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Travel insurance is normally the last proceed on people’s mind when they are booking a expedition, but can turn out to be the most vital thing to have when you are in a adversity circumstance. Here are a few advantages of booking travel insurance:

1. Medical Care: The most obvious advantage is that if you fall sick on your trip, you will be covered for any medical care you need. Make sure you understand the limitations in your policy, as some have upper limits for the amount they will pay.

2. Medical Transport: Generally insurance policies will reimburse for you to be transported to a medicinal institution, such as by road or air ambulance.

3. Repatriation: Insurance will also pay for the cost to be returned to your home country after your medical treatment, along with a medical professional. This also covers the transport of your remains if you die while abroad.

4. Medical Evacuation: In the event of you being truly sick and there not being a fine hospital where you are, you will be displaced to the nearest good hospital for treatment, even if this means taking you to another state.

5. Hospital Incidentals: This covers supplementary costs while you are a patient in a sickbay. This is only given after a least length of journey and also has a higher limit on the amount you can claim.

6. Cancellation or trip interruption: This covers any costs of you having to alter the phase of your visit, such as flight changes etc. This includes a death in the family, or something happening to your house, such as flames.

7. Missed Flights: This covers all added costs if you let pass your flight back home. This will back you obtain the first possible flight back, as well as cover any additional costs of altering flights or hotel stays.

8. Personal Liability: This gives you cover in case you harm a third party or spoil any property.

9. Legal Expenses: There is usually some sort of cover provided if you have to get involved in litigation while on your visit.

10. Personal Accident: This means that if you get hurt or pass away during your tour, you will be given a little amount of money.

11. Personal Baggage: This covers your belongings while on the trip. If you lose a bag, a laptop or any other belongings, you can claim compensation for it. This is usually accompanied with information on the maximum amounts you can claim, for instance on jewellery.

All of these are return of carrying travel insurance, however, the covers given to you under different policies vary, and so get convinced by reading the unambiguous print before you sign any papers or pay for your cover. Depending on where you are going, and how long you are going for, you will be required to pay different amounts. So, it may be more costly to acquire travel insurance for an unsafe state, as compared to a country with short wrongdoing rate.

However messy or claustrophobic or mismanaged the Indian Railways might be, one can’t ignore the fact that it is indeed the most cost-effective and probably the fastest mode of transport within cities (excluding the ride to work on your hayabusa).

What’s also commendable is that you have a host of options according to your priority list. So if you have all the time in the world, take whatever train turns up at the station, when you do.

If you have all the time in the world and want to sit and travel, either first or second class, down-up is a good option you could take. It could take you 15 -20 minutes more to travel but at least you can sleep, read or listen to music, while you comfortably travel, seated at the window.

And if just can’t afford to reach late, hop into one of the fast trains and you might just land up saving you sal and your job, this one time.

Here’s a DIY for getting into a fast train:

a) Tie up your hair if it’s loose, so that they don’t get pulled apart during the mad rush.

b) Organise your valuables and keep them close to your body so that they do not get entangled while you try to board the train.

c) Try and align yourself to the right of the compartment (90% of the time) as the left is usually completely blocked by people who want to alight at the next station.

d) Do not jump into the train, till all those who want to get down have managed to, as you would neither be able to get in or get out but will land up badly bruised in no man’s land.

e) Try and get in with the flow and the pressure of the crowds trying to make their way in.

f) Once in, quickly work out which side of the train your platform will feature and go and occupy a place as close to that door as possible.

g) No point hunting for a place to sit, as you won’t find one; unless you want to get down at the last station.

h) If you’ve managed to get in, half your battle is won. Now make sure you are alert enough to know when to get down as fast trains do not stop at every station.

i) Stick to the crowds and do not forget to ask if the women ahead of you actually wants to get down @ the same station that you do. If not, you need to do some juggling and gymnastics to get ahead of her.

e) Finally jump out, but do not be the cause of a stampede. Surviving a fast train, needs a faster attitude.

Happy travelling!