Health Travel, sometimes referred to as medical travel, health tourism, or medical tourism is a term that describes the process of people traveling outside of their own country to obtain general medical surgery, dental surgery, or cosmetic plastic surgery at prices substantially cheaper than they would pay in their home country.

Health travel is a rapidly growing phenomenon. More people are learning that countries such as Mexico, Singapore, Brazil, Costa Rica, Thailand and India provide a very high standard of medical care at significant savings over typical U.S. prices – that is, first world health care at third world prices.

Why do people choose health travel?

Current statistics estimate over 2 million Americans already traveled abroad to accredited international hospitals offering first class care at savings up to one-tenth the cost of the same procedures in the US. The medical tourism market is projected to explode to $100 billion by 2012, driven by the age-related health issues of the “baby boomer” generation. The growing phenomenon of medical travel can be attributed to several factors: · No Health Insurance – There are 48 million Americans without health insurance, another 40 million are underinsured – that is, they have health insurance but cannot afford the high deductibles and out-of-pocket costs.

· Limited Health Care Coverage - More than 2 million Americans will declare medical bankruptcy this year despite the fact that 70% will have health insurance.

· Increasingly High Health Insurance Premiums and Out-of-Pocket Costs - In the past 5 years, health insurance premiums have grown at more than 4 times the rate of wages.

· Long Wait Times for US procedures - Average wait times for appointments with quality surgeons in the U.S., Canada and the U.K. often exceeds 2 months.

· Health Insurance Providers Cancel Coverage - 25% of all employers cancel coverage the day an employee leaves work due to disabling illness; 50% cancel coverage within 12 months.

Private Health Insurance - iSelect

· International Accreditation of Foreign Hospitals - The International Accreditation Process is handled by the Joint Commission, which also accredits U.S. hospitals. The accreditation process is as rigorous as it is in the U.S.- but without the unnecessary bureaucratic paperwork. visit >>>http://1st4travelinsurance.co.uk

· Improvements in International Technology and Health Care Standards - Foreign hospitals — currently numbering about 120, and growing — are not just mirroring the best U.S. practices but are emerging as innovators.

· U.S., U.K. and Europe Board Certified Surgeons Operating Overseas - Expatriate doctors who have been trained in the US, UK and Europe are returning home to set up their practices where their money goes considerably further.

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Article Source: http://EzineArticles.com/1180799

north india map

The northern plains of India during the winter season which happens to be from October to March brings very cold temperatures. In fact, temperature in the Thar Desert can reach freezing point. The central city of the north is New Delhi and the temperature there is from 8 degrees to 21 degrees Celsius.

You can find a rich history of culture in north India. Aside from New Delhi, you can also visit other destinations like Uttranchal, Uttar Pradesh, Jamma, HImachal Pradesh, Punjab, and Kashmir. There are many activities that you can do in north India like river rafting, camel safari, mountain biking, skiing, and trekking. You can also find exquisite architecture, incredible wildlife, sand dunes, and historical charm in this Indian region.

If you plan to tour Delhi, you can explore the city’s religious face. There are many temples that you can visit like Akshardham, Birla, Bangla Sahib, and ISKCON temples. Aside from the temples, there are also forts in Delhi like Qutub Minar, Jantar Mantar, and Red Fort.

Taj Mahal is found in north India, specifically in Uttar Pradesh. If you have plans of traveling to Uttaranchal, don’t do this during the winter season as it is very cold. You can do it between April and June or from September to November.

Individuals who love mall shopping can go to Shimla. You can find malls offering great sights there. The Golden Temple can be found in Punjab. Other places that you should visit are Srinagar, Jammu, Dal Lake, Gulmarg, Pahalgam, Sonamarg, Solan, Dalhousie, Dharamsala, Kullu, Manali, Kangra, and Chamba. You can have the best holiday experience in north India.

As mentioned earlier, winter in north India is quite cold. If you go there during winter, you have to bring the appropriate clothes. If you don’t have them, you can start purchasing winter clothes. This way, you can avoid stressing out your body and ending up sick. Make sure that you take your vitamins and some medications with you, just in case you catch fever, cough or colds. The medicines sold in India are not the same as those sold in your home country. So better be prepared especially if you’re traveling there during the winter. You can enjoy the sights and tourist spots in north India if you have a healthy body.

