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  • The greatest desert destinations on Earth

    by Nitin Vishwakarma | Dec 24, 2025

    When you picture star-filled skies, scorching sun and endless dunes, you’re imagining the timeless beauty of the desert. Harsh yet enchanting, deserts provide a unique adventure and peace that only a few terrains can match. For travellers, deserts promise vibrant cultures, vast horizons and a chance to disconnect from the ordinary.

    Let’s find out what defines a desert, get to know the most iconic ones around the world, understand their types and learn how to prepare for a desert trip.

    What is a desert?

    A desert is defined by aridity. They are areas that receive less than around 250 mm (10 inches) of rainfall yearly and also have limited wildlife and vegetation adapted to survive the harsh conditions. There are cold deserts and hot deserts on Earth. Some of them are rocky, others are icy, while many are made up of vast dunes.

    Famous deserts around the world

    There are many famous deserts across the globe and each of them is pretty unique. Here are some of the well-known deserts:

    1. Sahara Desert (North Africa)

    This is the Earth’s hottest and largest hot desert, spanning multiple nations across the African continent. Its towering dunes, dramatic oases and golden sands represent the classic desert experience. Stargazing under vast skies, visiting Berber villages and riding camels across golden dunes make the Sahara Desert truly unforgettable.

    2. Atacama Desert (Chile)

    This is known as the driest and non-polar desert on the planet. Its flamingo-filled lagoons, volcanoes and salt flats make the desert a photographer’s dream.

    3. Namib Desert (Namibia)

    Believed as the world’s oldest desert, Namib boasts striking red dunes that meet the Atlantic Ocean, creating a surreal contrast of sea and sand.

    4. Gobi Desert (China and Mongolia)

    This is another famous desert in the world that's known for being semi-arid and vast. The Gobi Desert is home to rare wildlife, including the Bactrian camel, as well as rugged mountains and rocky plains. The desert also provides insight into the fossil-rich terrain and nomadic culture.

    5. Arctic and Antarctic Deserts

    These icy deserts get very little precipitation. The Antarctic Desert is the largest type of desert on Earth, demonstrating that a desert is defined by dryness, rather than temperature.

    Types of deserts

    Deserts can differ greatly. Not just in appearance but also in the weather. Here are the different types:

    • Dry and hot deserts: They have scorching days, cool nights and less rainfall (for instance, the Thar and Sahara Deserts).
    • Semi-arid deserts: These have slightly higher rainfall and cooler winters (for instance, some parts of the Gobi Desert).
    • Coastal deserts: Formed along cold ocean currents, these deserts stay dry even though they are close to the sea (for instance, the Namib Desert).
    • Polar or cold deserts: These deserts are characterised by low precipitation and freezing temperatures (for instance, the Arctic and Antarctic Deserts).
    • Rain-shadow deserts: These deserts are located behind the mountain ranges where the rain-bearing winds cannot reach (for instance, Ladakh in India).

    Tips for first-time desert travellers

    When you plan to visit the world famous desert, you should check out the following tips:

    • Plan for temperature swings: Deserts usually experience chilly nights and scorching days. You should pack lightweight layers, protective clothing and a wide-brimmed hat.
    • Stay hydrated: Dehydration can take place quickly. Make sure to carry extra electrolyte packs and water during the trip.
    • Sun protection: Use sunscreen, sunglasses and breathable fabrics. Avoid exploring during midday heat.
    • Navigation: Always carry a map, compass or GPS device. Stick to known routes and follow the guide’s instructions.
    • Travel with experts: If you’re new to desert travel, join a guided tour. Local expertise ensures safety and enhances your experience.

    Why travel insurance is essential for desert trips

    Desert travel can be exciting but also unpredictable. The limited facilities, remote regions and harsh climates make international travel insurance necessary. Here's why:

    • Adventure activities: Make sure your chosen insurance plan covers activities such as quad biking, trekking or dune bashing in high-altitude or cold desert regions.
    • Equipment protection: If your photography or camping gear is damaged or lost, the insurance might cover the replacements.
    • Trip cancellations: Heatwaves or sandstorms can disrupt the plans. Insurance can help recover the expenses.
    • Evacuation support: Some plans might cover air transfers or evacuation from remote regions to the nearby medical centre.
    • Medical emergencies: The insurance may cover altitude sickness, dehydration or injuries, which may be vital when hospitals are far away.

    Remember, the coverage can vary between insurers. Always read the policy wordings to check what is covered and what is not.

    Conclusion

    Deserts are known as nature’s paradox. They are harsh and silent but captivating and full of life. Right from the Atacama to the Sahara, these vast lands offer both peace and challenge. For travellers from India seeking frozen deserts or camel trails, good preparation is important. Buy travel insurance online to safeguard yourself from unexpected expenses.

    Travel smart, stay safe and take time to understand the terrain. Amid the stillness of the desert, you won’t find emptiness, but a rare, unforgettable sense of wonder.

    FAQs

    1. Is it possible to visit a desert safely if it’s my first time?

    Yes. You can join a guided tour, prepare for the extreme temperature, carry enough water and follow the safety advice.

    1. When is the right time to go on a desert trip?

    Make sure to avoid the summer season as it can be extremely hot. Pick the spring or autumn season. For the cold desert, check the local winter conditions before planning the trip.

    1. Does travel insurance cost more for desert trips?

    The cost will depend on various factors, like whether you’re visiting high-risk or remote regions. Some plans may offer optional adventure or desert coverage.

    1. Are there dangerous animals in the deserts?

    Some deserts do have dangerous animals, such as desert foxes, scorpions and even snakes. Basic precautions and a local guide ensure an enjoyable and safe experience.

     


    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.

  • Best countries to study interior design

    by Almog Ramrajkar | Dec 24, 2025

    Interior design is a promising career that offers a rewarding experience to individuals with a passion for creativity and artistic expression. If you aspire to pursue interior design as a career, the best countries for interior design courses include the United States of America, Canada, Spain, Japan, Turkey, China, Italy and Cyprus. Studying in any of these countries increases your career prospects in interior design.

    If you are searching for the best country for interior design courses, here are some of the best options:

    Top countries to study interior design

    The following are some of the top countries to study interior design:

    1.     The United Kingdom

    If you are scouting for the best country for interior design study, the UK is a good choice. Courses in the UK promote creativity and offer thorough training and valuable work opportunities.

    Here are some of the top universities in the United Kingdom to study interior design:

    • The University of the Arts London, renowned globally, offers excellent interior design and fine arts courses.
    • Royal College of Art - the world’s famous institution for art courses, also offers quality interior design programs.
    • The Interior Design School, London, is another top institution for studying interior design.

    There are other top colleges for interior design in the U.K. you can explore for your preferred program. 

    2.     The United States of America (USA)

    Here are some of the globally reputable universities in the USA to study interior design :

    • Rhode Island School of Design
    • Parsons School of Design
    • New York School of Interior Design
    • Art Institute of Atlanta
    • Boston Architectural College
    • Pratt Institute
    • Rocky Mountain College of Art & Design, Denver

    3.     Canada

    Some of the top Canadian universities to undergo interior design training include:

    • Georgian College
    • University of Manitoba
    • The Visual College of Art and Design, Vancouver
    • University of Calgary
    • Humber College
    • University of Guelph

    4.     Japan

    Your quest for the best country to learn interior design is also likely to lead to Japan. Powered by innovation and advanced technology, Japan promotes interior design programs for students, creating lucrative job opportunities.

    The renowned colleges to train in interior and graphic design in Japan are:

    • ICS College of Arts, Tokyo
    • Kyoto Seika University

    Besides, there are other top interior design schools in Japan where you can pursue your dream course.

    5.     Spain

    Spain is another preferred destination for interior design courses, with reputed universities such as:

    • Elisava Higher School of Disseny
    • IED School of Design and Fashion
    • ESNE University School of Design
    • Ramon Lull University

    6.     Turkey

    Renowned for its pristine natural beauty and world-famous tourist avenues, Turkey is also a great destination for interior design courses. Some of Turkey’s best universities for interior design are:

    • Bahcesehir University
    • Istanbul Medipol University
    • Istanbul Bilgi University

    7.     China

    If you choose to pursue interior design courses in China, the following are a couple of institutions you may consider:

    • Shanghai Jiao Tong University
    • Shanghai International College of Fashion and Innovation

    8.     Italy

    One of the top global fashion destinations, some of Italy’s reputed Universities to study interior design in Italy are:

    • Istituto Europeo di Design
    • Florence Institute of Design International

    9.     Cyprus

    Cyprus is also a great place for studying interior design programs (undergraduate or postgraduate). Cyprus International University is a leading institution with recognised local and European accreditations. Besides, there are other best interior design schools in Cyprus where you can choose to pursue your desired course.

    Conclusion

    Studying interior design abroad broadens your knowledge and exposes you to new techniques, innovations and trending designs. Once you have decided on the interior design program, choose from our list above and embark on the journey of a promising career. Lastly, buy reliable travel insurance online that provides financial coverage. It becomes handy when you face unexpected challenges like delayed or missed travel, lost baggage, or medical emergencies.


    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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.

  • 10 days in Italy itinerary: 5 Ideas for your trip to Italy

    by Nitin Vishwakarma | Dec 23, 2025

    Going on a 10-day trip to Italy is more than ticking off famous landmarks; it’s about creating memories, tasting authentic cuisine and soaking in the vibrant culture. Whether you’re exploring Venice’s canals, wandering Rome’s historic streets or relaxing in Tuscany’s vineyards, proper planning helps you make the most of every moment without feeling rushed.

    This guide shows Indian travellers which cities to visit, the best time to go and a practical 10 days in Italy itinerary to enjoy Italy stress-free.

    What are the top cities to visit in Italy on a 10-day trip?

    For a 10-day trip to Italy, some top cities to consider include Rome, famous for the Colosseum, lively piazzas and the Vatican; Venice, known for its romantic canals, St. Mark’s Basilica and gondola rides; and the Amalfi Coast, Pompeii or Naples, which offer stunning seaside views and historic ruins.

    Florence, the heart of Renaissance art, is home to the Duomo and world-class museums, while Tuscany’s countryside, such as Chianti or Siena, provides vineyards, rolling hills and relaxing wine-tasting experiences. Milan, Italy’s fashion capital, showcases modern city life and shopping.

    Planning your Italy trip itinerary 10 days around 3-4 key cities allows enough time for sightseeing, exploration and rest, ensuring a balanced and memorable journey.

    When is the best time to travel to Italy

    The best time to travel to Italy depends on what you want from your trip. Spring (April to June) offers pleasant weather, blooming flowers and fewer tourists. Summer (July to August) is popular but hot, crowded and expensive, so book in advance. Early autumn (September to October) has warm days, cool evenings, harvest season and lighter crowds.

    Winter (November to March) is quiet with lower prices, shorter days and limited hours in some areas, though northern Italy is ideal for skiing.

