Travelling to Bali is a dream for many Indian tourists. With its beautiful beaches, lush forests and rich culture, Bali is a top holiday destination. But before you pack your bags and book your flights, one important question comes up: is travel insurance mandatory for Bali?

Let’s understand the need for travel insurance when visiting Bali, what it covers and why it’s a smart choice.

Do I need travel insurance for Bali from India?

As of now, it’s not mandatory to have travel insurance for Bali. However, it is still a wise decision. Travel insurance can protect you from unexpected medical expenses in case of a health emergency abroad. Additionally, it can reimburse you for expenses if you need to cancel, postpone or cut short your trip due to unforeseen circumstances.

Lost or delayed baggage can be a hassle, but travel insurance can help cover the costs of essential items until your belongings get returned. It also offers personal liability coverage in case of accidental damage or injury.

With travel insurance, you will have access to 24/7 assistance services, ensuring you receive guidance and support during emergencies.

Benefits of getting travel insurance for Bali

Now that you understand the importance of travel insurance for your Bali trip, it’s time to consider the benefits it provides. Let’s explore some of them.

• Financial protection: Travel insurance safeguards your finances by reimbursing you for covered expenses, ensuring you don’t face significant financial burdens due to unforeseen events.
• Peace of mind: Knowing that you have travel insurance offers peace of mind, allowing you to fully enjoy your vacation without worrying about potential mishaps.
• Emergency assistance: In case of emergencies, single trip travel insurance offers access to emergency assistance services, such as medical referrals, translation services, and repatriation to your home country.
• Coverage customisation: Travel insurance policies often allow you to customise coverage based on your specific needs. Whether adding adventure sports coverage or extending your trip duration, you can tailor the policy to fit your requirements.

What coverage should you look for when getting Bali travel insurance?

When choosing travel insurance for Bali, it’s important to ensure your policy covers the essentials. Medical coverage is a priority, especially for emergency hospitalisation and treatment. Your plan should also include protection against the loss of baggage or personal belongings, as well as compensation for flight delays or cancellations.

If you intend to try adventure activities like snorkelling, surfing or hiking, make sure your policy specifically includes adventure sports cover. Additionally, look for provisions for emergency evacuation and return to India if required.

Risks of travelling to Bali without insurance

Here are some risks you may face without travel insurance:

• High medical bills: If you need treatment, even for something small like a stomach infection, you might pay a large sum out of pocket.
• No refunds for cancellations: If your flight is cancelled or you fall sick before travelling, you may not receive any refunds, resulting in a significant loss.
• No support for stolen items: Petty theft and pickpocketing can happen, especially in tourist spots. Without insurance, you can’t claim for lost items.

Conclusion

Travel insurance is not compulsory for visiting Bali from India, but it is strongly advised. For a small cost, you get safety, support and financial protection while enjoying your holiday.

Need help choosing the right travel insurance online? We can guide you to find the best cover for your Bali trip based on your needs. Simply fill out the form on this page to get personal travel insurance advice from our experts.

FAQs

1. Is travel insurance required to enter Bali?

No, it is not mandatory for Indian tourists, but it’s still a wise choice to have it.

2. Can I get travel insurance after booking my flight?

Yes, you can buy it anytime before you start your journey. It’s better to buy it soon after booking your trip.

3. Is insurance needed for adventure sports in Bali?

If you plan to do adventure activities, make sure your insurance includes coverage for them.

Updated on 09 Oct 2025

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.

Travel insurance cancellation policyoffers individuals reimbursement for expenses that cannot be refunded or deferred if they cannot proceed with their trip for various reasons. Some travel insurance providers provide standalone plans specifically designed for trip and flight cancellations. Optional add-ons are available for standard insurance plans. These additions extend beyond typical coverage for flight delays or cancellations.

Cancellation policy for travel insurance

When unexpected circumstances force you to cancel a trip, you often face cancellation fees. Most travel and accommodation providers impose higher cancellation fees the closer you get to the departure or check-in date, resulting in a lower refund. To mitigate these costs, contacting the providers as soon as possible after finalising your cancellation is recommended. This can be done ideally within five days of the event by providing appropriate documentation.

Travel Insurance cancellation policy vary from provider to provider. Depending on when you cancel, you may have to pay a percentage of the total cost.

For the trip cancellation policy to be valid, you must find the reason for cancelling listed in the policy. The event should occur after you purchase the insurance; it should be unforeseen and unintentional. Valid scenarios may include the following:

• the death of a family member
• severe injury or illness affecting you or your family
• damage to your residence
• changes to your paid leave dates from work
• terrorist attacks or natural disasters at your travel destination
• denial of a tourist visa
• having to reappear for an exam
• loss of employment or new employment
• theft of ID or travel ticket

How does trip cancellation insurance work?

Following are a few of the popular ways in which your policy works.

• The primary expenses incurred when cancelling a trip typically include flights and hotel reservations. However, the right travel insurance coverage that includes flight and travel cancellation cover benefits can shield travellers from significant financial burdens.
• Trip cancellation insurance can also prove valuable in situations where delays occur during the trip itself. For instance, if a flight experiences delays due to technical issues, unexpected strikes by airline staff, or natural disasters, travellers may find themselves incurring additional costs for meals or accommodations. With flight delay insurance, the insurer will reimburse travellers for these expenses.

Note: You can purchase a cancellation policy at the travel agency or tour operator’s website when booking your trip.  The insurance cost is typically a percentage (ranging from 4% to 12%) of the total expense of the trip. The price also varies based on the policy you select.

Updated on - 09 Feb 2026

Prague, being the capital city of the Czech Republic, is often described as one of the most picturesque cities in Europe. Its skyline is filled with Gothic spires, baroque palaces and bridges that seem straight out of a fairy tale. With its mix of historical landmarks, hidden corners, bustling markets and seasonal charm, Prague has something to offer every kind of traveller. Explore the best places to visit, the ideal times to travel and essential cultural and travel tips if you are planning a trip to the “City of a Hundred Spires” in this blog.

Top places to visit in Prague

Some landmarks define the very identity of Prague and should not be missed.

Prague Castle: Recognised as the largest ancient castle complex in the world, Prague Castle dates back to the 9th century. It houses the Gothic masterpiece St. Vitus Cathedral, the Old Royal Palace and the colourful Golden Lane, once home to alchemists.

Charles Bridge: Built in 1357, this iconic stone bridge is decorated with 30 baroque statues of saints. Walking across it at dawn or dusk gives the most atmospheric experience with musicians and artists adding to the charm.

Old Town Square: At the heart of Prague’s historic centre, the square features the medieval Astronomical Clock, which still chimes every hour with mechanical figures. The Gothic Church of Our Lady before Týn and pastel-coloured baroque houses add to its beauty.

Wenceslas Square: A central boulevard with a strong historical significance, particularly during the Velvet Revolution of 1989. Today, it is lined with shops, restaurants, hotels and the National Museum at one end.

Jewish Quarter (Josefov): The area offers a moving insight into Prague’s Jewish history, with well-preserved synagogues, the Old Jewish Cemetery and the Jewish Museum.

Things to do at Petřín Hill and Observation Tower

Petřín Hill is a popular green space where locals and visitors escape the bustle of the city.

Climb the Observation Tower: Resembling a smaller version of the Eiffel Tower, this structure offers 360-degree views across Prague, especially rewarding at sunset.

Explore the Mirror Maze: A fun attraction with quirky mirror illusions, ideal for families or travellers looking for something different.

Visit the Rose Gardens: Particularly beautiful in spring and summer, they are one of the most romantic spots in Prague.

Take the Funicular Railway: Running since 1891, it provides an easy and beautiful way to reach the top of Petřín Hill.

Relax in the Parks: Petřín is dotted with peaceful walking paths, statues and shaded benches, making it perfect for a leisurely day outdoors.

Lesser-known attractions in Prague

Prague is more than its famous landmarks. These hidden spots give you a deeper sense of the city:

Vyšehrad Fortress: A historic fort older than Prague Castle, offering panoramic river views and housing the Basilica of St. Peter and Paul. It also contains a cemetery where many of the Czech Republic’s cultural icons are buried.

John Lennon Wall: A constantly evolving canvas of street art and political messages, it became a symbol of peace and freedom during Communist rule.

Strahov Monastery and Library: Beyond the monastery’s religious significance, the library halls here are among the most ornate in the world, filled with centuries-old manuscripts.

Kampa Island: A tranquil retreat along the Vltava River, featuring leafy parks, open-air art displays, and the famous “Crawling Babies” sculptures by artist David Černý.

Dancing House: A modern architectural wonder by Frank Gehry, nicknamed “Fred and Ginger,” stands in contrast to Prague’s classical skyline. It now houses a gallery and rooftop restaurant.