Still, if you can’t withstand the cold, you should go to North India during the summer season. The temperature during that time is not as cold as the winter season.

Now that you know the places that you can visit in north India, you can contact a travel agency and book your travel in advance. The winter season in India is also the peak season for the influx of tourists and so it would be best to plan ahead of time, otherwise, you will not get the best services because the accommodations are limited. Planning can really take so much of your time but with the help of a travel agency, your troubles are lessened. If you take into consideration these travel recommendations for northern India in winter, you will have the greatest time of your life despite the cold climate. Visit >>>http://1st4travelinsurance.co.uk

North India Trip, North India Travel Packages, North India Holidays

Rajasthan Tour: Specialised in Northern India Tours, Rajasthan

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international travel insurance

The Need for International Health Insurance

Unforeseen Medical Expenses: The following expenses may be covered by international health insurance plans: cost of visiting a doctor in case of accidents; the cost of obtaining a prescription drug and other medical emergencies. In the US, insurance companies provide international health insurance to travelers less than 75 years of age. The spouse and eligible dependents can also be covered for an additional premium. Some plans provide the benefit of health insurance even when a person cuts short his visit and returns home. Such plans are beneficial for people whose travel itinerary is flexible.

Additional Coverage: Emergency evacuation in case of medical complications; death and dismemberment coverage; rehabilitation; cost of ambulance and home nursing are also available to the international traveler for additional premium. Generally plans, that operate worldwide but not in the US, carry a lower premium as compared to plans that operate even in the US. This is because the cost of medical treatment in the US is very high. Emergency evacuation facility is necessary for a person traveling to the third world countries, since he may find it increasingly difficult to obtain quality medical care.

Pharmacy Coverage: The cost of obtaining prescription drugs may also be covered by paying a slightly higher premium. The advantage is that a person is comforted knowing that he can afford the drugs he may need during overseas travel. Of course, the need for this coverage depends a lot on the travel destination. For people traveling to the US, this is a must since medication is very costly. However for US travelers interested in visiting countries where health care is the government’s responsibility, this coverage may not be necessary since most of the medicines would be available at a subsidized cost.

Pre-existing Conditions: Generally, a person with pre-existing health conditions should apply for a group insurance policy. It is possible that an individual who was refused coverage under an individual health insurance plan may obtain coverage under a group health insurance plan. Exclusion period for pre-existing conditions is generally 6 months. During this period a person is on his own, i.e. he is not provided coverage.

Maternity Coverage: This is very important for women who intend to give birth to children in a foreign country. Generally, in case of maternity coverage, a woman would have to wait for 10-12 months before filing a claim. In other words, a woman should not be pregnant at the time of upgrading her policy to include maternity coverage. The amount of premium would depend on the age of the would-be mother. Medical complications would result in a higher premium.

In addition to the above mentioned events, international health insurance plans can be extended to include a number of other medical services. A greater coverage would mean a higher premium. International medical insurance is very important, especially if a person is traveling to a country where health care is privatized. In case of countries where health care is the government’s responsibility, the cost of medical services is much cheaper. Hence, while traveling to such countries, opting for a medical insurance policy with minimal coverage would suffice. Visit >>>http://1st4travelinsurance.co.uk

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Source: buzzle.com, Author: Aparna Iyer

backpacking tips

Ultralight Backpacking Tips and Tricks

It’s All in the Mind…

We’re accustomed to filling our bags with lots of unnecessary stuff. To become an ultralight backpacker, you have to get rid of the mentality of packing anything and everything you get! Yes, free your mind! Let it be free, lightweight. What do you experience if all thoughts are just washed away? Relaxation and calmness! Isn’t it? So, the same you have to do while backpacking. Challenge your traditional thinking. You just have to carry the necessary stuff, that is multipurpose and things that you absolutely cannot do without.

It’s All for the Body

Now when you carry light weight, it’s easy on your body too. You tire less, there is less injury to back, ankles or knees, and you can cover more distance. This is all good on the body. When you are carrying less weight, you feel less stressed and hence, you can actually enjoy the trip instead of feeling exhausted. If you are hiking with children, the less weight is an added advantage. You are free to handle children with ease.

