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Travel health insurance: 5 things to know before buying one |

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What is travel health insurance? And do we really need it or is it just some gimmick by travel and tour companies? Do we need it even if we are extremely careful about everything while travelling and are sure that we will not get into any troubles? Well, travel health insurance is a type of insurance policy designed to cover medical expenses and health-related emergencies that may occur while travelling, either domestically or internationally. It provides financial protection against unexpected healthcare costs, such as hospitalization, doctor consultations, medications, or emergency medical evacuation, ensuring travelers can access necessary care without significant out-of-pocket expenses. And believe it or not, medical expenses abroad can go very steep most of the time.For worry-free trips, whether to nearby destinations or international locations, it’s good to understand what this is all about. Here are five key points to consider before purchasing a policy.

Coverage scope and exclusions

Travel health insurance typically covers medical emergencies, such as hospitalization, doctor visits, and emergency medical evacuation. Policies vary so some may even include coverage for trip cancellations, lost luggage, or dental emergencies. But most of these policies focus solely on health. Some policies also exclude pre-existing conditions, routine check-ups, or high-risk activities like adventure sports. However, there are specialised coverages for these cases, and they differ from insurer to insurer. unless specifically added. Remember to read the policy’s fine print to confirm what’s covered.

Destination-specific requirements

Some countries require proof of travel health insurance for visa approval or entry. For example, it is mandatory to have minimum medical coverage of EUR 30,000 for Schengen countries, for medical emergencies.

Check carefully coverage limits and claim process

Policies have limits on coverage amounts and may require upfront payment with reimbursement later or direct billing with partnered hospitals. Do check with the insurer whether they have a 24/7 helpline and a network of hospitals for cashless treatment. A complex claim process can be problematic during emergencies.

Consider health and travel plans

Do you or your loved ones have pre-existing medical conditions? Pre-existing conditions like diabetes or heart disease may require additional coverage as some policies don’t cover these. If you plan adventure activities, ensure the policy covers such risks. There are chances of getting sick while travelling or even getting injured, make sure the insurance plan covers all these. A comprehensive medical coverage is what we are looking at. It’s good to disclose all medical conditions when applying to avoid claim rejections.

Compare costs and reputable providers

A basic policy for a week-long international trip might cost INR 1700-2000, while comprehensive plans with higher limits can exceed the aforementioned amount. Don’t choose solely based on price. Cheaper policies may seem desirable, but some tend to skimp on coverage. Some even have poor claim support. You don’t want that headache. It’s always good to compare costs from as many reputed insurers as one can. Do check what al they cover. Also, while not all customer reviews can be fully trusted, don’t skip this process as it may give you a general idea.





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Railway Passengers Can Now Avail Travel Insurance for Just 45 Paise with E-Tickets: Ashwini Vaishnaw

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Passengers booking confirmed or RAC e-tickets through Indian Railways can opt for a low-cost Optional Travel Insurance Scheme by paying just 45 paise per journey, inclusive of all taxes, Railway Minister Ashwini Vaishnaw announced in the Lok Sabha.

The scheme provides insurance coverage during the train journey, with policy details and claim settlements managed entirely by the insurance company. Over the last five years, 333 claims have been settled, with ₹27.22 crore paid to affected passengers and their families. This initiative aims to make travel safer, affordable, and seamless for millions of railway travellers.

Affordable Travel Protection Made Easy and Accessible

The Optional Travel Insurance Scheme, known as OTIS, is designed exclusively for passengers who book confirmed and RAC tickets online through the IRCTC portal or app. For a minimal premium of 45 paise per trip (which includes a base premium of ₹0.38 plus applicable GST), passengers receive coverage that begins when boarding the train and lasts until disembarking.

Opting into the scheme is as simple as ticking a checkbox during ticket booking, with no extra paperwork or separate application required. Policy information, including nomination instructions, is then sent directly to the passenger’s registered mobile number and email from the insurance provider, ensuring transparency and ease of access.

Comprehensive Coverage for Peace of Mind

The insurance covers multiple travel-related risks, including accidental death, permanent total disability, and hospitalization expenses due to injuries sustained during the journey. The scheme ensures that passengers, particularly those travelling long distances or in challenging conditions, have a financial safety net.

As the policy and claims are handled directly by the insurance company, passengers can engage with the insurer to file claims without involving the Railways, expediting the settlement process. This separation streamlines procedures and reduces delays, enhancing passenger confidence in the programme.

Historical Context and Government’s Digital Inclusion Drive

Introduced in 2016, OTIS reflects the government’s broader objective to integrate digital services with passenger safety and financial inclusion. India’s vast railway network serves millions daily, many of whom lack access to conventional insurance products.

