Travel around the world – Insurance, Good Hotels

Before one plans to travel to India, it is necessary that the basic information regarding the places you are likely to visit is gathered. It is also advisable, in order to, make the journey comfortable follow certain Do’s and Do-Not’s.

Information:

• Information about the Places to be visited can be obtained from the Indian Embassy in your country as well as it can be looked at by surfing India Travel related sites.
• Staying in India is no problem. There are plenty of Hotels with categories ranging from Five Star Hotels to One Star Hotel, No Star Hotels, Budget Hotels, India Tourism Hotels, Resorts. In each big town there is Tourism Office, which gives information and Assistance.
• Foreigners staying in hotels are required to make the payment of their bills in Foreign Currency.
• English is the most commonly spoken language. For other languages you can seek the help of an Approved Guide knowing the Language you speak.
• People of India have a friendly nature and show their hospitality in welcoming you. Do not get disturbed if some one looks at you with some curiosity. You shall find them helping in nature and where ever necessary they shall go out of the way to guide you.
• Need not to mention, if you are using some of medicines, carry them with you, because the medicine or the brand you are using ay not be readily available. How ever the equivalent substitutes are available.
• The Religious places require that you remove your shoes and deposit them at the Shoes Counter. The Shoes are safely kept here and you are given a token in lieu if shoes. By surrendering the Token you can collect your shoes after you have finished with your visit to the temple. You are also required to cover your head with a cloth.
• The electric current supply in India is AC 220/ 250 volts and 50 cycles. If your equipment uses different current supply, obtain a converter.

Do’s :

• Always carry with you a Bottle of water. Col Mineral water is available at the Railway Stations, Bus Stands and in the Shops every where.
• Buy Railway Tickets from the Railway Station Booking Counter or authorized Travel Agent
• Keep your Pass Port, Travel Documents and Tickets safely.
• Keep your money safely.
• Hiring a Taxi or an Auto Rickshaw should be from a Pre Paid Booth present at Railway Stations, Air Ports, Bus Stands. If no such service is available from the place you are hiring Pay only by Fare Meter or settle the amount to be paid before starting the journey.
• Make your Travel Reservations well in advance especially during peak season from the month of October to month of March.
• Use Phone Call booths for making Inland and International Calls. There are plenty of them at the Public Places and in the markets with a Public Call Office Board Displayed or STD/ISD Board Displayed.

Do-Not’s:

• Do not hire a transport service from an unauthorized agency.
• Do not eat on the road. Always dine at a good restaurant.
• Do not give money to beggars they shall surround you and shall face a problem in dealing with them. More over it is illegal to give money to beggars.
• Considering the safety aspects it is advisable not to go to isolated places late hours.

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Human inhabitation in India:

The evidences of Stone Age Rock shelters and the paintings found in the area of Madhya Pradesh reflect about permanent human settlements in India dating back to about 9000 years ago. This formed the creation of Indus valley in western India. Subsequently in Vedic Period there was establishment of Hinduism affecting the culture of the early Indians. Later on many small kingdoms got established in different parts of the country.

Being a home land of Indus Valley Civilization and a region which encouraged historic trade routes and formation of vast empires, the Indian subcontinent was identified with its commercial and cultural wealth for much of its long history.

The Religions of Indian People:

Four major religions followed by the Indian people i.e. Hinduism, Buddhism, Jainism and Sikhism were the religions which originated here in different periods to fill the gaps existed in the previous religions. Zoroastrianism, Judaism, Christianity and Islam arrived in India during the first millennium and are responsible for diversity of culture exhibited by the people of India.

India offers lot of fascination to view and feel by mixing up with the people of India, who are very hard working, sincere and display great harmony in living together and working for a common cause. There is a lot of diversity to be seen

The Racial Origin of Indian People:

People of India have origin from a number of racial groups having different Religions, customs and traditions. People of India display diverse traits of varying in heights, complexion and features. There is lot of contrasts in responses and behaviors as you to west to east or north to south. There is diversity in regional languages. There are 13 regional languages, which are prevalent in India.