What All to Carry

The best way for ultralight backpacking is to carry all the required things but in a light-weight form. This way you will have all that you need without having to worry about the weight. Another important tip is to remember that you have to carry the absolute essentials. Don’t carry stuffs like books, heavy hiking tools, camp shoes, etc., that you can do without. A good way to lessen your weight is to not carry things in duplicate. People tend to carry extra clothes, towels, etc., that really adds up to the total weight. Packing small tubes of sunscreen, toothpaste and other toiletries also helps in reducing the overall weight. Don’t forget to take into account these ultra backpacking tips.

• There are some essentials that you would need – your backpack, a sleep system and a shelter. Here you can carry the light weight yet durable versions.
•  The light weight pack that can carry all your stuff is a preferable option. Go for such sleep systems that have lesser zips, ground pad weight and no hood.
• Carry a down vest along to keep you warm. In case of shelters as well, you can pick up the ones that are made of light fabric. Though these require more care while handling or pitching and may not give you bug protection yet are light on your back.
• You can also reduce weight by carrying lighter rain jacket or camping shoes. Other things like small LED light instead of a heavy flash light, smaller stoves or maybe stove and cook pots, water treatment tablets instead of water filters, are some of the other ways in which you can achieve your goal of ultralight backpacking.
• You can make a checklist as well, to make sure that you do not miss out any of the essentials in the name of packing light. As to what should be on this ultralight backpacking checklist will depend upon the place you are going and the duration of the trip. So, a weekend trip would naturally require lesser things to be carried.

In the end, I would like to tell you that carrying less weight doesn’t mean that you have to compromise on your safety; that always comes first. Keeping that in mind, you can trade all the unnecessary stuffs for the bare essentials and enjoy your trip without stress. Happy journey. Visit >>>http://1st4travelinsurance.co.uk

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Source: buzzle.com, author : Kundan Pandey

Guided tours of China most definitely will take you to Beijing, China’s capital city. You’ll visit the Forbidden City, an ancient city built for China’s emperors, the Great Wall of China, a must for every traveler, and you’ll still have time for bargain shopping with Beijing’s street vendors or at Silk Alley, a bargain hunter’s paradise.

Because China is such a large country, guided tours of China often include several intra-country airline flights. The airplane flights are exactly like those in the US and Europe, with the exception that the in-flight meal is inedible and you won’t understand a word anyone is saying. The next stop on many guided tours of China is the ancient capital city of Xi’an, the beginning of the historic “Silk Road”—a trading route extending from Asia to parts of Europe. Xi’an is famous for being the site of the “Eighth Wonder of the World”—the famed Terra Cotta Warriors of Xin.

Most guided tours of Xi’an will take you out to the countryside where the archeological site and museum for the life-size terra cotta warriors exist. There are three archeological pits containing thousands of life-sized terra cotta soldiers, horses and carriages. These soldiers have been painstakingly recreated from fragments of pottery and the work at the site is ongoing.

The best guided tours of the Terra Cotta Warriors will tell you a little secret. In the gift shop, there are stacks of a beautiful picture book of the warriors, written in several languages. Next to the stack of books sits one of the original farmers whose well-digging first uncovered the soldiers in 1974. He’ll sign your book for free, giving you a wonderful keepsake to take home.

A recent trend in guided tours of China is to take you on a memorable, multi-day tour on a riverboat down the Yangtze River. Most guided tours begin in Chong Xing, a sprawling city of 32 million people in South Central China. There, you’ll board a lovely ship and you’ll receive a room to sleep in, many with private decks so you can enjoy the scenery.

A riverboat tour down the Yangtze River should be memorable and relaxing. Guided tours of the river include daily excursions to sites along the way. As you travel downstream, you’ll reach the Yangtze River’s famous three gorges. These are areas of the river with huge mountains and massive cliffs on either side of the river.

china travel guide

Unfortunately, guided tours of the Yangtze River may not be as exciting as they are today or even as they were a few years ago. The Chinese government is building the largest hydroelectric dam downstream from the gorges, raising the water level, displacing millions of people and marring the beauty of the three gorges. While onboard the ship, you’ll enjoy daily activities and fine Chinese dining every night.

