcoming travel needs.
• Keep a copy of your renewed policy and payment confirmation for reference.
• Some insurers provide discounts or additional benefits for renewals.
• Ensure your renewed policy fully covers your next trip dates.

Conclusion

When planning your next trip, renewing your travel insurance on time provides continuous protection against unexpected events that may occur during your trip. Learning the renewal process, eligibility criteria and required documents can make the process smooth and hassle-free.

Being proactive with renewals allows you to review your coverage and make adjustments if needed, ensuring your policy meets your current travel needs.

FAQs

• Can I renew my travel insurance after it has expired?

It depends on the insurer, as some allow renewal within a short grace period. In the case of ICICI Lombard travel insurance renewal, you may need to purchase a new policy once the current one has expired.

• Do I need to provide medical details again while renewing?

It is essential to disclose any health changes to avoid claim issues.

• Can I change my coverage while renewing travel insurance?

Most insurers allow adjustments or add-ons during travel insurance renewal for your next trip.

• Will my renewal affect my premium cost?

Premiums can vary based on coverage, age, travel duration and previous claims made.

• What is multi-trip and single-trip travel insurance?

A multi-trip insurance offers coverage for each of your trips abroad within a policy year, while a single-trip travel insurance covers only one specific journey.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

If you are living, working, or studying in Australia, it is essential to learn about visa procedures. The Australian government provides an easy method of doing this through the VEVO Visa Check.

Visa Entitlement Verification Online, or VEVO, is used to verify the information about your visit digitally. Whether you are an international student, an employee, or a tourist, it is important to know how to use this service to avoid confusion and unnecessary stress.

What is a VEVO visa check?

Visa Entitlement Verification Online is an official service of the Australian Government. It enables visa holders, employers, learning institutions and other organisations to verify visa requirements.

A VEVO check allows you to view information, such as the kind of visa you have, its expiry date, work rights and study rights. It is a free tool that gives updated information about your visa directly from the Department of Home Affairs.

Why is Visa Entitlement Verification Online (VEVO) important?

The Visa Entitlement Verification Online (VEVO) is important since it provides you with legal evidence of visa status. Australia no longer uses visa stickers or stamps in passports, so the VEVO details are your official records.

Here are some reasons why it matters:

• Employers use it to verify whether a person has the right to work.
• Colleges and universities verify it before accepting international students.
• The government services use it to verify visas.
• Travellers can use it to confirm whether their visa is valid before leaving or entering Australia.

Without VEVO, it would be hard to demonstrate your visa conditions in everyday circumstances.

Advantages of the VEVO check online

There are a number of advantages associated with doing a VEVO check online. These are:

• Instant information: Get visa details anytime, anywhere.
• Trusted source: The information comes directly from the Department of Home Affairs.
• Paperless procedure: No need for documents to carry and no postal confirmations to wait.
• Simple sharing: You can give reference numbers to employers or colleges to verify.
• Eliminates errors: Helps you keep track of visa expiry dates and requirements.

How to check visa status online using VEVO?

Doing a VEVO visa check online is quite easy. This is how you can do it:

• Go to the official VEVO page on the Department of Home Affairs website.
• Choose the option “Check your own visa details with VEVO.”
• Provide necessary information, including:
  • VISA grant number
  • Transaction reference number
  • Visa evidence number
• Enter your passport details (country and passport number).
• Submit the request and view your visa details.

If you do not have the grant number or any associated information, you might be required to apply for VEVO access via the government portal.

What details does the VEVO visa check provide?

When you perform a VEVO visa detail check, the following information is shown:

• Visa type and subclass
• Work conditions (hours permitted, work type)
• Study rights (in case you are a student)
• Travel rights (single or multiple entries)
• Any special conditions associated with the visa.

Role of travel insurance in the VEVO check

Although a VEVO visa check provides you with clarity on your visa rights, it does not offer support for your personal safety and financial risks during travel. This is where the travel insurance comes in.

It can cover you against unforeseen medical costs or trip cancellations in case you are travelling to Australia. It is also useful for students, tourists and workers in case of medical emergencies, loss of baggage, passport, etc.

Depending on your travels, you can choose between a multi-trip or a single-trip travel insurance.

Conclusion

The VEVO visa check is an essential tool for anyone with an Australian visa. As visa stickers are no longer issued, VEVO is an important source of information about your visa status and conditions. It is convenient and secure to check work rights and confirm expiry dates online.

Simultaneously, travelling with the right international travel insurance offers you financial security.

FAQs

• What is VEVO in Australia?

VEVO is an abbreviation of Visa Entitlement Verification Online. It is an official service to verify visa information and terms.

• Who can access VEVO visa details?

Visa holders, employers, education providers and certain government agencies can access VEVO details.

• Is VEVO check online free of cost?

VEVO check online is free of charge for all users.

• Do I need VEVO if I have a visa label in my passport?

Australia no longer provides visa labels. VEVO is the only official way to check and confirm visa status.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Working long hours in the office to meet deadlines and handle client queries can be mentally and physically draining. This continuous routine over the years will start taking a toll on your health. You may find yourself battling with hypertension and diabetes.

To help employees manage work-life balance and give themselves and spend quality time with their families, many employers encourage short trips to offbeat destinations, and as a token of support, offer them a leave travel allowance, also called LTA.

What is a leave travel allowance?

Leave travel allowance policy is a travel benefit offered to employees by their employers to cover travel expenses when they take a holiday or vacation. LTA benefits extend to transportation expenses and include bus, train, and flight tickets for trips within the country. The allowance is accessible to employees and their direct family members.

Importance of leave travel allowance (LTA)

Here is how leave travel concession helps you:

• LTA reduces the travel burden by covering the rising costs of domestic travel.

• LTA motivates you to take a planned break from your work routine and helps improve your health, reduce burnout, and improve your work efficiency.

• LTA allows for shared experiences with your family, like visiting new places and exploring cultural destinations. This strengthens your bond with your dear ones.

When are you eligible for LTA?

To qualify for LTA reimbursement, you must meet the following criteria:

• You can claim LTA only for travel made within Indian borders.

• LTA is usually available to full-time employees, and not to those on a contractual basis.

• Most organisations offer LTA only if you travel during working days. If you are travelling during holidays, no such benefits are offered.

• LTA benefits are available in both cases, whether you are travelling alone or accompanied by family members. The term ‘family’ here includes your spouse, children, siblings, or dependent parents.

• No claim shall be processed if you fail to furnish proof of travel, such as air, rail, or road tickets.

• LTA benefits do not extend to meal expenses and accommodation.

What is a leave travel allowance exemption?

LTA is a tax benefit offered to salaried employees under Section 10(5) of the Income Tax Act of 1961. Since it is part of your CTC (cost-to-company) but also tax-exempt, it lowers your overall taxable income.

However, this tax benefit is not available if you have opted for the new tax regime, which offers lower tax rates but limited exemptions and deduction benefits. To qualify for the exemption, you must satisfy the following criteria:

• You cannot claim LTA if you have more than two children. However, an exception to this condition applies if, after your first child, you have twins in the second delivery.

• You can claim LTA only for travel made during the block year. As per the Income Tax Act, a block year comprises four calendar years.

• You cannot make an LTA claim for every trip made in a block year. The benefits extend to a maximum of two journeys.

Factors to consider before claiming LTA

Keep the following conditions in mind before you claim LTA:

• Carryover: If you have not claimed LTA for one or two trips in India, you can carry forward one such unclaimed LTA to the next block. However, you should claim the unavailed exemption in the first calendar year of the new block period.

• Shortest Route: The exemption is offered based on the shortest travel route. For example, if you want to travel to location ‘x’ from location ‘y’ and the train you took travels 350 km to reach the destination, while another train via an alternative route travels 300 km to reach the same distance, the fare for the latter will be taken into consideration.

• Multi-destination: If your itinerary includes 3-4 destinations, the fare for the LTA claim will be calculated on the basis of the distance between the starting point of your trip and the farthest destination, not the distance between the different destinations.