There have been aggressions by foreign Invaders during the ancient period, who ruled and settled in India bringing with them their cultures and traditions which influenced the local people and is result of heterogeneous population of India descended from European Aryans in North India, Dravidians in south India, Mongloids in East India and Negrito in Andaman and Nicobar Islands.

Indian Languages:

The Languages of India range from Hindi in Northern India and the Dravidian Languages spoken are Telgu, Kannada, Tamil and Malyalam. Kashmiri is spoken in Kashmir and Bengali in Bengal. A number of states speak their own dialect version of Hindi.

The number of languages spoken by the people of India reflects their ethnic diversity. Languages that belong to the Indo-Aryan family of languages are spoken in Northern India. Hindi is the official language of India. The tribals speak their respective dialects ranging from Austro-Asiatic to Tibeto-Burman.

To commemorate the 50 years of Indian Independence One India One People (OIOP) Foundation, a non-profit organization was set up in August 1997. The foundation was set up by Mr. Sadanand A. Shetty, an industrialist, with the object of unifying the people of India.

One India One People magazine was a vehicle, which touched hearts millions of people of India settled abroad or living in India. He had a broad vision for building great and strong united India. He wished to see every citizen to be proud Indian.

One India One People magazine was created to fill a very vital gap of Recognition existing in the Indian society for building internal awareness about our great cultural legacy and geographical wonders, and highlighting social, economic and political issues unique to India.

The Foundation proved to act as a catalyst and influence the ignorant population to realize full capabilities they possessed and use them in to place India as an exalted country. The 20-point Charter was conceived with Indians in mind.

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India has a very rich heritage of the past based on the Indian traditions and values of the times immemorial ranging from origin of a number of religions and faiths based on the true stories portrayed by the pious men like Lord Rama, Mahatma Budh, Lord Mahavir, 10 Gurus of Sikh Religion. There are places of Pilgrimage associated with these religions.

The Epic wars like Mahabharta were fought on this land to uphold the principles. The places associated with the epic war are also places of pilgrimage.

Indian sub continent has witnessed many ancient civilizations moving from one part of the world and settling here affecting the local population with their practices. India suffered at the hand of foreign invaders settling here to rule the country for over 400 years and constructing monuments and memorials, which contribute to the heritage of India.

India has its own seven wonders, which are a must for a traveler to visit and enjoy life and hospitality of Indian traditions. The tourism in India is growing very fast because of increasing popularity of Indian wonders.

In the ancient past India had many princely states living peacefully without any threat and encouraged Art depiction in Temples and palaces constructed by them. The art and architecture of India progressed with the patronization of kings and princes of the past. Such activity was witnessed in full swing from 2nd Century BC to 10th Century AD. The best architecture, sculpture, painting work is still maintained in the ancient temples. Caves at Ajanta and Ellora, temples at Khajuraho, Mahabalipuram, Buddhist Stupas, and plenty of temples, shrines, and palaces pertaining to this period are the places of tourist attraction. Gandhara and Mathura schools of art contributed significantly towards the growth of the arts of ancient India.

Medieval period witnessed crumbling of the political structure against the strength of foreign invaders resulting into immigration by the Muslims from central Asia. This gave different turn to the ancient art and architecture of India. Almost different culture background is responsible for different shapes of monuments and memorials constructed during the period.

Turkish and Afghan rulers blended their traditions with Indian culture and created Indo-Islamic style seen in Qutab Minar, Quwwat ul Islam Mosque,

The Mughuls during 16th to 19th century influenced great advances in respect of the grand buildings. Many Forts, Palaces, and Mausoleums like Himayuns’ tomb, Agra Fort, Old Fort in Delhi, Taj Mahal, Fatehpur Sikri, Red Fort in Delhi and the Highly decorative palaces at Mandu and Jaunpur. The temples of Dilwara, Gujarat, Rajasthan and Vijayanagar also belong to this period.

The seven wonders of India having World Heritage Status are worth visiting the details are given below:

1. Taj Mahal :

Located at Agra was built by Mughal King Shahjahan in memory of Queen Mumtaz Mahal. It is all white marble huge structure on the banks of River Jamuna, which now has changed its course. It has the tombs of Queen & King side by depicting true love for each other.

