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

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

What has changed under the revised GST rates?

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

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

How the revised GST affects travel insurance premiums

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

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

What the GST change means for domestic and international travellers

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

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

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

Tips to manage and reduce travel insurance costs after GST revision

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

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

Why does buying travel insurance still matter despite GST changes?

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

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

Conclusion

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

FAQs

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

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

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

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

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

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

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

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

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

What are national parks?

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

List of top national parks in the USA to visit

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

Best time to visit national parks in the USA

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

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

Tips for first-time national park visitors

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

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

Reasons to buy travel insurance for the USA

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

Conclusion

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

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

FAQs

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

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

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

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

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

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

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

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

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

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

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

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

What is the Great Pyramid of Giza?

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

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

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

Best time to visit the Pyramids of Giza

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

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

Things to do at the Pyramids of Giza

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

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

Where to get the best views of the Pyramids

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

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

How to get to the Pyramids of Giza?

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

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

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

Tips for visiting the Great Pyramid of Giza

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

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

Reasons to buy travel insurance for Egypt

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

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

Conclusion

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

FAQs

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

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

2. Can visitors go inside the pyramids?

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

3. What facilities are available near the pyramids?

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

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

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

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

What is a wildlife safari?

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

Different types of wildlife safaris

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

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

List of the best wildlife safaris in the world

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

Tips for first-time wildlife safari visitors

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

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

Reasons to buy travel insurance when going for a wildlife safari

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

Conclusion

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

FAQs

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

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

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

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

3. What should I pack for a wildlife safari?

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

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

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

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

What is a Schengen tourist visa?

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

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

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

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

Trip-related documents needed for a Schengen tourist visa

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

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

Additional documents needed for Schengen tourists

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

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

What are the guidelines for Schengen tourist visa documents?

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

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

Is travel insurance for Schengen mandatory?

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

Conclusion

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

FAQs

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

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

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

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

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

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

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

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

What are the Symptoms of Hepatitis C?        

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

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

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

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.