Insurance against accidents/illness in India?

waveman25 · Jan 19th, 2006, 01:44

Hi!
I am a Swedish guy and I did my first visit 3 weeks dec/jan 2006 to Kerela, India. I rented a Bullet and went from Chochin all way down to the Soutern tip of India and back via the Western Ghats. All in all around 1000 km. I loved it and the bike was very cheap to rent as well as servicing. I payed 150 rp for 2 hours service och repairing. The guy was looking for something wrong with the electical wiring. It just wouldn´t start. He found the problem and I got it fixed. Grate value!

My question: After this trip I would like to stay in India for 1 year och more. How do you solve the Insurance problem? In case i get sick or have an motorcycle accident I would not want to go to some bad indian hospital. As long as I stay 45 days only, my Swedish Insurance Company pays if something happens. If I stay longer I would have to pay the Swedeish insurance Company 80 pounds/month. And then yet, I still will be tranported to the closest Hospital (I guess they haven´t seen what kind of hospitals there are in India!).
How have you solved this problem? All of you stand the risk of getting ill and having an accident! Any cheap Indian solutions that work? Do you pay a fee that will ensure you good treatment on a modern hospital?!
Happy for an answer. This is important for us all!
Waveman 25

GoanCanuck · Jan 19th, 2006, 02:01

Quote:

Originally Posted by waveman25

My question: After this trip I would like to stay in India for 1 year och more.

The simple answer is that you can not stay more than 180 days in India continuously. You will have to leave India and apply for a fresh tourist visa which will enable you to stay for another 180 days.

Eldaras · Jan 19th, 2006, 02:09

Go to http://www.worldnomads.com/. They have one of the cheapest prices in travel insurances.

federica · Jan 19th, 2006, 02:56

Hi,

you have to effect a private insurance. The conditions and prizes are very different, in some you can choose the hospital. Transport to your home country is usually only paid if you can't get an adequate traetment in India. And not you but the insurance will decide about that....

For doctors and hospitals you don't need an insurance, as for Westerners the prices seem incredible low. But in case you really need a transport to your home country, an insurance is highly recommended.

Personally i made very good (but luckily not too many) expierences with Indian doctors, and not every hospital is that shocking, there are very good private hospitals, too.

waveman25 · Jan 21st, 2006, 17:07

Thanks for your answer! Which Country/ border is the simplest/easiest way to leave India in order to get a new Indian Visa?

Quote:

Originally Posted by GoanCanuck

The simple answer is that you can not stay more than 180 days in India continuously. You will have to leave India and apply for a fresh tourist visa which will enable you to stay for another 180 days.

phobal · Jan 22nd, 2006, 03:31

In regards to insurance, you know they won't cover you if you don't have the legal crudentials to drive there, right?

GoanCanuck · Jan 22nd, 2006, 07:54

Quote:

Originally Posted by waveman25

Thanks for your answer! Which Country/ border is the simplest/easiest way to leave India in order to get a new Indian Visa?

Nepal is the best option.

GoanCanuck · Jan 22nd, 2006, 07:55

Quote:

Originally Posted by neomadd

I am not sure of the situation with your country, but as a Canadian I applied for and receive a one year visa.

Have fun

Canadian citizens are eligible for 5 year tourist visas.

Nick-H · Jan 22nd, 2006, 08:47

Quote:

Originally Posted by phobal

In regards to insurance, you know they won't cover you if you don't have the legal crudentials to drive there, right?

Insurance is one thing, visa's and other, and driving legaly not quite another, as if itis not legal the insurance company will indeed certainly not pay out.

But, unless it is a specific exclusion in the policy, an International Driving Licence sould suffice I would have thought?

GoanCanuck · Jan 22nd, 2006, 11:56

Quote:

Originally Posted by neomadd

and it was from the embassy in Almaty, Kazakhstan.

What were you doing in Kazakhstan?

phobal · Jan 22nd, 2006, 23:51

Quote:

Originally Posted by Nick-H

But, unless it is a specific exclusion in the policy, an International Driving Licence sould suffice I would have thought?

I heard Che got a international drivers license before his drive of self-discovery

Jan 19th, 2006, 01:44	#1
waveman25 waweman25 Join Date: Jan 2006 Location: Sweden Posts: 2	Insurance against accidents/illness in India? Hi! I am a Swedish guy and I did my first visit 3 weeks dec/jan 2006 to Kerela, India. I rented a Bullet and went from Chochin all way down to the Soutern tip of India and back via the Western Ghats. All in all around 1000 km. I loved it and the bike was very cheap to rent as well as servicing. I payed 150 rp for 2 hours service och repairing. The guy was looking for something wrong with the electical wiring. It just wouldn´t start. He found the problem and I got it fixed. Grate value! My question: After this trip I would like to stay in India for 1 year och more. How do you solve the Insurance problem? In case i get sick or have an motorcycle accident I would not want to go to some bad indian hospital. As long as I stay 45 days only, my Swedish Insurance Company pays if something happens. If I stay longer I would have to pay the Swedeish insurance Company 80 pounds/month. And then yet, I still will be tranported to the closest Hospital (I guess they haven´t seen what kind of hospitals there are in India!). How have you solved this problem? All of you stand the risk of getting ill and having an accident! Any cheap Indian solutions that work? Do you pay a fee that will ensure you good treatment on a modern hospital?! Happy for an answer. This is important for us all! Waveman 25

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Jan 19th, 2006, 02:09	#3
Eldaras getting ready! Join Date: Feb 2005 Location: Buenos Aires, Argentina Posts: 95	Go to http://www.worldnomads.com/. They have one of the cheapest prices in travel insurances.

Jan 19th, 2006, 02:56	#4
federica Maha Guru Member Join Date: Jun 2004 Location: Bavaria Posts: 1,084	Hi, you have to effect a private insurance. The conditions and prizes are very different, in some you can choose the hospital. Transport to your home country is usually only paid if you can't get an adequate traetment in India. And not you but the insurance will decide about that.... For doctors and hospitals you don't need an insurance, as for Westerners the prices seem incredible low. But in case you really need a transport to your home country, an insurance is highly recommended. Personally i made very good (but luckily not too many) expierences with Indian doctors, and not every hospital is that shocking, there are very good private hospitals, too.

Jan 22nd, 2006, 03:31	#6
phobal IM hoser Join Date: Jan 2005 Location: canaduh Posts: 519	In regards to insurance, you know they won't cover you if you don't have the legal crudentials to drive there, right?

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