2. Khajuraho Temples:

These Temples  remained hidden from the modern society for a very long time. Khuraho Temples have been by Chandela Dynasty depicting ancient form of fine sculpture representing erotic and sensuous scenes of real life of those times.

3. Ajanta Ellora Caves:

These caves are situated near Aurangabad in Maharashtra. These are cave shrines made by hand cutting of the rocky region. They were unknown for almost 1000 years and were accidentally discovered by a hunter. They represent finest example of ancient art in India.

4. Golden Temple also known as Darbar Sahib:

It  situated at Amritsar, it is one of the Oldest Sikh Shrine established by Shri Guru Ram Das ji and the town is called Guru Ki Nagri. Pilgrims from India and abroad regularly come here to pay their homage.

5. Mahabodhi Temple:

It is located at Gaya in Bihar and is famous because Mahatma Budh, while sitting under the Bodhi tree for a long time attained enlightenment based on which is Bodhi Religion. It has finest architecture of the ancient times.

6. Hampi Ruins:

They are of both Architectural and Religious Importance. It was capital of Vijayanagara empire having Hindu Influence and was built in 14th to 16th century. It is a collection of Majestic Temples, palaces and Market place.

7. Konark Sun Temple:

It is a 13th Century monument built by King Narsimahadeva and has Oriya Culture

at its best form. The whole temple is shaped like a Chariot on which Sun God is shown going to heavens. Sun is a very favored diety of Hindu religion and many rituals are done to please the sun diety for bountiful blessings.

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There is no doubt that if you have a family that contains children then it is highly possible that you will make a trip of some kind with them. As such there is the need to make sure that you are abreast with all the necessary mechanisms that need to be put in place to make your travel experience one to savour. This is because children are very vulnerable and also injury prone with their high level of curiosity. If you are going on a cruise, flying abroad in a plane or driving across the country, you will have to bear these safety precautions in mind. Here are some of the few steps that could be taken to help you take care of their safety concerns.

1. The most important thing is the fact that your children should be taught how to act in public and indeed how to follow simple rules. You need to be able to explain to them why some rules are made for their own safety. Make sure that they are well vexed with regards to how to behave on an airplane such as not shouting or even how to safely board a plane. Ensure also that they have enough knowledge as to how to put on their seat belts if using a car and how to take them off. This is to prevent them from getting seriously injured in case of any accident.
2. In addition to the above, you could also hire a babysitter to take care of them when staying in hotels. You must, however, ensure that they have good referrals and the policies that govern hiring in such hotels. Sometimes you can leave them behind in the hotel whiles away with the babysitter. On other occasions, you could also take them with you when going out so that they enjoy themselves also. You must, however, take their safety outside into consideration.
3. There is the need to keep your children busy when traveling especially in a car or an airplane. For the former, it is very crucial as there will be no need for disturbances especially if you are using your own private car. It can really be stressful for you if they are left with no activity as such have all the time to cause some havoc in the car. Most of the time if children are not engaged in any activity, they become bored and thus cranky leading to all kinds of irritable behavior.
4. One other thing is to make sure that your car is in the best of conditions before making the trip to your destination. Make sure that all the various systems are checked for their safety. When you have faulty brakes, for instance, you cannot then rely on the seat belts to support the children when pulling the brakes. You must ensure that all those kinds of mechanical fittings are in the best of conditions for use.

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A number of people have nowadays developed the habit of using travel agencies, whenever they decide to travel. This is because of the numerous benefits that they derive out of their services. Aside the benefits there are also cost savings that one can enjoy from patronizing their services. Let us take a look at some five reasons why the travel agencies will help you to save money.