    Complete 10 day itinerary for Italy

    Here is one possible Italy travel itinerary for 10 days that you can opt for:

    Day

    Location

    Activities

    Day 1

    Rome

    Arrive, settle in, stroll around the historic centre and spend the evening at a piazza.

    Day 2

    Rome

    Visit the Palatine Hill, the Colosseum and then the Vatican City in the afternoon.

    Day 3

    Rome to Florence

    Travel to Florence via train, check in and in the evening, stroll along the Arno River.

    Day 4

    Florence

    Visit Ponte Vecchio, Duomo, Uffizi Gallery and sample the Tuscan cuisine.

    Day 5

    Florence to the Tuscany countryside

    You can join a tour or rent a vehicle to explore the hill towns, vineyards and just relax.

    Day 6

    Tuscany to Venice

    Travel to Venice, check out the canals and visit St. Mark’s Square.

    Day 7

    Venice

    Explore the islands, such as Burano or Murano, go on a gondola ride or for a quiet stroll.

    Day 8

    Venice to Naples/ Amalfi Coast

    You can move to the south to enjoy the shoreside views and also the local food.

    Day 9

    Naples/Amalfi Coast

    Visit Herculaneum or Pompeii, check out the beach or go for cliff-side walks.

    Day 10

    Return to Rome

    Head back to Rome for the departure, and use the time to wrap up last-minute sights and souvenirs.

    Tips to plan 10 Days Itinerary for Italy

    When planning an Italy travel itinerary 10 days, book trains and inter-city travel in advance to save time and money. Choose accommodations near city centres for easier access to attractions, and include a rest day to recharge during your trip. Sample local cuisine in each region, from Amalfi’s seafood to Florence’s steak and Rome’s pasta.

    Carry a small day-pack with photocopies of your travel documents and passport, and check entry requirements, transport schedules and local rules ahead of time. Consider travel insurance online for protection against unforeseen events.

    Role of travel insurance when travelling to Italy

    Having travel insurance for Italy is essential when travelling from India to Italy. It helps cover unforeseen events such as cancelled flights, lost baggage, medical emergencies, misplaced passports or trip cancellations. Before buying a policy, ensure it covers your entire trip, any pre-existing medical conditions and planned activities like adventure sports.

    Keep copies of emergency contacts, claims forms and your policy handy. Travel insurance provides peace of mind, allowing you to enjoy your Italian holiday without worrying about unexpected problems or expenses.

    Conclusion

    10 days itinerary for Italy can be a life-enriching experience if approached thoughtfully. By planning your days wisely, choosing the right season and using tools like travel insurance, you not only enjoy iconic sights and local experiences but also travel with confidence and peace of mind. This trip is an opportunity to immerse yourself in culture, cuisine and history while creating lasting memories.

    FAQs

    1. Is it possible to travel to Italy in the low season and still enjoy it?

    Yes, you can experience fewer crowds, lower prices and unique seasonal events.

    2. Can my Indian health insurance cover me in Italy?

    It depends on your insurer and the policy. Many domestic health plans do not cover international travel. Check your policy wordings or speak with your insurer about overseas medical coverage.

    3. What happens if I lose my passport or baggage in Italy?

    A travel insurance plan can help cover delays, loss of baggage or emergency replacement of travel documents. However, coverage can vary depending on the insurer and the plan. Please read the policy wordings for full details of inclusions and exclusions.

     


    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.

  • How to apply for a student visa?

    by Nitin Vishwakarma | Dec 21, 2025

    For students seeking global exposure and advanced learning opportunities, pursuing higher education abroad has become a popular choice. Studying overseas offers countless advantages, such as better career prospects and diverse cultural experiences.

    Obtaining a student visa is one of the most crucial steps for travelling abroad for studies. This document grants you legal permission to reside in a foreign country for the duration of your course. 

    This blog will detail how to apply for a student visa in India, along with documentation, eligibility, and timelines.

    What is a student visa?

    A student visa is a legal document that allows international students to live and study in a foreign country for a specific duration. This official document specifies the type and duration of the study programme, along with conditions like part-time work or dependents. The visa must be approved before starting your academic course abroad.

    When should you apply for a student visa?

    It is ideal to apply for your student visa at least 3 to 6 months before the start of your course. This ensures enough time for document verification, interviews and processing delays. Many universities require proof of visa approval as a condition for final admission. Therefore, applying early helps you plan travel, accommodation and other formalities without last-minute stress.

    What are the types of student visas?

    Different countries offer various categories of student visa based on the duration and nature of the study programme. A few common types include:

    • Short-term student visa: This is valid for language courses or short study programmes lasting a few months, generally 0-3 months.
    • Long-term student visa: This visa type is valid for full-time academic degrees such as undergraduate, postgraduate or doctoral studies.
    • Exchange student visa: This is a visa type issued to students participating in university or cultural exchange programmes.
    • Vocational or training visa: This visa type is ideal for students enrolling in skill-based or professional training courses.

    Documents required for a student visa application

    Before applying, make sure you have all the necessary documents ready. A few of the most commonly required documents are as follows:

    • A valid passport.
    • A filled and signed visa application form and a fee payment receipt.
    • An admission or offer letter from a recognised educational institution.
    • Proof of sufficient funds, such as recent bank statements or sponsor letters.
    • Recent passport-sized photographs followed by the embassy’s specifications.
    • Educational transcripts and certificates from previous qualifications.
    • Language proficiency test scores, such as IELTS or TOEFL.
    • Valid medical or student travel insurance
    • Visa appointment confirmation or interview letter.

    What is the process for applying for a student visa?

    Once you receive the confirmation, you can begin your visa application through any of the following methods:

    • Online visa application process: Most countries allow Indian students to apply for a student visa online through the official embassy or immigration websites. Create an account, fill out the application form accurately, upload the required documents, pay the visa fee and book an appointment for biometrics or an interview before applying digitally.
    • Offline visa application process: Some countries still accept visa applications submitted offline. Indian students can download the visa form from the respective embassy’s website, fill it manually, attach required documents, pay the fee (as instructed) and submit it in person at the embassy, consulate or authorised visa application centre.

    Why should you buy student travel insurance?

    In most cases, buying travel insurance is essential before travelling abroad. It provides financial protection against unexpected challenges that can be costly to manage in a foreign country. Based on your needs, you can choose a plan that offers a financial safety net against events such as medical emergencies, flight delays, loss of luggage, theft and tuition fee interruptions due to unforeseen circumstances. Overall, having the right cover gives you peace of mind and a smooth experience throughout the stay.

    Conclusion

    Applying for a student visa is a crucial step to fulfilling your dream of studying abroad. Understanding the visa process, required documents and timelines can make your journey smoother and stress-free. With proper preparation, awareness and having a valid student travel insurance cover, you can ensure a hassle-free transition to your chosen university and begin your international academic experience confidently while being financially secured for any unexpected issues. 

    FAQs

    1. How can I apply for a student visa from India?

    You can either apply online or offline after receiving your university acceptance letter, submitting the required documents and paying the visa fee.

    2. What is the processing time for a student visa?

    The visa processing time differs by country, typically taking between two and eight weeks after submission. The total time may vary depending on documentation and interview schedules.

    3. Is there an interview for a student visa application?

    Yes, most countries conduct a short interview to assess your intent to study, financial stability and understanding of your chosen course.

     


    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.

  • Impact of revised GST on travel insurance premiums

    by Nitin Vishwakarma | Dec 15, 2025

    For many Indian travellers, both international and domestic, travel insurance is a vital safety net. The recent changes in the GST (Goods and Services Tax) regime might affect how much you pay for the travel insurance premium. These revisions might lower the tax component and also lead to savings on total premiums.

    This blog will give you insights into what has changed, how it might affect the costs and why buying travel insurance is important. When the right cover is in place, you can travel confidently knowing that you’re financially protected.

    What has changed under the revised GST rates?

    Here are the main revisions for travel insurance and other related policies:

    • Till 22nd September 2025, the GST on travel insurance premiums in India was 18%.
    • From 22nd September 2025 onwards, family and individual travel insurance policies (this includes accident/medical cover as the main supply) are exempt from GST (0%).
    • The add-on or standalone travel covers (for instance, only cancellation or only luggage loss) might still attract GST until they’re bundled with the main policy.
    • Employer-sponsored health/accident/travel insurances or group policies might continue with the 18% GST unless they are specifically re-classified.

    How the revised GST affects travel insurance premiums

    When you’re purchasing a new travel insurance policy (for family or an individual), you may save up to 18% on tax. It’s because the GST is now 0% instead of 18%. For instance, if the base premium is ₹6,000 and the previous GST of 18% would have added ₹1,080, it would lead to a total premium of ₹7,080. However, now that the GST is at 0%, you need to pay only ₹6,000.

    For the add-ons that are included in the travel insurance bundle (for instance, trip cancellation, baggage-loss cover or medical evacuation), the whole bundle will become eligible for the 0% GST. This will only happen if it’s treated as a composite supply alongside the main accident/medical cover. However, if you buy a standalone add-on policy separate from the main cover, the GST might still apply at 18%. So, the total cost might remain much higher.

    What the GST change means for domestic and international travellers

    The revised GST for travel insurance is likely to influence how travellers plan and budget their trips. For domestic travellers, who generally need lower coverage for shorter trips within India, the 0% GST means the quoted premium will now be almost the same as the base premium. This may encourage more Indians to insure domestic travel.

    For international travellers, the removal of GST brings noticeable savings, especially for overseas trips where medical costs are higher. Travellers can now either opt for a higher sum insured, save on the total premium or include more add-ons within the same budget. For example, if a family’s base premium was ₹10,000, it earlier rose to ₹11,800 with the 18% GST. Now, with GST at 0%, the same plan costs ₹10,000.

    Frequent flyers will also benefit from this change, as multi-trip or annual travel policies become more affordable under the new structure. With a lower tax burden, travellers can redirect their savings towards better coverage, trip upgrades or other travel-related amenities they might have avoided earlier due to cost.

    Tips to manage and reduce travel insurance costs after GST revision

    Here are some unique ways you can lower and manage the travel insurance costs after the GST revisions:

    • You should compare multiple insurance companies and take a look at their base premium before tax or discounts. Since the GST stands at 0%, the headline premium is more transparent.
    • Pick a coverage level that you really need. The high-risk nations, senior travellers and long trips demand much higher premiums. When you align the coverage with risk, it will help you control the cost.
    • Go for add-ons only if they are needed for your trip (for instance, high baggage value, adventure sports, trip cancellation cover, etc.). Even when the GST is at zero, add-ons can increase the premium.

    Why does buying travel insurance still matter despite GST changes?

