Review on the new look mouthshut.com

News and Reviews : Running a user driven website today viz. MouthShut.com is like running and participating in a nascent Democracy. No way, every one will be happy. I guess that is the summary of customer feedback for MS.

The challenge for MS type of sites (without having own inventory or products) is content and quality. Unfortunately, you can’t filter and control too much, lest you will lose the appeal. May be that is the case with MS.

Of course, some of Faisal’s team could be biased to promote a particular type of User / Blog / Reviews or bashing, but I guess overall he has done a fine job with his MS initiative.

If I were to recommend changes, I would do the followings:

1. Remove Google Ad’s from Reviews space. It is irritating for readers. There are other ways of making marketing revenue to sustain the business cost.

2. Genuine News and Reviews about People, Product and Places at Mouthshut.com should be rewarded based on Reader Hits and Feedback.

3. My Diary Post should be 100% free for the individual inserts, without any control and censorship from MS Team. Let this also be rated as other reviews. This will build more interaction with MS Members and that will push MS Alexa Ranking.

4. Mouth-Pad approval response is very-very slow. They are taking over 15-20 days to approve a new review. By that time, story and excitement is over. May be the reviewers are not competent to judge or decide quickly.

5. International Appeal - MouthShut.com is run by an NRI but it has very limited international appeal. Not many people know about it in United States where I stay.

6. Look and Feel – MouthShut.com new look is good but still way behind for a site that has Alexa Ranking as high as 3K.

Over all a good site. I would rate MouthShut.com 3.5 on 5 Stars.

Cheers to Faisal and the MouthShut? Team!

Manish Jaiswal
CEO – Bonsai Insurance Brokers
India InsuranceMall? ; USA InsuranceMall

Film Review - Indiana Jones and the Temple of Doom by MKJ

• Film Review: Indiana Jones and the Temple of Doom (1984)• Director: Steven Spielberg • Producer: Robert Watts• Story: George Lucas• Cast: Harrison Ford, Kate Cap Shaw, Amrish Puri, Roshan Seth, Ke Huy Quan• Rating: 4 on 5 StarsNews and Reviews - Read on..

read more | digg story

Clients cheer as insurance gets the Net edge - Economic Times

Economic Times News

MUMBAI: The benefits of de-tariffing in non-life insurance is finally trickling down to individuals. Insurance brokers have started providing aggregations services, offering quotes across a range of insurance companies to retail buyers of property, auto or health insurance. The key difference between a broker and an insurance agent is that unlike an agent, who pushes products for an insurance company, the brokers represent the customer and are expected to get their clients the best deals from across companies.

So far, insurance brokers had been constrained by regulations that required that any person selling insurance be a fully-qualified insurance person. Also, brokers were not allowed to have sub-brokers’ selling insurance. As a result of these restrictions, brokers focused only on high-networth corporate customers. Corporates made the best of de-tariffing by playing up one insurance company against the other.

But now insurance brokers have found out that by leveraging the power of the internet, they can aggregate quotes from across companies and offer the best rates to individuals. Insurance broking firms Optima Risk Management and Bonsai Insurance Broking services have managed to tie up with insurance companies, allowing buyers to purchase cover directly over the internet. Optima offers quotes through its website click2insure.com while Bonsai’s site is http://www.insurancemall.in/.

For the consumer, what this means is s/he can purchase the cheapest health or auto insurance online in the same way s/he compares and buys air tickets online. Another silent revolution that has made this possible is the outsourcing of claims servicing by insurance companies. Both in health as well as motor insurance, companies are offering cashless servicing of claim servicing through tie-up with either third-party administrators or auto dealers.

“Involvement of the branch has gone down drastically. The location of the branch, therefore, does not matter for the customer,” said Optima Risk Management MD Rahul Aggarwal. But the cashless service has not evolved to the extent that policyholders can get service from across service providers. This means that if either the car is repaired at a not-networked workshop or the policyholder is hospitalised outside the TPA network, the documents will have to be forwarded to the policy issuing officer for reimbursement.