1. One of the advantages that travel agencies have is their ticket consolidation. A number of them have a large database that contains the discounted tickets. Therefore, you will get the opportunity to access some of these discounted tickets if you patronize their services. Sometimes just because of lack of people, they are forced to throw away the unutilized discounted tickets for the season to make way for the next season’s tickets. Moreover, they will help you to do a simple comparison of the price of airline tickets across the board. This will help save the tremendous amount of money in going round to do such an activity.
2. The travel agencies will also help you to do some simple comparison shopping. Since a number of these travel agencies are on the internet it is pretty easy to do a comparison of the tickets that are marketed by the numerous airline firms. Apart from this you can also do a comparison shopping in terms of group discounts, travel insurance, coupons and freebies and other package deals. There is indeed no need to move from one travel office to the other. You will save money by doing a diligent search and narrowing it down to three or five.
3. Also they will offer the opportunity to do your one-stop shopping in relation to your travel activities. In fact, within a very short period of time your travel agency will be able to make all the necessary arrangements for your travel. These will range from tour excursions, ticket reservations, and shuttle service from the airport, accommodation, rental cars and even the services of a personal tour guide.
4. Aside all the above reasons there is also the chance to have access to a wide network of travel related services. Since these agencies have been able to work with those in the travel industry for a long time, they have all the information to make your travel easy. They know all those who work in the railway and restaurants, bed and breakfast, hotels and other great services for your comfort. Because of their constant interaction with these people, they are able to squeeze the best deals from them for your benefit thus helping you to save money.
5. Since most of the travel agencies have no physical location where you can go and utilize their services, there are no real overhead costs associated with their business. All the money that is saved on staff salaries, rent, utilities are non-existent. This means there is no need to pass it on to the consumer.

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It is very important to maintain a healthy body even during travels. Certain health precautions and preparations prior to the trip are needed to ensure a healthy and illness free travel. Of course, everyone wants to return home in the same state of health and disease free. We don’t want to acquire certain diseases that you can get during travels. And of course, we don’t want additional bills due to health problems acquired during a trip. Avoiding all of these problems is very easy if you know how to. That is why I listed below some easy measures that you can follow to have a safe and healthy trip.

1. Hydrate your body by taking in large amount of water: Humidity is higher inside the plane as compared to that in the desert. Caffeinated and alcoholic drinks dehydrate the body faster, so stay away from drinks like cola, beer, iced tea and such. If you can’t fight the temptation in drinking these kinds of beverages, be sure to take a lot of water to compensate to the expected dehydration.

2. Herbal supplements and your daily vitamins can help: I’ve heard a lot of good things from fellow travelers about vitamins and dietary supplements like “Airborne”. This helps the body to fight against health problems that you may get in plane trips.

3. Have a lot of rest: Have enough sleep the night before your flight schedule. If your flight arrives at night, this will help you get some sleep at the place of your destination. On the other hand, if your flight arrives in the morning this will ensure you that you can sleep in the evening and stay awake during day time. This will avoid problems in your normal circadian rhythm or your normal internal clock and the body’s sleep wake cycle.

4. Avoid infection and germs: One of the most crowded places in the world is air ports and airplanes as well. People are too close to each other which increase the risk for the spread of infection. This is always true unless you are in the First class accommodation. You may also bring hand sanitizer and disinfectant wipes to avoid infection, you may also want to wipe your seat and seat belts to kill germs and bacteria. To prevent airborne bacteria from infecting you, you can cover both your mouth and nose with clean handkerchief or wear a mask.

With all these suggestions, you can be sure that you can stay healthy and avoid health problems during trips and travels.

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I found 10 most important things to bring when travelling with a baby. It is easy to jet set and travel all over the world if you are alone or with your friends, and you are all adults. You can survive even with the barest necessities that come with when you travel light. Being all able-bodied adult travelers, you could all simply just go backpacking all over Europe where your feet may take you and perhaps find a rest under a shade for a little while and still not worry about not having enough food in your stash since you could simply find one on the road. However, when travelling with your baby everything becomes a different story. There are a lot of things to be considered starting from the things to pack and bring.

10 Things to bring when travelling:

1. Milk – A baby needs to be fed per demand. If your baby goes crying while you are on the plane or on the road you have no choice but to feed it. Being on the road means that it is highly unlikely for you to breastfeed in a public place where a lot of bystanders and onlookers can see you as you breastfeed. Hence, bringing enough milk is very important. The amount to bring varies upon your rough estimation of how much milk your baby can consume on the road. In any case, you should bring the entire can to be sure that you do not run out of supply and your baby might go hungry.

2. Diapers and wipes – What goes in must come out. As long as your baby drinks milk, it will continue to pee and poop. Unlike adults, babies cannot hold their pee or poop. They simply go. Fortunately, gone are the days when cloth diapers that soak are the only ones available. However, there is still a need to continuously change the baby’s diapers since you do not want your baby soaked in its own pee or poop right?

