Travelling Tips for the Disabled

Everyone craves for vacations to enjoy some quality time with their loved ones and Indians are no exception. The outbound travel sector of India saw a robust growth this year because international travel destinations are highly sought-after among Indians in 2015. Obstacles like inflation, skyrocketing ticket price and depreciation of rupee couldn’t deter the wandering spirit of Indian travelers to travel around the world. Over 60% of Indians remain unmoved by the depreciating rupee and are raring to go to travel. However, the rate of availing travel insurance to safeguard the trip is still dismal among Indian travelers.

Young generations prefer to travel to international destinations once a year at least. According to a survey, 90% of these travelers make use of their own savings for overseas trips and don’t consider travel cover. Quite surprisingly, this is the mindset of young internet savvy generation as ICICI Lombard conducted the survey in the age group of 25-35 among 1049 people across six metro cities in India who had international trips in the previous year.

The survey further reveals that Singapore is the most preferred travel destination among young Indian travelers; the second and third places are held by US and UK.

Let’s take a look at the travel plans available and their prices for those who favor these destinations. Let’s start with Singapore.

Travel insurance plans available for Singapore trips

The following list of top 5 policy quotes in terms of lowest premium are for one 30 years old person looking for a single trip to Singapore. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 942
HDFC Ergo – Premium of Rs. 1015
Reliance – Premium of Rs. 1129
TATA AIG – Premium of Rs. 1234
Religare – Premium of Rs.1666
The lowest premium is Rs. 942 for a travel insurance plan for a 10 days trip to any Asian country such as Singapore, Thailand. This means one has to pay less than Rs. 100 per day to make his trip safe and secured. Indian travelers must know that travel plans are not only inexpensive but they also provide coverage for loss of baggage, passport, hijack and even emergency treatment.

Travel Insurance plans available for UK trips

The following list of top 5 policy quotes in terms of lowest premium are for 1 person looking for a single trip to UK. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 942
Bajaj Allianz – Premium of Rs.991
HDFC Ergo – Premium of Rs. 1015
Reliance – Premium of Rs. 1129
Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1139
Universal Sompo provides the lowest premium. The premium of travel insurance plan is also Rs. 942 for a 10 days trip To UK.

Travel insurance policies for US trips

The following list of top 7 policy quotes in terms of lowest premium are for 1 person looking for a single trip to US. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 1344
HDFC Ergo – Premium of Rs. 1438
Bajaj Allianz – Premium of Rs.1441
IFFCO-TOKIO – Premium of Rs.1456
Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1658
TATA AIG – Premium of Rs. 1694
Reliance – Premium of Rs. 1783
The lowest premium is Rs. 1344 for a travel insurance plan for a 10 days trip to US. Just imagine, you are getting all types of risks covered just by paying less than Rs. 140 for each day of your trip.

Best travel insurance plans in India in terms of baggage and medical coverage

The survey also made clear that 79% people buy travel plan to cover medical emergencies. Safety of baggage is the second most vital reason as 60% people behind purchasing travel insurance policy. So let’s find out best travel insurance plans in terms of medical emergency and luggage safety.

From the above list of travel policies for US, two plans by Reliance and Bajaj Allianz look best in terms of baggage cover.

Reliance Travel care platinum provides US$1500 for the loss of checked baggage for a premium of Rs.1783.

The Travel Elite Premium plan by Bajaj Allianz provides US$ 1000 for a premium of Rs. 1658 for the loss of checked baggage.

To get the best coverage for medical emergencies, the Titanium plan by HDFC ERGO is the best. It primarily covers:

Emergency Medical Expenses
Permanent Disablement/accidental death
Hospital Cash
Loss of Personal Documents
Accidental Death
Loss of Baggage
Financial Emergency Assistance
Personal Liability
What is the cost of international travel policy for a couple?

According to the survey, 52% of travelers prefer to have trips with spouses. So, if these people can avail a travel plan for visiting US or UK or Singapore, how much do they have to pay?

Let’s start with US trip for 10 days for a sum insured of US$ 100000 covering 2 people who are 30 and 28 years old.

Religare offers the best plan which comes at a premium of Rs. 2407.

If you compare travel plans available for couples who wish to visit UK, keeping the same criteria for trip duration, sum insured and age of the traveler, Religare provides the best plan. The premium of the plan is Rs. 1537.

For a trip in countries like Singapore, Thailand within Asia which has been the top travel destination of 2015, a couple has to spend even less for a travel insurance policy. If you compare travel insurance plans that cover Asia, you will get the lowest premium of Rs. 1218 from Explore Asia plan provided by Religare.

The positive part of the survey is the increased awareness among Indian travelers. More than 90% of young generation is aware of the travel insurance which is a significant rise from last year’s 80%. One of the major provider of travel insurance plans in India; ICICI Lombard underwritten a total travel insurance premium of Rs 100 previous year, one can expect the premium to increase by 5-10% in this year. The problem is not with the awareness; it is the lack of understanding about the benefits associated with these travel covers.

27% of the total respondents in the survey choose not to avail a travel insurance plan simply because they were under the wrong conception that such plans cover only accidents, loss of baggage and theft but don’t provide medical coverage. This is far from being the truth as the complete break-up of Titanium plan by HDFC ERGO shows extensive coverage for medical emergencies.