According to Mr Aggarwal, after the purchase, the buyer can get the receipt and proof of insurance through email almost immediately. The brokers are also able to extend the benefit of no-claim bonus based on proof of no-claim, either in the form of a renewal notice or through a letter issued by the insurer, who has issued the expiring policy.

Mr Aggarwal anticipates retail business to get much bigger than corporate business. He expects to generate a premium of Rs 500 crore from a 10-lakh customer base in the next three to five years.

With auto and health insurance dominating the non-life market and private life insurance almost doubling every year, international insurers have also started showing interest in retail. Howden India, an affiliate of the UK-based Hyperion group, has shown interest in distributing life insurance products for multiple companies in India.

ET News Link - http://economictimes.indiatimes.com/Personal_Finance/Insurance/Clients_cheer_as_insurance_gets_the_Net_edge/articleshow/3044588.cms

Careers with Bonsai International Group (BIG)

Careers with Bonsai International Group (BIG)
http://www.bonsaiinternational.com/

You have worked with a big company or a small company but now want to work for yourself. However, still not ready to embark on ‘No Salary Entrepreneurship’ due to family or personal commitments.

Well, no problem. Your quandary or hunt is over now. Bonsai International Group, a diversified Financial Services Company into FOREX and Insurance Broking, may be the right career move for you. If you wanted absolute freedom to pursue your business strategies but could not do it due to massive hierarchical structure in your present company, then welcome aboard. Welcome to Bonsai Careers.

We are owners of popular and revolutionary web portals:

1. www.InsuranceMall.in – India’s first Compare and BuyNow Insurance Portal
2. www.BuyNowForex.com – India’s first Online Forex Portal
3. www.NewsandReviews.in – Free blog site for Global Indians

Bonsai International Group, operational in India and America is looking for following star professionals:

Manager – IT Programmer, Mumbai

• Role: Manager - IT Programmer
• Skill-sets: Well versed with Web Technologies - .Net or PHP programming
• Experience: 2-6 Years
• Qualification: Graduate / Engineer
• Posting: Mumbai, INDIA
• Reporting: Director – eBusiness

Manager – Business Development, Mumbai

• Role: Manager – Business Development
• Skill-sets: Well versed with Web with Channel Sales or Corporate Sales
• Experience: 2-6 Years
• Qualification: Graduate / MBA
• Posting: Mumbai, INDIA
• Reporting: Director – Sales

Manager – Finance & Accounts, Mumbai

• Role: Manager – Finance & Accounts
• Skill-sets: Well versed with Finance, Accounts, MIS & Statutory
• Experience: 2-6 Years• Qualification: Graduate / CA or MBA
• Posting: Mumbai, INDIA
• Reporting: Director & CFO

Manager – HR and Administration, Mumbai

• Role: Manager – HR & Administration
• Skill-sets: Well versed with corporate HR Practices, Compensation & Hiring
• Experience: 2-6 Years
• Qualification: Graduate / MBA
• Posting: Mumbai, INDIA
• Reporting: Director

Sr. Executive – Web Designing & Marketing, Mumbai

• Role: Sr. Executive, Web Designing & Marketing
• Skill-sets: Well versed with Web Designing & Web Marketing
• Experience: 1-3 Years
• Qualification: Graduate / Engineer / MBA
• Posting: Mumbai, INDIA
• Reporting: Director – eBusiness

Trainees – Graduate / MBA, Mumbai & Bangalore

• Role: Fresh Graduate / MBA Trainees
• Skill-sets: Self motivated and Performer
• Experience: 0-2 Years
• Qualification: Graduate / Engineer / MBA
• Posting: Mumbai & Bangalore, INDIA
• Reporting: Director – eBusiness / Sales

Bonsai believes in fair base salary but fantastic performance related bonus. We are open to give company ‘Stock-Options’ for deserving and performing employees. Interested candidates may send their Resume to Mr Mahavir Chopra at mahavir@bonsaiinternational.com .