Local markets and hidden gems in Prague

Markets in Prague are ideal for experiencing local life and shopping beyond the tourist souvenirs:

Havelský Market: Operating since 1232, it is the oldest functioning market in the city. You can buy fresh produce, flowers, handmade crafts, and traditional sweets.

Náplavka Farmers’ Market: Located along the riverbank, this Saturday market is popular with locals for organic vegetables, craft beers, and live music performances.

Jiřího z Poděbrad Farmers’ Market: Known for seasonal produce, street food stalls, and authentic Czech delicacies, it has a more community-driven atmosphere.

Prague Christmas Markets: Held in Old Town Square and Wenceslas Square, they transform Prague into a winter wonderland with mulled wine, chimney cakes, and hand-carved toys.

Holešovice District Markets: A less touristy option where locals shop, offering antiques, vintage clothing, and affordable street food.

Best walking tours to explore Prague

Walking tours are one of the best ways to uncover Prague’s layered history and stories:

Old Town and Jewish Quarter Tour: Explore the medieval streets, the Astronomical Clock, and the poignant synagogues of Josefov.

Castle District Tour: Guides lead you through Prague Castle, St. Vitus Cathedral, the Old Royal Palace, and the charming Golden Lane.

Beer and Brewery Tours: Prague is famous for its beer, and these tours let you visit historic pubs and taste different Czech brews.

Ghost and Legends Tours: An evening walk through the darker alleys of Prague, sharing chilling stories of hauntings and medieval legends.

Art Nouveau and Cubist Architecture Tours: For those interested in design, these tours explore Prague’s unique architectural heritage beyond the Gothic and Baroque.

Prague’s cafés and local cuisine experiences

Food is an essential part of Prague’s cultural identity, and its café scene has a long history. Here are some local cuisines and cafes you must visit:

Café Louvre: Established in 1902, this café was once frequented by intellectuals like Kafka and Einstein. It remains a popular spot for traditional Czech desserts.

Café Savoy: Known for its opulent interiors and hearty breakfasts, this café perfectly blends old-world charm with local flavours.

Try Traditional Dishes: Svíčková (beef sirloin in creamy sauce with dumplings), Trdelník (a sweet pastry rolled in sugar and nuts), and Czech-style goulash are must-tries.

Pilsner and Local Beers: The Czech Republic is the birthplace of pilsner beer, and tasting it in Prague’s historic breweries is a must.

Modern Czech Cuisine: Restaurants in districts like Karlín offer modern takes on traditional Czech food, blending innovation with authenticity.

Best time to visit Prague

The best time to visit Prague is during the Spring (April-June) and Fall (September-October) seasons when the weather is milder and the city witnesses fewer crowds. Summer months (July and August) can be quite busy with tourists, while winter offers a magical atmosphere, especially during the Christmas season.

Seasonal guide: Prague in spring, summer, autumn, and winter

Here's what you can expect when you visit Prague in each season:

Spring: Mild weather, blossoming parks and fewer crowds make it an ideal time for sightseeing. Petřín Hill is especially vibrant.

Summer: Warm temperatures, outdoor concerts and lively beer gardens. However, expect peak tourist numbers and higher prices.

Autumn: Colourful foliage along the Vltava River, harvest festivals and a quieter atmosphere. Ideal for photographers.

Winter: Christmas markets, snow-dusted rooftops and festive decorations give Prague a fairy-tale atmosphere. January and February are colder but less crowded.

Festivals and events you shouldn’t miss in Prague

Here are some festivals and events you should experience while in Prague:

Prague Spring International Music Festival: This is a major classical music festival held annually in May, featuring international orchestras and soloists performing in historic venues across Prague.

Signal Festival: Signal Festival is a digital and light art festival held every October. It transforms Prague’s landmarks into illuminated art installations created by Czech and international artists.

Czech Beer Festival: This festival, held in May, celebrates Czech brewing traditions and offers visitors hundreds of Czech beer varieties to sample from multiple breweries.

Christmas and Easter Markets: Prague’s Christmas and Easter markets are held during the respective seasons. They feature traditional crafts, local food, and festive decorations, primarily at Old Town Square and Wenceslas Square.

United Islands of Prague Festival: This is a multi-genre music festival held on the islands of the Vltava River. It showcases over 100 musical acts from different genres and has been held annually since 2004.

Travel insurance for Prague

Travel insurance is an important part of planning your Prague trip. It ensures you are financially protected in case of unexpected events.

Medical Coverage: Hospital stays, accidents, or emergencies can be costly without travel insurance online.

Trip Cancellations: Get reimbursed for cancelled flights or hotel bookings due to unforeseen circumstances.

Lost Baggage and Documents: Provides assistance if your luggage or passport is lost or stolen.

Adventure Activity Cover: Some policies include protection for hiking, cycling, or other activities you may try in Prague.

24/7 Assistance: Many insurers provide emergency support services for travellers abroad.

Conclusion

Prague is a city that combines history, art, architecture, and culinary traditions in a unique way. From its world-famous landmarks like Prague Castle and Charles Bridge to hidden treasures like Vyšehrad Fortress and Kampa Island, every corner offers something special. Whether you’re sipping coffee in a historic café, walking across a medieval square, or enjoying a music festival, Prague leaves an impression that lasts long after you leave.

While you plan your Prague trip and explore the city’s attractions, let us take care of unexpected events during your journey. Get personalised single trip travel insurance advice and solutions by filling out the form provided on this page.

FAQs

1. How many days are enough to see Prague properly?

Three to four days allow you to explore the main attractions and hidden gems without rushing.

2. Is Prague safe for solo travellers?

Yes, Prague is considered one of the safer European capitals, though travellers should watch out for pickpockets in crowded areas.

3. What is the best way to get around Prague?

The city has an efficient public transport system, including trams, buses, and the metro. Walking is also highly recommended for the historic centre.

4. Do I need a visa to visit Prague?

Travellers from the EU, the US, the UK and several other countries may enter visa-free for short stays. Always check the latest visa rules before travel.

5. What currency should I carry in Prague?

The currency is the Czech koruna (CZK). While some places accept euros, it is better to pay in koruna to avoid poor exchange rates.

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.

As the world’s entertainment capital, Los Angeles is known for its thriving film industry, iconic landmarks, and diverse cultural experiences. From the glitz and glamour of Hollywood to the stunning beaches, this bustling metropolis offers a wide range of attractions and activities for visitors of all ages. Explore world-class museums, indulge in delicious cuisines, and soak up the California sunshine as you immerse yourself in the cosmopolitan atmosphere. Whether you’re a fan of art, music, or sports or simply seeking a memorable vacation, There are various places to visit in Los Angeles that has something to offer everyone. With the right travel insurance, you can explore the endless possibilities in the City of Angels without worrying about unexpected bills.

Top places to visit in Los Angeles

• Universal Studios Hollywood
• Los Angeles County Museum of Art
• Venice Beach
• Little Tokyo
• Olvera Street

1. Universal Studios Hollywood

Spanning over 400 acres, this is among the best places to visit in Los Angeles to gain a captivating glimpse into the inner workings of Hollywood. The story began in 1915 when Carl Laemmle introduced the Universal City studios, allowing the public to observe movie-making for a fee. Initially, spectators joyfully gathered above dressing rooms, cheering for their favourite stars. Fast forward to 1964, Universal Studios Hollywood theme park opened its doors for Studio Tour.

Things to do at the Universal Studios Hollywood

Following are a few of the most favoured things to do at Universal Studios Hollywood.

• Admire iconic props and characters like King Kong and Jaws.
• Explore 13 blocks of movie and TV sets.
• Feel the thrill of simulated earthquakes and avalanches.
• Encounter animated figures from The Secret Life of Pets.

2. Los Angeles County Museum of Art

Established in 1910, the museum was initially part of the Los Angeles County Museum, dedicated to History, Science, and Art. However, it became a separate establishment in 1961 and relocated to its current site in 1965. The museum originally consisted of three buildings designed by William L. Pereira Associates. Peter Zumthor designed a new space, and construction began in 2020.

Things to do at the Los Angeles County Museum of Art

Following are a few of the most preferred things to do at the Los Angeles County Museum of Art.

• Explore modern art galleries with iconic pieces like Andy Warhol’s Campbell’s Soup Can and Pablo Picasso’s Weeping Woman with Handkerchief.
• Enjoy Jazz at LACMA every Friday evening from April to November.

