Muhabirizbiz Rotating Header Image

India

Traveling Tips for Women Travelers in India

Traveling Tips For Women Travelers in India

India, a nation of unity in diversity, has myriad of rich history, culture, heritage, religions, traditions, cuisines and people. It is a magical domain and most people fall in love with this country as soon as they come here. Even after the modern influence of western countries, India still remains, somewhat, a conservative country. Some western habits are perceived as inappropriate and degrading if practiced by women here. Some travel tips for women travelers in India would make their trip more exciting and easy. Because of the social conservatism, it’s important that women travelers educate themselves to India’s social mores and culture to best prepare for a safe journey.

Women travelers in India should be extremely particular about their clothing, safety, packing , monetary matters, language and shopping. These tips will prove beneficial making your journey a lifetime experience. With regards to clothing tips for women travelers in India avoid wearing too revealing dresses. Low cut, tight-fitting shirts, tank tops, skirts that fall above the knees, shorts and bikinis are highly discouraged. While swimsuits can be worn in beach resort areas such as Goa, consider wearing a conservative one-piece and covering yourself with a sarong and t-shirt when you’re not sunbathing or when you are interacting with locals. Short sleeve cotton shirts can be worn in warmer climates but they should be loose fitting and not revealing. Observe the locals and dress a bit more conservatively than the most liberally dressed woman. You can incorporate some of the local dress into your outfits by shopping once you arrive in-country. Purchase a locally made blouse or delicate scarf or shawl to wear over your Western-style clothes.

Safety tips for women travelers in India should be of the prime concern. You should be alert of the opportunistic thieves. Your personal safety and the potential theft of your belongings should be taken care of. To prevent sexual harassment, keep your arms folded in front of you in large crowds and on public transportation. It’s best not to initiate conversations that could be construed as flirtatious or personal and sidestep answering personal questions about yourself. If you’re traveling alone or with a female friend, invent a husband and make it clear that you are not interested in anyone else. Avoid situations where you may find yourself alone with a man. When traveling on public transportation, lock your bags together with a cable lock and then to a stationary object such as a bench or immovable seat.

The lighter the bag, the lesser you sag ! Nothing new to say here except ‘Travel Light’. Yet, in your enthusiasm to have a weightless bag, do not throw out the essentials. Inclusion of sun screen lotion, sun glasses, umbrella, brimmed hats is important to guard you against sun tan. Also include eye patches, camera, water bottle, first aid kit. Pack your bag according to the region and climate you are traveling in. Your day bag may contain the essentials (camera, book, lip balm, tissues, pen, journal, light snack). A bag made of slash-proof material and strap is ideal.

While traveling, you should be sure that you are carrying your money safely. Though there are no such risks of people snatching your money, it is always better to be safe than sorry. Pouches that can be fastened with an attached belt to your waist and can also be worn under clothing are best. This is the most popular and safest way to carry money safely. Your money and other valuable documents like ATM cards, passports and credit cards also in the pouch should be kept hidden from others. Keep some loose change in your pockets for giving to beggars who might mob you. Do not flash rolls of currency notes in front of them. You can also lose the purse and carry a variety of currency options in at least two locations on your body.

With regards to lingua franca, for most parts of India you won’t really need to mug up any local lingo. Yet, if sometime you get stuck, Hindi should help you get going. It is spoken in fair parts of north India and understood in the west too. Down south is the domain of the Dravidian languages. It’s either English or a regional language that will do the trick. So, pick up some words in both Hindi and regional language and get going.

The shopping enthusiast women cannot resist the temptation of picking up the Indian expertises. The the Indian bazaars – a place that puts your temptation resistance skills at test, are stuffed with bright and beautiful things – handicrafts, silks, ethnic jewelry, curios and what have you. You can shop till you drop. But you should try to strike the best deal so do not hesitate to bargain. Be ready to pay additional customs and handling charges.

No place round the globe is that safe for women traveler but keeping these tips in mind, your trip to India will at least be unscathed and secure. Wear your smile and stick tight to your sense of humor with presence of mind. It will definitely help you through the multitudinous complexities that make up a trip to this fascinating region.