Welcome to new age professionally driven company where ‘Customers come second as You come first’. Welcome to Bonsai Group.

FDI norms in Indian Insurance sector may ease: FM

This is indeed a great news. The Economic Times has quoted today that The Union government will try to win agreement from coalition allies to ease restrictions on foreign investments in insurance, banking and pensions in its final year in office, finance minister Palaniappan Chidambaram said. “Financial sector reform is our unfinished agenda,” Mr Chidambaram said in an interview in Madrid on May 4. “We failed to convince our partners that sectors which are closed or partly closed be opened for domestic private and foreign investors,” he said.


The four communist parties that support Prime Minister Manmohan Singh’s United Progressive Alliance have blocked plans to increase foreign ownership of insurers, now restricted to 26%, and remove a 10% cap on the voting rights of investors in local non-state banks such as HDFC Bank.


India’s pension business is not open to foreign investors. Financial reforms, including development of a corporate bond market, pensions and insurance will spur investment and add as much as 1.5 percentage points to India’s economic growth, according to Lehman Brothers.
Nearly 80% of the country’s 1.1 billion people have no insurance cover and 88% of the workforce doesn’t contribute to pension schemes, according to Lehman Brothers.



India’s $912 billion economy, Asia’s third-largest, has expanded at a record average pace of 8.7% each year since 2003. Singh’s government, which is entering its fifth year in office this month, wants to accelerate the rate of growth to as much as 10% by 2012 to create new jobs and reduce poverty. That will require greater financial muscle in banks to help fund local companies expand capacity and buy assets abroad. The combined assets of all Indian banks are less than the Industrial & Commercial Bank of China, China’s biggest lender.


Singh’s trade and investment panel recommended last month that India, which has over $300 billion of foreign exchange, the world’s sixth largest, must consider using part of the money to create a fund that will help companies buy assets abroad. “The only argument in favour of a sovereign wealth fund is that since we have huge reserves that yield modest returns, you could use part of that reserve to enhance your return,” Chidambaram said. “There are great risks in that strategy — how are you going to manage it? How are you going to be accountable to it? I don’t think it will come through anytime quickly.”


That means India needs more foreign investment to increase the size of its financial services industry. India in 2000 opened up its insurance industry to overseas investment by dismantling the 44-year monopoly of state-owned Life Insurance Corporation of India and its non-life counterparts. Though their stake in Indian insurers is limited, companies including New York Life Insurance and Prudential have entered the market, which has since more than doubled to $22 billion in annual premiums.


Singh’s coalition government hasn’t succeeded in implementing its promise to raise the foreign ownership limit in insurance companies to 49% as the bill does not have majority support in Parliament. Small private Indian banks are strapped for capital and unable to find investors because of the cap on voting rights.



India has been seeking to attract overseas investment to the nation’s 31 non-state lenders, many of which are constrained by capital shortages and limited geographical reach, and need funds to compete with bigger rivals. Foreign banks have cited the cap on voting rights as a disincentive to investment. Private banks typically have about 200 branches and are attractive to overseas banks seeking to tap rising demand for personal loans, mortgages and credit cards. India now allows foreign banks controlling stakes only in private banks deemed to be weak and in need of capital, a rule it will start loosening in 2009.


“If the legislations that underpin financial sector reforms are passed within a year, then that would be satisfying,” Chidambaram said.


The FDI raise to 49% for Insurance Sector means more Players including Insurance Companies, Re-Insurance Companies and Insurance Brokers. India still needs to attract top brands for all the 3 segments as MNC’s not only bring the desire capital but also best global practices. We may have a hope of having India’s first online insurance company soon.