Next on your list will probably be Shanghai. Most guided tours of China take advantage of the fact that Shanghai is near the mouth of the Yangtze River and close to where you’ll disembark. Shanghai can be considered the “New York” of China. It is the center of finance and business in China and, for seasoned travelers, it’s an excellent place to shop before stuffing your bags for the flight home. Visit >>>http://1st4travelinsurance.co.uk

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india travel insurance

Some people often find themselvesasking non-sense questions and all of them are just excuses so as not to get any travel insurance at all. If a mind is made up that travel insurance is simply an extra expense, then there’s no way a person can purchase travel insurance.

It is very important to think positive at all times. However, there are times when a person may still experience accidents, injuries, or other emergencies. This will not be a huge problem if you’re in your home country but once you leave and go to another country, things change. Lost luggage is quite ordinary when traveling but sometimes you may encounter more unpleasant situations. You have to be prepared at all times and you can do this by purchasing travel insurance.

The policies designed specifically for travel insurance can meet a variety of individual needs. No matter what kind of travel insurance you purchase, you must never forget to read those texts in fine print. Here you can find information regarding health situations and deductibles. Pre-existing conditions are usually not covered and the medical emergencies covered may only be for an illness or an injury but hardly ever both. You have to determine the gaps in the insurance’s coverage so that you can choose one that you think is best and suited to your travel needs. But one thing’s for sure – travel insurance is affordable and dependable.

You may have different traveling plans in going to India and you must first determine the things that you want to do there or the places that you want to visit. This way, you can get an appropriate travel insurance. You see, travel insurance is available in single trip, multi-trip, cruises, backpacking, and many others. The amount of the policy will depend on the coverage of the plan. Only the ones covered by the policy will be answerable by the insurance provider, no more, no less.

Most of the travel insurance plans cover situations like lost baggage or luggage, trip cancellation or delay, accidental death, dental, and medical. Emergency evacuation is sometimes covered as well. Some policies offer damage or collision options like those arising from business conflicts and rented cars. The options can only be covered if you ask for it.

When purchasing your India travel insurance, it would be best to consult the insurance provider and not tour operators or travel agencies. This way, you can lower the coverage amount or you can opt for insurance coverage in certain portions of your trip only.

When shopping around for your India travel insurance, you have to get several quotes so that you can compare them with one another. The best way to do this is online because there are many resources on the net. After that, you can choose the policy that suits you. Visit >>>http://1st4travelinsurance.co.uk

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Whenever you’re offered travel insurance, you probably can imagine yourself with broken legs due to a vehicular accident, eating a badshrimp, or having a mishap in a foreign rental car. If your from UK, a local weekend trip within the boundaries of UK may not need any travel insurance. But if your from not there and have plans of traveling to UK, you will definitely need travel insurance.

In reality, you will surely need travel insurance in UK. But it can be used in certain situations only. If you’re injured in UK, you don’t need to claim against your existing life insurance. You can use the travel insurance when you cancel or cut short a holiday trip. For instance, you’re on a holiday trip in UK for two weeks and halfway, you get injured and you have to stay in the hospital. Your holiday vacation is cut short and you have to take care of the hospital bills and the hotel accommodations. If you have travel insurance, the insurance provider will be the one to cover such expenses.

More and more people are now taking advantage of domestic flights because they are already cheaper. Road trips are too exhausting. Canceling holiday vacations will usually leave you without money but do not worry because your travel insurance can also take care of that. Lost luggage is also included because this usually happens in domestic flights. So even if you your MP3s, cameras, or other valuables are lost together with the luggage, you can easily replace them through the help of your travel insurance.

So whether you have plans of going to another country or to other parts of UK, travel insurance will always come handy. If you don’t know much about travel insurance, make sure that you consult a legitimate travel agent or your travel insurance provider. Check with them first before making any purchase of insurance policies. They are the ones who can educate and familiarize you with the different policies and their coverage for your country of destination. Don’t forget to check the emergency lines of the insurance claims since they are open 24/7.