    Below are some of the reasons why you must opt for travel insurance despite the GST changes:

    • Medical emergencies overseas or even in remote areas in India might cost a lot more, and having travel insurance can safeguard you from a financially crippling event.
    • Trip cancellations, loss of baggage and flight delays are unpredictable and might disrupt the business plans or holiday budgets. Having travel insurance can help cover all these things.
    • Even with the GST benefit, the main value is in the cover, ease of serving and the claim settlement quality. Remember, saving tax is good, but the insurance cover is important as well.
    • For many destinations, such as those in the Schengen area, travel insurance is needed when you apply for the visa. If you skip it to save money, it will lead to compliance issues, or the visa will be refused.
    • When the tax burden is lowered by 0% GST, you may be more inclined to pick the appropriate coverage instead of the minimal cover.

    Conclusion

    In India, the revised GST on domestic and international travel insurance is a welcome relief, as from 22nd September 2025, the family and individual travel insurance policies can be purchased at 0% GST, which might lower the cost and also make the cover affordable. Nevertheless, the premium you pay depends heavily on the coverage level, trip duration, age and destination. The freed-up tax amount will give you the chance to either upgrade the cover or save money.

    FAQs

    1. Is the GST applicable to individual travel insurance policies now?

    For the family/individual travel insurance policies that are purchased after or on 22nd September 2025, the GST is 0%.

    1. Do the add-ons like lost baggage or trip cancellation attract GST now?

    If these add-ons are part of a bundled travel insurance policy with accident or medical cover, the entire bundle might be exempt. Standalone add-ons might still attract GST.

    1. Does the GST exemption apply to group travel insurance (e.g., corporate team)?

    No. Group travel insurance is typically still taxed at 18%.

     


    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.

  • List of US National Parks to visit

    by Nitin Vishwakarma | Dec 15, 2025

    There’s something special about stepping into a US national park; it’s where everyday life fades and nature takes over. Whether you’re craving a quiet moment by a mountain lake, a family hike through giant sequoias or the thrill of spotting wildlife in their natural habitat, these parks offer it all. With 63 national parks spread across the country, each one has its own story to tell.

    This guide will help you discover the best US national parks to visit and when to experience them at their finest.

    What are national parks?

    National parks are government-protected areas created to preserve nature, wildlife, cultural heritage and ecosystems. Visiting these parks lets you explore scenic trails, spot diverse wildlife and learn about unique natural environments. They also serve as ideal destinations for adventure, relaxation and eco-friendly travel.

    List of top national parks in the USA to visit

    The following is a list of some of the best United States National Parks:

    National Park

    Location

    Key Attractions

    Best Time to Visit

    Yellowstone National Park

    Wyoming, Montana, Idaho

    Geysers, hot springs, wildlife

    May to September

    Grand Canyon National Park

    Arizona

    Grand Canyon viewpoints, hiking trails

    March to May, September to November

    Yosemite National Park

    California

    Waterfalls, cliffs, giant sequoias

    April to October

    Zion National Park

    Utah

    Canyons, rivers, hiking trails

    Spring and Fall

    Everglades National Park

    Florida

    Mangroves, alligators and birdwatching

    November to April

    Rocky Mountain National Park

    Colorado

    Alpine trails, lakes and wildlife

    June to September

    Acadia National Park

    Maine

    Coastal scenery, hiking, biking

    September to October

    Best time to visit national parks in the USA

    The best time to visit national parks in the USA depends on the region and the kind of experience you want. Generally, spring and fall are the most pleasant seasons, offering mild weather and fewer crowds.

    Summer is also a popular time to visit but can be busy and warmer. Winter provides a unique experience with snow-covered landscapes, though some trails and roads may be closed due to weather conditions.

    Tips for first-time national park visitors

    The following tips can help make your first visit to national parks memorable and hassle-free:

    • Plan ahead: Check park maps, entry fees and permit requirements before your trip.
    • Start early: Arrive early to avoid crowds and secure parking.
    • Pack essentials: Bring water, snacks, sunscreen, comfortable shoes and a first-aid kit.
    • Respect nature: Stay on marked trails, avoid disturbing wildlife and dispose of waste responsibly.
    • Check weather and alerts: Stay updated on seasonal conditions, closures and wildlife warnings.

    Reasons to buy travel insurance for the USA

    You should buy travel insurance for the USA to stay protected from unexpected events like flight cancellations, medical emergencies or lost baggage. Reliable travel insurance provides financial protection and peace of mind during such situations. The right plan can help cover medical expenses, trip delays and lost or stolen belongings. With travel insurance online, it’s easy to compare multiple plans and choose the one that best suits your travel needs before your trip.

    Conclusion

    Exploring National Parks in USA isn’t just about ticking destinations off your list; it’s about reconnecting with nature and slowing down in a world that’s always moving fast. Whether you’re hiking through Yosemite’s cliffs or watching a Yellowstone geyser erupt, each park offers a chance to pause and truly experience the outdoors.

    Just remember to travel prepared; with smart planning and reliable travel insurance for USA, your adventure can be as worry-free as it is unforgettable.

    FAQs

    1. What are the best US national parks for first-time travellers?

    Yellowstone, Grand Canyon, Yosemite, Zion and Rocky Mountain are great choices with iconic views and easy accessibility.

    2. When is the best time to visit national parks in the USA?

    April to June and September to October offer pleasant weather and fewer crowds, while winter visits can be uniquely scenic.

    3. How can I buy travel insurance for the USA online?

    Compare plans from trusted insurers online and choose coverage for medical emergencies, cancellations and baggage loss.

    4. Do I need a permit to visit national parks in the USA?

    Some parks require entry or camping permits. Check the official NPS website before visiting.

    5. Can I visit multiple national parks on one trip?

    Yes, many parks are close together, such as Utah’s “Mighty 5” or California’s Yosemite and Sequoia, making multi-park trips easy.


    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.

  • Pyramids of Giza: Complete guide for first-time visitors

    by Nitin Vishwakarma | Dec 15, 2025

    The Pyramids of Giza are one of the most famous landmarks in the world. They are the last remaining wonders of the ancient world and attract millions of visitors each year. Located near Cairo in Egypt, these massive stone structures have stood tall for more than 4,000 years. Visiting the Pyramids is an unforgettable experience, from walking around the Great Pyramid to watching the sunset over the desert sands. This guide will help you plan your first trip to the Pyramids of Giza easily and make the most of your visit.

    What is the Great Pyramid of Giza?

    The Great Pyramid of Giza is the biggest among the three pyramids on the Giza Plateau. It was built as a tomb for the Pharaoh Khufu (also known as Cheops) around c. 2543 - c. 2436 BCE.

    • Height: Originally about 147 metres, now around 137 metres due to erosion.
    • Materials: Around 2.3 million limestone and granite blocks were used.
    • Purpose: Served as a royal tomb and symbol of power.

    Along with the Great Pyramid, there are two smaller pyramids (Pyramid of Khafre and the Pyramid of Menkaure). The famous Sphinx, a half-human and half-lion statue, also stands nearby, guarding the complex.

    Best time to visit the Pyramids of Giza

    The best time to visit is during the cooler months from October to April, when the weather is pleasant for walking and exploring. This is also the peak season, so expect more visitors, especially around holidays. From May to September, it gets very hot, but you’ll find fewer crowds and shorter queues, which is ideal if you prefer a quieter visit.

    For the best experience, go early in the morning when the site opens. Weekdays (Monday to Thursday) are calmer, while Fridays and Saturdays are crowded with local and international tourists. Early spring (March-April) and late autumn (October-November) offer the perfect mix of good weather and manageable crowds.

    Things to do at the Pyramids of Giza

    There is much more to experience at the Egyptian Pyramid than simply viewing the monuments. Here are some things to do:

    • Enter the Great Pyramid: You can go inside for a small fee. The narrow passageways lead to the King’s Chamber, which is an exciting experience for history lovers.
    • See the Sphinx: The Great Sphinx of Giza is one of the most photographed monuments in the world.
    • Visit the Solar Boat Museum: This museum displays a restored wooden boat that was buried near the Great Pyramid.
    • Ride a camel or horse: A camel ride around the pyramids is a unique experience, especially during sunset.
    • Sound and light show: Every evening, there’s a show that tells the history of the pyramids through lights, sound and narration.

    Where to get the best views of the Pyramids

    The Pyramids look stunning from many spots, but here are some of the best viewpoints:

    • Panoramic point: Located a short distance from the main site, it offers a view of all three pyramids in one frame.
    • From the desert: A camel or horse ride into the nearby desert gives beautiful angles and fewer crowds.
    • At sunset: The golden colours of the sky make the pyramids glow and are perfect for photos.
    • From a nearby hotel terrace or rooftop cafe: If you stay nearby, many rooftops offer breathtaking views during the day and night.

    How to get to the Pyramids of Giza?

    The Pyramids of Giza are located about 15 kilometres from central Cairo and are easily accessible through several transport options. The most convenient way to reach them is by taxi or a ride-hailing app, though it’s best to confirm the fare before starting the journey.

    You can also take a metro to Giza station and continue with a short taxi or bus ride to the pyramid site. Many guided tours also include transportation and entry tickets, offering a hassle-free experience.

    For families or groups seeking comfort, hiring a private car with a driver is another good choice. Once you arrive at the entrance, you can explore the vast complex on foot or choose to hire a camel, horse or carriage for a more traditional experience.

    Tips for visiting the Great Pyramid of Giza

    Here are some great tips when you visit the Great Pyramid of Giza:

    • Start early to avoid crowds and the intense desert heat.
    • Carry a generous amount of water to stay hydrated throughout your visit.
    • Dress comfortably in light cotton clothes and wear a hat and sunglasses for protection.
    • Wear sturdy shoes, as the ground around the pyramids is uneven and sandy.
    • Bring some cash for small expenses and tips, as not all vendors accept cards.
    • Politely decline any offers for “free” photos or camel rides to avoid scams.
    • Respect the site by not climbing on the pyramids or damaging any part of the monuments.

    Reasons to buy travel insurance for Egypt

    Travel insurance is not a mandate when travelling from India to Egypt, but buying one before your trip is a smart choice. Here’s why:

    • Medical coverage: Covers the cost of treatment or hospitalisation in case of illness or injury.
    • Trip cancellations or delays: Provides compensation if your flight, tour or hotel booking gets cancelled or delayed.
    • Loss or theft of belongings: Protects you if your luggage, valuables or passport are lost or stolen.
    • Emergency assistance: Offers 24/7 support for medical or travel emergencies, including help with replacements and arrangements.
    • Coverage for missed connections: Reimburses additional costs if you miss a flight or tour due to reasons beyond your control.

    Conclusion

    A visit to the Pyramids of Giza is a journey through history. Standing before these ancient wonders makes you realise the brilliance of early human civilisation. From exploring the tombs to watching the sunset over the sands, every moment feels magical. Plan your visit well with good travel insurance for Egypt, stay prepared for the desert conditions and take time to enjoy the beauty and mystery of this timeless site.