• Airfare: If you are travelling by air, the maximum you can claim is the actual ticket expenses or the cost of an economy class ticket of Indian Airlines, whichever is lower.

• No public transport: If you are travelling by a mode of transport not recognised for public use, LTV can be claimed for the lower of actual expenses or the price of the first-class rail fare, with the shortest route distance considered from your starting point to your destination.

• Rail service: If you are travelling by railway, the exemption is the lower of the actual fare or the first-class air-conditioned coach ticket for the shortest distance to your destination.

Why does travel insurance matter when claiming LTA?

LTA and travel insurance both help in a stress-free trip. While LTA covers transportation expenses, it does not account for last-minute trip cancellations or any emergencies you may encounter during your domestic travel.

Having travel insurance by your side, you are covered for expenses incurred due to trip cancellations arising from unavoidable situations, medical emergencies at your destination requiring hospitalisation, loss of baggage, and trip extensions caused by events such as unrest or natural disasters.

Conclusion

LTA benefits go beyond financial means; it helps you take a break from your hectic worklife and enjoy quality time with your dear ones in a scenic location. Although LTA covers your transportation expenses from your source station to your destination, the financial assistance will not help if you are faced with emergencies like a medical crisis, lost baggage, or rescheduled travel plans. To bridge this gap, it is important that you purchase a comprehensive single trip travel insurance plan offering domestic coverage.

FAQs

1. What expenses does the LTA cover?

LTA covers travel expenses for employees and their immediate family members. It includes train, bus, and flight tickets but excludes accommodation and food expenses.

2. How many times can I claim LTA?

You can claim LTA twice in a block period. The current four-year block period is 2022-25.

3. Can LTA be encashed?

No, you cannot convert LTA into cash or salary. It is solely meant for travelling.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Portugal is one of the most appealing countries where Indians wish to establish a new life in Europe. With its welcoming environment, strong healthcare system and convenient access to the Schengen area, the demand for Portugal PR is rising quickly. Many Indian applicants are now exploring pathways such as the Golden Visa, D7 Visa and other options that lead to Portuguese permanent residency. For those seeking long-term stability, the Portugal PR process offers a reliable and rewarding route.

What is Portugal PR?

Portugal permanent residence allows foreign nationals to live, work and study in Portugal. It provides more stability and freedom, unlike temporary permits. After five years of uninterrupted and legitimate residence in Portugal, Indians can request permanent residency. The benefits include the right to work, healthcare, Schengen travel without a visa and the privilege of becoming a Portuguese citizen.

In short, Portugal PR for Indian nationals is the gateway to secure European settlement.

Benefits of getting permanent residency in Portugal

The Portugal PR benefits extend well beyond residency itself. Some of the most valuable advantages include:

• Visa-free travel: Move freely across all 27 Schengen countries.
• Work opportunities: Take up employment in Portugal without needing further permits.
• Healthcare Access: Benefit from Portugal’s National Health Service (SNS).
• Education: Your children gain access to public schooling and universities at EU rates.
• Family rights: Your spouse, children, and in some cases, parents can live with you.
• Pathway to citizenship: Eligible for Portuguese nationality after meeting further conditions.
• Social security: Access pensions, unemployment benefits and welfare schemes.

These Portugal PR benefits highlight why the Portugal PR process is a smart, long-term investment.

Portugal permanent resident eligibility and requirements

Applicants must meet the Portugal PR requirements to qualify. The main Portugal PR rules are:

• Five years of continuous residence in Portugal
• Minimum age of 18 years
• No criminal record in India and Portugal
• Proof of financial stability or income
• Health insurance worth at least €30,000 covering the Schengen region
• Proof of housing (either rented or owned property)
• Basic Portuguese language knowledge at the A2 level (useful for future citizenship)

Golden Visa investors also need to keep their qualifying investment for five years while meeting minimum stay obligations.

Types of Portugal PR pathways for Indians

There are several ways to secure Portugal permanent residency for Indian nationals, such as:

• Golden visa programme: For investors supporting Portugal’s economy through funds or business ventures.
• D7 visa (passive income): Designed for retirees or those with a steady income, such as rent or pensions.
• D8 digital nomad visa: Perfect for freelancers and remote workers earning income abroad.
• D2 entrepreneur visa: For those starting or expanding a business in Portugal.
• Start-up visa: Geared towards innovators setting up projects in Portugal’s start-up ecosystem.

Each pathway has unique eligibility conditions, so you should select the one that best suits your personal and financial background.

How to apply for Portugal PR

The Portugal PR process can be broken down into the following steps:

1. Select your pathway: Choose the visa type that matches your profile.
2. Apply from India: Submit the visa application at the Portuguese Embassy or Consulate, often through VFS Global.
3. Get visa approval: Once granted, relocate to Portugal.
4. Temporary residence: Register with the authorities and receive your residence card.
5. Maintain residency: Fulfill stay requirements, renew permits and follow investment rules (if applicable).
6. Apply for PR: After five years, apply along with the necessary documents.
7. Local registration: Complete formalities like address registration and obtaining a Portuguese tax number (NIF).

The Portugal PR process time is generally five years, though final approvals may take additional months.

Necessary documents for Portugal PR

You need to prepare:

• Valid passport with at least six months’ validity
• Financial proof (bank records, tax filings)
• Police clearance from India
• Health insurance policy with €30,000 coverage across Schengen states
• Proof of housing (rental contract or property deed)
• Previous residence permits
• Passport-sized photographs and application forms
• Portuguese tax number (NIF)

Does Indian travel insurance work after Portugal PR?

For those applying for Portugal PR for Indian nationals, standard Indian travel insurance is not enough. Here is why:

• Requirement: You must get an appropriate Portuguese health insurance policy to meet your medical needs while living in Portugal.
• Limitation: Indian travel insurance for Portugal is meant for short visits, not residency.

Conclusion

Obtaining Portugal permanent residence is a significant milestone for Indians who want a stable future in Europe. The Portugal PR process time demands patience and commitment, but the rewards are exceptional. With visa-free travel in the Schengen region, work rights, healthcare access and a clear path to citizenship, the Portugal PR benefits outweigh the effort.

By understanding the Portugal PR requirements and following the Portugal PR rules, achieving Portuguese permanent residency becomes both realistic and worthwhile.

Remember, it is easy to secure travel insurance online when planning a trip abroad. The policy covers you against unexpected events, like flight cancellations, baggage lost, medical emergencies, etc.

FAQs

1. How long does the Portugal PR process take for Indians?
   Normally, five years of continuous legal residence.
2. Is the Portuguese language mandatory for PR?
   Not mandatory for PR itself, but needed for citizenship.
3. Can family members be included in a PR application?
   Yes, spouses, children and in many cases parents.
4. What are the main Portugal PR benefits?
   Visa-free Schengen travel, full work rights, family inclusion, healthcare and possible future citizenship.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Spain’s sunny beaches, rich culture and relaxed lifestyle have made it a popular destination for Indians seeking new opportunities. More than 50,000 Indian nationals call Spain their home, making them the third-largest Asian community in the country. With Spain expecting an increase in Indian visa applications in recent years, there has never been a better time to get permanent residency in Spain.

This guide will walk you through the process of applying for Spanish PR.

What is Spain PR?

Spain's permanent residence, also called Residencia Permanente or Tarjeta de Residencia de Larga Duración, is a residence permit for non-EU citizens. It lets you live and work in Spain and enjoy certain national rights, such as access to public health care, education and social benefits. However, you cannot vote or hold public office until you become a naturalised citizen.

Benefits of getting permanent residency in Spain

If you secure a Spain PR from India, you can:

• Travel freely across all 26 Schengen countries without needing additional visas.
• Work in any profession without requiring employer sponsorship.
• Access public healthcare and social security benefits, just like Spanish citizens.
• Study at public schools and universities at local rates.
• Become eligible to apply for citizenship after ten years of residence.

Spain permanent resident eligibility & required documents

To apply for PR in Spain, you must’ve lived legally in the country for a continuous period of at least 5 years.

