Here are some things which you should know:
Traveling to India is an exciting and adventurous affair. However, sometimes being fit and healthy does not prevent accidents. Therefore, foreign visitors should always travel with health insurance.
One should declare any existing medical condition to the insurance company. If your problem is pre-existing, the insurance will not cover you if it is undeclared. One may also require extra cover for adventure activities such as rock climbing and scuba diving. Most of the places have declaration forms absolving the place of any kind of mishap.
If you’re un-insured, emergency evacuation is expensive; bills of over US$100, 000 are not uncommon.
It is also a good idea to find out if your insurance plan will make payments directly to providers or if it will reimburse you later for overseas health expenditures. (In many countries, doctors expect payments made in cash.)
Here are the factors which determine the premium you’ll have to pay:
The higher the sum assured, the costlier is the policy.
TYPE OF PLAN:
Single-trip, multi-trip, student or senior citizen plan.
Special add-ons such as cover for adventure sports, home insurance or separate insurance for important documents and expensive items will increase the cost.
DURATION OF TRAVEL:
The longer the duration, the higher will be the premium
AGE AND HEALTH:
Your age and general health are also parameters for underwriting travel policies. Pre-existing illnesses and illnesses related to alcoholism and drugs are not covered (still it is important to check with your service provider).