3. Venice Beach

It is a bustling facility managed by the Department of Recreation and Parks. It attracts visitors worldwide, with around 28,000 to 30,000 people visiting the Venice Beach Boardwalk and surrounding areas daily. The Recreation Center offers activities like basketball, paddle tennis, handball tournaments, and bodybuilding at the famous Muscle Beach Venice gym. Additionally, there are fishing piers, a renowned skate plaza, bike paths, children’s play areas, and services catering to the diverse population that visits throughout the year.

Things to do at the Venice Beach

Following are some of the most popular things to do at one of the amazing places to see in Los Angeles, Venice Beach,

• Experience trendy Abbot Kinney Boulevard with stylish boutiques, restaurants, and bars.
• Enjoy shows by street performers.
• Visit Small World Books, a peaceful haven amidst Venice Beach.

4. Little Tokyo

Little Tokyo is the focal point of the largest Japanese-American community in North America. Established in the early 1900s, this vibrant neighbourhood holds great significance in Southern California as a hub for Japanese American culture. In 1995, it received recognition as a National Historic Landmark District. One can trace Little Tokyo’s origin to 1885, when Charles Hama, also known as Hamanosuke Shigeta, a former sailor, inaugurated the Kame Japanese Restaurant on East First Street.

Things to do at Little Tokyo

Following are a few of the most famous things to do in Little Tokyo.

• Check out the Japanese American National Museum for cultural exhibits.
• Check out Nisei Week Japanese Festival for summer celebrations.
• Try refreshing mochi ice cream flavours

5. Olvera Street

Olvera Street in Los Angeles is a vibrant hub of Mexican culture, showcasing colourful crafts, artisan shops, and tempting aromas from its eateries. Situated in the oldest part of the city, this pedestrian path is lined with an array of shops and food stalls, leading from the Central Plaza to Cesar Chavez Avenue. As part of the El Pueblo de Los Angeles Historical Monument, Olvera Street offers visitors a glimpse into the city’s past with its well-preserved buildings and plazas.

Things to do at the Olvera Street

Following are a few of the most celebrated things to do at Olvera Street.

• Check out the numerous Mexican restaurants catering to different preferences.
• Spend time at museums and historical sites, and watch live music performances on Olvera Street.
• Its proximity to Union Station allows easy access to attractions like Chinatown and the Broad Museum.

Best time to visit Los Angeles

The ideal time to visit Los Angeles is from March to May and September to November. These months provide enjoyable weather, improved air quality, and fewer crowds. With clear skies, it’s the perfect time for sightseeing and exploring outdoor attractions. December to February sees frequent rainfall, while January to April is the least crowded period in this Southern California city.

Travel insurance for Los Angeles

Getting visitors’ medical insurance is crucial for saving money in case of unexpected accidents or illnesses. Investing in travel insurance is wise, considering the toll of beach activities and the desire to enjoy the city on vacation. When choosing insurance, ensure it covers pre-existing conditions. Trip cancellation insurance also covers the high transportation and lodging costs in Los Angeles. It provides reimbursement for prepaid, non-refundable travel expenses in case of unexpected circumstances.

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.

ICICI Lombard Health Insurance Cashless Network Hospital List in Barshi, Maharashtra

Explore ICICI Lombard’s health insurance policies :

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

Are you looking to travel and explore India’s stunning landscape while minimising your carbon footprint? Look no further than eco-tourism! This buzzword has been gaining prominence in India, and for a good reason. With a diverse landscape that ranges from the snow-capped Himalayas to the tropical beaches of the south, there is no shortage of destinations to explore.

This article will help you discover India's most environmentally conscious destinations, namely Sikkim, Himachal Pradesh, Kerala, Nagaland, Meghalaya, West Bengal, Orissa, and Assam. We’ll also share some tips to help you become an eco-friendly traveller. So, pack your bags and get ready to explore the top eco-friendly places to visit in India in 2023.

What is Eco-tourism?

Wondering what is eco tourism?

Eco-tourism is sustainable tourism that minimises tourism's negative environmental impact while supporting the local economy and promoting conservation efforts. One can identify this type of tourism by small group sizes, low-impact accommodation, and knowledgeable guides who share information about the area's environment and culture.

This approach helps visitors develop an appreciation for the importance of conservation and biodiversity. By choosing eco-tourism, we can minimise the negative impacts of tourism and help preserve the beauty of our planet for future generations. Whether you're an avid adventurer or simply seeking a relaxing getaway, eco-tourism offers a chance to make a positive impact while enjoying all our world has to offer.  

How Eco-tourism Helps Reduce Ecological Effect of Tourism

Eco-tourism is a form of responsible travel that focuses on preserving and protecting the environment and culture of a destination. It helps reduce the ecological impact of tourism in several ways. It raises awareness about environmental issues such as waste reduction, wildlife protection, and energy conservation and encourages tourists to adopt responsible behaviour. Eco-tourism also promotes the use of environment-friendly transportation modes and sustainable accommodation. Also, eco-friendly tourism aids conservation efforts by funding environmental research, habitat restoration, and wildlife protection initiatives. Hence, ecotours can minimise the negative impact of tourism on the environment by promoting responsible tourism practices and supporting conservation efforts, thereby promoting the sustainable development of local communities.

Top Eco Friendly Destinations in India

• India’s rich history and diverse cultural heritage make it an attractive ecotourism destination. Be it the majestic Himalayas or the serene backwaters of Kerala, there is a multitude of travel options to choose from in terms of cultural experiences in India. Adventure tourism is equally appealing to tourists.
• With the rising awareness of the impact of travel on the environment, there has been increasing awareness of eco-friendly tourism.
• Travellers are becoming increasingly conscious and looking for tourism opportunities that are sustainable, responsible, and in harmony with nature. Several major tourist destinations have started promoting sustainable tourism practices and offering unique experiences that blend conservation with recreation.
• The Indian government has promoted eco-friendly tourism and sustainable travel, including implementing ecotourism policies and guidelines like the “National Strategy for Ecotourism 2022”.

Some popular ecotourism destinations in India include:

1. Sikkim

Sikkim is an eco-friendly destination with breathtaking natural beauty and rich cultural heritage:

• Sikkim is India’s first and only fully organic state, with a commitment to sustainable agriculture and tourism.
• The state has established several protected areas, including the Khangchendzonga National Park and Biosphere Reserve, the Singba Rhodendron Sanctuary, the Fambong Lho Wildlife Sanctuary, the Maenam Wildlife Sanctuary, and the Varsey Rhododendron Sanctuary, to preserve its unique flora and fauna.
• Sikkim has a diverse range of ecotourism activities, including trekking, birdwatching, and nature walks.
• Major tourist destinations in Sikkim include Gangtok, the capital city with stunning views of the Himalayas, and the Yumthang Valley, known for its hot springs and rhododendron forests.
• Other popular destinations include the Tsomgo Lake, a glacial lake surrounded by snow-capped mountains, and the Nathu La Pass, a historic trade route between India and Tibet.
• Visitors to Sikkim can experience the state’s unique blend of natural beauty and cultural heritage while contributing to sustainable tourism practices.

Are you ready to witness one of nature's most spectacular displays? Imagine standing in awe under a star-filled sky as the colours of the Northern Lights dance across the horizon. This breathtaking natural phenomenon is a bucket list item for many, and there are several top locations around the world where you can experience the magic of the Northern Lights. From the Tundra of Swedish Lapland to the charming city of Rovaniemi in Finnish Lapland and the rugged wilderness of Yukon in Canada, each destination offers its unique blend of adventure, culture, and natural beauty. So, pack your bags, grab your camera, and get ready for an unforgettable journey to witness the beauty of the Northern Lights in these top locations.

What are Northern Lights and What Causes Them?

Northern Lights, also known as Aurora Borealis, are a natural phenomenon that occurs in the night sky in the polar regions, primarily in the Arctic. They are a breathtaking display of shimmering green, pink, red, blue, and purple lights that dance across the sky in a mesmerising view.

The Northern Lights is a result of the interaction between the charged particles from the Sun and the Earth’s magnetic field. These particles, known as the solar wind, are continuously ejected by the Sun and travel towards the Earth at high speeds. As they enter the Earth’s magnetic field, they interact with the charged particles in the Earth’s atmosphere, causing them to emit light.

The altitude at which the particles collide with the atmosphere determines the colours of the Northern Lights. Oxygen molecules at a height of around 60 miles cause green lights through collisions, while collisions with oxygen molecules at over 200 miles altitude cause red lights. Collisions with nitrogen molecules at lower altitudes cause blue and purple lights.

Two main factors influence the intensity of the Northern Lights - the strength of the solar wind and the stability of the Earth's magnetic field. The Northern Lights can be exceptionally bright and visible, even in lower latitudes when the solar wind is strong with Earth’s magnetic field disruptions. On the other hand, if the solar wind is weak or the Earth’s magnetic field is stable, the Northern Lights can be less visible or absent.