Here is a list of required documents for a Spain PR for Indian citizens:

• Duly completed form EX-11 (PR form)
• Valid passport and current residence card
• Receipt of application fee
• Proof of five years’ continuous stay
• Clean criminal record in Spain and India, possibly requiring translation
• Bank statements or proof of income
• Proof of tax compliance

It is also advisable to check with your local immigration office for any additional documents.

Types of Spain PR pathways for Indians

If you’re planning to move to Spain, it’s important to choose the immigration route that best fits your goals. Each visa type comes with specific eligibility requirements, documentation and pathways to permanent residence in Spain for Indians.

Work visa

You can apply for a work visa, such as the EU Blue Card for highly skilled professionals or the General Work Visa for other roles. After five years of continuous legal employment in Spain, you become eligible to apply for Spain’s PR.

Study visa

You can apply for enrollment at a public or private university and will initially receive a student visa. After graduation, you may apply for a 12-month job-seeker visa to look for work. Once you secure a suitable employment contract, you can obtain a work visa and apply for a PR after 5 years.

Non-lucrative visa

The non-lucrative visa is designed for retirees or individuals with a stable passive income. You must prove a monthly income of at least €2,400 (INR 2.16 L) from pensions, investments or rental income. You are not allowed to work in the county. After holding a non-lucrative visa for five continuous years, you will be eligible to apply for PR.

Entrepreneur and investment visas

Spain encourages business creation and investment through special visas. The Startup Visa is devised for entrepreneurs with innovative, financially viable business plans and requires approval from ENISA, the Spanish startup agency. This visa allows family members to join you and, after five years, apply for permanent residency.

Family reunification

If you have immediate family already living legally in Spain, you can join them. Eligible relatives include spouses, minor or dependent children and parents of sponsors who have held legal residency for at least one year. Your sponsor must supply proof of stable income and adequate housing. This route often has faster processing times and leads directly to permanent residency.

How to apply for Spain PR?

After moving to Spain, you can proceed to apply for your residency card. To do so, you must fulfil the following requirements:

• Obtain your NIE numbers (foreign tax identification number)
• Acquire health insurance coverage
• Pay the residency card issuance fee
• Provide the required documents
• Start the application process 60 days before the expiration of your current residence permit
• Once you have submitted the necessary documents, expect to receive a letter of approval within 3 months
• Upon approval, you will be called to submit your biometric data (fingerprints) at the police office and receive a receipt.
• 30 days after submitting your biodata, return to the police office with your passport and current residency card to collect your permanent residency card.

Does Indian travel insurance work post getting Spain PR?

No, your Indian travel insurance no longer applies after getting your permanent residency in Spain. However, you must maintain public or private healthcare coverage until you secure full residency benefits under Spain’s Social Security.

Conclusion

Permanent residency allows you to live, work and study freely in Spain while also travelling across the Schengen zone. If you plan to settle there, it’s important to choose the right pathway and meet all eligibility requirements. When travelling for the first time (or making trips related to your residency status), be sure to have proper travel insurance for Spain. This is also a mandatory requirement for travel to Schengen countries. Careful planning today can help you build a life in Spain and secure the path to citizenship in a decade.

FAQs

How long does PR in Spain take for Indians?

It takes about eight weeks after you submit a complete application and fingerprints. Timelines may vary by the number of applications the immigration office receives.

• Can I work in any job with Spain PR?

Yes. Spain PR grants you the right to work in any profession without needing a separate work permit.

• Is travel insurance mandatory for a visa to Spain?

Yes. You must show proof of valid travel insurance for Spain when applying for your initial visa. This is a mandatory requirement for all Schengen countries.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

It’s common for plans to change, especially when you’re away on a trip or holiday. Maybe you decide to stay a little longer because there’s more to explore, or perhaps an important business meeting got postponed.

If you already have a travel insurance policy, you may need a travel insurance extension, since your original policy ends on the dates mentioned, and any extra days won’t be covered.

By applying for trip extension travel insurance, you ensure that medical emergencies, cancellations or other risks remain covered during your extended stay. This article will detail the process, required documents, eligibility criteria and important things to remember before applying.

When is the extension of travel insurance required?

Depending on your policy, eligibility requirements may vary, but there are several situations that may require you to apply for an extension. For example, you might add new stops to your itinerary or face a medical emergency.

Sometimes, national emergencies or unforeseen weather conditions may affect the duration of your stay. Many locations also require mandatory travel insurance, making it essential to apply for an extension to meet travel requirements. In all such cases, you can request a travel insurance extension by paying an additional premium. Travel insurance provides protection in unfamiliar locations, and travelling without an extension can leave you exposed to potential risks.

How does travel insurance extension work?

An extension of travel insurance means your policy continues beyond the original end date. Here is how travel insurance extensions work.
Contact your insurer at least 7–10 days before expiry.

1. Provide updated travel details and the reason for the extension.
2. Fill in the necessary forms, including health declarations.
3. The insurer confirms details about your health, travel history and destination risks. Existing medical conditions may affect approval.
4. The insurer will confirm whether your extension request is accepted.
5. You must thereafter pay the premium for the additional days.
6. You will receive updated policy documents by email.

Steps to extend a travel insurance policy

Travel insurance for extended trips ensures you remain protected without any gaps. Here’s a simple guide on how to extend your policy:

Check your current policy

• Check out the terms of your international travel insurance.
• Confirm eligibility for renewal or extension as per the expiry date.

Contact the insurer.

• Reach out via phone, email, website or mobile app.
• Ask about required documents and process time.

Submit documents.

• Provide extension forms, passport proof of travel, medical certificate (if needed) and your policy number.

Select duration & pay the premium.

• Choose the number of extra days for coverage.
• Pay the revised premium online for quick processing.

Approval & confirmation

• Wait for the insurer’s review.
• Receive written confirmation of your extended holiday insurance.

Eligibility criteria for extending travel insurance

To extend your policy, most insurers require you to meet certain criteria:

• An active policy that is nearing expiry.
  
  
• Payment of any pending premiums.
  
  
• A clean claims record can improve approval chances.
  
  
• Age within the limits specified by the provider.
  
  
• Valid documents, such as ID and travel proof.
  
  
• A qualifying policy type, such as extended holiday insurance.

Details & documentation required for extending travel insurance

A typical request to extend travel insurance while abroad requires certain details and documentation.

Conclusion

A travel insurance extension provides peace of mind when your plans change. It ensures coverage for medical needs, flight delays or other unexpected events during your extended trip.

Be sure to review your policy rules, gather the required documents and apply before your policy expires. With online travel insurance, you can manage the entire process quickly, making your extension as simple as booking an extra night at your favourite destination.

FAQs

• Can I extend travel insurance while abroad?

Yes, most insurers let you extend travel insurance while abroad by submitting an online request along with supporting documents.

• What documents are needed for an ICICI Lombard travel insurance extension?

For an ICICI Lombard travel insurance extension, you need policy details, passport, travel proof, health declaration and medical certificate.

•  Can travel insurance be renewed online?

Yes, providers allow online renewal of travel insurance and extensions through their websites or apps.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

The festive season is on and it’s the perfect time to pack your bags, explore new destinations and bring out the traveller in you. Whether you are planning a domestic vacation or an international trip, the deal is further sweetened by 0% GST on individual and travel insurance plans starting September 22, 2025. Yes, you read it right. If you buy a travel plan (individual or family) on or after September 22, 2025, you don’t have to pay any GST on the base premium. Earlier, such policies were subject to a GST of 18%.

From 18% to 0%: What this means for your travel budget?

The 0% GST on individual and family travel insurance policies can significantly reduce your travel budget. The savings could be substantial if you are a travel aficionado and undertake several trips. Let’s understand how the next-gen GST can help you save big.

Suppose, you are a family of four looking to travel to Thailand and the base premium of your Thailand travel insurance policy is ₹6000. Before September 22, 2025, an 18% GST on it meant paying a total premium of ₹7080 (₹6000 base premium + ₹1080 GST). With GST being removed from September 22, 2025, you can expect a flat savings of ₹1080, which is enough for a special dinner or a memorable family activity on your trip.