By embedding insurance purchase within the ticket booking experience, Indian Railways facilitates effortless adoption of protective financial products. The affordability of the scheme, enabled by a nominal premium, was consciously designed to encourage widespread use, especially benefiting lower-income passengers and first-time insurance users who might otherwise remain uninsured during travel.

Usage Statistics and Impact So Far

Since its inception, the scheme has settled 333 claims, disbursing ₹27.22 crore to passengers or their beneficiaries. The figures highlight its operational effectiveness and the real-world need for travel insurance among railway passengers.

Railway Minister Ashwini Vaishnaw highlighted these achievements in his parliamentary reply, reinforcing the commitment to passenger welfare through affordable, technology-integrated solutions.

Seamless Integration and User-Friendly Experience

OTIS’s integration into the IRCTC ticketing system means passengers do not have to go through multiple platforms or complicated procedures to protect themselves. The opt-in/opt-out option is clearly presented during the booking process.

Once confirmed, instant communication from the insurer ensures passengers are fully informed of their coverage and claim procedures. This user-centric design marks a step forward in digital public service delivery, leveraging India’s rapidly expanding internet and smartphone penetration.

The Logical Indian’s Perspective

The Logical Indian applauds this innovative approach that integrates financial security into everyday travel decisions, potentially protecting millions from unforeseen risks at minimal cost. However, the scheme’s success ultimately depends on widespread awareness and understanding among passengers.

Many travellers remain unaware of OTIS or its benefits, reducing potential uptake. We urge government agencies and Indian Railways to launch sustained awareness campaigns and educational outreach to promote this safety net effectively. 



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Ryanair passengers urged to check travel insurance today as strikes loom

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Those flying this month could face disruption amid widespread industrial action from baggage handlers for the airline

The strike is by baggage handlers who handle the service for the budget airline(Image: Getty Images)

Thousands of Ryanair passengers face being caught up in Spanish airport strikes as more than 3,000 baggage handlers who service the airline stage walkouts at 12 of the country’s busiest airports.

The action will start from August 15 and will affect airports including Madrid, Barcelona, Valencia, Seville, Alicante, Ibiza, Malaga, Palma de Mallorca, Tenerife South, Girona, Lanzarote and Santiago de Compostela. The stoppages are scheduled for August 15,16 and 17 and come at critical times of the day.

Workers will down tools on these days between am to 9am, 12pm to 3pm and 9pm to 11.59pm. The strikes will then continue every Wednesday, Friday, Saturday and Sunday for the rest of the year.

And Ryanair passengers are being urged to check what cover they have on their travel insurance now to see if they have any right to compensation.

Baggage handlers say they are striking in response to poor working conditions and labour rights violations.

Niraj Mamtora, Director at Forum Insurance, said it’s crucial those planning to fly when industrial action is being taken check their policies.

Niraj said: “Standard travel insurance policies often exclude airspace disruptions, so you should never assume that you’re covered for events like strikes, airport closures or air traffic control outages. To protect yourself, look for a policy that offers ‘travel disruption’ or ‘airspace closure’ as an optional extra or higher-tier feature.

“Travel disruption insurance can cover you if your flight is cancelled or delayed due to strikes or airspace closures, and may reimburse you for unused travel and accommodation, enforced stays abroad, or extra expenses if you’re stranded and no suitable alternative transport is available for more than 24 hours.

“Even when the disruption is caused by ground staff, such as baggage handlers, it can still affect flights and fall under certain travel disruption or airspace closure clauses, depending on the policy wording.

Experts say you may be covered by insurance in the event of disruption but urge fliers to check today(Image: Getty )

“Always check your policy wording carefully. Some insurers require that the disruption be unexpected and not known at the time you book or buy your policy.

“If you travel against official advice, or if the event was foreseeable, you may not be covered.”

If you’re already booked and unsure if you are covered it’s worth looking to the fine print in the section of your policy on ‘travel disruption’ or ‘missed departures’.

Niraj explained: “First, check your existing policy documents carefully. Some standard travel insurance plans may offer limited protection for delays or missed departures, even if they don’t specifically mention airspace closure.

“Look for sections on ‘travel disruption’ or ‘missed departure’ to see if any cover applies.

“If your policy doesn’t include this, contact your airline or travel provider directly. Airlines are often obliged to offer rebooking, refunds, or care such as meals and accommodation. Package holiday providers may also be responsible for rearranging your travel or offering compensation.