Updated on 27-03-2025

Are you dreaming of exploring the world and experiencing different cultures? Well, you can't do that without a Passport! As the saying goes, “the world is a book, and those who do not travel read only one page.” However, before you can start planning your travel sojourns, you need to get your Passport.

But hold on a second! Do you know what are the documents required for Passport application in India? It can be confusing to figure out the correct documents and requirements, especially if you are a first-time applicant. But fret not, as we are here to guide you through the process and make it as simple as possible.

In this blog, we'll be covering all the documents required for Indian Passport application, whether you're applying for a Passport for the first time, renewing an old one, or getting one for your child. So sit back, relax, and read on to find out the requirements for Passport documents.

Documents Required to Apply for a New Passport 

The documents required for a Passport for an adult’s application in India include proof of identity, address, and age.

• Identity Proof with Photo- To establish identity, one can provide any of the following documents for a Passport – an Aadhaar Card, Voter Card, PAN Card, or driving license.
• Proof of Address- For proof of address, a variety of documents are acceptable, including electricity bills, rent agreements, bank account passbooks, and certificates from employers on company letterheads.
• Proof of Age- To establish proof of age, an applicant can submit his/her birth certificate issued by the municipal corporation, an official letter from an orphanage, a school leaving certificate, or a policy bond issued by a life insurance company.

Other documents required for a Passport, such as an income tax assessment order, an educational certificate, or a spouse’s Passport copy, may also be submitted.

Which Documents Are Needed for a Passport Appointment? 

All submitted documents must be self-attested and provided in their original form with photocopies that are clear and legible. An applicant must present original documents for verification at the time of submitting his/her application during a passport appointment. Additionally, some countries may require travellers to have travel insurance as a prerequisite for obtaining a visa or entering their borders.

If you’re uncertain about the documents required for an adult’s Passport application in India, refer to the official Passport website or contact the Passport office for further assistance.

Documents Required for an Indian Passport for a Minor

If you're applying for a minor’s Passport in India, there are specific documents that you must provide as per the requirements for Passport issuance. Here are the necessary documents for a minor’s passport application:

• Identity Proof: Aadhaar Card, parents’ Passport copy attested by them.
• Address Proof: Parents present address proof, including a Passbook of a running bank account, electricity bill, utility bill, rent agreement, landline bill, mobile bill, or gas connection proof.
• Age Proof: A birth certificate issued by the municipal corporation, a declaration from an orphanage on official letterhead confirming the applicant’s date of birth, a school leaving certificate, a mark sheet of Class X, or a policy bond issued by a Public Life Insurance company which states the date of birth of the policyholder.

If you’re uncertain about the documents required for a minor’s Passport application in India, we recommend checking the official Passport website or contacting the Passport office for further guidance. Remember to double-check that all documents are up-to-date and valid before submitting your application to avoid any delays in processing.

Documents Required for Re-Issue of Passport 

To get your passport re-issued due to a change in name, address, or its expiry, these are the documents you need- 

1. Old Passport
2. A document explaining the need for re-issuing of the passport 
3. Latest proof of address 

Documents Required for Minors for Re-Issue of Passport 

The documents for getting a minor’s passport re-issued are- 

1. Old Passport
2. Copies of parent’s passport 
3. Latest proof of address
4. Annexure D (filled and signed) 

Documents Required for Passport Renewal 

The Passport Seva portal provides a Document Advisor, which lists all the important documents required for Passport renewal. To view the documents, a user would have to select the option for renewal. The following documents are necessary for Passport renewal in India:

• The original old Passport
• Self-certified copies of the initial two and final two pages of the Passport
• Self-certified copy of the observation page (if any) issued by the Passport Issuing Authority
• Self-certified copy of the ECR/Non-ECR page
• Evidence of documents that remove the cause, if any, of the Short Validity Passport (SVP) issuance
• Self-certified copy of the Short Validity Passport (SVP) validity extension page, if any

It's essential to note that if you’re applying for a renewal more than three years after your Passport’s expiry date, you will be required to submit additional documents, including a new police verification report.

Documents Required for Tatkaal Passport 

In case you need a Tatkaal passport, have the following documents with you- 

1. Aadhaar Card
2. Proof of urgency 
3. Annexure F (Verification Certificate) 
4. Documents required for new or re-issuing of passport 

Documents Required for Availing Diplomatic/Official Passport 

A diplomatic passport (official passport) is for government officials. It requires- 

1. A Letter of Approval from the Ministry
2. Identity proof from the government 
3. Age proof
4. Address proof

How to Apply for a Passport?

Applying for a Passport in India is easy and convenient.

1. To begin the Passport application process, you must first register on the Passport Seva Online Portal by selecting the “Register Now” option on the homepage.

2. Once you have created a login ID, proceed to the next step by clicking on the “Apply for Background Verification for GEP” link and providing the necessary information before submitting the form.

3. You can then schedule an appointment at your nearest Passport Seva Kendra (PSK)/Regional Passport Office (RPO) by clicking on the “Pay and Schedule Appointment” link, where you must make an online payment using a credit/debit card, internet banking, or UPI.

4. Once you have completed the payment process, you can obtain your application receipt by selecting the “Print Application Receipt” link. However, printing the application receipt is no longer necessary, as you can present the SMS with your appointment details when you visit the Passport Office. On the day of your appointment, ensure that you bring your original documents to the PSK/RPO. While travelling abroad, many applicants also consider obtaining health insurance for international travel.

FAQs 

Is Aadhaar card enough for an Indian Passport?

No. You can use the Aadhaar Card along with other documents, such as a birth certificate or school leaving certificate, to establish proof of date of birth, address, and citizenship. As supporting documents, you must submit additional documents, such as a PAN Card, Voter ID Card, or driver’s license.

Is 10th Marksheet required for an Indian Passport?

The answer is no; a 10th Marksheet is not mandatory for a Passport application.
However, you can use it as an age-proof document along with other documents, such as a birth certificate or a school leaving certificate. 

Is a birth certificate compulsory for an Indian Passport?

The birth certificate as age proof is not mandatory when it comes to documents for Indian Passport application. In case the birth certificate is unavailable, you can submit a school leaving certificate or a declaration from a magistrate or notary as an alternative commonly accepted document for age proof.

Is it mandatory to carry original documents to passport appointment?

Yes, original documents are needed for verification during a passport appointment. 

Conclusion 

Knowing the documents required for obtaining and renewing of Indian passport allows you to plan before your passport appointments. Having the original papers and copies with you helps smooth and fasten the process. If you plan a trip abroad, look for good international travel insurance to make your travel easy and enjoyable. Get your papers in order and prepare for an unforgettable adventure around the globe!

Also Read

• Passport Application Reference Number
• How Many Days Does It Take to Get a Passport?
• What Is File Number in Passport?
• How Much Does a Passport Cost?
• All You Need to Know About Passport for Minors

Updated on - 21 May 2026

The majority of us desire the experience of travelling. One doesn't need a reason to travel, but let's also be mindful of the likelihood that unfavourable circumstances may occur while we are away from home. A travel insurance plan will make up the difference financially and socially for damages incurred. Most significantly, a robust travel insurance plan will expand the coverage to such circumstances if you inadvertently injure a third person or someone's property. The range of damages covered by personal responsibility or personal liability in best travel insurance extends from the lowest to the highest. If one is at fault, he/she must comply with the person's request to make up for the loss. Your travel insurance plan's liability coverage will be helpful in this situation.

What Is The Meanig Of Personal Liability?

Generally, personal liability is the scenario in which you are legally accountable for an accident that causes property damage or physical harm, whether inside or outside your house. If your carelessness results in another person losing money or damage to property, you are personally responsible. You are also accountable for the loss, even though it is unintentional. So, your legal obligation to the person is known as personal liability. This also extends to any third-party injury or harm. In other words, you are subject to personal responsibility if a third party holds you accountable for the losses or damages. For instance, a guest suffers an injury in your home, or your kid breaks something like a window pane in a neighbour's house.

Accidents or untoward incidents can occur anytime and anywhere. This can take a severe turn, particularly if you get involved in an unforeseen circumstance while travelling. You may attempt to absolve the issue by resolving it legally if you consider that your conduct did not directly contribute to the other person's losses. If you purchase the right travel insurance coverage, it will be simpler to lessen the effects of personal responsibility costs with the help of personal liability cover in terms of travel insurance. Knowing that your travel insurance company will represent you in all interactions with third parties may give you peace of mind.

Is Personal Liability Cover Mandatory with International Travel Insurance?