The smart traveller’s guide: When to buy your policy?

While the reduction in GST rates to zero will undoubtedly result in savings, it’s essential to strategically plan your purchase to derive maximum advantage. This largely depends on the time of your travel. Here’s how:

• Planning a trip for October or later

If you are planning a trip in the month of October or any time later in the year, it’s advisable to buy travel insurance. In fact, buying your travel insurance now means you’ll pay no GST on your policy, maximizing your savings.

• Travelling within the next two weeks

While everybody loves to save, trip security is non-negotiable. If you are travelling within the next two weeks, safety is paramount and your travel policy. there’s good news: all travel insurance purchased from September 22, 2025, onwards is free of GST. So you can secure your trip and save simultaneously.

• Already bought insurance for a future trip

If you’ve already purchased insurance for a future trip, do note that your coverage is fully active. While the GST paid can’t be refunded, you get complete peace of mind. This is because you know your journey is protected from what-ifs.

Travel with confidence and extra savings

With Indians emerging as globe trotters, the move to slash GST on individual and family travel insurance policies couldn’t have come at a better time. Not only will it make travel insurance more affordable, but also ensure there’s little reason to give it a miss. Affordable and essential, travel insurance is your gateway to worry-free travel and creating everlasting memories.

Ready to plan your worry-free adventure. Get your GST-free travel insurance quote today!

Frequently asked questions

1. Does 0% GST apply to all travel policies?

Ans- 0% GST is applicable only to individual, family and student travel insurance policies.

2. Does this change my coverage for medical emergencies or cancellations?

Ans- No, it doesn’t. The policy benefits, its terms and claims process remain the same. Only the premium you pay gets reduced.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure / policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Related Articles:-
How the New 0% Rate Affects Your Premiums from 22 September 2025
Who Will Benefit Most from the New GST-Free Health Insurance Policy

Before embarking on a trip, securing the right insurance plan is as important as booking the right hotel and packing appropriate clothes. When researching policies, you will see two kinds of travel insurance plans: single trip and multi trip travel insurance.

A single trip travel insurance covers one trip, domestic or international, while a multi-trip plan covers multiple trips annually. Read on to discover the features and benefits of these policies to choose the best insurance policy for your expeditions.

What is single trip travel insurance?

Single trip travel insurance covers a single journey. Your policy begins on the first day of your trip and concludes when you return home. Insurance for single trip is ideal for people who only travel once or twice in a year, whether it's for holidays, a business visit or other reasons

A policy like this covers many travel-related risks, such as cancellations, flight delays, medical emergencies, loss of baggage and more. Many policies provide optional add-ons so that you can tailor the cover to your travel requirements.

The coverage duration varies, depending on your insurer and the terms and conditions of the policy.

What is multi trip travel insurance?

Multi-trip travel insurance covers multiple trips within a fixed time period, usually one year. It is best for frequent travellers, such as working professionals and travel enthusiasts. With one policy that covers every trip you take, you can enjoy convenience, cost savings and comprehensive coverage without having to acquire a new policy for each trip.

Typically, the coverage is valid for 365 days and the maximum stay limit is 180 days per trip.

Difference between single trip & multi trip travel insurance

The table given below highlights the important differences between single-trip and multiple-trip insurance.

Annual or single-trip insurance: what to choose?

Choosing between the single trip and annual travel insurance depends on how often you travel.

The single trip policy is suitable for occasional travellers; each journey has unique requirements and a new policy must be bought for each journey. On the other hand, the multiple trip policy works well for frequent travellers as it covers all trips within the year and ensures continuous protection.

Things to consider when buying a single or multi trip policy

Here’s what one should consider when buying a single trip travel cover:

• Duration of travel and destination

• Trip cancellations or delays

• Policy cost for the specific journey

• Add-on options for extra cover

Things one should consider when buying an annual multi trip insurance:

• Number of trips planned in a year

• Maximum stay allowed per trip

• Affordability of the annual premium

• Convenience of one-time purchase vs. acquiring multiple policies

Conclusion

The different types of insurance policies offer unique benefits. A single trip policy works well for people who travel 1-2 times in a year, while a multi trip policy is a convenient alternative for frequent travellers.

International travel insurance provides support by covering medical emergencies, trip delays and baggage loss overseas. Buying travel insurance online makes the process seamless so you can spend time planning an itinerary and ensuring you pack all travel essentials.

Reviewing your travel frequency, destination and costs ensures you select a policy that matches your requirements and offers reliable protection during every journey.

FAQs

1. Who should opt for the multi trip travel insurance?

It is suitable for frequent travellers who plan several trips within the year.

2. How long does coverage last under a single-trip policy?

It lasts from the start of the journey until you return. The coverage time limit varies depending on the insurer.

3. Can trip cancellation be covered under both trip policies?

Yes, both can include cancellation coverage, but only when the trip is within the policy period.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Every year, thousands of people worldwide move to the Netherlands with the hope of securing permanent residency. For Indian nationals, obtaining a Netherlands Permanent Residence (PR) status allows them to live, work and study in the country without any time restrictions.

In this article, we explore everything you need to know about Netherlands PR for Indian citizens, including eligibility criteria, the application process, key requirements, benefits and more.

What is Netherlands PR?

A Netherlands PR is a permit that allows non-nationals to live there and engage in other activities without time restrictions. The PR permit gives holders long-term security and access to various benefits, similar to those accessible to citizens.

To apply for PR for Netherlands, the individual must have lived in the country for 5 years and also have a residence visa, among other requirements.

Benefits of getting permanent residency in Netherlands

Some benefits of getting a PR in the Netherlands include unrestricted living. Besides, you also get unlimited access to employment and other economic opportunities that can enhance your professional growth.

PR holders can stay in the country indefinitely, even if their life's circumstances change, for example, from employment to unemployment. Additionally, permanent residence opens the way to attain citizenship, which grants beneficiaries all the rights and obligations equal to those of Dutch citizens.

Netherlands permanent resident eligibility & requirements

To qualify as a Netherlands permanent resident, you must meet several key requirements. First, you must have held a valid residence permit for at least five consecutive years and have lived in the Netherlands as your main place of residence during that period.

Additionally, your current residence permit must be for a non-temporary purpose. You are also required to pass the civic integration exam at a minimum of level A2, unless you are officially exempt. You must not pose a threat to public order or safety and must meet the applicable income requirements. Lastly, you should be registered in the Personal Records Database (Basisregistratie Personen or BRP) at your local town hall.

Types of Netherlands PR pathways for Indians

Here are the different pathways used to apply for PR in Netherlands for Indian nationals:

• EU Blue Card: The Blue Card applies to non-EU nationals who have a higher level of education, like a Master's degree and have also worked in the Netherlands for at least 5 years.
• Highly Skilled Migrants (HSM) Program: This pathway favours the highly skilled migrants from outside the EU/EEA who meet the criteria for permanent residence. They should have lived and worked in the Netherlands for a defined timeframe based on individual conditions.
• Long-term residence for Non-EU nationals: You can apply for the long-term residence if you are a non-EU national who has lawfully and continuously lived in the Netherlands for at least 5 years.
• Regular naturalisation: Foreign nationals who have lived in the Netherlands for an extended period, and with a valid residence, work or study permit, can seek citizenship by naturalisation. Afterwards, they can proceed to apply for permanent residence Netherlands.

How to apply for Netherlands PR?

You can complete your Netherlands PR process application online, or apply on paper and mail it. To apply for the PR in the Netherlands via mail, fill your embassy’s application form and attach supporting documents, ID copy and a valid passport. Also, give evidence of your income and civic integration and pay the recommended PR fee. Submit your application by mailing it to the original citizenship embassy and wait for feedback.

Necessary documents for getting PR in Netherlands

To apply for permanent residency (PR) in the Netherlands, you’ll need a valid passport or travel ID, proof that you’ve held a valid Dutch residence permit for at least five years, evidence of sufficient income (such as bank statements or payslips), proof of civic integration, a clean criminal record and copies of your most recent tax returns from India. All foreign documents must be translated and legalised in Dutch, English, French or German.