“For future trips, consider adding ‘travel disruption’ or ‘airspace closure’ cover as an optional extra. It’s a small investment that can save you significant stress and cost if the unexpected happens again.”

Niraj has also shared additional tips for those travelling to Spain later this month:

  • Review your policy documents today. Even if you think you’re covered, the terms, exclusions and conditions matter.”
  • “If you’ve only just booked your holiday or insurance, be aware that insurers may not cover disruption from a strike that was already public knowledge at the time. Check whether the strike counts as a ‘known event’ under your policy.”
  • Contact your airline or tour operator early if you’re due to fly during strike dates. Many providers have plans in place, but you need to act quickly.”
  • Keep receipts for any out-of-pocket expenses caused by delays . You may need them if you make a claim.”
  • “If you can, consider travelling outside the planned strike windows to reduce the risk of disruption.”
  • “If your flight is delayed and you miss a connecting journey or prepaid transfer, you may only be covered if your policy includes missed connection or onward travel protection. Always check the fine print.”

Niraj added: “Travel disruption cover usually doesn’t allow you to cancel your holiday just because of expected delays. Claims are typically only accepted for specific costs you’ve incurred due to confirmed disruption.”



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Norway Joins France, Denmark, Estonia, Greece, and Croatia as UK Announces Travel Advisory for New Schengen Border Entry Requirements

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Published on
August 7, 2025 |

By: TTW News Desk

Norway joins France, Denmark, Estonia, Greece, and Croatia as the UK issues new travel restrictions due to change in border entry requirements which will come into effect on the 12th of October, 2025. This is in parallel with the additional biometric security features set to be implemented by the EU on its new border control system, the Entry/Exit System (EES). The UK is warning its travelers to be prepared for additional security finger, face, and eye recognition checks on entering these countries, which will need to implement tighter border security and reduce the risk of illegal immigration for the Schengen countries.]

As the European Union prepares to roll out its new Entry/Exit System (EES) on October 12, 2025, the UK FCDO has issued a new travel advisory for British citizens traveling to the Schengen area. This update comes as several Schengen nations, including Norway, France, Denmark, Estonia, Greece, and Croatia, implement new entry protocols that will affect travelers arriving from the UK. The EES will introduce new biometric checks and further border regulations, impacting travelers’ experience at the border.

Norway: Updated Travel Rules and Entry Requirements

Norway is one of the Schengen countries where UK citizens will face new entry requirements starting October 12, 2025. As a part of the Schengen area, Norway will introduce the European Union’s new Entry/Exit System (EES). This means travelers will need to undergo biometric screening, including fingerprint and facial recognition, when entering or leaving the country. These checks will be part of the broader European effort to enhance border security and streamline immigration processes.

For British travelers, the following requirements will apply:

  • Passport Validity: UK travelers must ensure their passports meet Schengen rules. Your passport must have been issued less than 10 years before your arrival in Norway and must remain valid for at least 3 months after your intended departure from the Schengen area.
  • Visa Requirements: UK travelers can visit Norway for up to 90 days within any 180-day period without a visa for tourism, business, or short-term studies. However, the new EES could slightly increase wait times at border crossings.
  • Travel Insurance: While travel insurance is not compulsory, it is strongly recommended. Insurance should cover emergencies, such as health issues, cancellations, and trip interruptions.
  • Onward Tickets and Financial Proof: Travelers may be asked to show a return or onward ticket and prove sufficient funds to cover their stay.

France: Stricter Schengen Entry and Biometric Checks

France has long been a popular destination for UK travelers, but starting on October 12, 2025, visitors will face tighter entry controls. Like other Schengen nations, France will implement the new EES system, which involves biometric data collection (fingerprints and facial photos) at border entry and exit points.

For UK passport holders traveling to France, these changes mean:

  • Passport Validity: UK passports must meet the Schengen validity requirements. If your passport was issued more than 10 years ago (before October 1, 2018), ensure that it meets the criteria set by the Schengen area for entry.
  • Visa-free Travel: Travelers can still enter France for up to 90 days within a 180-day period for tourism or business without a visa. However, overstays could result in a three-year ban from entering any Schengen country.
  • Proof of Funds and Accommodation: Travelers may be asked to provide evidence of sufficient funds for the duration of their stay and proof of accommodation, such as hotel bookings.
  • Travel Insurance: It is advisable to obtain comprehensive travel insurance, particularly to cover any medical emergencies or trip cancellations.

Denmark: Enhanced Border Security with EES and New Travel Guidelines

Denmark, another prominent Schengen country, will also implement the EU’s Entry/Exit System starting on October 12, 2025. For British travelers, this means additional biometric checks, including fingerprint and facial recognition scans, when entering or leaving the country.