    FAQs

    1. How much time should I plan to explore the Pyramids of Giza?

    Most visitors spend 3 to 4 hours exploring the main pyramids, the Sphinx and the surrounding complex. If you plan to enter the Great Pyramid or visit the Solar Boat Museum, allow some extra time.

    1. Can visitors go inside the pyramids?

    Yes, you can enter one or more pyramids for an additional ticket fee. The passageways are narrow and steep, but it’s a fascinating experience to see the inner chambers up close.

    1. What facilities are available near the pyramids?

    There are basic restrooms, small cafés and souvenir shops near the entrance. Some nearby hotels and restaurants also offer excellent views of the pyramids.

     


    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.

  • Wildlife safari destinations in the world

    by Nitin Vishwakarma | Dec 15, 2025

    A wildlife safari is an excellent way to observe animals in their natural habitats. For nature lovers, it helps create a deeper connection with nature. Whether it is the open grassland of Africa or the tropical forests of Asia, each safari provides travellers with unique experiences that blend adventure, exploration and learning.

    There are several destinations that are known to provide the best wildlife safari experience in the world. Having the list of these safaris handy can help adventure lovers make the most out of their trip.

    What is a wildlife safari?

    A wildlife safari is a guided expedition that allows travellers to observe animals in their natural environment. It offers a close encounter with nature, promoting wildlife conservation and eco-friendly tourism. Visiting these destinations provides an exciting and educational experience for nature and adventure lovers alike.

    Different types of wildlife safaris

    A wildlife safari can be experienced in different forms. Each of them offers a unique way to explore nature and observe animals in the wild. A few of the most common types are as follows:

    • Jeep safari: This is one of the most common safari types, ideal for spotting big game across national parks and reserved lands.
    • Walking safari: This offers a more intimate and adventurous experience. These are mostly guided by experts to ensure safety while tracking animals on foot.
    • Boat safari: These safaris are conducted on rivers or lakes. These are perfect for observing aquatic wildlife, such as hippos, crocodiles and birds.
    • Balloon safari: If you are looking for a bird’s-eye view, then a balloon safari is a way to go. More popularly in Africa’s savannah regions, it provides a unique view of wildlife and landscapes.
    • Night safari: This safari type allows visitors to witness nocturnal animals and their unique behaviours under the moonlight.

    List of the best wildlife safaris in the world

    Here is the list of the best wildlife safaris in the world.

    Destination

    Country

    Key highlights

    Masai Mara National Reserve

    Kenya

    Witness the Great Migration and spot lions, elephants and cheetahs across vast grasslands.

    Serengeti National Park

    Tanzania

    Experience the Big Five and the dramatic migration of wildebeests and zebras.

    Kruger National Park

    South Africa

    Enjoy excellent infrastructure, diverse wildlife and a mix of luxury and budget safaris.

    Jim Corbett National Park

    India

    Explore the oldest national park in India, home to Bengal tigers and over 600 bird species.

    Chobe National Park

    Botswana

    Known for massive elephant herds and scenic boat safaris on the Chobe River.

    Yellowstone National Park

    United States

    Spot bison, bears, wolves and other wildlife amid geysers and hot springs.

    Yala National Park

    Sri Lanka

    Famous for high leopard density and sightings of elephants, crocodiles and birds.

    Okavango Delta

    Botswana

    A unique wetland safari destination offering both water and land-based adventures.

    Amazon Rainforest

    Brazil

    Discover exotic wildlife such as jaguars, monkeys and rare bird species.

    Ranthambore National Park

    India

    Known for tiger sightings and ancient ruins that add a historic charm to the wilderness.

    Tips for first-time wildlife safari visitors

    Going on your first wildlife safari can be thrilling. Still, preparation is key to making the most of the experience. Here are a few essential tips for first-time safari visitors.

    • Dress appropriately: Wear neutral-coloured and lightweight clothing. This helps blend better with the environment and stay comfortable.
    • Carry essentials: Bring binoculars, a good camera, sunscreen, insect repellent and a reusable water bottle.
    • Follow safety rules: Always listen to your guide. Also, maintain a safe distance from animals.
    • Be patient and observant: Wildlife sightings depend on timing and luck. Stay alert and enjoy the surroundings.
    • Respect nature: Avoid loud noises, littering or disrupting animals in their habitat.
    • Choose the right time: Visiting during early mornings and late afternoons are usually the best times for safaris.

    Reasons to buy travel insurance when going for a wildlife safari

    Unforeseen situations, such as medical emergencies or lost baggage, can happen on any trip. This is where buying a suitable travel insurance online becomes essential. It provides financial protection against trip cancellations, delays, lost baggage or medical issues. Based on your needs, you can choose a plan, like multi-trip or single trip travel insurance. Adventure coverage under the insurance plan ensures complete safety during activities such as trekking or boating. Overall, it gives you the confidence to explore the best wild safari in the world worry-free.

    Conclusion

    Visiting the best world wildlife safari destinations can be a life-changing experience that connects you with nature in its purest form. Each destination provides a unique glimpse into the animal kingdom and its natural beauty. By following the right tips and preparation, like having suitable travel insurance, travellers can make their safari experience most memorable.

    FAQs

    1. Which is the best animal safari in the world?

    The Masai Mara National Reserve in Kenya is considered to be one of the best animal safaris in the world.

    1. What is the ideal time to go on a wildlife safari?

    While the ideal time for a wildlife safari depends on the destination, generally, the dry season, from June to October for Africa and November to April for India, is good.

    1. What should I pack for a wildlife safari?

    Carry lightweight clothing, a hat, sunscreen, insect repellent and a camera with extra batteries, followed by essential documents, such as identification and travel insurance papers.

     


    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.

  • What are the documents required for a Schengen tourist visa?

    by Nitin Vishwakarma | Dec 15, 2025

    Planning a trip to Europe is exciting, but before you explore its famous landmarks and charming streets, you’ll need a Schengen visa. This single visa lets you travel across 29 countries with ease. However, meeting the Schengen visa requirements and getting approval depends on having the right documents in place. Missing even one can delay your plans.

    Here’s a guide to help you understand exactly what you need for a smooth and stress-free visa application.

    What is a Schengen tourist visa?

    A Schengen tourist visa allows travellers to visit and move freely across the 29 countries within the Schengen area. It is usually valid for up to 90 days within a 180 day period. In simple terms, it removes the need to apply for separate visas for each country, making travel across Europe more convenient. Holding this visa also ensures compliance with European border regulations while exploring multiple destinations on a single trip.

    What are the core documents needed for a Schengen tourist visa?

    To apply for a Schengen tourist visa, you must have all the documents required for a Schengen visa, including a valid passport with at least three months’ validity beyond your planned return date, a correctly filled and signed visa application form and recent passport-size photographs that meet Schengen specifications.

    You’ll also need proof of travel arrangements, such as confirmed flight bookings or an itinerary and proof of accommodation like hotel reservations or an invitation letter from your host. Among the key documents needed for a Schengen visa, valid travel insurance is mandatory for all applicants to ensure coverage during your stay.

    Trip-related documents needed for a Schengen tourist visa

    Along with the core documents required for Schengen visa, you must also submit trip-related documents for your Schengen tourist visa. These include a detailed travel itinerary outlining your daily schedule, confirmed round-trip or onward flight bookings and proof of hotel reservations for your entire stay.

    If you’re visiting friends or family, include an invitation letter with their address and contact details. You should also attach tickets or confirmations for any tours, events or activities planned during your trip.

    Additional documents needed for Schengen tourists

    In addition to the core and trip-related papers, you may need to submit some extra documents required for Schengen tourist visa. These include financial proof such as recent bank statements, salary slips or sponsorship letters, along with employment documents like leave approval or an employment certificate.

    Students should provide proof of enrolment or a No Objection Certificate (NOC) from their institution, and you may also need civil status documents and copies of previous Schengen visas, if applicable.

    What are the guidelines for Schengen tourist visa documents?

    When preparing documents for a Schengen tourist visa, it’s important to follow some basic guidelines to ensure a smooth process. Make sure all your personal details are accurate and consistent across all documents, and only submit valid and up-to-date ones. Provide clear, legible copies and include certified translations for any documents not in English.

    Lastly, keep all papers neatly organised according to the Schengen visa documents checklist provided by the respective embassy.

    Is travel insurance for Schengen mandatory?

    Yes, travel insurance policy is a mandatory requirement for a Schengen tourist visa. The policy must cover medical emergencies, hospitalisation, accidents and repatriation for the entire duration of your stay. It should offer a minimum coverage of €30,000 and be valid across all Schengen countries. Having this insurance ensures that you are financially protected in case of any unforeseen events during your trip.

    Conclusion

    Applying for a Schengen visa isn’t just about paperwork; it’s about setting the foundation for a smooth and stress-free travel experience. Being organised with your documents and planning ahead can make the process far easier and boost your chances of approval. Most importantly, including reliable travel insurance for Schengen ensures that no unexpected situation disrupts your dream European trip. With everything in order, you can focus on what truly matters; enjoying your journey with peace of mind.

    FAQs

    1. What is the minimum travel insurance coverage required for a Schengen visa?

    The minimum coverage required for a Schengen visa is €30,000. Policies may vary in coverage and benefits, so check the terms with your provider.

    2. Can I submit photocopies of Schengen visa documents or are originals required?

    Original documents are generally required for key items like passports, financial statements and insurance policies. Supporting documents, such as hotel bookings or itineraries, are often accepted as photocopies.

    3. How early should I prepare my documents before applying for a Schengen tourist visa?

    It is recommended to start preparing documents at least 3-4 weeks before your visa appointment. You may need to start earlier during peak travel periods or if additional documents are 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.

  • Symptoms of Hepatitis C new test

    by Adnan Ansari | Dec 11, 2025

    Have you ever heard of hepatitis C? It's a liver disease caused by the hepatitis C virus (HCV) that affects millions of people around the world. Left untreated, HCV can lead to severe health problems such as cirrhosis (liver scarring). Knowing the symptoms and signs of hepatitis C is key to catching it early and getting proper treatment as soon as possible. In this blog post, we'll dive into what Hepatitis C is, discuss the various types, list its common signs and symptoms, how prevention works best in combating it, and provide helpful resources to turn to when seeking help for yourself or someone close to you if needed.

     

    What are the Symptoms of Hepatitis C?        

    Long-term or chronic hepatitis is usually followed by acute hepatitis, which in most cases is asymptomatic. The acute form may be associated with some generalized symptoms that include fatigue, joint pain, and pain in the upper right side of the abdomen, which are the early symptoms of hepatitis C. This makes the diagnosis of acute HCV infection challenging.