Does Indian travel insurance work post getting Netherlands PR?

No, Indian travel insurance does not work after obtaining permanent residency in the Netherlands. You need reliable travel insurance to secure your trip overseas, but, once you get the PR, you should consider your insurance needs for the country of residence. That way, you can have the right insurance plans aligned to your present circumstances.

Conclusion

Once you've lived in the Netherlands for five consecutive years, you can start applying for a Dutch permanent residence permit. For Indians to get UK permanent residency, you must follow the proper PR process in Netherlands, prove to have a good criminal record and give evidence of your income and civic integration.

If you plan to travel to the Netherlands for work or study with the intention of applying for PR later, it’s important to have comprehensive travel insurance. This type of coverage provides essential financial protection during your stay, safeguarding you against unexpected events that could disrupt your plans. Having the right insurance in place ensures peace of mind and security throughout your journey.

FAQs

• What's the difference between permanent residency and Dutch citizenship?

PR allows beneficiaries to live and work in the Netherlands indefinitely, while Dutch Citizenship gives full rights, such as the right to participate in elections.

• Can you lose your permanent residency status in the Netherlands?

Yes, you can lose your PR status in the Netherlands if you fail to adhere to the residency requirements.

• What's the main reason for the rejection of permanent residence applications in the Netherlands?

Your PR application can be revoked if you give false information or if you fail to meet all the conditions. For example, if you do not provide income proof, fail to complete your civic integration or if you apply for the PR permit too early.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

France offers Indian citizens more than just culture and travel. It provides quality of life, strong healthcare and access to the EU. Permanent residency (PR) in France is a crucial step for those who are planning to study, work or settle there with family.

Understanding the France PR process in detail will greatly help you, so let’s explore it in this blog.

What is France PR?

French PR is a legal status granted to foreign nationals that allows them to live in the country on a long-term basis. It doesn’t offer full citizenship rights like voting in national elections. However, it grants almost all the other rights that French citizens enjoy, such as the ability to live, work and access public services without needing to renew temporary visas.

Benefits of getting permanent residency in France

Holding permanent residency (PR) in France offers several long-term benefits for Indians planning to settle there. It provides stability by eliminating the need for frequent visa renewals and grants full work rights.

PR holders can access public services such as healthcare, education and welfare benefits. It also allows visa-free travel across 26 Schengen countries.

Additionally, PR enables family reunification by letting you sponsor your spouse and children, and gives you the legal right to purchase property in France.

France permanent resident eligibility & requirements

France PR eligibility for Indians depends on the type of visa held and the duration of legal stay. Applicants must have lived in France continuously for at least five years on a qualifying long-term visa, such as work or family; time spent on a student visa generally does not count.

Financial stability is essential, with proof of steady income through salary slips, tax returns or employment contracts. Basic proficiency in French, demonstrated through a recognised language course or exams like DELF or DALF, strengthens the application.

A clean criminal record, verified by a police clearance certificate from both France and India, is also mandatory.

Types of France PR pathways for Indians

Indians can apply for France PR through several pathways, depending on their circumstances. The most common route is long-term resident status, available to those who have legally lived in France for five consecutive years. This applies to professionals, post-study residents and dependents.

The family reunification route is for spouses or children of French citizens or PR holders, requiring proof of relationship and financial support. The work-based route, including holders of permits like the Talent Passport, allows application after meeting specific employment and residency conditions.

High-net-worth individuals can apply through the investment route by making significant contributions to the French economy. Refugees or those with subsidiary protection may qualify after completing the required continuous stay. Seniors with a long residence history in France may also be eligible to apply after retirement.

How to apply for France PR?

Here are the steps Indian applicants usually follow while applying for permanent residency in France:

1. Submit application: You need to apply at your local prefecture, which is the administrative office handling immigration matters. Be sure to have all your documents ready, like your passport, proof of address and income and health insurance.
2. Attend an interview if required: Some prefectures may invite you for an in-person interview. You might be asked questions about your job, how well you have integrated into French society and your level of French proficiency.
3. Pay the application fee: You must pay a fee that is generally around €225 at the time of submitting your application or after the interview.
4. Wait for the decision: Processing can take a few months. If approved, you will receive your card for permanent residence in France. It is valid for ten years and is renewable.

Necessary documents for getting PR in France

To apply for PR in France, you must submit a valid passport, a current residence permit and proof of address such as a utility bill or rental agreement.

Additional required documents include evidence of continuous stay (residence permits or work contracts), financial records like payslips, bank statements or tax returns, a police clearance certificate, a French language certificate, proof of health insurance, passport-sized photos and a completed application form.

Does Indian travel insurance work post getting France PR?

Once you receive permanent residency in France, you will be eligible to join the French national health insurance system (PUMa). Indian travel insurance is not valid for long-term residents, though it may still be useful for trips outside France. You do not need to buy travel insurance for France post-PR, but instead should register with the French social security system.

Conclusion

Getting Permanent Residency in France is a smart and achievable goal for Indians planning to settle in the country. It brings stability, freedom and access to world-class services. Just make sure that you prepare your documents carefully, plan your application well and meet all the eligibility criteria. And don’t forget to switch your travel insurance accordingly once your PR gets approved.

FAQs

• Who is eligible for PR in France for Indian applicants?

Indians who have legally lived in France for five years with stable income and a clean record can apply.

• What is the process for applying for permanent residency in France?

Submit your documents to the prefecture, attend an interview if needed and wait for approval.

• Can I apply for PR in France after study?

To get PR in France for Indian students, they may need to switch to a work visa. Student years don’t always count fully.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of

New Zealand has become a top choice for Indians seeking to build a life abroad. The nation’s clean cities, strong job market, friendly communities and healthy work-life balance make its appeal easy to understand. Applying for Permanent Residency (PR) in New Zealand is an important step in making that move a reality.

Our guide will take you through everything you need to know about getting New Zealand PR as an Indian citizen.

What is New Zealand PR?

New Zealand’s PR gives you the right to live in the country for as long as you want. It is not the same as citizenship. However, it offers long-term security and many of the same benefits, such as the ability to work, study, or even start a business. You won’t need to worry about renewing your New Zealand PR visa every few years when you are a PR holder.

Benefits of getting permanent residency in New Zealand

New Zealand PR offers several long-term benefits that enhance the quality of life and stability. As a permanent resident, you can work for any employer without a separate work visa, access subsidised public healthcare and enrol your children in public schools and universities at domestic tuition rates.

You can travel freely in and out of New Zealand without renewing travel conditions, and you may be eligible to buy residential property, subject to local regulations.

PR also opens access to certain government-funded welfare services, depending on your income and length of stay.

New Zealand permanent resident eligibility & requirements

Indian citizens seeking New Zealand PR must be under 55 years of age, in good health and free of any serious criminal record. They are required to meet English language criteria, typically through test scores or evidence of prior work or study.

Applicants must also have held a resident visa for at least 24 months and demonstrated a commitment to New Zealand through factors such as physical presence, tax residency, or other recognised indicators.

Types of New Zealand PR pathways for Indians

The most common PR pathways for New Zealand are:

1. Skilled Migrant Category: This is a popular pathway for professionals who have a skilled job offer from an accredited New Zealand employer or are already working in the country. Applicants must score at least 6 points under the new points system, including 3-6 points from a single core factor such as income, NZ qualification or occupational registration.
2. Family Sponsorship: You can apply under the family category if you have a close family member who is a New Zealand citizen or permanent resident. This applies to partners, spouses, dependent children and in some cases, parents.
3. Investor or Entrepreneur Pathway: The investor and entrepreneur pathways are ideal for individuals who can contribute to New Zealand financially or through business. The Active Investor Plus Visa requires a minimum investment of NZ$5 million under the Growth category or NZ$10 million under the Balanced category, with corresponding residence requirements of 21 days over 3 years or 105 days over 5 years. Alternatively, the Entrepreneur Visa caters to those looking to establish or acquire a business in New Zealand, requiring a proven track record and a viable business plan.