Key travel considerations for Denmark include:

  • Passport Validity: Ensure that your UK passport is not older than 10 years from the date of arrival in Denmark, and that it has at least 3 months of validity remaining after your intended departure from the Schengen area.
  • Visa Requirements: As a tourist, UK travelers do not need a visa for stays of up to 90 days within a 180-day period. This applies for business, tourism, and short-term study trips.
  • Travel Insurance: While travel insurance is not mandatory, it is highly recommended for your protection during your travels. Ensure your insurance covers health emergencies and trip cancellations.
  • Proof of Funds: Be prepared to show financial evidence of your ability to cover your expenses during your stay, especially if traveling to multiple countries in the Schengen area.

Estonia: New Schengen Rules for Short Stays and Longer Visits

Estonia, one of the Baltic nations in the Schengen zone, will also be rolling out the new EES system from October 12, 2025. British citizens traveling to Estonia should be aware of the following updates:

  • Passport Validity: As with other Schengen countries, UK passport holders must ensure their passport was issued within the last 10 years and remains valid for at least 3 months after departure from Estonia.
  • Visa-Free Travel: UK nationals can continue to travel to Estonia for up to 90 days within any 180-day period for business, tourism, or short-term studies without the need for a visa.
  • Additional Border Controls: With the introduction of the EES, travelers will be required to undergo biometric screening at border entry and exit points. This is a new measure aimed at improving security across the Schengen area.
  • Travel Insurance: Ensure that you have travel insurance that covers medical emergencies, cancellations, and other unexpected issues during your stay in Estonia.
  • Proof of Funds: Be ready to show proof that you can financially support yourself for the duration of your trip, especially if your stay includes multiple Schengen countries.

Greece: Updated Border Controls and EES Implementation

Greece, a key destination for British tourists, will implement the new EES system on October 12, 2025, affecting travelers’ entry and exit procedures. Here’s what UK travelers need to know:

  • Passport Validity: Ensure that your UK passport is no older than 10 years from your arrival date in Greece and valid for at least 3 months after your planned departure from the Schengen area.
  • Visa-Free Travel: UK passport holders can visit Greece for up to 90 days within any 180-day period for tourism, business, or short-term studies without requiring a visa.
  • EES Impact: As part of the EES system, UK travelers will need to provide biometric data (fingerprints and photos) upon arrival and departure. While this is intended to enhance border security, it may result in longer waiting times at entry points.
  • Travel Insurance: While not mandatory, travel insurance that covers medical expenses, cancellations, and other emergencies is highly recommended.
  • Financial Requirements: Border officials may ask for proof that you have enough funds to cover your stay in Greece. Be prepared to present evidence of sufficient funds, especially for extended stays or travel to multiple Schengen countries.

Croatia: Transition to Schengen Rules and Enhanced Entry Procedures

Croatia, which recently joined the Schengen area, will implement the new EES system as part of the EU’s updated border security measures. British travelers should prepare for the following changes:

  • Passport Validity: UK passport holders must ensure their passports are valid for at least 3 months after their departure from Croatia and that they were issued within the last 10 years.
  • Visa Requirements: UK nationals can travel to Croatia for up to 90 days in a 180-day period without a visa for tourism or business purposes.
  • Biometric Screening: Starting in October 2025, travelers will need to undergo biometric screening at the border. This process involves fingerprint and facial recognition, and may increase processing times.
  • Travel Insurance: Although travel insurance is not mandatory, it is recommended for covering unforeseen circumstances such as medical emergencies or travel delays.
  • Proof of Financial Support: Border guards may ask for evidence of sufficient funds to cover your stay in Croatia. Be ready to present evidence of accommodation and financial support.

Norway, along with France, Denmark, Estonia, Greece, and Croatia, is now part of the UK’s updated travel advisory due to the new Schengen entry regulations coming into effect on October 12, 2025. These changes, including biometric checks and stricter border controls, are being implemented to enhance security and streamline immigration processes across the Schengen area.

Starting October 12, 2025, when the Schengen zone implements new biometric entry and exit systems, British travelers to Norway, France, Denmark, Estonia, Greece, and Croatia will face increased scrutiny at border control. These alterations represent the European Union’s attempts to improve security procedures and streamline the flow of immigration. Following the new entry protocols, having valid passports, needed documents, and appropriate travel insurance will ease your travel throughout the Schengen area. Always review the most recent travel warnings and comply with the policies of every individual country to ensure timely travel or issues throughout the journey.



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