    The other signs and symptoms of hepatitis C include the following:

    • Nausea and vomiting
    • Abdominal pain
    • Fluid accumulation or edema in ankles and feet
    • Build-up of ascites in abdomen
    • Dark urine
    • Jaundice
    • Poor quality of life
  • Travel Insurance with Medical Cover Benefits

    by iciclombard 01 | Nov 29, 2025

    Travelling to a new country is exciting, but it can also come with unexpected situations. You might fall ill or have an accident abroad, and hospital bills in some countries can be very high. This is where travel insurance with medical cover becomes very useful. It helps protect you from unexpected expenses in case of a medical emergency while travelling.

    What is medical cover in travel insurance?

    Medical cover in travel insurance is a part of your policy that pays for healthcare if you get sick or injured while you are on your trip. If you need to see a doctor, go to the hospital or even get emergency surgery, this cover can help you manage the costs.

    Without it, you may have to pay for treatment from your own pocket, which can be very expensive, especially in countries like the USA or Europe.

    Medical cover also includes help in case you need to be brought back to India for treatment. This is known as medical evacuation and can cost lakhs of rupees without insurance.

    Types of medical expenses covered in travel insurance

    Most travel insurance plans with medical cover will help you with:

    • Medical emergencies: Emergencies for you or your loved ones due to an accident that requires immediate treatment.
    • Evacuation/transportation to the nearest health facility: Air lifts or ambulance evacuations to the nearest medical facility where care can be provided.
    • Short-term medical treatment: A sudden illness like food poisoning, or infections that require hospitalisation for a short period of time.
    • Accidental death: Transportation of the body back home or to the nearest funeral home. Life insurance benefits for family members.
    • Disability coverage: Coverage for any temporary or permanent disability caused during travel that can impact the patient's quality of life.

    Benefits of having medical cover in travel insurance

    Here are some important reasons why medical cover is a must in your single trip travel insurance:

    • Money-saving: Medical care abroad can cost thousands. Insurance helps avoid huge bills.
    • Emergency help: Some insurance providers offer 24/7 support and can guide you in finding a hospital or arranging treatment.
    • Covers serious issues: A medical cover can help in cases like accidents, infections and food poisoning.
    • Support for family: If you are hospitalised for many days, your insurance might pay for a family member to visit and support you.

    How does medical cover in travel insurance work abroad?

    First, call the emergency number provided in your insurance policy. They will tell you what to do and may guide you to a nearby hospital.

    In some cases, the insurance company has tie-ups with hospitals, and they will pay directly. However, if you pay first, keep all bills and prescriptions. You can later send them to the insurance company and get reimbursement (as per the policy terms).

    If the situation is serious, your insurance may cover medical evacuation. This includes arranging and paying for transport either back to India or to a better-equipped hospital nearby.

    Make sure you carry a copy of your travel insurance and know the contact details of your insurance company while travelling.

    Conclusion

    Medical cover in travel insurance is very important for every international traveller. It protects you from unexpected health problems and expensive medical bills while you are far from home.

    Buying travel insurance online is now quick and convenient, but it’s still important to read the policy terms carefully and make sure the plan matches your needs. If you need help choosing the right travel insurance with medical cover, fill out the form on this page to get expert advice.

     


    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.

  • Guide to Handling Hospitalisation Abroad

    by iciclombard 01 | Nov 28, 2025

    Sometimes, when travelling overseas, unexpected things might occur, such as getting injured or falling ill. If you need to be hospitalised in a foreign nation, it can be stressful, especially if you are not prepared. Understanding what to do during a medical emergency abroad and how travel insurance works can help you stay calm and get the correct support when you need it the most.

    What to do in case of a medical emergency abroad?

    If you or someone you’re travelling with has a medical emergency, it's crucial to act quickly but calmly. Here are the steps that you should follow:

    1. Seek medical help immediately

    If it's a serious emergency like a heart disease, an accident or any other life-threatening condition, call the local emergency number immediately. If the condition is not that severe, but it still requires medical attention, you can visit a nearby clinic or hospital. The majority of the tour guides, hostels or hotels can help you contact a hospital or arrange transport.

    2. Inform your travel insurance provider

    Once the entire situation is under control, contact the travel insurance provider quickly. They usually have a 24-hour helpline. Let them know what happened and where you are getting treated. Some insurance firms also have a local network of hospitals they work with. Try to visit a hospital that is within their network for smoother and quicker services.

    3. Stay informed and keep calm

    You should keep a record of the treatment. Ask questions to have a good understanding of the treatment plan, how long the hospital stay will be and the cost involved. If language is an issue, ask for a translator. Many hospitals in some of the main cities have English-speaking team members.

    Role of travel insurance in hospitalisation abroad

    Having multi-trip or single-trip travel insurance can make a massive difference if you fall ill or get hospitalised in a foreign country.

    1. Covers medical costs

    Your insurance will usually cover the expenses for surgeries, tests, medicines, doctor consultations and even hospitalisation, depending on the policy. This means that you don’t have to pay for everything from your pocket.

    2. Cashless treatment

    If the hospital is within the network of the insurance firm, you might receive a cashless treatment. This means that the hospital will send all the bills directly to the insurer, and you don’t have to pay upfront.

    3. Emergency evacuation

    Some travel insurance policies also cover emergency evacuation. For instance, if you want to be moved back to India because of severe health issues, the insurer will cover the cost of air ambulances, medical escorts and other transportation arrangements required for safe relocation

    4. Daily allowance

    Many policies provide a daily allowance if you are hospitalised for a long time. This payout will help with the cost of food, transport and various other daily needs.

    5. Coverage for pre-existing conditions

    Some of the insurance plans offer limited coverage for pre-existing conditions, such as heart issues or diabetes, if the medical condition is unexpected.

    Documents & information needed at the hospital

    Being well-prepared with the correct documents can make things a lot smoother at the hospital. Here’s what you will need:

    1. Visa and passport

    You need to show your passport and visa at the hospital. It will help confirm your identity and legal stay in the nation.

    2. Travel insurance policy

    Carry a digital or printed version of your insurance policy. Make sure you also have the emergency contact information of your insurance firm.

    3. Insurance letter or card

    Many insurance service providers give an insurance card or a letter to carry while travelling. It contains contact information for help and your policy number.

    4. Medical records (if any)

    If you have an ongoing health issue, you should carry your medical history, recent test reports and even doctor’s prescriptions. It will help the foreign doctors understand your condition correctly.

    5. Payment method

    If cashless service is not available, you might have to pay first and then claim later. Carry a working international credit or debit card.

    Claim process for hospitalisation abroad

    Filing a claim correctly is important to get your expenses settled or refunded. There are two primary types of claims:

    1. Cashless claim

    If you’re treated at a hospital that is in your insurer’s network:

    • Step 1: Inform the insurance firm immediately.
    • Step 2: The hospital will send the medical bills and details to the insurance firm.
    • Step 3: Once it gets approved, the insurance firm will pay the medical bill directly to the clinic/hospital.

    2. Reimbursement claim

    If you have to pay the bills all by yourself:

    • Step 1: Collect all the discharge summaries, reports and bills.
    • Step 2: Fill out the claim form (You will find this in the insurer’s app or website).
    • Step 3: Submit the documents online or by post within the given time limit (usually it’s 30 days).
    • Step 4: The insurance firm will review and then transfer the approved amount to your bank account.

    What to check while buying a travel insurance policy?

    You should check the following aspects while purchasing travel insurance online, as not all policies are the same:

    1. The coverage limit

    Check the total amount covered under the medical expenses. For nations with expensive healthcare, go for a higher sum insured.

    2. Cashless hospitals abroad

    Look for insurers who have tie-ups with hospitals in the nation you’re visiting. This will help you avoid the stress of paying a massive amount on the spot.

    3. Pre-existing illnesses

    If you have any pre-existing condition, make sure the policy either provides partial or complete coverage. Some policies exclude pre-existing illnesses entirely.

    4. Claim process

    Pick a provider that provides a fast and easy claim process. This includes online claim submission, mobile app, 24/7 helpline and much more.

    5. Trip type and duration

    If you’re travelling for a short holiday, extended stay or a student programme, pick a plan suitable for the trip length.

    Conclusion

    Getting hospitalised in a foreign nation can be scary, but being prepared can save you from financial loss and major stress. A single trip travel insurance will be your ultimate protection against all unexpected costs abroad.

    If you’re not sure which travel insurance you should opt for or need some help in picking the right one, we’re here to assist you. Just fill out the form on this page to get personalised advice based on your health needs and travel plans.

     


    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.

  • Russian Citizenship for Indians: Eligibility & Application

    by iciclombard 01 | Nov 11, 2025

    Russia is famous for its strong economy, respected universities and demand for skilled talent, and it has become a destination where Indians build careers and also explore the option of settling permanently. More people now consider Russian citizenship as a way to secure long-term stability, social benefits and the freedom to live without immigration hurdles.

     

    Knowing the eligibility rules, requirements, application process and how travel insurance changes after gaining citizenship can help you prepare better for this significant step.

    Benefits of getting Russian citizenship for Indians

    Getting Russian citizenship can open doors you might not expect. Some advantages include:

    • Full rights and stability: As a citizen, you no longer depend on visas or residence permits. You can live, work and travel inside Russia without immigration hurdles.
    • Access to social benefits: Citizens usually enjoy better access to public healthcare, education subsidies and social programs compared to foreign residents.
    • Freedom of movement: You do not need to renew residence permits or visas frequently and can move freely around Russia.
    • Simplified legal status: You no longer need to prove your status repeatedly or worry about permit renewals.
    • Potential diplomatic protection: In international matters, Russia supports you as one of its own citizens and offers protection when required.
    • Ease in transactions: Buying property, starting a business or using banking services is often simpler for citizens.

    Eligibility criteria for Russian citizenship for Indians

    You need to meet specific conditions set by the government to qualify for Russian citizenship for Indians. The general requirements include:

    • Living in Russia continuously for at least five years.
    • Holding a valid permanent residence card throughout the stay.
    • Passing a recognised test that shows Russian language skills and basic knowledge of Russian history and law.
    • Renouncing previous citizenship, unless exempt under special rules.
    • Demonstrating financial stability and proof of accommodation in Russia.
    • Having a clean record and agreeing to follow the Russian constitution.

    There are also some simplified routes in addition to the standard path. They include:

    • By descent: Children of Russian parents or those with Russian ancestry (parents or grandparents) can claim citizenship.
    • By marriage: Foreign nationals married to Russian citizens may apply through a shortened process.
    • By investment: Investment can help you obtain a residence permit. Applicants may secure citizenship under the standard naturalisation procedure after they meet the residence requirement. It is generally five years as a permanent resident.
    • By birth: Children born in Russia to Russian parents automatically obtain citizenship.

    Documents required for Russian citizenship for Indians

    Ensure you meet all the requirements for Russian citizenship before applying. Always check the specific local migration office, as there may be regional tweaks.