How to apply for New Zealand PR?

The New Zealand PR application process begins with assessing eligibility and ensuring all criteria are met. For points-based pathways like the Skilled Migrant Category, applicants must first submit an Expression of Interest (EOI).

If selected, an Invitation to Apply (ITA) is issued, allowing the applicant to submit a PR application via Immigration NZ’s online portal. Medical and police checks are required to confirm health and character, along with supporting documents such as tax records and employment proof.

After paying the application fee and completing all formalities, applicants must wait for processing, which can take several weeks to months. PR is granted upon approval.

Necessary documents for getting PR in New Zealand

You will need to keep the following documents ready to apply for New Zealand PR:

• Valid passport
• Resident visa details
• Job offer letter with role, salary and employer information
• Recent payslips or IRD tax statements
• Medical certificate from an approved clinic
• Police clearance certificates from India and New Zealand
• Proof of relationship if you are applying with family
• Educational certificates and transcripts
• Overseas qualification proof and NZQA assessment if your degree is not listed on New Zealand’s exemption list (LQEA)
• English language test results, like IELTS

Does Indian travel insurance work post getting New Zealand PR?

You are expected to use local insurance options once you become a permanent resident in New Zealand. However, Indian travel insurance online can still be useful in certain cases. This can be when you are travelling on a resident visa before PR is granted, during short visits to India or while visiting other countries from New Zealand.

Conclusion

Getting permanent residency in New Zealand as an Indian can open doors to a world of opportunities. The process takes time and planning. However, it offers long-term peace of mind and security for you and your family once you complete it. Make sure to get all your documents in place and plan your travel insurance for New Zealand accordingly if you are preparing your move.

FAQs

• What are the New Zealand PR requirements for skilled workers?

The main New Zealand PR requirements include holding a resident visa for two years and meeting specific New Zealand PR rules related to employment and time spent in the country.

• How can Indians with a job offer apply for New Zealand permanent residency?

Indian applicants with a skilled job offer must follow the New Zealand PR process for Indian citizens through pathways like the Skilled Migrant Category.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Singapore offers top-notch infrastructure, career opportunities, world-class education and a safe environment, all within a short flight from home. Applying for Permanent Residency (PR) is a logical next step for those planning to settle down there. Don’t worry if you aren’t sure where to start. Our blog will cover all the basics you need to know about becoming a permanent resident in Singapore.

What is Singapore PR?

Singapore PR doesn’t offer full citizenship rights. However, it provides long-term stability and access to several local benefits. It allows foreign nationals to live, work and study there without the need for ongoing visa renewals.

Approved applicants receive a Blue identity card and must hold a valid Re-Entry Permit (REP) to travel abroad while keeping their PR status. The REP is usually valid for five years and can be renewed if you continue to live or work in Singapore.

Benefits of getting permanent residency in Singapore

Singapore PR status comes with several long-term advantages. It gives you job flexibility by allowing you to work for any employer without needing a work pass like an EP or S Pass.

PR holders can access public housing by buying resale Housing and Development Board (HDB) flats, enjoy subsidised rates at public hospitals and clinics and get priority admission for their children in public schools.

Additionally, you can sponsor your spouse and unmarried children under 21 for PR, and after several years, apply for Singapore citizenship.

Singapore permanent resident eligibility & requirements

For the Singapore PR process, Indian applicants must fall under one of the categories defined by the Immigration and Checkpoints Authority (ICA). These include being the legally married spouse or unmarried child under 21 of a Singapore Citizen or PR, an aged parent of a Singapore Citizen, a holder of an Employment Pass, S Pass or EntrePass with stable employment in Singapore or a student who has lived in the country for at least two years and passed a national exam such as the GCE N, O or A levels.

Applicants under the Global Investor Programme must invest at least S$2.5 million in a local business or approved fund. In addition to these categories, ICA assesses applicants based on income, professional and educational background, duration of stay and level of integration into Singaporean society.

Types of Singapore PR pathways for Indians

Here are the main pathways to apply for PR in Singapore:

1. Professional, technical personnel and skilled worker scheme (PTS scheme): This pathway is likely your best fit if you hold an Employment Pass, S Pass or Personalised Employment Pass and have been working in the country for a while.
2. Foreign student scheme: Students who have been in Singapore for at least two years and passed a national-level exam like GCE N, O or A levels may apply under this category.
3. Sponsored scheme: This applies to spouses, legally adopted children or stepchildren of Singapore citizens or PRs. The sponsor must show financial stability and a genuine intention to stay in the country.
4. Global investor programme (GIP): This scheme is designed for high-net-worth individuals, and it requires a minimum investment of S$2.5 million in a local business or GIP-approved fund.
5. Foreign artistic talent scheme: This path might suit you if you have earned recognition in fields like visual arts, music, dance, design or sports. You will need to demonstrate your achievements and commitment to contributing to Singapore’s cultural scene.

How to apply for Singapore PR?

The process of application for Singapore permanent residence is fully digital and managed via the ICA’s e-Service portal. The steps to apply are:

1. Log in to ICA eServices using your Singpass.
2. Choose the correct application type based on your status: working professional, student or family member.
3. Fill out Form 4A and attach scanned copies of required documents.
4. Pay the S$100 processing fee, which is non-refundable.
5. Wait for processing. It takes about 4-6 months. The ICA may call you for an interview in some cases.
6. If approved, complete formalities at the ICA building.

Necessary documents for getting PR in Singapore

To apply for Singapore PR, applicants must submit a valid passport with at least six months’ validity, recent passport-size photographs and a valid Employment Pass or Student Pass.

Required financial documents include payslips from the past six months, income tax assessments for the last three years and an employer recommendation letter.

Educational certificates and transcripts are needed, along with marriage or birth certificates if applying with family members. Self-employed individuals must provide business registration documents. ICA Form 4A and proof of current address in Singapore are also required.

Does Indian travel insurance work post getting Singapore PR?

Your insurance needs a shift once you become a Singapore PR. Indian travel insurance is generally meant for short-term trips and may no longer cover you effectively as a resident. It excludes local medical treatments or long-term health needs. It is best to switch to a Singapore-based insurer for better coverage, especially for hospitalisation or chronic care.

Conclusion

Getting Singapore PR is a smart move for Indians seeking long-term settlement. It makes life in Singapore smoother and sets you up for future citizenship if that is your goal. Just make sure you understand the Singapore PR process, prepare your documents properly and consider updating your travel insurance for Singapore once you make the switch.

FAQs

• How do I start the PR application Singapore process?

Begin your PR application in Singapore online through the ICA portal. Just log in with Singpass, fill out Form 4A, upload your documents and pay the fee.

• What are the main Singapore PR eligibility criteria I should know?

The Singapore PR criteria include your job type, income, education and how long you have lived in Singapore.

• How long does it take to get Singapore PR approved?

The PR application process typically takes between 4-6 months. However, processing time may vary based on individual profiles and document completeness.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Sweden is a top choice for families, students and skilled workers seeking better opportunities. Many Indians choose Sweden for its job prospects, welcoming environment and modern lifestyle. Whether you’re moving or already living there, obtaining Swedish permanent residency is an important step. This blog covers what Indian residents need to know about Sweden PR, including benefits and how to apply.

What is Sweden PR?

Sweden permanent residence allows non-EU citizens to live in the country indefinitely without needing to renew their visa annually. It grants the right to study, work and reside in Sweden without restrictions. Unlike Swedish citizenship, which includes the right to vote and a Swedish passport, PR in Sweden only permits permanent residence. Often, obtaining PR is the final step before applying for citizenship.

Benefits of getting permanent residency in Sweden

Obtaining Sweden PR for Indian citizens offers many benefits. There is no need to renew the residence permit annually and permanent residents can work for any employer without a separate work permit. They gain access to social security, child benefits and public healthcare on par with Swedish nationals. Children can attend government schools free of charge and after several years of holding PR, applicants become eligible to apply for Swedish citizenship. Additionally, spouses and children can join through family reunion provisions, making PR in Sweden for Indian applicants a valuable step toward a stable and secure future.