3. Baby clothes and bibs – While adults may go on for over a day without changing clothes. That is simply not advisable with babies who have sensitive skin. They also need to be changed when they accidentally get spilled with milk.

4. Baby sling – It is tiring to simply carry your baby at all times. If you do so, you will hardly feel your arms at the end of the day. Having a sling to hold your baby will help distribute your baby’s weight as you carry him.

5. Baby bottles and pacifiers and portable sterilizing equipment – You can’t simply let your baby use just one bottle and pacifier during the duration of your travel. It would be very unsanitary and unhealthy for your baby. If possible, always sterilize the things your baby put’s in his mouth.

6. Toiletries such as baby wash and shampoo – Even while travelling your baby needs to have a proper bath, especially since he gets to be exposed to foreign dust that he may not be used to at all.

7. Diaper rash cream and sunscreen and emergency medicines – While you are on your travel your baby may still get exposed to the harmful rays of the sun which is not good for the baby so having a sunscreen for baby is really advisable. Furthermore, diapers may cause diaper rash no matter where you go so have a diaper rash cream at hand during diaper changes. Having medicines at hand is also necessary while travelling.

8. Baby toys and baby blanket – The baby need’s his security object to make him feel at home and safe during the travel.

9. Changing pad and plastic bags for garbage – Your baby might need a change in diapers while you are on the road. You can’t just let your baby lie down on any surface to change diapers. Bringing a changing pad is necessary. You also have to bring a garbage bag to dispose of used diapers.

10. Breast pump – A manually-operated pump will do. Breastfeeding is still the best for babies after all.
All these are essential needs of your baby. Travelling is not an excuse to compromise the care for your baby. Packing light may be applicable for adults but certainly not for babies.

Do you know any more things to bring when travelling with a baby?

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Health Insurance relates to getting insured by paying a premium based on the age of the person, state of present health status and value of the sum assured. If one suffers a disease during the assured period and requires hospitalization for treatment of the ailment, the Insurance Company undertakes to offer cash less service for getting the person treated at approved Hospitals or Nursing Homes fulfilling the conditions of the Insurance Company to hospitalize the person and offer to the required treatment.

Depending on the terms of the Policy the benefits are available to the person, when ever the event of disease takes place. The admitting Hospital offers cash less treatment and completes all the documentation. The Policy document issued by the Insurance Company also mentions certain diseases, which are excluded from the treatment or charges additional premium to cover them. If the person is already suffering from a disease the pre-existing disease is also excluded.

Health Insurance can be taken individually or it is also provided in a group by the employer under welfare schemes of the organization. Health insurance offers protection from unexpected expenses of hospitalization in case of event of suffering from a disease.

Health Insurance policy is contract between Insurance Company and the person taking the Insurance policy. The contract requires renewal at an annual or monthly interval as specified in the policy. At the time of receiving the premium amount a Health Insurance Cover Note is issued, followed by a regular Policy mentioning all the terms and bindings on the Insurance Company. Following is some of standard terminology used in health insurance policy.

• Premium: It is the amount, which the policy-holder or his employer pays to the Insurance Company to provide the benefits to the beneficiary covered under Health Travel Insurance Options.
• Deductible: It is the amount, which the insured person spends on his treatment from his pocket. This is the amount which the insured person has agreed to incur per year after, which the insurance company pays all other treatment expenses as per the terms of the policy.
• Copayment: Is an amount, which the insured person pays to the doctor for his examination, based on which the doctor writes the prescription. The Insurance Company pays for the treatment cost only.
• Coinsurance: Here the insured undertakes to bear a fixed percentage of treatment cost, whereas the balance amount is paid by the insurance company. In case there is upper limit ceiling of coinsurance, the beneficiary gets the benefit up to ceiling amount. Rest of the treatment expenses are again to be borne by the beneficiary.
• Exclusions: All the disease are not covered in the policy document some of them are excluded. If the beneficiary has to get the treatment of excluded diseases, he has to do at his own cost.
• Coverage limits: Few health insurance policies are liable only to pay for health care with a stipulation of certain amount at the maximum. The insured beneficiary is required to pay for additional treatment cost.

