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.

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.

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.

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:

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.

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.

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.

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.

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:

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.

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 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.

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

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

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

History of the International Day of Science, Technology and Innovation

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

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

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

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

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

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

Importance of technology

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

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

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

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

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

Here is how the day is celebrated:

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

Best technology-related places to visit around the world

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

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

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

Importance of travel insurance

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

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

Conclusion

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

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

FAQs

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

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

• Why is travel insurance important for an international trip?

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

• Can visiting tech places help me?

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

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

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

What is an e-Passport?

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

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

Benefits of getting an electronic passport

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

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

What are the key features of an e-Passport?

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

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

Who can apply for an e-passport?

Here is who can apply for an e-passport:

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

Difference between e-passport and regular passport

Key differences between electronic and regular passports include:

Steps for an electronic passport application

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

Step 1: Visit the official Passport Seva website.

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

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

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

Step 5: Pay for the passport application fees.

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

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

Documents required for an e-Passport in India

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

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

Role of travel insurance in e-Passport application

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

Conclusion

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

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

FAQs

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

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

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

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

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

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

• How to check an e-Passport online?

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

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

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

What is Norway PR?

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

Benefits of getting permanent residency in Norway

Obtaining a PR in Norway comes with the following perks:

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

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

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

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

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

Norway permanent resident eligibility & requirements

For Norway resident status, meet the following criteria:

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

Types of Norway PR pathways for Indians

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

Family reunification

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

Marriage

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

Education

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

Work

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

Business

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

How to apply for Norway PR?

Here is how you can apply for PR for Norway:

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

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

Necessary documents for getting a PR in Norway

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

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

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

Does Indian travel insurance work post getting Norway PR?

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

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

Conclusion

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

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

FAQs

1. Who can apply for PR in Norway?

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

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

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

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

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

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

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

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

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

What is travel insurance?

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

Here is what it usually covers:

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

What is student travel insurance?

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

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

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

Difference between travel insurance & student travel insurance

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

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

Travel iInsurance or student travel insurance: what to choose?

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

Choose travel insurance:

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

Choose student travel insurance:

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

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

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

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

Conclusion

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

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

FAQs

• Does travel insurance cover adventure sports or activities?

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

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

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

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

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

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

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

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

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

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

When is renewal of travel insurance required?

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

How does travel insurance renewal work?

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

Steps to renew a travel insurance policy

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

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

Eligibility criteria for renewing travel insurance

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

Here is the likely eligibility criteria:

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

Details and documentation required for renewing travel insurance

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

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

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

Things to remember when renewing travel insurance

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

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

Conclusion

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

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

FAQs

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

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

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

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

• Can I change my coverage while renewing travel insurance?

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

• Will my renewal affect my premium cost?

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

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

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

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

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

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

What is a VEVO visa check?

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

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

Why is Visa Entitlement Verification Online (VEVO) important?

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

Here are some reasons why it matters:

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

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

Advantages of the VEVO check online

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

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

How to check visa status online using VEVO?

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

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

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

What details does the VEVO visa check provide?

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

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

Role of travel insurance in the VEVO check

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

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

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

Conclusion

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

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

FAQs

• What is VEVO in Australia?

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

• Who can access VEVO visa details?

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

• Is VEVO check online free of cost?

VEVO check online is free of charge for all users.

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

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

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

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

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

What is a leave travel allowance?

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

Importance of leave travel allowance (LTA)

Here is how leave travel concession helps you:

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

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

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

When are you eligible for LTA?

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

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

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

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

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

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

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

What is a leave travel allowance exemption?

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

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

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

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

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

Factors to consider before claiming LTA

Keep the following conditions in mind before you claim LTA:

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

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

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

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

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

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

Why does travel insurance matter when claiming LTA?

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

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

Conclusion

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

FAQs

1. What expenses does the LTA cover?

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

2. How many times can I claim LTA?

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

3. Can LTA be encashed?

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

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

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

What is Portugal PR?

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

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

Benefits of getting permanent residency in Portugal

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

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

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

Portugal permanent resident eligibility and requirements

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

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

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

Types of Portugal PR pathways for Indians

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

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

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

How to apply for Portugal PR

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

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

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

Necessary documents for Portugal PR

You need to prepare:

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

Does Indian travel insurance work after Portugal PR?

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

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

Conclusion

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

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

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

FAQs

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

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

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

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

What is Spain PR?

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

Benefits of getting permanent residency in Spain

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

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

Spain permanent resident eligibility & required documents

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

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

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

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

Types of Spain PR pathways for Indians

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

Work visa

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

Study visa

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

Non-lucrative visa

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

Entrepreneur and investment visas

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

Family reunification

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

How to apply for Spain PR?

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

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

Does Indian travel insurance work post getting Spain PR?

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

Conclusion

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

FAQs

How long does PR in Spain take for Indians?

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

• Can I work in any job with Spain PR?

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

• Is travel insurance mandatory for a visa to Spain?

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

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

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

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

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

When is the extension of travel insurance required?

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

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

How does travel insurance extension work?

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

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

Steps to extend a travel insurance policy

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

Check your current policy

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

Contact the insurer.

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

Submit documents.

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

Select duration & pay the premium.

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

Approval & confirmation

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

Eligibility criteria for extending travel insurance

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

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

Details & documentation required for extending travel insurance

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

Conclusion

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

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

FAQs

• Can I extend travel insurance while abroad?

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

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

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

•  Can travel insurance be renewed online?

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

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