Traveling in UK is much more relaxing and enjoyable if you have your own travel insurance. Although it is considered an additional expense, it will still be a worthy investment just in case you do get ill or injured. It is better to pay for travel insurance rather than exhausting your pockets for countless medical bills abroad or other local UK destinations. Unexpected circumstances can give you a terrible headache but if you have the travel policy, you don’t have to worry about a thing.

Having travel insurance is not considered a luxury but it is a necessity. Who says travel insurance is only for the rich and powerful? Even ordinary individuals can obtain travel insurance and you can purchase them online or in the local offices of the insurance providers. You can also get them in travel agencies when you book your travels. So the decision is entirely yours. If you want to pursue an unsecured trip, then so be it. But if you’re a smart traveler looking for peace of mind and an enjoyable trip, seek help first in purchasing suitable travel insurance.

Whether you’re in UK, in the United States, Canada, or anywhere in the world, the need for travel insurance cannot be denied. Get one now and feel safer when traveling. Visit >>>http://1st4travelinsurance.co.uk

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So you’ve finally decided to go for a trip abroad. Perhaps you have already packed all your things but you may be forgetting one thing – your travel insurance policy. Do you have it already or you still haven’t got one?

Well, if you forgot to secure travel insurance, there is no need to panic because you can easily purchase one online. There are many internet facilities that you can make use which allows you to purchase a policy in seconds.

Communications nowadays is far better through the internet. It is fast and easy; aside from that, it can also be used to obtain different information that you may need. The internet is a necessity and not just a luxury. You see, now you can book airline tickets, shop for groceries online, and many others.

At present, it is now possible to purchase travel insurance through the use of the internet. Simply type the words ‘travel insurance’ on the search box of your favorite search engine and you can access multiple sites that can cater to your needs. The profiles and company names will be displayed on the search results. All you have to do is check each of the insurance providers to determine the best one that can meet most, if not all of your needs.

You have to choose from different kinds of policies in travel insurance. You can find backpacker, business, medical, multi trip, and single trip insurance policies. To identify the policy that suits you, you must first identify your insurance needs first as well as your financial standing.

There are several advantages when you apply for travel insurance through the internet. It can include –

• No lengthy paperwork
• You can get a discount by purchasing a policy online
• You can save time and energy because you don’t have to travel to and from the physical offices of the insurance providers
• You can get several quotes in one sitting at home or in the office
• All you need is a good working computer and a fast internet connection

Now that you know the advantages in purchasing travel insurance online, you will never think of shopping for it offline.

Packing your things can take time so you don’t need to waste time in buying travel insurance offline because now there is an easier and faster way. Thanks to the internet and the modern technology of today’s times.

Don’t get too excited yet because choosing good travel insurance can get complicated especially if this is your first time. It would be best to ask someone who already has travel insurance to help you out in your search. Start by making a list of your traveling needs and then your budget at the moment.

Remember that you have to spend on other things other than the travel insurance. You have to make hotel reservations, some petty cash on hand, purchase airline tickets, and many others. Find a travel insurance policy that you can afford but at the same meets most of your needs. The insurance provider should also have excellent records in serving their clients.

Log on to the internet now and conduct a search on travel insurance online. All the information you need is already there. All you have to do is to familiarize yourself with the different information provided. Apply now and get ready to travel abroad without worries. Visit >>>http://1st4travelinsurance.co.uk

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You’ve probably received lots of communication letters from different insurance companies by now, and most of them end up in the wastebasket. But you see you may also be throwing away your life or at the least, your health. Insurance policies are important even if they do cost a lot. Everything in this world is uncertain. If you travel every now and then, you’re more prone to accidents and injuries and having a good travel health insurance policy may come handy.

A travel health insurance is highly recommended and this is not just to build up insurance companies. Emergencies may come up and you probably don’t want to be caught without an insurance policy or with a policy with limited coverage.

If you don’t have travel health insurance yet, be sure that you get one from a legitimate and reputable insurance provider. When booking for travel, travel agencies would usually offer you with insurance. Remember this- don’t take any policy from these people. You can get one from any insurance agency or one from one that’s online.