For


InsuranceMall News I Opener (Blog)



Link :http://www.insurancemall.in/I-Opener/post/2008/05/FDI-norms-in-insurance-sector-could-ease-FM.aspx

Manish Jaiswal Blog: International Travel by Senior Citizens – Tips, Insurance and Online

Manish Jaiswal Blog: International Travel by Senior Citizens – Tips, Insurance and Online

Online Insurance in India is welcome - by MKJ

As they say ‘change is inevitable’ or the only this that is constant is ‘change’. Insurance in India fits this adage very well. I remember the times, when we heard new generation of Insurance around 7-8 yrs ago when Indian Parliament had just passed the revolutionary IRDA bill. Indian Insurance world changed since then.

All big MNC names were making rounds to find a suitable bride (Partners) for their Indian Operations. I was lucky to be part of that change and was lucky to meet some of the best minds with their recently appointed County Heads. Then, it was still AIG / Allianz / Tokiyo, Lombard / AMP or Chubb. Things were moving very fast and practically every one was looking at best Indian brand to partner with. Soon, durable partnerships were announced (we see today) with the exception of Chubb and AMP abandoning their Partner HDFC / Sanmar since they chose to exit the great Indian Insurance market.

In those strategic meetings, mostly we discussed new innovative products and effective but profitable channel of distribution. Particularly, for the General Insurance segment, we were facing a daunting task of relevant data, including loss ratios so that a smart insurance product could be built for Indian customers. The old players of this industry i.e. the Govt. of Indian Insurance Companies were reluctant to share the data and very much righty so as the winner in Insurance game is only that who could underwrite the risk well. Other wise, what is the difference between FMCG and Insurance business model?

Well with not much of luck, most of the Insurance companies now with their Indian partner and rechristened names viz. Tata-AIG / Bajaj Allianz / ICICI Lombard / Iffco Tokiyo picked the clues from international markets including re-insurance companies like Swiss-Re / Munich-Re etc. And look at where we stand today. Indian Insurance products are perhaps 30% cheaper than international markets and the best news is that the Insurance companies are well on their profitable / break-even path. This is our genius or I would say smartness of Indian Insurance Underwriters and Business Development guys who managed to achieve critical mass with less loss ratio at an amazing speed.

Why LIC is most famous and aggressive Life Player in India? Because, besides products they have the extensive-most distribution channel any business development or marketing guy could ask for. The Feet on Street (FOS) and branch offices across big and small towns makes Life Insurance Corporation of India (LIC) as giants. Naturally, new players could not afford to put so many new staff on their pay-rolls so; they came out with an innovative strategy of Bankassurance, with terrific success.

In my initial days with Insurance Industry as I came from Financial Services (FOREX and CREDIT CARD) background, every thing was naturally raw and new. But I could see that Insurance has terrific potential to create wealth for Indians besides heralding a revolutionary new business model. The key catch for success in Insurance apart Underwriting is DISTRIBUTION. You may be wondering, why I am sharing this. Well, as we know Change is the only constant in this universe and here are some more changes in the Indian Insurance Industry. This time it is for Online insurance.


The new buzz word is Online Distribution of Insurance today. The credit goes of ICICI Lombard, who were the first player to see Insurance Online when their competition were still hiring more Feet of Street (FOS), spending millions on wasteful advertizing or opening new branches. ICICI Lombard perhaps is the only company in the world that has huge a depth of Online Products ranging from Travel Insurance to Motor Insurance. Bajaj Allianz followed suit and came out with their smart Online Products too. Both these companies, if I am not wrong, are doing over USD 30 million worth of business every year.

Of Course, if we look at the total Indian Insurance Size, which is over USD 30.00 billion, this sounds like a small amount. But mind you, 75% of total Insurance industry in India is Life Insurance where we still don’t have a single Online player.

Looking at the opportunity and need for a neutral player not selling only A or B Insurance company product, Bonsai Insurance Broking launched India’s first Online Compare and BuyNow Insurance Portal in 2007. The concept is like a shopping Mall where a customer could get all types of policies across Insurance companies at his or her pace without any agent chasing them. The Online Brand is InsuranceMall. Being an Insurance Brokers, unlike an Agent, Bonsai works for the customer. The USP of an Insurance Broker is that it negotiates on behalf of its customer with Insurance companies, hence a sort of guarantee of a right product at a right price. Since our foray into On-line business, we have come a long way, servicing over 50,000 customers. Being the only player in the market is very lonely as traditional Insurance Brokers are Off-line Corporate Sales focused.