Sweden permanent resident eligibility & requirements

PR for Sweden requires applicants to have held a work permit for at least 48 months and worked for at least 44 months within the past seven years, meeting all conditions of their current and previous jobs. They must be able to support themselves financially, meet housing requirements and maintain a clean criminal record.

Types of Sweden PR pathways for Indians

To obtain a PR in Sweden after study, there are several pathways that Indians can opt for. It includes the following:

1. Work permit holders: Individuals who have held a work permit for at least 48 months and have worked in Sweden for at least 44 months during the past seven years may apply for permanent residency.
2. Long-term residents: Non-EU citizens who have legally resided in Sweden for five uninterrupted years under any valid residence permits, including work, study or family, can apply for permanent residency.
3. Family reunion: Close family members (spouses, registered partners, children under 18) of Swedish residents with a residence or permanent permit can join and eventually qualify for permanent residency.
4. EU blue card holders: Holders of an EU Blue Card who have lived and worked in Sweden for at least 33 months (or 21 months with proof of Swedish language skills) are eligible to apply for permanent residency.

How to apply for Sweden PR?

The application procedure for PR in Sweden for international students is simple. First, gather all required documents. Then, visit the official Swedish Migration Agency website to complete the online permanent residence application form. Upload the necessary documents, pay the application fee and wait for the decision, which typically takes 3-6 months.

Necessary documents for getting PR in Sweden

When applying for PR, ensure you prepare and submit key documents such as a valid passport, proof of employment (work contract, payslips), copies of your Swedish residence permit, bank statements and proof of Swedish address.

A language certificate is optional but can strengthen your application. Additionally, include income tax documents, a marriage certificate for family reunion cases and a criminal record certificate if requested.

Does Indian travel insurance work post getting Sweden PR?

Once you obtain Swedish PR, you become eligible for the national healthcare system, which covers most medical needs, making Indian policy unnecessary once settled in Sweden.

However, during initial stays or trips abroad, it’s wise to look for travel insurance online and opt for suitable coverage. If family members visit from India, they should also look for insurance policies to ensure protection against unexpected medical expenses.

Conclusion

Obtaining a Swedish PR is a dream for many Indians seeking a better life in Europe. It provides social benefits, job freedom, a stable future and the opportunity to apply for Swedish citizenship. With proper planning, the right documents and legal residency, the path to Sweden PR after study or work can be smooth and successful.

Additionally, securing international travel insurance is essential for comprehensive medical and travel protection during trips between India and Sweden.

FAQs

• How long will it take to acquire a PR in Sweden?

You should apply after 4 years of living and working in the nation.

• Is it possible to apply for PR if I studied in Sweden?

Yes. However, only the work period after the studies will count towards the PR and not the study time.

• Can I bring my family if I receive a PR?

Yes. Your children and spouse can apply for the family reunion visa to obtain a PR later on.

• Is there an interview for PR?

In many cases, there is no need for an interview. However, if more information is required, you will receive a call.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

The way we plan our journeys has changed. We rely on digital tools to manage our travels, insurance and claims before, during and after a trip. The ICICI Lombard travel insurance app is designed for just that. It offers everything from travel insurance and claim management to personal wellness.

The IL TakeCare travel insurance app stands out for being user-friendly and offering a wide range of services under one platform. It ensures on-the-go support and stress-free travel.

What is the IL TakeCare App?

The IL TakeCare insurance app lets you buy, renew and manage your health, motor, travel and home covers on your phone. This smart app combines policy management, health tracking, instant claims and emergency support in a single platform. It’s very effective for frequent flyers and families wanting convenience and control in their insurance experience. The app’s dashboard is designed as user-friendly, so that even newcomers find online policy management and services like ILTakeCare login straightforward and fast.

Features of the ILTC Travel Insurance App

Here are some important features of the app:

• Easy app download: You can download the IL TakeCare app from the Google Play Store or the Apple App Store. The download is fast and safe for any device.
• Health vitals check: You can track key health indicators with a single face scan.
• Anytime medical support: Access 24/7 online doctor consultations and ambulance services worldwide.
• CalScan food checker: Check the calorie count of your meals for healthier travel choices.
• Centralised policy management: Handle all your ICICI Lombard policies, from travel insurance to health and motor, on a single dashboard.
• Wellness insights: Stay motivated with lifestyle tracking, wellness tasks and fitness monitoring under one roof.

Benefits of the ILTC Travel Insurance App

The best travel insurance app doesn’t just store policies; it becomes your all-in-one travel companion. Here are the major benefits of the ILTC travel insurance app:

1. Effortless registration and login: After installing the app on your phone, just enter your mobile number and a secure OTP for IL TakeCare login to access your insurance needs without hassle.
2. Unified insurance control: Seamlessly manage multiple ICICI Lombard policies—travel, health or motor—using one secure account.
3. Digital claims anywhere: Initiate, support and track travel insurance claims online from any part of the world.
4. Quick access to support: In emergencies, reach out for medical help, consult doctors or get details about nearby network hospitals straight from the app.
5. Comprehensive wellness support: Benefit from digital health advice, teleconsultations, medicine ordering and wellness features at every stage of your journey.

How Does the ILTC Travel Insurance App Work?

The IL TakeCare app sets a new standard for hassle-free travel insurance claims:

• Intimate a claim: Tap to report a claim—no calls or emails needed.
• Submit documents or self-inspect: Upload relevant documents for faster processing.
• Track claims in real-time: Follow your claim’s status throughout, ensuring clarity and peace of mind.

How to Download the ILTC Travel Insurance App?

You can download ILTC travel insurance app through the Google Play Store or the Apple App Store. Installation is quick and secure. After the IL TakeCare app download, registration requires your mobile number and an OTP for the IL TakeCare login.

You can also download the app through the official ICICI Lombard website. Visit the site and go to the “IL TakeCare” section to find direct download links or QR codes for both Android and iOS devices.

How to Renew Travel Insurance With the ILTC App?

It is quite easy to renew your travel insurance policy. Follow these steps:

1. Log in to your profile using your IL TakeCare login details.
2. View your active and previous travel insurance policies.
3. Select the policy to renew, update your details if required, and proceed to instant payment.
4. Receive updated policy documents and an e-card for your next journey.

Conclusion

Travel is meant to be liberating, not stressful. With the ICICI Lombard travel insurance app, your travel, health and safety all fit in your pocket. From buying or renewing travel insurance, seeing your health data at a glance, to instant claims, every feature is designed to give you peace of mind. For frequent and occasional travellers alike, this is easily one of the best travel insurance apps for managing journeys and well-being through a single platform.

Next time you pack your bags, let the IL TakeCare insurance app travel with you—for protection that’s always just a tap away.

FAQs

1. Is it possible to file a travel insurance claim through the IL TakeCare app from outside India?

Yes, you can use the ILTC app from anywhere in the world to initiate and track your travel insurance claim. The process is fully digital and works internationally, making it convenient for overseas travellers.

2. Does the IL TakeCare app allow emergency medical assistance during trips abroad?

The app provides 24x7 access to doctor teleconsultations and emergency ambulance services. If you face a medical emergency while travelling, you can use the app to connect with medical professionals or locate the nearest network hospital.

3. Can I manage multiple ICICI Lombard policies, such as health and travel, on the same IL TakeCare app account?

Yes, the IL TakeCare app offers a unified dashboard where you can buy, renew and manage various policies—including travel, motor, and health insurance—all under one login.

Falling sick or getting injured during an international trip is not something you plan for, but it can happen. Medical care abroad is often expensive and dealing with hospitals in a new country can be stressful. That is why you should have travel health insurance. It covers emergency medical costs while you are overseas. Understanding how travel health insurance works is crucial if you plan to travel abroad.

What is travel health insurance?