Manjari Singh is an eminent travel writer, she have authored websites like :

www.travellinginindia.com

Outsourcing Insurance Services to India

With the ever increasing mergers, failures, competitions and consolidations, the insurance industry is facing tremendous pressure. If you want your insurance organization to gain a competitive edge, consider Outsourcing Insurance Services to India. Outsourcing insurance services to India can enable your organization to increase its efficiency and growth and also meet all the requirements of your valuable customers. India claim administration service providers can help your organization reach greater heights through increased proficiency.

India, a pioneer in providing outsourcing services across a wide range of industries has years of experience and expertise in providing quality insurance policy services, insurance services, annuity insurance services and claim administration services amongst others. Organizations in the U.S and U.K who have outsourced insurance services to India have been able to concentrate more on their core business functions while getting access to quality insurance services.

Outsource insurance services to India and benefit from expert services, organized process, quality control processes, customized services, experienced workforce and domain expertise. Outsourcing Annuity Insurance Services to India can also help your organization benefit from faster time-to-market and lower operating costs. If you are looking for professional claim administrative services, outsource to India and get access to reliable insurance services.

India Offers End-to-End Insurance Services

India offers varied insurance solutions dealing with health, property, life, annuities, reinsurance and property and casualty amongst others. In case you want a customized insurance service, you can approach your partner in India who will provide you with tailor-made solutions designed to suit your insurance service requirements. The following is a list of insurance services that can be outsourced to India:

1. Insurance Claims Services

You can outsource a wide range of insurance claims services such as loss runs, imaging, death claims, data analysis, recovery, subrogation, claims estimation, claims assignment, imaging and matured endowments amongst others. Outsource insurance services to India and benefit from accurate services.

2. Insurance Agency Management Services

India has expertise in offering agency management services such as, data exchange, representative finder, proposal generation, licensing, commission accounting, resource management, compensation and commissions amongst others.

3. Insurance Policy Administration Services

Outsource insurance policy administration services to India and get access to proficient services such as, billing, alpha inquiry, cash control, correspondence, policy changes, online enrollment, cancellations, new product introductions and case manager tools amongst others.

4. Insurance Compliance Services

India can offer insurance compliance services, such as, DMV reporting, checkfree IRS, checkfree 1099, STAT reporting to state agencies and GAAP reporting to state agencies.

5. Insurance Disbursement System Services

India has the expertise to offer disbursement systems services such as cash disbursement system, structured settlements and payments amongst others.

6. General Insurance Services

India offers a host of general insurance services such as policy conversion, imaging, workflow, document management, GL accounting, GL suspense, web channel integration, legacy system rationalization, componentization, straight through processing, architecture standardization and policy conversion amongst others.

7. Insurance Marketing/Sales Services

Outsource insurance marketing and sales services to India and get access to data warehousing, data marts, lead tracking systems, sales channel management and sales force automation amongst others.

8. Other Insurance Services That Can Be Outsourced to India

• Life insurance outsourcing solutions

• Offshore annuity insurance services

• Property and casualty insurance services

Outsource insurance services to India and give your organization a competitive advantage.

Outsource2india provides Outsourcing Services and Solutions, Financial Services, Insurance Services, Business and Knowledge Process Outsourcing, Bookkeeping Service, Tax Preparation Service, Financial Analysis, Data Management services, Call Center Services, Healthcare Services, Engineering Services, Software Services, Digital Image Editing Services, Research & Analysis Services, Creative Services, Web Analytics Services, etc.

Incoming search terms:

  • header
  • outsource document management india

Emerging Rural Insurance Market in India

India is fast emerging on the world map as a strong economy and a global power. The country is going through a phase of rapid development and growth. All the vital industries and sectors of the country are registering growth and thus, luring foreign investors. And insurance sector is one of them. To throw light on the Indian insurance sector, “Emerging Rural Insurance Market in India” that gives an extensive research and in-depth analysis of the insurance sector in India. This report helps clients to analyze the leading-edge opportunities critical to the success of the insurance industry in India. Based on this analysis, the report gives a future forecast of the market that is intended as a rough guide to the direction in which the market is likely to move.

Market AnalysisWith a huge population and large untapped market, insurance happens to be a big opportunity in India. The insurance business (measured in the context of first year premium) grew by 47.93% in 2005-06, surpassing the growth of 32.49% achieved in 2004-05. However, insurance penetration in the country continues to be low.