But today, I am happy to share that we have competition. Competition is important as it creates a demand pull and pressure back to players, be it Insurance Companies or Insurance Brokers or Insurance Agents. To the best of my knowledge, now India has 3 types of Online Insurance intermediaries who are changing the landscape of how Insurance is bought or sold today. They are:

1. Online Insurance Brokers – Neutral. You can Compare and Buy Policies Online
2. Online Insurance Lead Generators – Collects your Info. Sells lead to Insurance Companies
3. Online Insurance Information Companies – Knowledge bank

Of Course, besides these 3 important players, we have Corporate Agents who solicit business for a Life or Non Life Insurance Company. They are Banks, FI or Travel Agents.

For simplicity sake, let me stick to the Online Insurance Intermediaries as they are agent of change for Insurance in coming times. They are the one who would see the maximum growth in penetration and also will be responsible for new products and aggressive marketing campaigns. They are the one who will get VC or Private Equity participation soon. Very soon.

1. Current Online Insurance Brokers in India (approved by IRDA)

Bonsai Insurance Brokers – http://www.insurancemall.in/
A & M Insurance Brokers - http://www.insurancepandit.com/
Insol Insurance Brokers – http://www.clicktocover.com/


2. Current Online Lead Generators in India

Apna Loan Pvt Ltd. – http://www.apnainsurance.com/
Deals 4 Loans Pvt Ltd. – http://www.bimadeals.com/
Peacock Financial Advisors Pvt. Ltd – http://www.getmeinsure.com/

3. Online Insurance Information Company in India

MFL Net Services Pvt. Ltd – http://www.bimaonline.com/

You may have a direct question. Who will win this On-line race amongst Insurance players in India?

I would say winner will be, absolutely the company that has knowledge and expertise of Internet, SEO, SEM and Insurance Domain. We all know, many new-generation companies were before Google in Search Space but what made Google the power-house was its ability to understand Online Psyche which is way different from Off-line business model. The Online customers are in hurry. Their tolerance level is far less than a Brick & Mortar Insurance Agency set-up. Online customers don’t want GYAAN (too much of Info or Processes before buying) but would want the easy and ability to transact. Online Insurance Portals are not Social Networking Sites, where a visitor would spend hours chatting or sharing his / her pictures with his or her friends. It is a financial services site where the customers want the guarantee that their personal information will be protected, their payment is secured and the quotes are accurate to the last penny.

I am more than happy to see new players joining the Online Insurance market now in India which only mean better products, better services and better premium for consumers. The credit accrues to the Regulator IRDA who has this vision to see Insurance Products reaching across length and width of India. Naturally what is better way other than pushing Online! A customer sitting in Patna or Trivandrum or Kashmir or Orissa has now a level playing field in terms of product availability as his security is just a click away.

I am really excited with the future of Insurance in India particularly Online Insurance. I will be thrilled, if soon we hear the news on India’s first Online Insurance Company viz. GEICO.com or Progressive.com of America. Who knows, they may be on their way to India as USD 30.00 billion market is not readily available any where in the world other than China. Perhaps, that will be the epitome of growth of Indian Insurance and we will all welcome it.

Cheers!

Manish K. Jaiswal
CEO – Bonsai Insurance Brokers Pvt. Ltd.
http://www.insurancemall.in/

Link - Online Insurance in India

Movie Review : Harold and Kumar – Escape from Guantanamo Bay (2008)

Film Review : Harold and Kumar, Escape from Guantanamo Bay
Director: Jon Hurwitz
Producer: Hayden Schlossberg
Cast: John Cho, Kal Penn, Roger Bart, Richard Christy
Distributor : New Line Cinema
Rating: 4 on 5 Stars

Harold and Kumar – Escape from Guantanamo Bay, the sequel, is another super hit movie by Kal Penn and John Cho. A non-stop comedy from the beginning till end will make you laugh through-out the movie. It is a satire on Bush War on terror and government’s high-handedness towards non-white Americans.