Getting insurance policies from insurance agencies is a good option. The agents can educate you with the different forms of insurance they offer and their coverage. You can also save because you disregarded the middleman, which in this case happens to be the travel agency. By consulting with the insurance agency, you can get more benefits as well. You can freely discuss with the agent all your coverage needs. There are many options that you can choose from like the coverage amount, health benefits, trip insurance, and many others.

If you don’t have time to visit the physical offices of insurance agencies, you can visit them online. There are online sites that you can visit. Comparison sites are also available online and you can visit them freely. They can provide you with several quotes so that you can compare them online and choose the best policy that can meet your needs. Once you’ve chosen the best policy that meets most of your needs, you can purchase the policy online.

Perhaps you already have an existing insurance policy. You may want to re-check with your insurance provider with the coverage of your policy. However, having an additional travel health insurance policy is more beneficial. Some of the benefits offered by an additional policy may not be provided by your existing policy. It is best to have another policy especially if you’re a frequent traveler.

Travel health insurance or travel insurance, they are all the same. They only differ in the coverage and premiums. Make sure that you choose one that you can afford. If you can’t afford the expensive policies, you can get the cheap ones. It doesn’t really matter whether the policy is expensive or cheap, what matters is that the policy meets your needs.

The options have already been laid down for you – you can visit the physical offices of the insurance companies or you can visit the online sites of the reputable insurance companies. So you choose between these two options- whichever is more convenient.

Some of the prominent insurance companies that you can find online are Churchill, ASDA, Direct Line, Tesco, Posy Office, Saga, Nationwide, Columbus, and many others. Visit any of the major insurance companies now and get quotes. Choose your travel health insurance carefully. You have to consider the premiums, your capacity to pay for the policy’s price, etc. Visit >>>http://1st4travelinsurance.co.uk

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Some people make a living out of traveling every now and then. However, millions in money is not worth it if your life is unprotected every time you travel. To answer the needs of frequent travelers, insurance companies or providers are now offering the multi-trip travel insurance.

What is multi-trip travel insurance? This is the type of insurance suited for frequent travelers and if you’re one of them, you shouldn’t travel overseas without purchasing first a multi-trip travel insurance.

If you want assurance and peace of mind, multi-trip travel insurance is the answer. This is a necessity and not just a luxury. Mishaps and dangers can happen outside the country and you don’t know what’s in store for you. Any unexpected situation can change your life dramatically. So if you go to a foreign country, you should always have some type of insurance.

This type of insurance is essentially designed for travelers so that their trips are covered. Travelers can get annual plans so that their series of trips within the year is covered. However, each trip should be from thirty to 120 days to be covered. Some of the coverage can include trip delays and cancellation, medical emergencies, loss or damage of personal belongings, and many others.

Why then should you purchase multi-trip travel insurance? Well, the reason is quite obvious. If you want your trip to be relaxing and enjoyable, this type of insurance is just what you need. So whatever your reasons for traveling, be it for pleasure or business, you’ll get the assurance you need that no matter what happens outside the country, you will be compensated and well-taken cared of.

Multi-trip travel insurance is available in different plans. Find a plan that suits your traveling needs. What you need to do is to assess your traveling requirements and then compare several existing policies in the market. If you’re lucky enough, you can find an insurance provider who is willing to tailor fit the policy according to your needs. There are a few insurance companies who offer that kind of privilege to their clients. For your convenience and ease in the selection process, make use of the internet. Search for valuable information that you can use so that you can choose a good insurance provider in lesser time. Access the different sites on the net that provides travel insurance information and quotation services.

Don’t rush yourself. Give yourself time to compare different travel insurance plans. It would be best to start your search weeks or even months before your travel date. This will take off the pressure in the selection process. By doing so, you can purchase the best multi-trip travel insurance in the market. Oftentimes, individuals don’t consider the price much as long as they are contented with the coverage and other benefits of the policy.

Check your budget and your travel insurance needs. Only then can you assess if a certain plan meets your needs or not. Perhaps you also travel with your family, so you need to get a multi-trip travel insurance that can cover your whole family. You decide because only you know the things you need when you travel abroad. No one can dictate which policy you should get, not even the insurance providers. Be a wise traveler and purchase the most-suitable multi-trip travel insurance policy or plan. Do it now, before anything bad happens on your next trip. Visit >>>http://1st4travelinsurance.co.uk

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