Travel health insurance is also known as international travel medical insurance. It is a type of policy that offers coverage for medical emergencies when you are travelling outside your home country. This type of insurance helps cover costs, such as hospitalisation, emergency evacuation, doctor consultations and sometimes even dental treatments.

There is often confusion between travel insurance and travel health insurance. While travel insurance may include benefits such as trip cancellations, loss of baggage or flight delays, travel health insurance focuses on providing medical coverage. It is specifically designed for medical-related issues that may arise while you are abroad.

Some common terms associated with travel health insurance are:

• Travel medical insurance international
• Health insurance for overseas travel
• Travel healthcare insurance

Why do you need travel health insurance?

Healthcare in many countries is expensive and your standard health insurance usually won’t cover treatment overseas. Travel insurance health coverage ensures that you receive the necessary financial support in the event of a medical emergency abroad.

It is worth having because of:

• High medical costs: Treatment abroad can cost thousands; insurance helps cover these bills.
• Unexpected emergencies: Illnesses, injuries, or hospital visits can occur at any time. A good policy keeps you protected.
• Evacuation and return: Your insurer can arrange transport to a good medical facility or fly you back home if local care is not enough.

How does travel medical insurance work?

Travel medical insurance is simple to use once you know how it works. You will need to purchase the policy before you travel, by selecting your destination, travel dates and the type of cover—either single-trip or multi-trip.

You will get the policy details and emergency contact numbers after purchase and you should keep them handy throughout your journey. You can call the insurer’s helpline if you need medical help while abroad and they will guide you to a nearby hospital.

The treatment may be cashless if the hospital is part of the insurer’s network. Otherwise, you can pay the bills yourself and apply for reimbursement later by submitting your medical reports, bills and prescriptions once you are back.

Inclusions of travel health insurance policy

Coverage may differ slightly between insurers. However, most plans usually include the following:

• Medical treatment and hospitalisation during your trip
• Accidental injury, disability or death
• Emergency dental care in specific cases
• Medical evacuation to a better facility or back home

Some policies also offer add-ons or tailored plans for students, senior citizens or frequent travellers.

Exclusions of travel health insurance

Most travel health insurance plans also come with a few standard exclusions. These include:

• Travelling against medical advice
• Pre-existing conditions, unless it is clearly stated in the policy
• Injuries from high-risk or adventure activities
• Health issues caused by alcohol or drug use
• Mental health conditions, including anxiety and depression
• Self-harm or suicide attempts
• Situations involving war, terrorism or civil unrest
• Sexually transmitted diseases, including HIV/AIDS

Eligibility criteria for travel medical insurance policy in India

Eligibility for travel medical insurance depends on the type of policy you choose. Different plans cater to different needs, so you can choose one that matches your travel purpose and age group. Let us take a closer look:

• Student plans: These are usually designed for Indian students aged 16 to 35 who are pursuing higher education abroad.
• Family plans: They typically cover one to six members, starting from six months of age. Some plans come with no upper age limit.
• Senior citizen plans: These are available from age 70 onwards.
• Individual plans: You may need these if you are travelling alone or with friends, but not as a family unit.

Conclusion

Dealing with a medical emergency in another country can be overwhelming, both emotionally and financially. Travel health insurance gives you access to better medical care when you need it most, without the added stress of unexpected bills. It is worth reviewing your options and choosing a plan that suits your destination and needs before your trip.

FAQs

1. What is travel health insurance?

Travel health insurance meaning is simple. It covers medical costs if you fall ill or get injured while travelling abroad.

2. What is single-trip travel insurance?

Single-trip travel insurance is useful when you don’t travel frequently. It covers one specific trip abroad.

3. Is travel medical insurance international the same as health insurance back home?

Travel health insurance international only covers you while you are outside India. It does not replace your regular health policy.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Permanent residency (PR) in the UK, also known as Indefinite Leave to Remain (ILR), allows foreigners to live and work in the country without restrictions, provided they meet specific eligibility criteria. In 2023, around 250,000 Indians migrated to the UK, making them the largest immigrant group that year, primarily for work, education and long-term settlement.

This guide explains the PR United Kingdom process for Indians, including eligibility, benefits and how to apply.

What is United Kingdom PR?

UK Permanent Residency (PR) grants individuals the right to live, work and study in the UK without any time limit. PR holders can travel freely, take up any employment and access various public benefits for as long as they maintain their status.

Benefits of getting permanent residency in UK

Obtaining UK permanent residence offers several long-term benefits. PR holders can apply for British citizenship after one year and access a range of social security schemes such as unemployment benefits, family tax relief and pensions. They can also become eligible for housing support, including Universal Credit and council tax reduction.

Additionally, family members can join you in the UK and your children may qualify for British citizenship based on your PR status.

UK Permanent Resident eligibility & requirements

To be eligible for UK permanent residency or Indefinite Leave to Remain (ILR), you must have lived in the UK for at least five years under specific categories. These include Tier 1 (Highly Skilled Workers) and Tier 2 (Skilled Workers with a valid job offer). Other eligible categories include investors, businesspersons, overseas government employees, self-employed lawyers or solicitors and representatives of foreign media.

You may also qualify as a private servant in a diplomatic household, domestic worker, sole representative of an overseas firm or as an international student or research fellow.

As part of the UK permanent residence requirements, you can also apply if you are a family member or partner of a British citizen, a family member of someone holding ILR, a Commonwealth citizen or if you have refugee status, humanitarian protection or Discretionary Leave.

Types of United Kingdom PR pathways for Indians

When it comes to PR in UK for Indian students, the two main pathways are:

• 5-year Skilled Worker Visa Pathway: You begin with a Student Visa, switch to a Graduate Visa, then to a Skilled Worker Visa and finally apply for Indefinite Leave to Remain (ILR) after completing five years of legal residence.
• 10-year Long Residence Route: This route counts the total time spent on valid visas, including student and graduate visas. It suits those planning long-term studies in the UK, such as a master’s or PhD.

Note: Most other PR routes, such as through family or ancestry, are not applicable to Indian students. For this reason, the Skilled Worker pathway remains the most relevant and practical route to PR.

How to apply for United Kingdom PR?

To apply for permanent residence UK, follow these steps:

• Complete the application by filling out the appropriate online application form based on your visa route.
• Pay the required application fee
• Book and attend your biometric appointment at a UKVCAS office to submit your photo and fingerprints.
• Submit the necessary documents.
• Wait for a decision, which is usually provided within 6 months.

Necessary documents for getting PR in UK

To apply for UK Permanent Residency (PR), you must keep the following documents ready: a valid passport, your current visa, proof of English language proficiency and a Life in the UK Test certificate. You’ll also need an employment letter, recent salary slips and bank statements as proof of income.

If you’ve declared additional income, submit supporting documents for that as well. Applicants with business ownership must include relevant documents, and a police clearance certificate may be required in some cases.

Does Indian travel insurance work post getting UK PR?

Indian travel insurance is not designed for individuals who have obtained permanent residency or Indefinite Leave to Remain (ILR) in the UK. Once you become a resident, it’s important to review and choose insurance plans that align with your new status and healthcare needs within the UK.

Travel insurance from India is primarily intended for short-term visitors and tourists.

Conclusion

Securing an ILR is a significant step toward building a long-term future in the UK, offering access to a wide range of opportunities. For Indian nationals, obtaining UK permanent residency typically requires living legally in the UK for 5 to 10 years, depending on the visa type. You must also meet other criteria such as good conduct and English language proficiency.

For those starting with a student visa, the path to PR involves transitioning through various visa stages before becoming eligible for Indefinite Leave to Remain (ILR).

FAQs

• What is the easiest way to get PR in the UK? Is there a shortcut?

There is no shortcut to getting the UK permanent residency. You must follow the entire process of getting the PR. Obtaining PR using deceptive means may result in serious consequences.

• What is the fee to fast-track my ILR application?

To fast-track your ILR decision, you can opt for a priority service by paying £500 (approximately ₹53,145) for a decision within 5 working days or choose the super priority service by paying £1,000 (approximately ₹1,06,290) to receive a decision within 1 working day.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.