Director Jon Hurwitz has touched upon every possible concurrent themes i.e. racial discrimination against Asians, profiling of minorities at Airport, over cautious out look by Govt. staff etc. While reading this, you may think that ‘Escape from Guantanamo Bay’ would be a serious political movie but Director Jon has really treated it in a light humor, which you may really enjoy.

A welcome twist in this bindaas (Hindi version of cool), complete non-sense movie is that both Harold and Kumar manages to find their secret or should I say, lost love in this movie.

I am sure, some people will try to compare first Harold & Kumar with this sequel but I must say, that this one is equally good. The cast and the director have managed to live up-to the expectations. Over all, a great fun movie and a must watch for all adults. Yes, no children please. I am happy rate to it 4.0 on 5.00 Stars.

Cheers!

Manish Jaiswal

for

News and Reviews

International Travel by Senior Citizens – Tips, Insurance and Online

You have been working all your life. You don’t regret having spent most of your adult-hood raising children, giving them comfort and education plus providing for food, shelter and security. You have turned 60 now. It is time to take a much deserved break. Right time to go and see the world around. India is beautiful and you may have seen most of it by now, so why not explore foreign countries. If you are thinking in that direction, then I must tell, that you are thinking right. Don’t wait for another 2 or 5 years as this is the time.

You chose a destination as most of them are great. If you are conscious of your budget, then you may want to explore Thailand. I call it the best value for money for all first time travelers. If you have dreamt about Europe, then trust me, you are not alone. Europe is like India, quite vibrant, beautiful and expensive. But, a trip to Europe, covering UK / France / Italy / Switzerland and Spain will be a trip of a life time. If you still feel that you are young at heart and may want to venture far-out distances then Australia and New Zealand is your place to visit. If your family members are calling you for long time and you want to see the most powerful & wealthiest nation on earth, do come home to USA.

As I said, do travel abroad as it will refresh you. It will make you feel good. It is not indulgence or waste of money but every penny worth spent as you deserve this break after long working years. Besides, there are huge learning and exposure when we travel to see different countries, culture or people. So, travelling abroad can never be a bad deal.

Fortunately now India has many travel agents who would do end-to-end work for you related to Air-Tickets / Visas / Insurance and Forex. If you want an escort trip in a group of like minded people (say 20-30 co-travelers), then I am sure SOTC / TCOOK / Raj / Cox and Kings have best plans suiting all budgets. But mind you, a group travel (GIT) could be hectic. However, if you want to have a peaceful vacation then you may want to go just with your family or friends. Choice is yours as even for individual travel also known as FIT you have may deals available at all Travel Shops or through the Internet.

A savvy traveler should do a research on what is good and what is a must before venturing our for a Dream Holiday. Fortunately, Google is one good avatar, which will help you take an informed decision for your next vacation.

Here is my take that you may keep in mind, when you are making an international trip.

Tickets: Ensure, that you have a confirm ticket for all sectors. Don’t leave home, if any of the destinations is showing wait-list. This is a travel season time and chances are that you may not get to board the plain. Which means you will be stranded. Whether you are buying online Tickets or through your travel agent, ensure you have a valid ticket.

Hotels: Market is competitive, hence both online or offline agent of yours will give your throw-away prices on your hotel stay. Well, on the face of it, that would be great, but ensure that you are staying at the city center, even that means 10-25 dollars extra. Hotels in the heart of the city (close to all tourist attractions) are expensive but they are worth extra dollars. You would not want to spend over 50 dollar daily on travelling just because your travel agent sold you a cheap hotel at the outskirts. What ever your agent says, avoid staying in less than 3 Star Hotel any where during your trip! 4 or 5 Star is just waste of money, unless your company is paying for. This thumb rule is true across United States / Europe / Far East or Middle-East destinations. If you have small children with you, then prefer Holiday Inn as they are always the best bet hotel for a family stay.