    • Original and copies of a valid Indian passport
    • Birth certificate
    • Marriage certificate if you are applying via the spouse route
    • Proof of permanent residence permit in Russia
    • Proof of continuous residence, like rent agreements, utility bills and registration
    • Evidence of income/sustainability, like salary slips, bank statements and tax returns
    • Russian language test certificate or proof of education in Russian
    • Clean police/criminal record certificate from India and Russia
    • Document showing renunciation or willingness of previous citizenship, if required
    • Identification photos

    How to apply for citizenship in Russia for Indians?

    First, collect the required forms and guidelines from your regional Ministry of Internal Affairs or migration authority. Prepare and notarise all necessary documents, including translations, before submitting your application with the complete set of papers. Pay the application fee and keep the receipt for reference.

    You may be called for interviews or tests to assess your knowledge about the country, its laws and the language. After this, wait for the decision, which may take some time, depending on the citizenship application request. If your application is approved, you can apply for a Russian passport and complete your citizenship registration officially.

    Does Indian travel insurance work post getting Russian citizenship?

    Most Indian travel insurance policies will no longer apply once you become a Russian citizen, as they are designed for Indian passport holders. This means claims or renewals under the ‘travel insurance for Indians’ category may not be accepted. You would need international global health insurance plans that cover Russian citizens to stay protected, especially if you are travelling outside Russia. It is also important to review the policy terms of travel insurance for Russia for any residency-based clauses or restrictions.

    Conclusion

    Gaining Russian citizenship as an Indian involves meeting clear eligibility requirements, preparing the right documents and following a structured application process. Though it can be demanding, the outcome offers long-term stability, legal security and wider opportunities for those who plan to build their future in Russia.

     

    Staying updated on recent changes in Russian citizenship laws is equally important, as reforms can ease or tighten requirements and directly affect your eligibility. This approach will make sure that you plan with clarity and avoid unnecessary delays.

    FAQs

    • What are the basic requirements for Russian citizenship for Indians?

      The basic requirements include five years of residence, a valid permit, language proficiency and proof of income.

    • How can I start the application for Russian citizenship?

      You can start the Russian citizenship application by submitting the required forms and documents to your regional Ministry of Internal Affairs migration office.

    • Does Russia allow dual citizenship with India?

    Russian dual citizenship is not recognised in India, so Indian nationals must usually give up their Indian passport.


    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.

  • International Roaming SIM Cards vs. International eSIMs: What to Choose

    by iciclombard 01 | Nov 08, 2025

    Travelling abroad can be stressful enough without worrying about phone connectivity. Being unable to make calls, check maps or use travel apps can disrupt your plans and incur unnecessary costs. Choosing the right solution, whether an international roaming SIM card or an eSIM, ensures you stay connected, save time and manage expenses efficiently.

    Pairing this with an international travel insurance policy adds financial protection and peace of mind, helping you enjoy a smooth and hassle-free trip.

    What are international roaming SIM cards?

    International roaming SIM cards are physical SIMs that let you use mobile services while travelling abroad. You can obtain them from your existing network provider or purchase local travel SIMs at your destination.

    They work with most unlocked phones and are often prepaid, making it easier to manage calls, texts and data costs. However, they can be lost or damaged and frequent travellers may find it inconvenient to carry and switch between multiple SIMs in different countries.

    What are international eSIMs?

    International eSIMs are digital SIMs built into compatible devices, allowing you to activate mobile services abroad without a physical card. You can add a plan by downloading it from a provider or scanning a QR code.

    eSIMs can store multiple plans, making it easy to switch networks while travelling. They are secure and cannot be lost or duplicated. The main limitations are device compatibility, the need for internet to set up and that many plans focus on data rather than calls and texts.

    Difference between international roaming SIM cards & international eSIMs

    Both keep you connected abroad but differ in setup, security, cost and convenience. The table below offers a clear side-by-side comparison to help you choose the best option:

     

     

    Feature

    International SIM Card

    International eSIM

    Availability

    Available at airports, shops or online

    Activated digitally, no physical card

    Setup

    Insert SIM manually

    QR code scan or app-based activation

    Network switching

    Manual, may need multiple SIMs

    Automatic, switches to best available network

    Security

    Risk of loss/theft

    More secure, digital only

    Cost

    Often cheaper with local rates

    Slightly higher, flexible subscription models

    Device support

    Works on almost all unlocked phones

    Limited to eSIM-compatible devices

    Sustainability

    Generates plastic waste

    Eco-friendly, no physical waste

     

    Things to remember when choosing between travel SIM cards & international eSIMs

    Choosing between travel sim cards and an eSIM depends on where you are going, how often you travel and what kind of phone you use. Some main factors you need to consider to make a practical decision are:

    1. Destination: Local SIMs are often cheaper in Asia and Africa; eSIMs offer more flexibility in Europe and North America.
    2. Travel frequency: Occasional travellers may prefer SIM cards; frequent travellers benefit from the convenience of eSIMs.
    3. Device compatibility: Ensure your phone supports eSIM before relying on it.
    4. Budget: SIM cards are cost-effective; eSIMs cost slightly more but offer flexibility.
    5. Environmental impact: eSIMs reduce plastic use and are more eco-friendly.

    Importance of buying international travel insurance for your trip

    International travel insurance protects you from unexpected events such as medical emergencies, trip cancellations or lost baggage. Treating insurance as essential rather than optional ensures financial security and peace of mind while abroad.

    Many policies can be purchased online, allowing you to compare coverage, adjust plans and access 24/7 global assistance. Combining the right insurance with a travel SIM or eSIM ensures you stay connected and prepared for any unforeseen situation during your trip.

    Conclusion

    Choosing the right travel SIM or eSIM can make a significant difference to your trip. The right option keeps you connected, avoids unexpected charges and ensures smooth communication wherever you go. By considering device compatibility, network coverage, plan costs and securing travel insurance online in advance, you gain control over your travel experience.

    Investing a little time in preparation gives you peace of mind, allowing you to focus on enjoying your journey rather than worrying about connectivity or unexpected events.

    FAQs

    • What is a SIM card for international travel?

    It is a prepaid SIM card that you insert into your phone to make local calls, send texts and use data while abroad.

    • What is an eSIM for international travel?

    It is a digital SIM you activate on your phone to access calls and data abroad without using a physical card.

    • What is e SIM international roaming, and how does it work?

    With eSIM international roaming, you download a plan directly onto your device and connect without using a physical SIM card.


    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.

  • Cruise Travel Insurance: Meaning & Coverage

    by iciclombard 01 | Nov 07, 2025

    A cruise offers adventure, luxury and the chance to visit several destinations in one trip. But even the best-planned holidays can face unexpected problems, such as illness at sea, missed ports or lost luggage. A cruise travel insurance policy provides broad protection against these risks by covering costs and giving you peace of mind.

    Knowing how it works helps you plan confidently, avoid surprises and enjoy your journey without worrying about what might go wrong.

    What is cruise travel insurance?

    A cruise ship insurance coverage is designed to protect against the unique risks of cruising. It covers prepaid and non-refundable expenses such as tickets, shore excursions and transfers. It can also provide protection for cruise-specific issues like missed embarkation, limited onboard medical facilities and early disembarkation.

    Because cruises often span multiple countries and international waters, the policy may offer worldwide coverage for all parts of your trip, including flights, hotels and the cruise itself.

    Why do you need travel insurance when going on a cruise?

    Cruise insurance protects you from risks that could disrupt your trip or add unexpected costs. Typical plans within the policy may cover:

    • Medical emergencies at sea: Costly treatment or evacuation when onboard facilities are limited.
    • Trip cancellation or interruption: Reimbursement for non-refundable expenses if illness or other events force you to cancel or shorten your trip.
    • Missed ports or embarkation: Extra costs if delays cause you to miss boarding or ports.
    • Lost, delayed or damaged baggage: Compensation for luggage or personal items.
    • Loss of passport or documents: Assistance with emergency replacements during international travel.
    • Liability protection: Coverage for accidental injury to others or damage to property on board.

    Note: This is an indicative list. Actual coverage varies by insurer and policy. Always read the policy wording for complete details.

    How to get the best cruise travel insurance?

    To choose the most suitable cruise travel insurance policy, focus on comprehensive protection. Compare plans that include cruise-specific benefits, as general travel insurance may not cover missed ports or cabin confinement.

    Check the sum insured and benefit limits, especially for medical evacuation. Consider optional add-ons like Cancel For Any Reason (CFAR) and review inclusions and exclusions carefully, including pre-existing conditions and high-risk activities.

    Purchase early to cover pre-departure risks, confirm the claims process and 24/7 assistance and check whether existing insurance or credit card benefits provide partial coverage.

    Note: Features and benefits vary by insurer and policy. Always read the policy wording for full details.

    What does a cruise travel insurance cover?

    Travel insurance for cruise ships covers essential risks such as medical expenses, hospitalisation, emergency evacuation and repatriation. It also protects against trip cancellations, interruptions or delays, including costs to catch up if you miss embarkation.

    The cruise insurance cover typically includes lost, delayed or damaged baggage, replacement of passports or travel documents and personal liability for accidental injury or property damage.

    Many policies offer add-ons like 24/7 assistance, cabin confinement support, adventure sports coverage, cancellation for any reason and protection for prepaid shore excursions.

    Note: This is an indicative list. Coverage varies between insurers and policies. Always read your policy wording for the complete details.

    Exclusions of a cruise travel insurance policy

    Cruise trip insurance does not cover everything. Common exclusions include pre-existing medical conditions unless specifically declared or covered, self-inflicted injuries and participation in high-risk activities without an add-on. Losses linked to illegal acts, alcohol or drug use, pandemics, wars, political unrest or piracy are typically excluded.

    Other exclusions include missed connections due to personal negligence, damage from normal wear and tear, items left unattended and time spent off the ship unless the policy extends to the entire trip.

    Note: This is an indicative list. Actual exclusions vary by insurer. Always check your policy wording.

    Conclusion

    Buying travel insurance online makes it easy to compare plans and choose coverage that fits your trip and gives you peace of mind. The right plan ensures protection for medical emergencies, missed embarkation, cancellations and lost belongings.

    Single-trip travel insurance plans suit occasional travellers, while frequent cruisers may benefit from annual multi-trip coverage. By matching your coverage to the total cost and risks of your cruise, you can enjoy your journey confidently, knowing unexpected problems will not derail your holiday.

    FAQs

    • Is cruise ship insurance necessary for short trips?

    Coverage for short cruises may vary depending on the insurer and policy. Check your policy wording or speak with your insurer to confirm what is included.

    • How is cruise insurance different from standard travel insurance?

    Cruise holiday insurance may include cruise-specific benefits such as missed port protection or cabin confinement. Exact benefits depend on the insurer and policy.

    • Can travel insurance cruise cover be customised?

    Some policies allow add-ons like adventure sports coverage or prepaid shore excursion protection. Availability and terms depend on the insurer. Always review your policy wording.


    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.