If you're accountable for someone else's losses or injuries, personal liability coverage, also known as personal liability insurance coverage, safeguards your finances. Your family members are also covered, so you could be protected if your child unintentionally damages an expensive vase at a neighbour's house. The homeowners’ and renters’ insurance plans must include personal liability cover.

As the first measure before departing on your much anticipated international trip, avail of international travel coverage in India for a secured journey free from financial stress. Let us go over some situations where having health insurance while travelling abroad is necessary.

First and foremost, personal liability travel insurance helps us in many ways during medical emergencies. A medical problem is the last thing you want to encounter when your goal is to discover a new location and maximise the opportunity to know about the place and its culture. The right international travel insurance plan protects you by paying for your medical costs. Unexpected events can increase the cost of your travel-related expenses, like losing your baggage or Passport or simply having your journey delayed by inclement weather. Also, in the event of any trip interruption or cancellation, the coverage will pay for the unforeseen expenses you need to spend on travel and lodging.

Although it is not mandatory to purchase international travel insurance for some countries, buying one to travel hassle-free makes sense. Remember to check whether the policy you want to buy includes personal liability insurance coverage.

What Are The Features of Personal Liability Cover in Travel Insurance?

All travellers should give personal liability coverage in their travel insurance some thought. In your native country, you could have dealt with similar cases that involve third-party losses and survived unscathed. If you are a foreigner, this would not be the case. The rules also vary from country to country, and there might be a possibility of the authorities withholding your Passport or cancelling your Visa.  

The best part about travel insurance personal liability cover is that it does not just apply to minor accidents and injuries. Personal liability travel insurance covers a broad range of factors, such as the ones listed below:

• Damage to a third party’s property while you are travelling in a foreign country.
• Any harm or damage to a third party’s vehicle while you are driving.
• Costs related to the claim settlement process and hiring attorneys if required, although this depends on the extent of coverage your plan provides.
• In case you are at fault, your insurer will pay for the medical expenses or other costs related to the damage suffered by the third party.
• Third-party accidental death benefit, although this depends on the extent of coverage of your plan.
• Payment for loss of income of the third party brought on by your negligence, but this depends on the terms and conditions and sum insured of your policy.

Therefore, these are considered the primary aspects of personal liability coverage that travel insurance policies follow.

Complete List Of Benefits Of Personal Liability Cover

If you are found accountable to a third party under your legal or personal liability insurance coverage, your insurer will pay those costs up to the predetermined sum insured or limit. But there are several advantages to opting for personal liability insurance coverage, such as:

• While you are travelling with family or small children, any harm caused by them can also render you personally accountable. When you purchase personal liability travel insurance, the plan also covers your family members. But remember to check this with your insurer.
• You must affirm your innocence if someone else accuses you of a misdemeanour. If you haven't intentionally damaged anything, your insurance will provide coverage for you.
• The travel insurance provider will represent you and help you seek assistance, particularly in a foreign land. You can also avoid lengthy official processes by coming to a mutual understanding.
• Your insurer will deal with any out-of-court settlements. But you can also go down the legal road if you believe the insurer is not providing the ideal settlement. You may not reimburse the whole sum plus any extra fees.

Please keep in mind that personal liability insurance coverage also has several exclusions. In the event of the transfer of any diseases, illegal activity, or purposeful/illegal behaviour, you will not be eligible for this benefit. Personal liability insurance won't pay for any harm your pets or other animals cause if you are travelling with them.

How to Buy Travel Insurance Plans with Personal Liability Cover

You can consider the following ways to buy such plans:

• You can look for personal liability travel insurance plans online
• Get in touch with various insurers to get a quote and understand the terms and conditions
• You can physically visit an insurer’s office and purchase a policy in person

Comparing the advantages and disadvantages of various insurance providers online is much easier than personally visiting their offices as it involves time and effort. As the scope of coverage varies from insurer to insurer, you must learn about the exclusions and how to make a claim if the need arises. You can compare various quotes and make a decision based on your requirements.

If a third party brings a responsibility claim against you, only under such circumstances should you go ahead and make a claim under your personal liability policy. Use the regional and global toll-free line to contact your insurance provider and let your insurer know about the incident.

Personal liability coverage is an important feature offered by a travel insurance policy. You must be mindful that it will only be advantageous if the third party's claim for you is unfounded and you haven't maliciously damaged anyone's property or caused bodily harm. Most individuals don't think about personal or legal responsibilities while travelling overseas. Also, if you are travelling to a place where it can be an expensive affair to seek legal assistance or any other help, your personal liability cover will protect you against needless legal costs in addition to required expenses for medical issues and compensating the third party.

There has been a rise in the sheer number of solo travellers over the last few years. People yearn to embark on a journey on their own and get to planning a solo trip. One spends days packing at every possible opportunity and searching the internet for lodging, eating, and sightseeing options.

The closer the departure date, the more excited one is to be able to travel for the very first time. However, eventually, one starts to worry and gets distressed by the trip's how-tos and what-ifs. However, the desire to explore the preferred location keeps one moving forward, even though the idea seems challenging and unsettling. Starting a mental map and thinking calmly are the first steps for any solo traveller to plan right. Once you're far from home, fewer resources will be available, so you'll require a solo travel guide to make the journey go smoothly.

Pros and Cons of going on Solo Trip

Pros of travelling solo:

• More individuals will be around you; hence many brand-new possibilities are available to solo travellers.
• You can do as you please, go anywhere, eat what you like, and nap when you please, which can be downright liberating.
• You will acquire the language more quickly. When you travel alone, you may have to communicate in the local language, which enhances your language skills and produces a more genuine experience.

Cons of Traveling Alone:

• Even though being an outsider in a foreign nation can be exciting, you may sometimes feel lonely.
• Lone visitors make for an easier target for predators, which could be dangerous in an unknown place.

In some circumstances, you might have to spend twice as much as you are not travelling with a friend or fellow traveller to share the expenses.

Essential Tips for Your First Solo Trip

In addition to discovering various cultures, travelling alone also helps you learn more about yourself. It’s thrilling, challenging, and invigorating all at once. You not only learn a lot about yourself but also about your surroundings. Travelling solo doesn’t have to be terrifying. This section contains the finest solo trip tips for your first journey alone. To ensure you have the best first solo trip possible, we'll go over selecting the ideal location, travelling alone for the first time, safety concerns, and a few other vital issues. The solo travel tips to religiously follow for a first solo trip are listed below:

 Deciding on Places to Visit

You must choose a place that appeals to your interests, as it will help you make the most of your journey. Stay away from beaches if you don’t like places that are too warm or get sunburnt easily. If crowds annoy you, stay away from major towns. Here are some pointers for lone novice travellers:

• Pick a destination where you can communicate in the native tongue; otherwise, be ready for a language barrier; alternatively, you could download Google Translate or take the help of a local guide who could also act as a translator.
• Pick a place with developed tourist infrastructure.
• Select a well-known backpacking destination to meet lots of other travellers and learn from their experiences.
• Choose a well-connected location to prevent loneliness and lengthy commutes.

 Planning Budget

The most crucial portion is now here: the monetary aspect! Your budget for a solo journey is influenced mainly by two factors: lodging and transportation.

• When discussing transit, one should consider the price of getting around the particular location — sightseeing, pick-up and drop-off, etc.
• Accommodation is the most challenging aspect, as there are both upscale and inexpensive lodging options in every metropolis and small town. You can choose a hotel or boarding house that is reasonably priced, secure and provides all the amenities needed for a pleasant stay. Before deciding, read the reviews, check the ratings, and view the images online.
• Budget for other costs like lodging, meals, entertainment, admission fees, and travel insurance, mainly if you are travelling abroad.

As per the recent IRDAI regulations, from January 1, 2023, KYC (Know your Customer) will be mandatory for all types of insurance, including travel insurance. These guidelines apply to the purchase of new policies as well as the renewal of existing policies. Basically, this brings into effect the guidelines issued in August 2022. These regulations are applicable irrespective of the policy premium. Before this, KYC was not mandatory for general insurance.

In this article, we will understand why KYC for travel insurance has been made mandatory and the KYC process for travel insurance, what documents are required for it, how long the process is, and other related aspects.

What is KYC?

KYC is a process to verify a customer’s identity, particularly in the financial services industry. Its primary objective is to protect financial institutions from scams or corrupt practices. In India, the RBI made it mandatory for all financial institutions to verify the identity of all their customers. The Prevention of Money Laundering Act of 2002 made KYC compulsory.

The KYC process involves collecting information such as the customer’s full name, address, date of birth, and identity proof like an Aadhaar Card, PAN Card, or Passport. The list of documents for verification of a person's identity may vary according to the type of policy. This process is essential for all types of financial transactions, including opening bank accounts, applying for loans, and now even for general insurance, including travel insurance.