Luggage : Well, I don’t need to speak much on this as now Airlines regulate the size and shape of your luggage. If you are coming to United States, then be sure, that you are not carrying over-sized or over-weight luggage, as they have become very strict. Carry a hand-bag always with basis minimum stuff to survive, in-case your baggage is delayed. Trust me, it happens quite often on all routes with all Air-lines.

Pass: You may want to carry passes / tickets etc for Amusement Parks / Eurail / Museums etc. Incase you missed it, no sweat. They are available in plenty at all locations, including your host Hotels. Why to waste your precious FOREX in India, before the start of journey. But, if you are planner and would want to see the world within your budget, then buying these expensive items (tickets / passes etc) up-front in India will be a good move as they may be available with your travel agent.

Forex: Well, all international trips are paid for in foreign Exchange. Still Indian currency (INR) is not accepted as means of purchase abroad. This is where you have to be careful in budgeting, planning and spending. Your Air tickets are paid for in INR, so no issues there. But your Hotel stay, ground transportation etc. is generally paid in Foreign Currency (Forex). Fortunately, Reserve Bank of India (RBI) has now very liberal FX rules for Resident Indians. My understanding is that now, you could carry or spend up-to USD 25,000 per calendar year (BTQ) for the international travel. Believe me, it is a good money to see any part of the world with luxury. Forex is a regulated business, hence you are advised to buy only from authorized Bank or Money Changers (FFMC) like Amex / TCOOK or Bonsai Forex. You have options now to carry Cash, Travelers Cheques (TCs), Credit Card or International Travel Card. Your Money Changer should have all the options. Thumb-rule of safe International Travel is to split your money into Cash and Currency Card. Pls don’t carry only Credit Card as no country (including the most advanced country i.e. USA) may not accept Credit Card at all locations. You may need cash to pay the cab or restaurant bills. Now, for the first time in India, you could buy your choice Forex Online from http://www.buynowforex.com/ . Call +91 22 3050305 for any personal help in buying your Forex.

Insurance: This is some thing; you should not compromise at any cost. Don’t leave home without a valid and adequate Travel Medical Insurance with you. Remember, you are going to an alien country and should you fall sick, will not only spoil your trip but could also bring huge financial burden on you or your loved ones. I am sure, you would not want that. The good news is that Travel Medical Insurance from India is very competitive. You don’t need to spend a fortune to cover your piece of mind. However, if you are travelling to United States or Japan, pls. don’t carry less than USD 100K, if you are going abroad for 30 days plus. Falling ill in America is like a curse, so you must avoid it or best hedge the risk by taking a decent Travel Medical Policy. But, here is a catch. If you happen to be 70 plus (Senior Citizens), Indian Insurance companies may not cover you abroad. Any way, if you are travelling for more than 60 days in any part of the world, I would strongly recommend you to buy International Travel Health Insurance. American Global Travel Health Plans could be a good bet. They are expensive, say by around 20%, all right, but they are now available to you Online from Bonsai America, Inc .We have carved out best insurance plans for senior citizens, so that they could enjoy international travel and long term stay without worries. Click the link - Travel Insurance for Senior Citizens. Put in your details, with address New Jersey (Bonsai America HQs) and you are all set. Compare, Buy and Print your policy Online here and now.

I guess and hope, I have covered all important aspects of your international travel. Trust the tips will come handy. So, I wish that your forth-coming vacation shall be a memorable one. Don’t forget to carry your IPod and new electronic camera as they are your best pals abroad to keep you entertained and save your memories.

Have a safe Trip. Buy Insurance.

Bon Voyage.

Manish Jaiswal

for

Bonsai InsuranceMall I Opener