  • Visa Updates 2025 for Indians: New Rules, Countries, and Opportunities

    by Tanmay Ahuja | Oct 26, 2025

    Planning an international trip in 2025 is more than booking flights and hotels. Visa rules are changing rapidly and can impact how long you stay, how much you pay and even whether your plans proceed. Whether you are a remote worker dreaming of a year abroad, a student aiming to study overseas or a holidaymaker exploring new destinations, being aware of the latest visa updates can save time, reduce stress and help you plan your trip smarter and smoother.

    What are the new visa updates for Indians in 2025?

    This year has brought several important visa changes that affect Indian travellers. Here are the main visa updates 2025:

    • Slovenia’s digital nomad visa (from 21 November 2025)

    Indian remote workers can live in Slovenia for up to one year. The visa is non-renewable, and applicants must spend six months outside Slovenia before reapplying. It also allows 90 days of travel across other Schengen countries.

    • United States visa changes

    Non-immigrant visas now include a USD 250 visa integrity fee. F, M and J visa applicants must share social media details from the past five years. Interview waiver eligibility is reduced, meaning that more applicants will need to attend in-person interviews.

    • Argentina relaxes entry requirements

    Indians with valid U.S., Schengen or UK visas or residency permits can enter Argentina without a separate visa, making multi-country trips in South America easier and more affordable.

    • Philippines visa-free entry and digital nomad visa

    Indians can stay visa-free for 14 days starting from June 8, 2025. Those with valid U.S., UK or Schengen visas can extend their stay by up to 30 days. A digital nomad visa allows remote work for up to one year.

    • Switzerland’s golden visa

    Wealthy Indians can obtain residence through lump-sum taxation or business investment, creating local jobs. Swiss residence permits enable short-term travel across Schengen countries and offer high-quality healthcare, education and mobility for entrepreneurs.

    Impact of the new visa updates on Indian travellers

    The digital nomad visas in Slovenia and the Philippines create new opportunities for Indian remote workers to stay abroad for extended periods. Argentina’s waiver for Indian travellers with valid U.S., Schengen or UK visas or residency and the Philippines’ visa-free entry, reduce paperwork and costs, making regional and short-term travel easier.

    At the same time, U.S. changes add new hurdles. The integrity fee increases application costs, social media disclosure adds scrutiny and reduced interview waivers may slow approvals. Access to Schengen through Slovenia and Switzerland continues to offer Indian travellers greater mobility in Europe for tourism, study or work.

    Things to consider before your next international trip

    Now, let us take a look at a few considerations that make your travel smooth:

    • Check visa eligibility carefully: Remote work visas often require proof of foreign income, contracts or client lists.
    • Factor in additional fees:S. integrity fees, application charges, insurance and medical checks can increase costs.
    • Keep social media history clean: Some visas require account disclosure, so avoid content that could raise concerns.
    • Check passport validity: Ensure your passport is valid for at least six months after your planned travel date and has sufficient blank pages.
    • Stay updated: Visa rules change frequently. Verify details on the official embassy or immigration website.
    • Plan for backup: Prepare alternatives in case a visa is delayed or denied, such as refundable bookings or alternative routes.

    Reasons to buy travel insurance before your international trip

    Travel insurance safeguards you against unexpected expenses abroad, including medical treatment, evacuation or hospitalisation. It also covers trip cancellations, delays or disruptions due to visa issues or flight changes and provides support for lost baggage or stolen documents.

    For short trips, a single-trip travel insurance plan is ideal, while frequent travellers may benefit more from an annual policy.

    Conclusion

    Visa rules in 2025 are changing fast, so staying updated through official embassy websites and government advisories is essential for Indian travellers. Checking visa type, eligibility, required documents and timelines ahead of time can save both stress and delays.

    Being proactive also opens up opportunities such as digital nomad visas or visa-free entries. You can also look for travel insurance online to compare plans and stay protected, giving you the confidence to travel, work or study abroad with peace of mind.

    FAQs

    • What are the main visa updates for Indians in 2025?

    The main visa updates for Indians in 2025 include Slovenia’s digital nomad visa, Argentina’s relaxed entry and the Philippines’ visa-free stay.

    • Where can I find the most recent updates on visa regulations?

    The latest news about visa changes can be found on the official embassy websites for the most accurate and up-to-date information on visas.

    • How can I stay up-to-date with all the latest visa updates quickly?

    Subscribe to travel advisories and trusted portals to stay updated on new visa updates and ongoing visa changes worldwide.


    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.

  • Thailand Digital Arrival Card (TDAC): A Complete Guide

    by Tanmay Ahuja | Oct 26, 2025

    If you are planning to travel to Thailand, understanding the Thailand Digital Arrival Card (TDAC) is essential. The government of Thailand has introduced this system to make the arrival process of tourists smoother and more efficient. The TDAC minimises the paperwork, accelerates the immigration process and ensures that the travellers submit their information beforehand.

    In this guide, you will know what the Thailand Digital Arrival Card is, the rules to submit it and its renewal process.

    What is a TDAC?

    The Thailand Digital Arrival Card (TDAC) is an online system introduced in 2023 on a pilot basis to replace the traditional paper-based TM6 arrival and departure card. Travellers can now submit their information electronically before reaching Thailand.

    The TDAC collects important details such as personal information, travel history, flight details and accommodation in Thailand. This system is designed to reduce waiting times at immigration checkpoints and streamline the entry process.

    As of now, the TDAC is being phased in gradually, and some travellers may still be required to fill out the paper TM6 form depending on their entry point.

    What are the rules for submitting the TDAC?

    Travellers must follow specific rules when using the TDAC. These include:

    • The TDAC should be completed before arriving in Thailand.

    • It is mandatory for most travellers, except for:

      • Transit passengers not entering the country.

      • Border pass holders who travel within permitted border zones.

    • Incorrect or incomplete information may cause delays during entry.

    • The information submitted must match your passport and travel documents.

    Procedure for online submission of the TDAC

    The online TDAC submission process is straightforward and involves the following steps:

    1. Visit the official Immigration Bureau website of Thailand.
    2. Click the "Arrival Card" button on the home page.
    3. Enter your personal details, such as name, occupation, passport number, etc., and click ‘Continue’.
    4. Fill in your trip information and accommodation details, then click ‘Continue’.
    5. Enter your health information as required by the Ministry of Public Health. Then click ‘Preview’.
    6. Review your information.
    7.  Enter your email address to receive the Thailand Digital Arrival Card.
    8. Check the box against ‘Agree to the Terms and Conditions’, then click ‘Submit’.
    9. Download the TDAC. You can also download or print the document received in your email.

    This online submission saves time at immigration counters and helps authorities verify information in advance.

    Procedure to update the TDAC

    If your travel details change before entry in Thailand, you can log in to your TDAC account, modify the information and resubmit the form.

    1. Go to the Thailand Immigration Bureau website.
    2. Click the "Update Arrival Card" button.
    3. Enter your TH Digital Arrival Card number, date of birth and nationality for the search, and click ‘Search’.
    4. Correct the details.
    5. Review the corrections made and submit.
    6. Enter your email address to receive the Thailand Digital Arrival Card.
    7. Check the box to agree to the Terms and Conditions, then click ‘Submit’.
    8. Download the TDAC.

    Reasons to buy travel insurance for Thailand

    While not directly part of the TDAC, having travel insurance for Thailand is strongly recommended. It provides financial protection against unexpected events during your trip. Common benefits include:

    • Coverage for medical emergencies and hospitalisation.

    • Compensation for lost luggage or travel documents.

    • Protection against trip cancellations or delays.

    • 24/7 assistance services during emergencies.

    Conclusion

    The Thailand Digital Arrival Card is a modern system that simplifies the arrival process for international travellers. By submitting your details online before your trip, you can enjoy faster processing at immigration checkpoints.

    Along with obtaining a TDAC, securing good travel insurance adds an extra layer of safety and confidence during your visit. Choosing a policy with sufficient coverage according to your travel plans ensures peace of mind throughout your journey.

    FAQs

    1. Is the Thailand Digital Arrival Card mandatory?
      Yes, it is required for most travellers except transit passengers and certain border pass holders.
    2. Can I fill out the TDAC on arrival?
      No, it should be completed online before you arrive in Thailand.
    3. What happens if I make a mistake in the TDAC?
      If you have made a mistake while applying for TDAC, you can log back into the system, correct the error and resubmit.
    4. Is travel insurance compulsory for Thailand?
      While travel insurance is not mandatory, it is highly recommended and may be required for certain visa categories.

    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.

  • Passport for Senior Citizen: Documentation & Application Guide

    by Tanmay Ahuja | Oct 25, 2025

    For senior citizens, travelling to visit family, go on holiday or seek medical treatment can be both exciting and challenging. A valid passport provides independence, facilitates smooth visa processing and ensures access to emergency assistance abroad. Knowing the requirements and process for applying or renewing a passport can save time, reduce stress and ensure you are always ready to travel.

    This guide helps you understand exactly what you need to make the process simple and hassle-free.

    Who qualifies as a senior citizen for passport in India?

    In India, senior citizens for passport purposes are generally Indian citizens aged 65 years or above. In Jammu and Kashmir, men qualify at 65 years and women at 60 years. Applicants must have valid proof of identity, address and date of birth and should not have any pending criminal cases or disqualifications under the Passports Act.

    Documents required for senior citizens passport

    Senior citizens must submit originals and self-attested photocopies of key documents. The documents required for senior citizen passport include proof of identity (Aadhaar, voter ID, PAN or old passport), proof of address (utility bills, bank statements, Aadhaar, voter ID or rent agreement) and proof of date of birth (birth certificate, school leaving/matriculation certificate, Aadhaar, PAN or old passport).

    The old passport is mandatory for renewal, and additional documents, such as a marriage certificate, are needed only for name changes or if requested by the Passport Seva Kendra.

    What is the fee for a senior citizen passport in India?

    The passport fee for senior citizens varies depending on the type of booklet, validity and whether you choose normal or Tatkal processing. Below is the fee structure for senior citizens:

    Service type

    Normal fee

    Tatkal fee

    Fresh passport, 36-page booklet, 10-year validity

    ₹1500

    ₹3500

    Fresh passport, 60-page booklet, 10-year validity

    ₹2000

    ₹4000

    Renewal of passport, 36-page booklet, 10-year validity

    ₹1500

    ₹3500

    Renewal of passport, 60-page booklet, 10-year validity

    ₹2000

    ₹4000

    How to apply for a passport for senior citizens?

    Applying for a passport for senior citizens is easy if you follow these steps:

    1. Register on the Passport Seva portal: Create an account, fill in personal details and log in.
    2. Choose application type: Select 'Fresh Passport' or 'Renewal' and upload your scanned documents.
    3. Fill out the form: Enter details accurately and select a 36- or 60-page booklet.
    4. Pay the fee: Complete online payment and keep the acknowledgement slip or reference number.
    5. Visit the Passport Seva Kendra (PSK): Carry originals for verification and complete biometrics. Seniors may get priority counters.
    6. Receive passport: After police verification, the passport is issued and delivered to your address under normal or Tatkal timelines.