KYC is of two types: Aadhaar-based KYC and in-person verification (IPV). Aadhaar-based KYC involves electronic verification and is both remote and paperless. Customers can complete this process online by providing their Aadhaar Number and biometric details for verification. In IPV, one can choose to do it online and submit the required documents. A person can appear for the verification process via video conferencing on Skype. Earlier, one had to be physically present for authentication.

KYC is a simple one-time process whether one chooses to do online KYC or offline KYC. Once completed, customers can use their verified identity for all future transactions. It protects financial institutions from scams or illegal activities and helps to maintain transparency in monetary transactions.

Why is KYC Mandatory for Travel Insurance?

The IRDAI issued a set of guidelines in August 2022, which made KYC compulsory for all types of insurance policies, including travel insurance plans. These guidelines came into effect on January 1, 2023. Consequently, all travel insurance companies must get KYC verification done for their existing and future clients. These regulations aim to protect the travel insurance sector from illegal activities like identity theft, money laundering, and terrorist financing and ensure transparency in the industry.

By verifying the identity and address of the policyholder, travel insurance companies can prevent scamsters from purchasing policies under fake identities and making false claims. Travel insurers will be in a better position to identify the risk profile of their customers and price their policies accordingly. KYC also helps in maintaining accurate and updated customer information. This will help in a seamless and quicker claim settlement. Following these guidelines also ensures compliance with the IRDAI’s requirements.

While it may seem like an unnecessary hurdle for policyholders, it is a necessary step towards safeguarding their interests and ensuring that they receive the policy’s benefits without unnecessary delays. In essence, it is an important step in ensuring the integrity and transparency of the insurance sector.

Travelling means different to different people. It can be for work, relaxation, rejuvenation, adventure, or just exploring the world. Whatever your motivation, after a stressful work-life balance, a trip to your favourite destination with your family could be all you need to come back all charged up.

Having said that, you cannot ignore the obvious risks and potential hassles related to travelling. For example, you may have to cancel your trip at the last minute due to unavoidable circumstances, or you may lose your baggage during transit. Also, you cannot overrule the possibility of falling sick during a trip. All such events can affect your travel budget significantly. This is where a robust travel insurance plan comes into play as it offers complete financial protection in the face of a mishap. 

However, just buying travel insurance is not enough. You must ensure you buy it from an insurer who will help you during a crisis. Your insurer must have a high claim settlement ratio and promise a smooth claim process.

ICICI Lombard travel insurance claim process

It is critical to understand whether your policy covers the unfortunate incident that occurred during your trip. Proceed with the next steps only after you have confirmed this:

• Notify the Assistant Service Provider (ASP) assigned to you soon after the incident that necessitated the claim filing. The service provider number will be provided to you at the time of policy purchase. You can also find this number on the ICICI Lombard travel insurance page. 
• Provide the required documents. For example, if the claim is for a trip extension, documents supporting the reason for the extension such as a medical report or certificate if the extension is due to illness are required.
• Fill out the claim form correctly.
• The ICICI Lombard claim team will review and verify your information before settling the claim. If the settlement is to be made in foreign currency, the exchange rate will be used.

The pandemic has altered many of our behaviours, especially how we travel. With the COVID-19 lockdown extending for nearly a year, most travellers found their options limited, which has changed their outlook on travel. People are more careful with travel, but they want to travel.

Now more than ever, travellers are researching their destinations before leaving and looking to the travel industry for directions. Where can they go? Is the current situation safe? Are the COVID protocols followed? In response, travel companies worldwide have found themselves emphasising cleaning protocols, allowing more flexibility in itineraries, waiving off cancelling/rescheduling fees, and keeping travellers updated on changing regulations. 

To find out more, ICICI Lombard, a leading travel insurance provider in India, recently conducted a survey to understand the mindset changes regarding travel post the pandemic. The reports show notable differences in travelling behaviour across age groups, demographics, the reasons for travel and travel destinations.

The survey also revealed that over half of respondents plan to travel post the pandemic, and over 94% will purchase travel insurance for their trip -giving rise to a new breed of 'safety-first' travellers.

As travel continues to evolve, here are the broad travel trends that we'd possibly witness in the post-corona era:

Most popular travel destinations post pandemic

USA, Canada and Europe most sought-after international travel destinations by Indians post Omicron



Older age groups are travelling closer to home as compared to youngsters

Most common reason for travel post pandemic

Travelling for business (1.2x) and medical (2x) reasons increased while dropped for education/ holiday trips



Younger age group mostly travelling for education while older age group for holiday and business

Emergence of 'safety-first' travellers

Indians become more self-conscious towards buying travel insurance

Before the pandemic, even though the awareness of travel insurance policies was 76%, only 50% purchased a travel insurance policy unless not mandatory. 

But this attitude has changed significantly since the outbreak of the virus. Today 90% of people are concerned about their health while travelling. This has increased the number of people purchasing travel insurance from 50% to 76%.

Awareness on availing travel insurance policy on international trip:

• Pre-pandemic - 76%  
• Post pandemic - 90%

Travel insurance purchase behaviour 

Post pandemic, 64% - travellers consciously searched for a travel insurance before their international trip vs 54% - travellers in the pre pandemic years. Only 22% bought as it was “mandatory with flight ticket”.

Since travellers are now aware of the risk of not being covered, travel insurance becomes as essential and, in some cases, as necessary as having a valid passport. The demand for pandemic coverage has also led the insurance industry to create new products to meet those needs.

Today an international travel insurance plan typically covers medical expenses for COVID-19, trip protection & baggage coverage, emergency medical care & evacuation. These policies also include coverage of trip interruption and delay coverage if the policyholder contracts COVID-19 while travelling.
As people resume travelling again, armed with vaccinations and travel insurance policies, Covid coverage is the key reason for buying travel insurance for most respondents.

Travel insurance as necessary as a valid passport

Post covid, medical expenses including Covid coverage no.1 reason to buy travel insurance 

In conclusion

People's outlook while travelling abroad have changed significantly post the Covid-19 virus outbreak. The pandemic has driven travel insurance from a commodity to a necessity. Customers have intentionally started seeking out travel insurance to remain covered in case of any unfortunate events during their trip. Both awareness and adoption to opt for travel insurance has increased significantly post-pandemic.

Covid coverage is the critical benefit travellers seek while looking for travel insurance – not just medical coverage but even for non-medical coverage such as hotel & trip extension. Post pandemic, the future of travel will include reassuring these ‘cautious’ travellers in many ways. Just as 9/11 changed air travel measures worldwide, the pandemic is making travellers more mindful of health & hygiene protocols during their trips abroad.

Traveling to new or unexplored places is both thrilling and expensive. Trips, especially those taken overseas, can be full of surprises—some pleasant while some could be nerve-wracking. This is why it is very important to secure your trip with travel insurance before you board that flight.

Today, many insurance companies offer customized travel insurance plans to suit your specific needs. Here's what you need to know about them.

About Travel Insurance

Travel insurance helps you cover unpleasant situations that may arise on an international trip by compensating you financially for your losses. These include passport loss, flight cancellation/delay, hotel extensions due to lockdown, medical emergencies, Covid emergencies, and more.

Different types of travel insurance

Based on your travel frequency, the insurer provides you with an option to choose between single-trip travel insurance and multi-trip insurance.

· Single trip travel insurance

A single trip policy is an international travel insurance policy that only covers one trip. The policy's coverage begins the day your flight takes off and ends when you return home from your trip.

· Multi-trip travel insurance

Multi-trip travel insurance is a type of international travel plan suited for frequent travelers. The policy covers multiple journeys to the same or different destinations up to a certain number of days.

Benefits of travel insurance

A travel insurance policy offers numerous advantages. A few of them are detailed below:

1. Coronavirus cover

It is practically impossible to find a country that has been spared from the COVID-19 pandemic. In light of the pandemic, whether you are traveling domestically or internationally, the risk of contracting the virus is high. Travel insurance that covers medical emergencies including Covid will help you take the financial burden that may arise due to coronavirus infection.

2. Baggage cover

Another great benefit of travel insurance is baggage cover. Imagine paying for items that you had already packed in your bags, lost due to someone else's error. In such situations, travel insurance comes into the picture. Here's how:

• If your luggage is misplaced or stolen, the policy will cover the cost of essentials such as toiletries, medicines, and clothing.

· In the event of delayed baggage, travel policies usually cover the costs of necessities until your luggage is returned.