25% surveyed people didn’t buy any travel plan because they thought such plans are costly but it is not so. The price of all plans for person mentioned here are about less than Rs. 100 to less than Rs. 140 for each day of a 10 days trip. Travel insurance policies for couples are even cheaper as they cost in the range of less than Rs. 65 per day per person to less than Rs. 125 per day per person for destinations like US, UK and all countries in Asia including popular destinations like Singapore, Thailand.

Indians love to spend their holidays in international destinations. An international travel insurance plan doesn’t cost much and offers a lot in return. If you are also a travel freak, you should insure the total duration of the trip so that you can enjoy your holiday with complete peace of mind.

DIY Home Improvement Idea #1

Install handmade shelves. Rather than purchasing typical cookie-cutter shelves, consider visiting a local craft fair or woodworker for customized shelves. Everything from style, color, design and cutouts can be customized with handmade items. Shelves are ideal for storing tools in the garage or knick-knacks in the family room.

DIY Home Improvement Idea #2

Replace vinyl flooring or install new tiles. These days, convenience is everything. It’s easier than ever to replace vinyl flooring or install tiles with simple self-adhesive backing for easy placement. This will literally give you a new floor surface within a few hours.

DIY Home Improvement Idea #3

Install carpet. Before making a purchase, be sure to measure the area that you need to carpet. If you need to cut carpet, it’s not a problem and special cutting tools can be purchased at any home improvement store. Simply roll it out and secure it to the floor for an easy DIY home improvement project.

DIY Home Improvement Idea #4

Install a ceiling fan. Not only will this add beauty to the room, but it will also help to circulate the air. Just be careful during the installation process and when climbing up or down a ladder.

DIY Home Improvement Idea #5

If you are a big fan of wallpaper, then you already know that it can start to peel from time to time. It’s inevitable. At some point, wallpaper will need replacing and it’s arguably one of the easiest home improvement projects that you can do. Wallpaper is sold at any home improvement store and can be cut to fit any room in your home. During installation, be sure to smooth the paper as you go in order to avoid bubbled areas.

DIY Home Improvement Idea #6

If you like the idea of sitting out on the porch or deck and watching fireflies light up in the night, consider adding an outside addition to your home. Plans can be purchased online or at some home improvement stores, along with the materials needed to complete the job.

DIY Home Improvement Idea #7

Painting your home, either inside or out, is a very popular way of improving it’s overall appearance. Always be sure to read the instructions and use paint in a well-ventilated area.

DIY Home Improvement Idea #8

One of the more sensible DIY home improvement projects includes the installation of a dusk to dawn lighting system outside of the home. This type of lighting will automatically turn on if there is any movement outside of your home and is ideal for anyone, whether you live out in the country or in a larger area.

DIY Home Improvement Idea #9

As winter time rolls around, many people begin to consider replacing their windows to ensure that they are protected from the elements. Many people think of windows as simply something to look through but, in fact, they are much more than that. Windows can actually help to keep warm air inside your home and the cold air out during those harsh winter months, which will make it more comfortable for your family and also your wallet where heating costs are concerned.

DIY Home Improvement Idea #10

Install wall paneling. If you don’t like the idea of painting or simply prefer the look of paneling, a visit to your local home improvement store could be the answer to your next DIY home improvement project. Wall paneling is sold in sheets, is pre-cut and ready for installation. All you need to do is place it in the desired location and secure it.

So you’re new on board and have landed yourself a plum manager job, one of several general manager jobs that your company had vacancies for, but you don’t know what to do and how to go about things. You have all the theoretical knowledge and know how about being a manager, but practically, the situation is quite different and you don’t know what to do.Well, my friend, this is the situation faced by every new manager, whether you’ve taken on sales manager jobs, project manager jobs or operation manger jobs or even, the aforementioned general manager jobs! It’s nothing new, every manager has to go through it and you will too! But, to help you out, here are a few myths about being a manager unraveled for you!Management Myths• A mistake which every new manager makes is that he believes that he can frame and implement new policies of his own free will. But, that’s a myth and you need to bust it! A new manager throwing his weight around will just earn resentment from his subordinates. Did you ever consider the fact that your new policies could annoy or even offend various departments? You should at best make suggestions to the top management and implement your policies through them!• You do not have absolute authority as a new manager! Yes, that’s true; the myth about having power or being “the boss” is just that, a myth. You need to earn respect from your peers and from your direct subordinates and obviously your own boss. That is a measure of your success in manager jobs.• Control is one hell of a word. It isn’t really easy to control your direct reports because, though you might be in a position superior to theirs, their knowledge and experience far outweigh yours. Plus, your direct reports will, more often than not, have the best interests of your company at heart, so try not to overrule them too often.• Your opinion is supreme. That is a myth you really need to bust! Managers are employees who help to keep things running smoothly. You should only repeat processes if they give you fruitful results and find favor with everyone on the team. Not because they are profitable for the company or you! Being a manager always means that you have to pay special attention to the human aspect of things.• Coordinating team work – A great manager is one who can smoothly and effectively run a team. It is quite easy to extract the best performance from your subordinates. They are most talented anyway! But, everyone knows that a team performs better than a single individual and you will only be successful as a manger if you can make sure that your team of performers is well coordinated!Manager jobs aren’t too many in a company, this is because it takes special talent to be a manager and run things. But, attached to the management jobs are a few myths and as a new age manager you have to bust them!