Insurance penetration or premium volume as a share of a country’s GDP for the year 2005 stood at 2.53% for life insurance and 0.62% for non-life insurance. The level of penetration tends to rise as income increases, particularly in life insurance. India, with its huge middle class households, has exhibited potential for the insurance industry. This has made international players to look at the Indian market. Moreover, saturation of markets in many developed economies has made the Indian market all the more attractive for global insurance majors.

Key Findings

The total life insurance premiums market in India could grow from Rs 16,8600 Crore (Nearly US$ 42.85 Billion, Rs 1 = US$ 0.0254146) in 2006-07 to Rs 1,230,000 Crore (Nearly US$ 312.6 Billion, Rs 1 = US$ 0.0254146) by 2010-11.The total non-life insurance premium is expected to increase at a CAGR of nearly 24.7% for the period spanning from 2007-08 to 2010-11.With the entry of several low cost airlines along with fleet expansions by existing ones and increasing corporate aircraft ownership, the Indian aviation insurance market is all set to boom in a big way in coming few years.The home insurance segment is set to achieve a 100% growth as latest inclusion by financial institutions have made home insurance obligatory for housing loans approval. Health insurance is poised to become the second largest business for non-life insurers in the next three years after motor insurance.A booming life insurance market has propelled the Indian life insurance agents into the top 10 country list in terms of membership to the Million Dollar Round Table (MDRT) — an exclusive club for the highest performing life insurance agents.Key Issues and Facts

Where does India stands in the context of emerging countries?What are key reasons behind attractiveness of Indian insurance market?What are growing insurance segments in India? What are various opportunity areas in the market? What is the status of Microinsurance in India?What are the various avenues for the growth of Microinsurance in India?What are the various challenges faced by the Microinsurance sector?What initiatives the government is taking to promote the Indian insurance market? Who are the major players engaged in providing Microinsurance in the country?Key PlayersThe major players discussed in the report are Life Insurance Corporation of India, Bajaj Allianz, ICICI Prudential, HDFC Standard, and SBI Life under life insurance segments and New India, National Insurance, Oriental, United India, and ICICI Lombard under non-life insurance segments.

Research Methodology Used

Information SourcesInformation has been sourced from books, newspapers, trade journals, and white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to more than 3000 paid databases.

Analysis MethodsThe analysis methods include ratio analysis, historical trend analysis, and linear regression analysis using software tools, judgmental forecasting and cause and effect analysis.

For further information kindly visit: http://www.bharatbook.com/detail.asp?id=71289

Contact Us:Bharat Book Bureau,207, Hermes Atrium,CBD Belapur, Navi Mumbai – 400614email: info@bharatbook.comWebsite: http://www.bharatbook.com/Tel: +91 22 27578668/ 27579438Fax: +91 2227579131

About Bharatbook.com:

Bharat Book Bureau facilitates companies to take the lead of their industry with best practice business strategies and intelligence, through a unique combination of published reports, databases, country reports, company profiles and customized research services. Bharat Book Bureau provides strategic information tools to the executives, business analysts, and knowledge managers that will help them to probe into and support critical, timely business decisions and strategies.

India Art Summit 2008 – India’s Modern and Contemporary Art Fair

Today, Indian art is greatly appreciated both internationally and within the country, annually growing at 30-35%. The current Rs.1500 crore art market has grown by nearly 485% in the last decade making it the fourth most buoyant art market in the world. Indian art has burgeoned into a mega-business at home and worldwide, with artworks fetching unbelievable prices, ranging from a few lacs to crores of rupees. The total auction market size of Indian art has changed from $5 million in 2003 — just five years back — to nearly $150 million this year. In the European circuit, Indian art is today commanding a value which is 300-400 % higher than what it was 4-5 years ago. Famous Indian artists like Tyeb Mehta’s work fetched a record of $1.58 million at a Christies’ auction in New York and F.N.Souza’s artwork was sold for $1.36 million at Sotheby’s auction in New York, breaking new price records in sales and auctions the world over. The overwhelming appreciation of Indian art is coupled with the ever increasing spending power of the high net worth individuals in India. According to the latest study by CapGemini – Merrill Lynch, India has the second-fastest growing HNI population in the world, growing at 20.25% p.a. The interest of this burgeoning HNI population of India as well as international players has led to the emergence of a full fledged industry around the arts, giving birth to a range of support businesses and huge investment opportunities. Today, for the first time in Indian art history, there is a Summit that pledges towards the development and business of art, bringing together all stakeholders to a common platform – India Art Summit™ 2008.