3. Medical cover

Medical coverage in a travel insurance policy has a broad definition. Let's start with the most crucial thing first. If you are travelling outside of India, then your active medical insurance policy will be useless in case you fall sick. Why? Because most health insurance policies cover the cost of medical treatment only if it is taken within the country.

Now let's talk about the situations covered by your travel insurance.

If you meet with an accident or become ill due to a change in weather conditions on your trip abroad, the travel policy will cover the cost of the immediate treatment.

• Travel insurance also pays for emergency medical evacuation if your medical condition requires long-term therapy and local doctors recommend treatment in your home country.

· If you become unwell and are admitted to the hospital, the insurer will cover the cost of the compassionate visit. Make sure you check the clauses related to this point with the insurer before purchasing the policy.

If you're traveling abroad after the pandemic, it is best not to overlook the need for travel insurance. Some travelers believe that travel insurance is optional, but in fact, almost 34 countries need travelers to purchase travel insurance before entering their territories.

Owning travel insurance on your international trip, avoid difficult situations due to passport loss, flight cancellations, lockdowns, medical emergencies, baggage loss, etc.

Few countries where travel insurance policy is mandatory:

• Cuba
• The United States of America (USA)
• The United Arab of Emirates (UAE)
• Turkey
• Russia
• Qatar
• Antarctica
• Ecuador (including Galapagos Islands)
• Schengen countries (a group of 26 central European countries)

Top benefits of purchasing travel insurance when traveling abroad:

• Medical Assistance

The health benefit aspect of travel insurance is one of the key reasons it is essential for foreign trips. Medical emergencies are unforeseeable. If you don't plan for it beforehand, you can face financial turmoil. Travel insurance covers hospitalization and pharmacy bills. The policy further helps you if you are diagnosed with COVID-19 while on a trip. Travel insurance also covers prolonged international stays due to unavoidable circumstances.

Updated on 1 Dec 2025

Travelling abroad can come with risks, especially for elderly parents. Health issues, accidents, flight delays, or even loss of baggage can quickly turn a happy journey into a stressful one. This is why travel insurance for parents is so important. With the right insurance plan, you can ensure peace of mind and financial protection for your parents when they travel overseas.

Get to know why travel insurance is essential and how you can buy the best travel insurance for your parents online.

Importance of travel insurance for parents

Here is why overseas travel insurance is important:

• Medical emergencies: Hospitalisation, surgery or sudden illness during travel can cost a lot in foreign countries. Travel insurance covers these expenses.
• Accident cover: In case of accidents, the policy covers the medical bills and treatment.
• Flight-related issues: Delays, missed connections or cancellations can be stressful. Insurance helps recover the financial loss.
• Loss of baggage or documents: Losing a passport or luggage abroad can be a nightmare. Insurance provides support for replacement and recovery.

Factors to consider when choosing travel insurance for parents

Before buying a travel insurance plan, keep these important factors in mind:

1. Check the list of coverage

Before you purchase travel insurance for your parents, thoroughly check the list of policy inclusions. Typically, travel insurance covers the following:

• Flight and/or hotel reservation cancellation:

If your parents wish to cancel or postpone their planned trip due to a medical condition, travel insurance will compensate for the losses incurred on the flight & hotel reservation.

• Trip cancellation:

Travel insurance also covers trip cancellation due to the sudden demise of a close family member.

• Trip extension:

With travel insurance, the insurer assists you with policy extension in case you are stranded at your travel location.

2. Check for medical coverage

It's crucial to check with the insurer the scope of medical coverage included in the travel insurance. You must also read the policy's fine print to understand if there are any hidden clauses.

3. Check the baggage cover

It is critical to double-check the scope of luggage coverage. Usually, most insurers cover the following:

The insurer will cover you if your luggage is lost or stolen. They cover necessities such as clothing, toiletries, and medications. They also cover delayed baggage delivery.

4. Check the list of add-ons available

Consider purchasing useful add-ons to provide your parents with total financial protection during their trip overseas. For example, look for travel insurance covers such as emergency cash advance, emergency hotel accommodation, etc.

5. Check the claim settlement ratio

The claim settlement ratio of an insurer helps you understand if the insurer is reliable. Prefer purchasing travel insurance from providers who have a high claim settlement ratio.

Types of travel insurance plans for parents

When you search for travel insurance, you will find many types of plans.

1. Single-trip insurance

A single-trip insurance plan covers one journey from start to end. It is suitable if your parents are travelling abroad only once in the near future.

2. Multi-trip insurance

If your parents travel frequently during the year, a multi-trip plan is more convenient and cost-effective. It covers multiple journeys within a set period, usually a year.

3. Comprehensive travel insurance

A comprehensive plan provides wide coverage, including medical emergencies, trip cancellations, baggage loss, and more. It is a safer choice for older individuals who may need broader protection.

4. Medical travel insurance

This type mainly focuses on medical emergencies and hospitalisation. It is useful if you are especially worried about health risks during the journey.

5. Senior citizen travel insurance

Some insurers offer plans specially designed for elderly travellers. These may include higher medical coverage, cashless hospitalisation abroad, and even coverage for pre-existing conditions.

Steps to buy travel insurance for parents online

Buying travel insurance for your parents is simple and quick. You can do it without visiting any office.

Here is a step-by-step guide:

• Research and compare plans: Visit trusted online platforms where you can compare different policies. Look at coverage, benefits, exclusions, and costs side by side before deciding.
• Fill in traveller details: Enter your parents’ personal details like name, age, travel dates, and destination. This helps the platform show you suitable plans.
• Check coverage options: Select the coverage amount that makes sense for the destination. For example, if your parents are visiting countries with high medical expenses, go for higher coverage.
• Declare health conditions honestly: Always provide correct information about your parents’ health. This avoids problems later during claim settlement.
• Select add-ons if needed: Some plans allow add-ons like adventure sports cover or coverage for pre-existing diseases. Choose them only if relevant.
• Make payment online: Once you choose the plan, pay securely online. Most platforms accept debit cards, credit cards, or net banking.
• Get policy documents: After payment, you will receive the policy documents via email. Print a copy and keep it handy while your parents travel. Also, save the emergency contact numbers provided.

Conclusion

Travelling abroad can be a wonderful experience for parents, but it also comes with risks. Having the best travel insurance offers protection from unexpected expenses and gives them a stress-free experience.

Get simple, clear travel insurance guidance for your parents by filling in the form provided on this page. This way, you can find the best cover for their needs with expert advice.

FAQs

•  Can parents with pre-existing health conditions get travel insurance?

Yes, but the premium may be higher, and some conditions may be excluded. Always share their medical history honestly.

•  What is the best coverage amount for elderly parents?

It depends on the destination. For countries with expensive healthcare, choose a higher coverage limit.

•  Can I buy travel insurance for my parents after they have started travelling?

Usually, you must buy it before the journey begins. Some plans may allow purchase within a short window after departure, but it is better to buy in advance.

•  Can I buy travel insurance online from India for parents travelling abroad?

The entire process can be done online from India. You can pay digitally and receive the documents by email.

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.

Yes, travel insurance these days does cover health emergencies due to coronavirus. Since the outbreak of the COVID-19 pandemic, many insurers have started including COVID-19 coverage in their travel insurance policies. If you are wondering what is exactly covered as part of the coronavirus cover, this article is for you. Keep reading.

1 . Medical treatment

 Because of how the virus has spread, one can't avoid the fact that they're always at risk of contracting the disease. The situation gets significantly worse if you develop COVID-19 while travelling abroad. The high cost of healthcare facilities and services worldwide can often be a source of anxiety for many travellers. However, with travel insurance, you need not worry about the COVID-19 treatment costs.

2. Unexpected lockdowns

Given the current situation, it is too early to say whether or not a lockdown will be implemented in the future. However, consider a case where you'd be left stranded on vacation abroad because the country declared a nationwide lockdown due to COVID-19. Under such circumstances, flight delays or cancellations are significantly risky. A travel insurance policy covers your trip extension and any losses incurred due to flight cancellation. 

When travelling abroad, make sure that medical travel insurance is among the first five things on your shopping list. In fact, many countries refuse entry to visitors who do not have it. Medical travel insurance policies come with a host of benefits such as:

1. Family emergency

There might arise a situation when you have to cancel your trip due to a medical emergency or a death in your family. In this scenario, the travel insurance will compensate for the losses incurred due to trip cancellation.

2. Repatriation costs

Imagine a situation where you fall sick and need continuous medical attention while on a trip. You may want to cut short your vacation and head home to pursue treatment in your home country, which means additional costs to buy an earlier return ticket. This is where a medical travel policy comes in handy. It covers the expense of repatriation, and the insurer will make the appropriate arrangements to assist you in returning to India.