    Do senior citizens need police verification for passport?

    Yes, police verification is mandatory for all adult passport applicants, including senior citizens. It confirms the accuracy of the identity and address details provided in the application. Verification usually occurs after document submission, and an officer may visit the applicant's residence.

    While the process is the same for everyone, senior citizens often receive priority or access to special counters to expedite the process and make it more convenient.

    How to renew an Indian passport for senior citizens?

    Renewing a senior citizen passport follows the same steps as a fresh application. It is best to apply before expiry to avoid travel interruptions. Log in to the Passport Seva portal, select 'renewal' or 're-issue' and provide old passport details.

    Submit the required documents for identity, address and date of birth, along with your old passport. Additional documents are only needed for name or address changes. Biometrics and police verification are mandatory.

    Importance of buying travel insurance for senior citizens

    A travel insurance policy is essential for senior citizens, as it covers unexpected medical expenses abroad, including hospitalisation, treatment and evacuation, which can otherwise be very costly.

    Within this policy, there are specific plans designed for senior citizens that also protect against risks such as loss of passport, baggage issues, flight delays and trip cancellations. Choosing a plan that addresses individual needs, such as pre-existing health conditions and reliable emergency support, ensures seniors can travel with financial security and peace of mind.

    Conclusion

    For senior citizens, being prepared with a valid passport is more than just a formality; it is a gateway to independence, timely travel and peace of mind.

    Additionally, combining a ready passport with a senior citizen travel insurance policy ensures that medical emergencies, travel disruptions and unforeseen risks are covered, allowing seniors to enjoy their journeys safely and stress-free.

    FAQs

    • What documents are required for a senior citizen's passport?

    Documents required for a senior citizen passport include identity, address, age proof and an old passport, as per the passport requirements for senior citizen applicants.

    • How does the passport renewal process work for senior citizens in India?

    Passport renewal for senior citizens is available online using the details from your old passport. Renewal of an Indian passport for senior citizens follows the same steps.

    • How can I submit a passport application for senior citizens in India?

    Passport for senior citizens in India are processed through the Passport Seva portal, and passports for senior citizens in India are eligible for priority services.


    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.

  • Trips that Let You Cross Two Countries in a Day

    by Tanmay Ahuja | Oct 23, 2025

    A multi-country trip in a day allows travellers to experience two nations within a single journey, often without the need for extended planning. These trips provide opportunities to explore diverse cultures, landscapes and attractions in a short timeframe. To make such travel seamless, it is important to have the right visas, valid documentation and adequate travel insurance in place. Let’s take a closer look.

    List of trips to cross two countries in one day

    Here are some popular day trips that allow you to explore two countries in a single day:

    1. Zambia to Zimbabwe – Victoria Falls Bridge Walk

    At Victoria Falls, travellers can walk across the iconic bridge that links the town of Livingstone in Zambia with Victoria Falls town in Zimbabwe. The thunder of the falls and the mist in the air create an unforgettable atmosphere, with options like bungee jumping or ziplining across the border. The KAZA UniVisa makes this crossing simple for visitors.

    2. France to Switzerland – Geneva and Annecy

    Geneva and Annecy offer a seamless multi-country European trip as they are only an hour apart. Geneva delivers lakeside views and Swiss efficiency, whereas Annecy charms with French patisseries and Alpine scenery. With good planning, you can definitely enjoy both in one day.

    3. South Africa to Lesotho – Sani Pass Adventure

    The Sani Pass is a steep and winding route that links KwaZulu-Natal to Lesotho. It takes travellers through dramatic mountain landscapes and ends at Africa’s highest pub. This route is known for its demanding terrain and remarkable views.

    4. Netherlands to Belgium – Through Baarle

    Baarle is one of Europe’s most unusual border towns, where national boundaries cut through streets, houses and even cafés. Visitors can walk or cycle across the Belgian and Dutch sides multiple times in just a short distance.

    5. Germany to Austria – Salzburg to Berchtesgaden

    A short 30-minute ride connects Salzburg in Austria to Berchtesgaden in Germany. Salzburg offers historic sites and classical music heritage, whereas Berchtesgaden is known for its Alpine lakes and hiking trails.

    6. Argentina to Brazil – Iguazu Falls Border Views

    The Iguazu Falls sit on the Argentina–Brazil border, offering two distinct perspectives on the same natural wonder. Travellers can cross via the Tancredo Neves Bridge and see panoramic views from both countries in one day.

    7. USA to Canada – Peace Arch Border

    The Peace Arch Park is located between Washington State (USA) and British Columbia (Canada), and it is one of the few places where visitors can walk freely across an international border. Families often picnic on one side and play games across the line, making it a unique stop for multi-country vacations.

    Tips for multi-country day trips

    Planning ahead makes multi-country travel smoother and more enjoyable. Check visa rules in advance, carry all required documents with a backup copy and be aware of border operating hours to avoid delays. Regional visas like the Schengen Visa in Europe can make crossings easier. Also, pack essentials such as water, snacks and weather-appropriate clothing to stay comfortable on the journey.

    What are the visa requirements for multi-country day trips?

    Certain visas allow entry into multiple countries, and make cross-border travel easier, such as:

    • Schengen visa: It covers 25 European Union (EU) countries and four non-EU countries for up to 90 days within a 180-day period.
    • S. tourist visa (B1/B2): This visa allows multiple U.S. entries.
    • Canada visitor visa: This visa is required for most travellers. It permits re-entry to Canada but does not extend to other countries.
    • UK standard visitor visa: It grants entry to the UK only, with multi-entry options valid up to 10 years.
    • KAZA UniVisa: This visa enables 30 days of travel between Zambia and Zimbabwe, with day-trip access to Botswana.

    Reasons to buy travel insurance for multi-country day trips

    Travelling across borders may sometimes bring unexpected challenges, from medical emergencies to delays. A reliable international travel insurance policy helps manage these uncertainties by covering medical care abroad, reimbursing trip interruptions, assisting with lost passports or luggage, and even providing evacuation in remote areas.

    In some cases, having valid travel insurance is also a visa requirement, making it both a practical and necessary safeguard for international journeys.

    Conclusion

    Multi-country tours show how borders can become opportunities rather than barriers. With the right documents, careful planning and awareness of local regulations, travellers can experience multiple cultures, cuisines and landscapes in a single journey. These trips provide an efficient way to make the most of limited travel time while enjoying a variety of diverse experiences.

    FAQs

    1. What is the best way to plan a multi-country trip across Europe?
      Travel to multiple countries in Europe is easiest with a Schengen Visa. Europe’s well-connected rail and air networks make it simple to visit several countries in a single trip.

    2. Do I need visas for both countries?
      Most multi-country day trips require valid visas for all countries you enter, unless there are special visa-free agreements.

    3. How to visit multiple countries in one trip without overspending?
      Plan geographically, use budget transport and accommodation and focus on affordable local experiences when visiting multiple countries in one 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.

  • International Day of Peace: Peaceful Countries to Visit

    by Tanmay Ahuja | Oct 19, 2025

    International Peace Day, also known as Global Peace Day or World Peace Day, is celebrated on September 21. In a world where many countries face hostilities and war, celebrating peace reminds us to focus on hope, compassion and cooperation. On the day, people from across the globe actively participate and encourage kindness, respect, and nonviolence.

    This day also teaches how peace is connected to health and how a peaceful society enjoys a better life.

    Let's discuss more about Global Peace Day and find out the most peaceful places around the world.

    History and origin of the International Day of Peace

    The idea for celebrating World Peace Day was rooted in UNESCO’s efforts to promote a culture of peace worldwide. It was in 1981 that the United Nations General Assembly formally established the International Day of Peace to encourage peace across the world.

    Theme of the year for the International Day of Peace

    The theme for the International Day of Peace 2025 is “Act Now For A Peaceful World”. This theme encourages everyone, including the peacemakers, students, community members and individuals, to take active and immediate action to promote peace. It focuses on everyone speaking against violence, inequality, hate, and discrimination, and embracing respect and diversity for a better and peaceful future.

    Significance of peace in the modern world

    Peace is an important factor in a world marked with distinct cultures, races and religions. It is the foundation for development, stability and prosperity. Without peace, societies face a number of problems, including violence, economic problems and displacement. Peace encourages tolerance and understanding among different groups of people, reducing fear and hatred.

    How peace is linked to health and well-being

    Peace has a crucial role in promoting good health and well-being. In a peaceful environment, stress and anxiety levels reduce, which supports mental health. Peaceful communities can build a stronger support system and face challenges, diseases and conflicts together. Every individual benefits from a world where peace is valued and protected.

    Global celebrations and activities

    Global Peace Day is celebrated in many ways across nations. These celebrations aim to bring people of different cultures and countries together. Rallies and marches are organised, and people carry banners of peace and harmony.

    Activities include schools and college events, cultural programmes, competitions and fundraising for victims of violence and natural calamities.

    Similarly, artists, musicians and performers inspire and spread the message of hope and peace through their work.

    How individuals can contribute to peace

    Small steps can make a big difference in creating a peaceful world. The simple acts of kindness, listening to and respecting others, help create a tolerant environment. Educating everyone about global issues and supporting fair practices can influence positive change. When millions of people follow better actions, they can make this world more peaceful.

    The most peaceful countries to visit

    Many countries are known for peace, diversity and tolerance.

    Here is a list of peaceful nations in the world:

    1. Iceland: For the past 18 years, Iceland has been the most peaceful country.
    2. Ireland: Over the past decade, it has ranked high for peace with less violence.
    3. Austria: Austria has maintained a reputation for being among the most peaceful countries. It is a member of the UN and contributes to many peaceful missions.
    4. New Zealand: The low crime rate and a high standard of living have helped Kiwis rank among the most peaceful countries in the world.
    5. Switzerland: It is also among the top most peaceful countries in the world. Its beautiful mountains, beautiful climate, and peaceful culture make it a wonderful destination.

    Conclusion

    Peace is the most important factor for health, happiness and development. This World Peace Day, experience the power of peace and harmony by visiting a calm, serene and peaceful nation. As you set out to explore these peaceful places, don't forget international travel insurance for your peace of mind and a stress-free trip.

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

    FAQs

    • What is the International Day of Peace?

    Every year, the International Day of Peace is celebrated to spread the message of peace and harmony.

    • Which countries are considered peaceful to visit in 2025?

    Iceland, Ireland, New Zealand, Austria, and Switzerland are among the top peaceful countries to visit in 2025.

    • Is travel insurance mandatory for visiting Switzerland?

    Travel insurance is mandatory for a Schengen visa to visit Switzerland. It must cover medical emergencies up to €30,000 and remain valid for your entire stay.


    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.

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