India Art Summit™ is a unique effort to bring together the Indian art community at a collaborative platform – the first of its kind. This has emerged as the first international fair of modern and contemporary art in India. The Summit recognizes the range of stakeholders supporting the business and development of art and invites participation from both India and overseas. The three day summit will attract leading artists, galleries, art funds & auction houses along with reputed commentators and art critics from across the world. India Art Summit™ is a pioneering initiative to help internationalize, organize, upgrade and regularize the art market in India by providing a common platform to engage and network with artists, art lovers, collectors & other industry associates. We believe that this platform will fortify lasting partnerships between the Indian artists’ community, art support businesses and the ever growing investor base in the country. Founded as an annual event property hosted in Delhi in year one, the Summit endeavors to enhance the cultural profile of a city that aspires to become a major centre for the global art market.Hopefully this Summit will pave the way for greater knowledge and access to Indian modern and contemporary art.

 

Neha Kirpal, Associate Summit Director, India Art Summit 2008

Introduction Of Health Insurance In India – Mediclaim Policy In India – Health Insurance Coverage – Health Insurance Company In India

Introduction of health insurance in india

 

In mid 80’s most of the  hospitals in India were government owned and treatment was free of cost. With the advent of Private Medical Care the  need for Health Insurance  was felt and various Insurance Companies  (New India Assurance, National Insurance Company, Oriental Insurance & United Insurance Company) introduced Mediclaim Insurance as a product.According to recent news report Health insurance continues to be the fastest growing segment with annual growth rate of 55%. Health Premium has risen to Rs. 3300 crores in 2006-2007. As per the recent reports from various agencies the Health sector has the potential to become a Rs. 25000-crore industry by 2010.On August 15, 2007 Prime Minister has announced Rs 2000 Crores for Health Insurance for poor citizens. We foresee that this amount will be partly in form of subsidy therefore during calendar year 2008 we can expect  Health Insurance premium to touch figure in the range of Rs 10,000 Crores.

 

In 2001 with entry of various private Insurance companies now the customers have choice of buying this insurance from 14 Insurance companies.The Companies, which offer  Health or Mediclaim Insurance, are;                          Apollo DKV Insurance Company Limited.Bajaj Allianz General Insurance Company LimitedCholamandalam MS General Insurance Company LimitedFuture Generali India Insurance Company LimitedHDFC General Insurance Company Ltd.ICICI Lombard General Insurance Limited.IFFCO Tokio General Insurance Company LimitedNational Insurance Company LimitedNew India Assurance Company LimitedOriental Insurance Company LimitedReliance General Insurance Company LimitedRoyal Sundram Alliance Insurance Company LimitedStar health and Allied Insurance Company LimitedTATA AIG General Insurance Company Limited. (Overseas Health Insurance only)United India Insurance Company LimitedUniversal Sompo General Insurance Company LimitedIndia is the only country  where hospitalization insurance policy  was being sold as  Mediclaim Insurance Policies. The very name gives a feeling to the insured that claim has to be lodged. If motor insurance policy is not sold as motor insurance claim policy and household insurance policy is not sold as household claim policy then why this be named as Mediclaim?Health Insurance and Mediclaim are two different names for the same product. The change has started  coming and now we have started calling it Health Insurance. ICICI Lombard has even named it as Health Insurance Policy.Calling is as Health Insurance is a positive way of looking at this Insurance. It also giving  us a feeling that we as a society have started moving from curative medical care to preventive medical care.

Suresh K Sethi is Chief Executive Officer of RIA Insurance Brokers Pvt. Ltd.; anIRDA approved insurance brokerage firm, headquartered in New Delhi with branches at various locations in India. He is of the firm opinion that Health (Mediclaim) Insurance is the important segment of Indian insurance industry. It is expected grow at the rate of 200 to 225% per annum in the years to come. It will emerge as one of the important segment of non life insurance Industry. This book is written for all those who are not having insurance background but wish to buy Health Insurance cover for themselves or for their family or for the organization for whom they work.Suresh is also Vice President Director of Insurance Brokers Association of India,the only association of all IRDA licensed insurance brokerage firms operating in India. As a member of Insurance Committee of FICCI as well as PHD Chamber of Commerce & Industry he has made value addition towards use of technology in Insurance.