3. Replacement to regular medical insurance

Even if you have health insurance with various add-ons, it will be of no use in a foreign country. Your medical plan is valid only in India. However, this is not the case with medical travel insurance. If you fall sick abroad due to changes in climatic conditions or some other reason, the insurer will cover the treatment costs.

Updated on 30 Dec 2025

Travelling to another country is an exciting experience. However, falling sick or getting injured during your trip can quickly turn your adventure into a stressful situation. Medical treatment abroad can be expensive, especially in countries like the United States, those in Europe or Australia. Even a routine doctor’s visit may come with a high price tag, while hospital stays or surgeries can cost thousands. That’s why having travel medical insurance is important.

Let us understand how travel medical insurance works and how it can help you if you become unwell abroad.

What is travel medical insurance?

Travel medical insurance is a kind of travel insurance policy that covers medical expenses while you are travelling in a foreign country. It protects you from the high costs of healthcare if you fall ill or meet with an accident during your trip.

When you buy travel medical insurance, you pay a small amount called a premium. In return, the insurance company agrees to pay for certain medical expenses if you need treatment while you are abroad. This can include doctor visits, hospital stays, surgeries and even emergency evacuation to your home country if needed.

Key benefits of travel medical insurance

Here are some of the main benefits of travel medical insurance:

1. Covers medical expenses

If you get sick or hurt while on your trip, your travel medical insurance will cover the cost of treatment. This includes things like consultation fees, medicine costs, hospital charges and even surgeries if required. This helps you avoid spending a huge amount from your own pocket.

2. Emergency medical evacuation

In serious cases, you may need to be taken to a different hospital or even flown back to India for better treatment. This process is called medical evacuation and can be very costly. Travel medical insurance usually covers this cost.

3. Cashless treatment at network hospitals

Many travel insurance providers have a network of hospitals in different countries. If you go to one of these hospitals, you may get treatment without paying anything at that time. The insurance company will take care of the bill directly with the hospital. This is called cashless treatment.

4. 24/7 assistance services

Most insurance plans offer a helpline that you can call anytime. If you need help finding a hospital, arranging transport or understanding what to do in an emergency, they can guide you.

What medical emergencies are covered abroad?

Travel medical insurance usually covers a wide range of situations. These may include:

• Sudden illness, like fever, food poisoning or infection
• Accidents like fractures, burns or injuries
• Emergency surgeries like appendix removal
• Emergency dental treatment due to injury
• Hospitalisation due to serious medical problems
• Ambulance charges
• Medical evacuation to a better hospital or back to India
• Repatriation of remains in case of death abroad (in worst-case scenarios)

Before you buy a policy, it is important to read the details and know exactly what is covered. Different insurance plans may have different features. Whether you choose single-trip travel insurance or a longer plan, most policies will cover these kinds of emergencies.

Exclusions under travel medical insurance

There is a limit up to which you can receive coverage under this policy. There are certain medical conditions that the policy would not cover, but it varies from one insurance provider to another. Some common exclusions are:

• Pre-existing diseases

Coverage for pre-existing diseases varies among insurers, as some insurance providers may provide coverage with conditions or at a high premium. Some insurance companies will verify your past medical records to check if the condition was present during the last one year. You may get coverage for pre-existing conditions if you buy the policy within a month after you book your trip. Some insurers allow a pre-existing condition exclusion waiver if you buy the policy within 14 days of booking your trip.

• Alcohol, drug or other substance abuse

If you fall sick or get injured due to consumption of alcohol, drugs or other types of intoxicating substances, then your treatment or hospitalisation costs would not be covered by the insurer.

• High-risk activities

If you get injured due to participation in a risky activity or sports such as mountain or rock climbing, skydiving, parasailing, bungee jumping, rowing etc. your health insurance cover abroad will not pay for your hospitalisation expenses. If you plan to travel specifically for adventure sports, there are separate policies to cover them.

• Other exclusions

Travel medical insurance typically excludes the following:

• Routine medical examinations such as vaccinations or immunisations
• Surgery or treatment related to cosmetology, plastic surgery, obesity or weight-loss treatment and intestinal bypass surgery
• Organ or tissue transplants
• Expenses for corrective devices such as eyeglasses or contact lenses

Conclusion

Travel medical insurance is very helpful when you are going to another country. If you get sick or injured during your trip, it can protect you from high medical costs. Healthcare in many countries is very expensive, and even a small treatment can cost a lot of money.

Before you travel, it’s a good idea to buy a policy that suits your needs. If you're not sure which travel insurance to choose or need help understanding your options, don’t worry. You can get simple, helpful advice by filling out the form on this page. We’ll guide you in finding the right cover for your trip.

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.

Updated on 6 Jan 2026

When exploring Saudi Arabia, few experiences connect you to its culture like sharing a plate of kabsa. This fragrant dish of rice, spices and meat is more than just food; it’s a symbol of hospitality and togetherness deeply rooted in Arabian tradition. Loved by locals and visitors alike, kabsa offers a true taste of the nation’s warmth.

Read on to explore its history, flavours and cultural significance.

The origin of Kabsa

Kabsa originated among the Bedouin tribes of the Arabian Peninsula, who prepared it using easily available ingredients like rice, meat and spices. Its flavours were shaped by Indian, Persian and African cuisines, reflecting the region’s role as a major trade crossroads.

The word kabsa comes from the Arabic term kbs, meaning “press,” referring to its one-pot cooking method where all ingredients are combined together. Several regional variations also exist, including the popular Yemeni Kabsa.

Significance of kabsa in Saudi culture

To understand what makes Kabsa so special, it is important to know what goes into its making.

At its heart, the traditional Kabsa is a simple preparation of Saudi food staples of rice and meat, cooked with potatoes and vegetables.

These main ingredients are mixed with Arabian spices such as black pepper, cloves, cardamom, saffron, black lime, bay leaves and nutmeg. This spice mix gives a distinct flavour to the dish.

The secret to a truly exceptional kabsa lies in selecting high-quality ingredients and carefully following the cooking process. Traditionally, kabsa is the first meal offered to guests, showcasing hospitality and respect.

It is often shared from a large platter, encouraging a sense of togetherness. The dish is also a staple during special occasions like weddings and national holidays, highlighting its central role in Saudi Arabia’s culinary heritage.

Best places to try kabsa in Saudi Arabia

Kabsa is one of Saudi Arabia’s most popular dishes and can be found across the country, from Jeddah to Riyadh, in both fine dining restaurants and food courts.

• Al Romansiah: With branches nationwide, Al Romansiah is renowned for its kabsa and other authentic Saudi dishes.
• Najd Village: Famous for its local cuisine, Najd Village is celebrated for serving some of the most iconic kabsa in the country.
• Aseeb Restaurant: Located in Riyadh, Aseeb Restaurant is known for its authentic Najdi-style kabsa.
• Bo Kees: Bo Kees is popular for its grilled faham chicken, often served alongside flavourful kabsa.

Role of travel insurance during food related emergencies abroad

A travel insurance policy acts as a crucial safety net for any emergency, including food-related issues, while abroad. It covers sudden medical situations such as food poisoning, allergic reactions or infections from contaminated food.

It can cover doctor visits, emergency room charges and even emergency medical evacuation to the nearest suitable facility in remote areas. If your illness forces you to cut your trip short, the policy can reimburse unused, non-refundable travel expenses.

Having travel insurance provides peace of mind, allowing you to explore other countries without unnecessary worries. While you focus on enjoying your travels, let us take care of unexpected emergencies. Get tailored travel insurance advice and solutions by filling out the form provided on this page. You can also buy and compare travel insurance online, making it convenient to find coverage that fits your needs.

Conclusion

Kabsa is more than just a dish; it is a symbol of Saudi Arabian heritage and culture, bringing people together over shared meals and celebrations. From traditional Bedouin origins to modern dining experiences in Riyadh and Jeddah, enjoying Kabsa offers a true taste of the country’s rich traditions.

Pairing these culinary adventures with single trip travel insurance ensures you can explore and savour new flavours with peace of mind, knowing you are protected against any unexpected food-related emergencies or health issues.

Frequently Asked Questions (FAQs)

• Is Kabsa safe for tourists with dietary restrictions?

While Kabsa is generally safe, tourists with allergies or dietary restrictions should always check ingredients in advance, as it often contains spices, nuts or seafood.

• Can travel insurance cover allergic reactions from food while abroad?

Yes. Most comprehensive travel insurance plans cover medical emergencies caused by allergic reactions or food poisoning during your trip.

• Are there vegetarian or vegan options for Kabsa?

Traditional Kabsa is meat-based, but some restaurants offer vegetarian versions using vegetables, tofu or legumes as substitutes.

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.