Out-of-pocket maximums: There is a maximum amount out of pocket expenses after this all the treatment costs are borne by the Insurance Company.

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The travel now days is considered safe because of lesser number of accidents taking place, because of modernization and automation of equipments and better telecommunication systems by use by the organizations involved in traveling  field to increase their efficiency and observing scientific safety standards.

But an accident is an accident, earlier perhaps loss per accident was low, which has now increased manifol, because now a days long travel is done by air and one air mishap can put the loss figure very high because more number of people traveling in jumbo jets.

While traveling by Air, it is normal to take a travel insurance, the insurance premiums are low, because the incidents of Air Accident is very low considering the air flights take off or a flight landing every five minutes from a busy airport at their peak hours.

Travel insurance is a risk cover, which is intended to cover medical expenses and making good of a financial loss, which takes place in between your resuming the journey and in continuance till you reach back home. It can be like money invested in nonrefundable pre-payments and other losses suffered during travel, either in country of origin or international places enroute of journey.

Temporary travel insurance is usually obtained at the time of making reservations for travel journey covering the entire travel places, involving various modes of transports and duration. If one is a frequent traveler, one can take open travel insurance for a specific period ranging to few months or full year directly from the insurance company.

There are a number of category of travelers each having a specific need of  Travel insurance, hence there are different plans to fit the need and pocket of the traveler. The plans are for Student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel. Thus all respective travel risks can be covered by an insurance plan.

The routine risks, which are covered by travel insurance, are as below:

• Medical expenditures.
• Emergency need to come back /repatriation
• Cancellation of travel/interruption in travel.
• Death of the insured person as a result of an accident, sustained injuries or getting disabled as a result of an accident.
• Overseas funeral expenses
• Delay in departure affecting connected tour.
• Damage to personal articles, loss of luggage and cash.
• Personal liability and rental car damage excess

Few travel policies have provision of covering extra incurred expenditure.  There are lot of variations from one company to other in such respects.

Besides the basic travel insurance plan additional cover can be obtained in respect of following:

• Suffering from chronic diseases like asthma, diabetes etc.
• Adventurism sports having more risk involvement like skiing, scuba-diving etc.
• For traveling in high risk countries having risk of exposure to war or naturally occuring disaster zones or places having rampant terrorism.

Generally following are the exclusions not covered in Travel Insurance Plans:

• pre-existing disease.
• war like conditions or terrorism.
• If injury or illness is caused under influence of alcohol or drugs.

The cost of Common travel insurance plan having coverage for whole period of journey usually is within the range of 5-7% of total cost of travel package.

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The state of New Jersey reflects America’s past, present and future. A trip to the state lets you explore the history of New Jersey Garden State, the beautiful beaches and the various events like cranberry festival. Ocean City, Atlantic City and Jersey Shore are some of the places of tourist’s interest in the state. The holidays plan to New Jersey is definitely an unforgettable experience.

The visit to a winery or a camping experience or even the amazing salt water taffy at the Jersey Shore makes your trip worth visiting. The beautiful Pine Barrens and the events offered by it are some of the great aspects of tourism here. The Garden State is full with choices you have for hotels. The Victorian Inns or the beachfront hotel, the accommodation suits every pocket. The bed and breakfast accommodation lets you get a closer look in to the rich culture of the state, not to forget its affordability.

There is a wide selection of cheap hotels at New Jersey; the discounted lodging lets you save a good amount of money at hotels in Trenton and Princeton state. The cabin rental is yet another option for an affordable accommodation. A chain of New Jersey lodging offers options for those looking for budget services. Places like Appalachian Trail and Mountain Creek Village Ski Resort can also be tried.

The major carriers such as, American airlines, Delta, Continental, Northwest, US Airways and the Jet Blue handle flights to New Jersey. The last minute airfare offers a decent rate to travel through cheap flights. Days like Friday and holidays should be avoided if you are a budget traveler. Summer being the peak season, so traveling during summers can be a bit costly. Layover options are also available for all those who are looking for affordable air tickets to New Jersey.

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